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CardCurator — Rewards Intelligence
Instacart

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 this category can meaningfully boost your overall rewards return on everyday spending.

Top Pick

Best Pick
Chase Sapphire Preferred card art
Chase Ultimate Rewards

Chase Sapphire Preferred

3x
points per dollar
6.0%
effective return
$95/yr
annual fee
75,000 pts
signup bonus
spend $5,000 in 3mo

3x on Online Groceries

Apply Now More Info

More Good Options

  • Bilt Obsidian Card card art
    Bilt Rewards
    Bilt Obsidian Card
    3x
    pts/dollar
    6.0%
    return

    3x on Groceries

    More Info →
  • Capital One SavorOne Cash Rewards card art
    Capital One
    Capital One SavorOne Cash Rewards
    3x
    pts/dollar
    5.6%
    return

    3x on Grocery Stores

    More Info →
  • The Instacart Mastercard card art
    Instacart Rewards
    The Instacart Mastercard
    5x
    pts/dollar
    5.0%
    return

    5x on Instacart

    More Info →
  • Credit One Bank Platinum X5 Visa Signature card art
    Credit One Bank Cash Back
    Credit One Bank Platinum X5 Visa Signature
    5x
    pts/dollar
    5.0%
    return

    5x on Groceries

    More Info →
Compare these 3 cards side by side

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Common Questions

What is the best credit card to use at Instacart?

The Chase Sapphire Preferred is currently the top pick at Instacart, earning 3x points per dollar — an effective 6.0% return. 3x on Online Groceries

How many points do I earn at Instacart per dollar spent?

Top cards earn between 3x and 5x at Instacart. Leading options include: Chase Sapphire Preferred (3x), Bilt Obsidian Card (3x), Capital One SavorOne Cash Rewards (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 this category can meaningfully boost your overall rewards return on everyday 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