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Instacart Mastercard® review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
20.24% ‐ 28.99% (Variable)
Interest Rate: Purchases
20.24% ‐ 28.99% (Variable)
Balance Transfer
20.24% ‐ 28.99% (Variable)
Balance Transfer
20.24% ‐ 28.99% (Variable)
Rewards
1 - 5% cashback
Rewards
1 - 5% cashback
Signup Bonus
-
Signup Bonus
-


8/10
Informr score
The Instacart Mastercard® currently has an Informr score of 8 out of 10. This score is based on our evaluation of 9 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...


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
The Points Guy
The Points Guy

The Instacart Mastercard has a quality array of benefits for Instacart fans and those who want a card without an annual fee. Its earning categories extend beyond grocery delivery but may not sway those who aren't already loyal to the brand.

- Ryan Smith, The Points Guy
FinanceBuzz
FinanceBuzz

The new Instacart Mastercard is aimed at people who use Instacart. If you often get your groceries in store or via other means, there are better rewards credit cards available. The Instacart credit card has a $0 annual fee and offers an excellent 5% cashback rate on the Instacart app and Instacart.c...

- Ben Walker, FinanceBuzz
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
Money Crashers
Money Crashers

The Instacart Mastercard is an ideal companion for anyone who prefers ordering groceries for delivery to shopping for themselves at the store. Its 5% cash-back haul on eligible Instacart purchases certainly makes it worth your while, as does the complimentary Instacart+ membership during the first y...

- Brian Martucci, Money Crashers

Details


Interest Rates
Regular APR Interest Rate 20.24% ‐ 28.99% (Variable)

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

Balance Transfer Interest Rate 20.24% ‐ 28.99% (Variable)

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

Cash Advance Interest Rate 29.99% (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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