The Instacart Mastercard
Issued by Chase
Reviewed by the CardCurator Editorial Team
Earning Categories
Current Welcome Bonus
Get a $50 Instacart credit automatically upon approval
Year 1 net value: +$50 (bonus − annual fee)
Maximize Your Instacart Rewards Points
Expert tips to get the most value from this program
Program Overview
Instacart Rewards is the cashback program for the Instacart Mastercard® issued by Chase. Cardholders earn 5% cash back on qualifying Instacart purchases (up to $6,000/year, then 1%), 5% on Chase Travel, 2% at restaurants, gas stations, and select streaming services, and 1% everywhere else. Cash back can be redeemed as a statement credit, direct deposit, Chase travel booking, or used to pay for orders in the Instacart app. Best for: frequent Instacart shoppers who want to maximize cash back on grocery delivery.
Earning Tips
Instacart Mastercard® earn rates: - 5% on Instacart purchases (first $6,000/year, then 1%) - 5% on Chase Travel - 2% at restaurants - 2% at gas stations - 2% on select streaming services - 1% everywhere else Tips: - The $6,000 annual cap on 5% Instacart earnings resets each calendar year - Chase Travel bookings earn 5% — book flights and hotels through the Chase portal to maximize - Restaurant orders on Instacart powered by Uber Eats may not qualify for the 5% Instacart rate
Redemption Tips
Cashback redemption options (1 cent/point equivalent): - Statement credit: redeem anytime - Direct deposit to checking/savings - Chase travel bookings - Pay with Points in the Instacart app All redemption options provide equal 1 cent per point value. No optimization needed.
Card Details
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Frequently Asked Questions
- What is the annual fee for the The Instacart Mastercard?
- The The Instacart Mastercard has no annual fee.
- What is the best category to use the The Instacart Mastercard for?
- The The Instacart Mastercard earns 5x on Instacart, making it the strongest earning category for this card.
- What is the The Instacart Mastercard welcome bonus in 2026?
- The The Instacart Mastercard currently offers a welcome bonus of $50 statement credit.
- Does the The Instacart Mastercard charge foreign transaction fees?
- No, the The Instacart Mastercard does not charge foreign transaction fees, making it a good choice for international purchases.
- How much are Instacart Rewards points worth?
- Instacart Rewards points are worth approximately 1.00¢ per point on average, with premium redemptions reaching up to 1.00¢ per point. Values based on industry estimates including The Points Guy and NerdWallet.
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