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Instacart Mastercard® review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
16.49% ‐ 25.24% (Variable)
Interest Rate: Purchases
16.49% ‐ 25.24% (Variable)
Balance Transfer
16.49% ‐ 25.24% (Variable)
Balance Transfer
16.49% ‐ 25.24% (Variable)
Rewards
1 - 5% cashback
Rewards
1 - 5% cashback
Signup Bonus
-
Signup Bonus
-


8.1/10
Informr score
The Instacart Mastercard® currently has an Informr score of 8.1 out of 10. This score is based on our evaluation of 6 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Instacart Mastercard® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


SlickDeals
SlickDeals

If you’re an Instacart aficionado, the Instacart Mastercard can be a solid addition to your wallet that will earn 5% cash back on every purchase as well as additional rewards on a slew of other household expenses, all without an annual fee. However, people who rarely use Instacart may find more earn...

- Katherine Fan, SlickDeals
ValuePenguin
ValuePenguin

Frequent Instacart users looking to earn lucrative cashback rewards should definitely consider getting the Instacart Mastercard®. It comes with impressive Instacart benefits as well as excellent rewards in everyday spending categories. This card doesn't charge an annual fee and includes a host of us...

- Sophia Mendel, ValuePenguin
CreditCards.com
CreditCards.com

If you’re already an avid Instacart user, this card could be hugely rewarding thanks to its impressive rewards rate, broad category coverage and generous first-year bonus. If you only use the service occasionally, though, you may be better off with a general grocery rewards card.

- India Davis, CreditCards.com
Business Insider
Business Insider

If you already spend big on Instacart, and you're looking to earn rewards on spending categories like groceries, gas, restaurants, and select streaming services, the Instacart Mastercard® will be a worthy addition to your wallet. It has unlimited cash-back opportunities, no annual fee, and a decent...

- Tessa Campbell, Business Insider
Bankrate
Bankrate

This card could be a great choice for fans of grocery delivery who value convenience. But price markups and additional service fees could take a large chunk out of your rewards earnings.

- Brendan Dyer, Bankrate

Details


Interest Rates
Regular APR Interest Rate 16.49% ‐ 25.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 16.49% ‐ 25.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 26.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00

Maximum

Promotions
Sign up bonus

Get a free year of Instacart and a $100 Instacart credit

Rewards
All Purchases 1% cash back
Restaurants 2% cash back
Gas 2% cash back
Groceries No
Hotels 5% cash back

Purchased over the phone through the Chase Travel Center

Travel 5% cash back

Purchased over the phone through the Chase Travel Center

Pharmacy No
Bills No
Additional Details
  • 2% cash back on select streaming service
  • 5% cash back on Instacart.com and Instacart app purchases
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Baggage Delay Insurance
  • Lost Luggage Reimbursement
  • Roadside Assistance
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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