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Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

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The Instacart Mastercard® by Chase Credit Card Review

The Instacart Mastercard earns you cash back on everyday purchases and more.

The Instacart Mastercard® by Chase Credit Card Review

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The Instacart Mastercard earns you cash back on everyday purchases and more.

Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.


Welcome to our comprehensive review of the Instacart Mastercard® by Chase, where we delve into the nitty-gritty of what this card has to offer. Whether you’re a frequent Instacart user or exploring credit card options that reflect your shopping habits, this review will shed light on the key benefits and potential drawbacks of this card.

With the ever-growing demand for convenience in grocery shopping and food delivery, the Instacart Mastercard® presents an interesting proposition for those looking to maximize rewards on their spending. In this review, we’ll discuss the various features of the card—ranging from the welcome bonus to earning and redeeming rewards, as well as the extra perks that accompany it.

Our aim is to provide you with information grounded in user experiences and genuine consumer needs, as emphasized by the Google Quality Rater Guidelines and the Google Helpful Content Algorithm Update. So, let’s dive in and discover whether the Instacart Mastercard® could be the one for you.

Welcome Bonus

For many potential cardholders, the allure of a credit card often begins with the welcome bonus. The Instacart Mastercard® by Chase sets the stage with an enticing offer that caters to the needs of grocery delivery enthusiasts and frequent online shoppers. Let’s explore the welcome bonus in detail:

  • $100 Instacart Credit: New cardholders receive a welcoming $100 credit towards Instacart orders. This immediate benefit helps offset future grocery costs and serves as a robust incentive for Instacart regulars.
  • Complimentary Instacart+ Membership: In addition to the $100 credit, the card provides a complimentary year of Instacart+, which is valued at approximately $99. Instacart+ offers free delivery on orders over a specified amount and reduced service fees, which enhances the card’s value proposition for users who frequently utilize Instacart’s services.
  • 5% Cashback: This welcome bonus pairs nicely with the card’s cashback benefits, which offer a generous 5% return on both Instacart purchases and travel booked through the Chase Travel Center.

The welcome bonus is particularly appealing as it does not come with a minimum spend requirement, which is a common condition associated with many credit card bonuses. This user-friendly approach ensures that cardholders can enjoy these perks right off the bat, without the pressure to meet a spending threshold.

For those who find themselves regularly browsing Instacart for their grocery and home essentials, this welcome bonus could result in substantial savings and enhanced convenience from the get-go. Furthermore, the lack of an annual fee further amplifies the initial value of this card, allowing users to benefit more from the rewards without worrying about recurring costs.

As with any credit card, it’s important for consumers to read the fine print and understand the terms concerning the bonus. Eligibility, credit approval, and potential changes to the program are all factors that should be considered to fully evaluate the welcome offer’s true value.

Earning Rewards

When it comes to maximizing the benefits of any rewards card, understanding how to effectively accumulate points is key. With the Instacart Mastercard® by Chase, earning rewards is both lucrative and straightforward. Here are the main avenues through which cardholders can earn those valuable cash-back points:

  • 5% Cash Back on Instacart and Chase Travel: By using the Instacart Mastercard® for Instacart app and purchases, cardholders earn an impressive 5% cash back. This high return extends to travel expenses booked through the Chase Travel Center, including flights, hotels, car rentals, and cruises. For those who love to travel or shop for groceries from the comfort of their home, this reward rate is highly appealing.
  • 2% Cash Back on Restaurants and Gas Stations: Beyond Instacart and travel, the card also offers a solid 2% cash back on restaurant dining, including takeout and eligible delivery services, as well as at gas stations. This broad category ensures that cardholders can reap rewards from everyday expenditures.
  • 1% Cash Back on Other Purchases: For all other purchases, the Instacart Mastercard® provides a standard 1% cash back, ensuring that no spend goes unrewarded.

One of the biggest draws of the card’s rewards structure is its simplicity. There are no rotating categories to track or enroll in; instead, cardholders have the certainty of consistent reward rates throughout the year. Moreover, there is no cap on the amount of cash back you can earn, and the rewards do not expire as long as the account is open and in good standing.

Additionally, redeeming the cashback is just as user-friendly. Cardholders can use their rewards to pay for all or part of their purchases in the Instacart app or on with no minimum redemption threshold. This means that you can immediately start offsetting your grocery costs with the rewards you earn from your purchases.

For potential cardholders, this earning potential adds a layer of value to the card, particularly for those who frequently use the services aligned with the higher earning categories. It’s clear that the Instacart Mastercard® is structured to benefit regular Instacart users and those with significant dining and travel expenses, positioning it as a potent tool for savvy spenders looking to get more from their credit card usage.

Redeeming Rewards

The true value of any rewards card lies not only in how you can earn points but also in the flexibility and value of the options available for redemption. The Instacart Mastercard® by Chase offers an uncomplicated and rewarding experience when it comes to using the cash-back points you’ve accumulated. Here’s how cardholders can redeem their rewards:

  • Instant Redemption on Instacart: You can use cashback points to pay for all or part of your purchases directly in the Instacart app or on This translates to immediate savings on online grocery orders, with no minimum balance required for redemption.
  • Travel Through Chase: Points earned with the Instacart Mastercard® can be redeemed for travel expenses booked through the Chase Travel Center. This includes flights, hotels, rental cars, and more, making it a solid option for those with wanderlust.
  • Gift Cards and Experiences: Another exciting way to redeem your rewards is through gift cards and unique experiences. Chase often has partnerships providing cardholders with a plethora of options to use their points.
  • Statement Credits: You also have the option to apply your cash back points as a statement credit, offsetting your credit card bill and effectively lowering your out-of-pocket expenses.
  • Cash Back: The rewards can also be redeemed for cash back in the form of an account deposit, giving you full control over how you use your earned cash.

One of the standout features of the Instacart Mastercard®’s redemption process is the absence of reward redemption thresholds, which means you can redeem any amount of cash back at any time. This level of flexibility ensures cardholders can take advantage of their rewards as they see fit without any unnecessary restrictions or delays.

The redemption options are designed to cater to the diverse needs and preferences of cardholders, whether they prefer to see immediate discounts on purchases, plan for future travels, or have a little extra cash in their account. The straightforward redemption process adds to the card’s allure, making it an excellent choice for those who value simplicity and direct benefits from their card usage.

The Instacart Mastercard® by Chase’s rewarding redemption options demonstrate the card’s alignment with consumer experiences, an important aspect according to the latest guidelines on the creation of helpful content. The card’s redemption flexibility, paired with the generous earning rates, make it an attractive choice for savvy consumers looking to maximize their credit card benefits.

Perks and Benefits

In the highly competitive world of credit cards, the perks and benefits often serve as the deciding factor for consumers on the lookout for a new card. The Instacart Mastercard® by Chase, beyond its generous rewards program, also offers an impressive suite of additional advantages. Let’s examine these perks in more detail:

  • No Annual Fee: The card is highly accessible due to its lack of an annual fee, making it a cost-effective option for the budget-conscious shopper.
  • Instacart+ Membership: Cardholders benefit from a complementary Instacart+ membership for the first year, which includes unlimited $0 delivery fees on orders over $35, reduced service fees, and more.
  • World Elite Mastercard® Benefits: As a World Elite Mastercard®, the Instacart card comes with perks such as cell phone protection, access to the Mastercard Luxury Hotel & Resorts Portfolio, and savings on rideshares, amongst other premium services.
  • Chase Offers: Cardholders can take advantage of Chase Offers, which are targeted deals that provide statement credits after making a purchase at selected retailers.
  • Travel and Purchase Protections: The card offers travel accident insurance, baggage delay insurance, trip cancellation/interruption insurance, and auto rental collision damage waiver. Purchase protections include extended warranty and purchase protection policies.
  • Exclusive Access and Events: World Elite Mastercard® also gives cardholders access to exclusive events and experiences, from dining series with renowned chefs to sporting events and more.

These additional benefits amplify the card’s appeal by providing convenience, opportunities for savings, and extra layers of protection. Particularly for Instacart users, the free Instacart+ subscription in the first year can result in substantial savings on delivery fees and service charges.

The combination of these perks with the no-annual-fee feature creates a compelling offer that could be suitable for a wide range of consumer profiles, particularly those who are looking to maximize benefits while minimizing costs.

With a focus on delivering a product that resonates with consumer needs and provides genuine advantages, the Instacart Mastercard® by Chase stands out as a card worth considering, especially for regular users of Instacart services and those who seek an all-in-one card for groceries, travel, and everyday usage.

Pros and Cons

Every credit card comes with its set of advantages and limitations, and the Instacart Mastercard® by Chase is no exception. Let’s take a closer look at the pros and cons to help potential applicants weigh their decision:


  • High Rewards on Instacart Purchases: Earn an impressive 5% cash back on all Instacart app and purchases.
  • Significant Travel Rewards: Cardholders also enjoy 5% cash back on travel booked through Chase Travel.
  • Welcome Bonus: A lucrative $100 Instacart credit plus a complimentary year of Instacart+ membership without a minimum spending requirement.
  • Additional Cash Back Categories: Earn 2% cash back at restaurants and gas stations, and 1% on all other purchases.
  • No Annual Fee: Pocket the savings without worrying about an annual fee cutting into your rewards.
  • Flexible Redemption Options: Rewards can be redeemed for Instacart purchases, travel, statement credits, or cash back with no minimum redemption threshold.
  • World Elite Mastercard® Benefits: Access to premium travel benefits, protections, and experiences as part of the World Elite Mastercard® program.


  • No Intro APR Offer: The card doesn’t come with an introductory APR offer for purchases or balance transfers, which some competitors do offer.
  • Niche Focus: While it excels with Instacart and travel rewards, spenders who don’t use these services won’t reap the full benefits.
  • Limited Transferability: Rewards points can’t be transferred to other loyalty programs, limiting their flexibility compared to some travel rewards cards.
  • Service Fees: Instacart orders come with a service fee that may reduce the net cash back earned through the card.

The Instacart Mastercard® is a great match for Instacart enthusiasts and those who book travel through Chase, providing a combination of high rewards rates, flexible redemption, and solid benefits. However, for those who don’t frequently use Instacart or travel, there may be other cards better suited to their spending habits.

It’s essential to assess your typical spending and rewards redemption patterns before deciding if this is the right card for you. For the targeted consumer, the Instacart Mastercard® by Chase could offer unmatched value, but for others, a more generalized cash back or travel card might be a better fit.

Comparison to Other Cards

When considering a new credit card, it’s essential to compare it with other available options to ensure you’re getting the best possible fit for your spending habits and rewards preferences. Let’s compare the Instacart Mastercard® by Chase with other rewards cards in the market:

Rewards Rates: Perhaps the most significant advantage of the Instacart Mastercard® is the unmatched 5% cash back on Instacart and Chase Travel purchases. Other cards may offer higher reward rates in different categories, but for Instacart groceries and travel, this card leads the pack.

Signup Bonuses: The Instacart Mastercard® offers a competitive welcome bonus with the $100 Instacart credit and free Instacart+ membership, without the need for a minimum spend. Cards like the Chase Freedom Unlimited® or the Capital One Savor Cash Rewards Credit Card may offer cash bonuses after meeting spending requirements, making the Instacart Mastercard® a standout for those who want immediate, accessible benefits.

Annual Fees: The absence of an annual fee with the Instacart Mastercard® is a significant perk compared to reward cards with similar benefit structures that may charge annual fees, like the Blue Cash Preferred® Card from American Express.

Benefits Beyond Rewards: In terms of additional benefits, the Instacart Mastercard® offers a suite of World Elite Mastercard® perks not always found in other cards, such as extended warranty protection or travel insurance.

Redemption Flexibility: Redemption options for the Instacart Mastercard® are easy and flexible, especially with no minimum balance required to use your cash back in the Instacart app. This contrasts with some other cards that require a certain threshold to be reached before rewards can be redeemed.

Foreign Transaction Fees: The Instacart Mastercard® does not charge foreign transaction fees, which is similar to most other reward cards. This makes it a good option for international travelers.

It’s clear that for Instacart users and individuals who handle travel bookings via Chase, the Instacart Mastercard® is quite potent. However, for those who spend more in other categories, cards like the Chase Freedom Flex℠ or the Citi® Double Cash Card may be more rewarding.

It’s also worth noting that the Instacart Mastercard® does not allow for rewards points transfers to other loyalty programs, which some other travel rewards cards do offer – a consideration for those who prefer to consolidate points for larger redemptions.

In summary, the Instacart Mastercard® by Chase offers exceptional value for Instacart shoppers and travelers who book through Chase. Its benefits, coupled with no annual fee, make it a compelling option in its niche. However, for those who diversify their spending across many categories, other cards may be more advantageous.


In summing up our in-depth review of the Instacart Mastercard® by Chase, we’ve seen that it stands out as a specialized tool for those who frequently make use of Instacart’s services, love to travel, and want to gain substantial rewards on their spending. With a generous 5% cash back on Instacart purchases and travel booked through the Chase Travel Center, the card certainly offers strong incentives in these key areas.

Adding to its appeal is a suite of additional perks from being a World Elite Mastercard®, plus a welcome bonus that provides tangible value right from the start. Its no-annual-fee structure and flexible redemption options give it considerable allure for potential cardholders who are looking for hassle-free rewards on their regular spending habits.

While the card may have its limitations, such as no intro APR period and a focus on Instacart and travel for the best rewards rates, it stands as a practical choice for those whose lifestyle aligns with these spending categories.

For the right user, mainly someone who will take full advantage of the Instacart and travel benefits, the Instacart Mastercard® by Chase is a robust credit card that’s certainly worth considering. However, for those who don’t frequent Instacart or prioritize other spending categories, it might be beneficial to explore other credit card options that suit their personal consumption patterns better.

Frequently Asked Questions

What benefits do cash-back credit cards typically offer? Cash-back credit cards generally offer a percentage of spending back to the cardholder. This can be for specific categories like groceries or gas, or for all purchases. Additional benefits may include signup bonuses, no annual fee, and flexible redemption options.

Can travel insurance included with credit cards be sufficient for international trips? Travel insurance provided with credit cards can be sufficient for international trips, but it depends on the coverage level. It’s crucial to read the terms to understand what is covered, including trip cancellation, medical expenses, and lost luggage.

How does a 0% introductory APR offer work on a credit card? A 0% introductory APR offer means that for a specified period after opening your credit card, you will not be charged any interest on purchases or balance transfers. Once the intro period ends, the standard APR will apply to any remaining balance.

Is it better to redeem cash-back rewards for statement credit or direct cash? Whether it’s better to redeem cash back for a statement credit or direct cash depends on personal preference. Statement credits can lower your balance owed, while direct cash provides flexibility to spend or save as you see fit.

Do cash-back rewards from credit cards expire? Cash-back rewards from credit cards may expire depending on the card issuer’s policy. Some rewards expire after a certain period of inactivity, while others may not expire as long as the account is open and in good standing. It’s important to check your credit card’s terms for specific details.

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