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Chase

Instacart Mastercard

Instacart Mastercard card art

Estimated value every year on typical spending

$384/ year

Every year, after the annual fee. Year one adds a $50 welcome bonus: $434

+$384rewards−$0annual fee

Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.

Carry a balance? At 20%+ APR, interest usually costs more than any card earns.

Find the best card for your spending Try it on your spendingCompare with another cardVisit Chase

Is it worth it?

With no annual fee, the Chase Instacart Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $384 a year on typical spending. The welcome bonus adds roughly $50 in the first year.

The fine print

Intro APR
Not applicable
Regular APR
18.49% to 27.99% variable
Foreign fee
None
Rewards paid as
Cash back
Approval
Good credit recommended
Redeem for
Statement credit · Direct deposit · Gift cards

Rewards

  • 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually
  • 5% cash back on Chase Travel purchases
  • 2% cash back at restaurants and gas stations

Sign-up bonus

$50 Instacart credit automatically upon approval

Best for

  • Keeping costs at $0

Not ideal for

  • Frequent international travelers

Trade-offs: No annual fee ↔ lower category bonuses.

Worth knowing

Annual fee
$0
Intro APR
Not applicable
Regular APR
18.49% to 27.99% variable
Balance transfer fee
None
  • $400/mo on dining earns about $96/year (2%).
  • $1200/mo on everyday spending earns about $144/year (1%).

Offer history

No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.

All recent card changes

Instacart Mastercard: questions people ask

Is the Chase Instacart Mastercard worth it?

With no annual fee, the Chase Instacart Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $384 a year on typical spending. The welcome bonus adds roughly $50 in the first year.

What is the Chase Instacart Mastercard annual fee?

The Chase Instacart Mastercard has no annual fee ($0).

What is the Chase Instacart Mastercard welcome bonus?

$50 Instacart credit automatically upon approval. We value it at about $50. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.

What does the Chase Instacart Mastercard earn?

5% cash back on qualifying Instacart purchases on your first $6,000 spent annually. 5% cash back on Chase Travel purchases. 2% cash back at restaurants and gas stations.

What credit score do you need for the Chase Instacart Mastercard?

The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.

Does the Chase Instacart Mastercard charge foreign transaction fees?

No. The Chase Instacart Mastercard has no foreign transaction fee.

Similar cards

Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Chase product page. Terms change often; confirm them with the issuer before you apply.