The Blue Cash Preferred Card from American Express is the best card for Instacart — it earns 6x (12.0% return) and 6x on U.S. Supermarkets.
No annual fee: the Capital One SavorOne Cash Rewards earns 3x at Instacart with no annual fee (5.6% return).
Updated July 2026
Best Credit Card for Instacart
Compare the top credit cards to maximize your rewards every time you shop at Instacart.
Choosing the right card for Instacart can meaningfully boost your overall rewards return. The difference between a 1x flat card and the best card for this category can add up to hundreds of dollars in extra rewards per year on regular spending.
How CardCurator ranks this merchant
These rankings use current earn rates, annual fee drag, reward value, and merchant-category fit. They are based on live card data, not a fixed sponsored list.
Top Pick
Blue Cash Preferred Card from American Express
6x on U.S. Supermarkets
Note: This card has a $6,000 annual spending cap for U.S. Supermarkets. Earnings above this amount will be at the base rate.
More Good Options
Chase Ultimate RewardsChase Sapphire Preferred3xpts/dollar6.0%return3x on Online Groceries
More Info →
Capital OneCapital One SavorOne Cash Rewards3xpts/dollar5.6%return3x on Grocery Stores
More Info →
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Quick summary
A short version of the recommendation with the main numbers and tradeoffs.
At Instacart, Blue Cash Preferred Card from American Express is currently our top overall pick at 6x, which works out to about 12.0% back based on CardCurator's current point valuations. 6x on U.S. Supermarkets. If you want a no-annual-fee option, Capital One SavorOne Cash Rewards earns 3x there (5.6% effective return). On $500/month of spend, the top card is worth about $720/year before signup bonuses or statement credits. Summary generated July 9, 2026. Source: https://cardcurator.ai/merchant/instacart
- Blue Cash Preferred Card from American Express: 6x and 12.0% effective return.
- At $500/month, that's about $720/year in rewards value before bonuses.
- Capital One SavorOne Cash Rewards is the best no-annual-fee fallback at 3x, worth about $333/year at the same spend.
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card to use at Instacart?
The Blue Cash Preferred Card from American Express is currently the top pick at Instacart, earning 6x points per dollar — an effective 12.0% return. 6x on U.S. Supermarkets
How many points do I earn at Instacart per dollar spent?
Top cards earn between 3x and 6x at Instacart. Leading options include: Blue Cash Preferred Card from American Express (6x), Chase Sapphire Preferred (3x), Bilt Obsidian Card (3x).
Does Instacart count as instacart for credit card rewards?
Instacart typically falls under the Instacart category for credit card reward purposes. Cards with a instacart spending bonus will earn an elevated rate here. Choosing the right card for Instacart can meaningfully boost your overall rewards return. The difference between a 1x flat card and the best card for this category can add up to hundreds of dollars in extra rewards per year on regular spending.
Is there a no-annual-fee card that earns well at Instacart?
Yes — the Capital One SavorOne Cash Rewards has no annual fee and earns 3x at Instacart (5.6% effective return). 3x on Grocery Stores
Which card earns the most if I spend $500 per month at Instacart?
Blue Cash Preferred Card from American Express: $720/yr, Chase Sapphire Preferred: $360/yr, Bilt Obsidian Card: $360/yr. The Blue Cash Preferred Card from American Express earns the most at $500/month.
Need a situation-specific recommendation?
Merchant rankings are a good starting point, but the best card can change if you care more about international use, business spending, or lower-friction approval.