Credit Cards

Instacart Mastercard® Review: Shop, Earn, Save!

Access the best deals and rewards while shopping with Instacart. Our Instacart Mastercard® review has got you covered! Pay $0 annual fee!


Cashback guarantee on all your purchases!

Instacart Mastercard®
Instacart Mastercard® Review: Shop, Earn, Save! Source: Chase

Boost your shopping experience with up to 5% cash back with the Instacart Mastercard® – the card under our review.

Instacart Mastercard®

Apply for Instacart Mastercard® today

Apply for the Instacart Mastercard® quickly with our guide. Elevate your grocery shopping experience and enjoy exclusive rewards. Read on!

What’s more in it for you? Learn how it works, its fees, and cash back redemption options on travel, groceries, and more. Keep reading!

  • Credit Score: Good – Excellent;
  • Annual Fee: None;
  • Purchase APR: 20.24%–28.99% (variable);
  • Cash Advance APR: 29.99% (variable);
  • Welcome Bonus: Get a free year of Instacart + (Instacart membership) and $100 free Instacart credit (upon approval);
  • Rewards: 5% cash back on and the Instantcart app, 5% cash back on travels purchased over the phone with Chase Travel Center, 2% cash back at restaurants, gas stations, and eligible streaming services, plus 1% on everything else;
  • Terms apply.

Instacart Mastercard®: how does it work?

Instacart is a popular grocery delivery and pick-up service to shop for essentials without leaving the comfort of your home.

With its credit card, the Instacart Mastercard®, it’s possible to combine convenience with up to 5% cashback on grocery shopping needs.

Rewards: Shop, Dine, Travel, and More

Let’s break down the rewards categories to give you a better understanding of what this card has to offer:

Shop through or the Instacart app and enjoy a generous  5% cash back. It’s also valid for booking your travels over the phone through the Chase Travel Center.

Enjoy 2% cash back when dining out, refueling at gas stations, or subscribing to eligible streaming services.

For all other purchases, you’ll still earn 1% cash back. Also, it has no caps on rewards, so your earnings potential is limitless. Terms apply!

Cash Back Redemption

Redeeming your cashback is easy. You can opt for direct deposit into your bank account or apply it as a statement credit to reduce your card balance.

In addition,  for those who love to travel, the Instacart Mastercard® allows you to use your points to book flights, hotels, car rentals, and cruises.

Additional Benefits

The Instacart Mastercard® offers other rewards and benefits such as:

  • Rental car;
  • Purchase and baggage protection;
  • Roadside assistance;
  • Travel and emergency services.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Instacart Mastercard®: should you get one?

Instacart Mastercard®
Cashback guarantee on all your purchases! Source: Chase

The Instacart Mastercard® is good for those who want to earn cashback rewards on frequent online grocery purchases.

Review the drawbacks and advantages of the Instacart Mastercard®  to decide if it’s the best card for your financial needs.


  • No annual fee;
  • Up to 5% cash back (terms apply);
  • No rewards caps;
  • Valuable travel perks;
  • Amazing welcome bonus.


  • High APR;
  • Monthly fee.

Credit score required

Indeed, since this credit card offers amazing benefits to the cardholder, it will require a higher credit rate!

Therefore, you’ll need a good to excellent credit score to apply and enjoy its amazing benefits!

Instacart Mastercard® application: how to do it?

Furthermore, make your purchases easier and more affordable with an Instacart Mastercard®. Then keep reading to learn how to do it.

Instacart Mastercard®

Apply for Instacart Mastercard® today

Apply for the Instacart Mastercard® quickly with our guide. Elevate your grocery shopping experience and enjoy exclusive rewards. Read on!

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

About the author  /  Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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