Instacart Mastercard®: Earn 5% Cashback on Grocery Delivery and Household Essentials

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By Olena | Feb 3, 2026 at 7:11 PM EST

The Bottom Line

3.5
BIG4CREDIT RANKING Our 5-star rating is based on Big4credit’s independent, data-driven scoring system. Each card is evaluated across multiple weighted categories – including rewards, fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections. Ratings are determined solely by our research and analysis and are never influenced by card issuers or advertisers. Read about our ranking system in the Credit Card Ranking & Methodology section.
Instacart Mastercard® is a strong pick for frequent Instacart users who want to earn elevated cashback on grocery delivery and everyday food spending. It offers 5% cashback on Instacart purchases, making it especially valuable for saving on groceries and household essentials. You'll also earn 5% cashback on Chase Travel purchases, 2% on restaurants, gas, and select streaming services, plus receive an instant $50 Instacart credit upon approval, with no annual or foreign transaction fees. While rewards are less compelling outside Instacart spending, it’s an excellent choice for people who rely on grocery delivery and want their food purchases to earn maximum value with minimal effort.
Instacart Mastercard®
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Instacart Mastercard®
Annual fee:   $0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

18.24% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on Instacart purchases on up to $6,000 per year. Additionally, earn 5% cashback on Chase Travel purchases, 2% at restaurants, gas stations, and on select streaming services, plus 1% on all other purchases.

1% - 5% Cashback

Welcome Offer Get a $50 Instacart credit automatically upon approval.

$50 Instacart Credit

Earn 5% cashback on Instacart purchases on up to $6,000 per year – worth up to ~$300 annually in rewards on grocery delivery and household essentials.

Welcome Offer

  • Earn a $50 Instacart credit automatically upon approval.

Rewards

  • 5% Cashback on Instacart Purchases on up to $6,000 per year.
  • 5% Cashback on Chase Travel.
  • 2% Cashback Categories:
    • Restaurants, including Instacart orders powered by Uber Eats.
    • Gas Stations.
    • Select Streaming Services.
  • 1% Cashback on all other purchases.

Redemption Options

  • Flexible Redemption Options: Redeem cashback as a statement credit or direct deposit with no minimums, or use it for travel and Instacart orders.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 18.24% - 27.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Buy Now, Pay Later Options

  • Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Build Your Chase Cashback Setup

  • Chase Freedom Unlimited®: Earn 3% cashback on dining and drugstore purchases, plus unlimited 1.5% cashback on all other purchases with no category caps. Pairs well with Instacart Mastercard®, which earns 5% cashback on Instacart purchases (up to $6,000 per year) and elevated rewards on select everyday categories, while Freedom Unlimited® serves as the everyday fallback. 👉 Learn more about Chase Freedom Unlimited®.

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