Instacart Rewards MastercardThe Instacart Mastercard
Issued by Chase
Reviewed by the CardCurator Editorial Team
Decision check
Is The Instacart Mastercard worth applying for?
you can make 5x on Instacart part of your regular spending.
you are looking for premium perks, lounge access, or more transfer-partner upside.
Application links open the issuer or partner application in a new tab. Confirm current terms and approval rules before submitting.
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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See how the The Instacart Mastercard stacks up against other cards side by side — fees, bonuses, earn rates, and more.
Approval Insights
Recent community application data for this card. Issuers make the final decision, but this gives you a public read on how similar applicants have been doing lately.
How to use this
- Use the approval summary as a signal, not a guarantee.
- Combine it with issuer rules like 5/24, Amex lifetime language, and velocity limits.
- Open the full approval page to see recent datapoints, profile bands, and notes.
Most card pages stop at a generic credit-score range. CardCurator layers real community submissions on top of card detail, rewards value, and application strategy.
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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