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

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.

Olena
By Olena | May 23, 2026 at 7:57 PM EST

The Bottom Line

3.9
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

18.49% - 27.99%

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

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: 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: 18.49% - 27.99% 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.

Ratings

  • Net Value & Cost Efficiency: 4.3/10
  • Rewards & Earnings Power: 9.1/10
  • Welcome Bonus Value: 8.0/10
  • First-Year Earning Boost: 0/10
  • APR & Interest Structure: 3.3/10
  • Simplicity & Transparency: 7.3/10
  • Perks, Benefits & Protections: 1.6/10
  • Issuer Credibility & Stability: 8.2/10
  • Installment & BNPL Features: 7/10
  • Eligibility & Approval Accessibility: 7.5/10

Big4Credit ratings are based on our independent analysis of each card’s features, value, fees, rewards, and benefits. Card issuers do not influence our ratings.

Terms and Conditions

  • Click Apply Now to see the terms and conditions.

EarnSmart Rewards Strategy

  • Discover it®: Earn 5% cashback on rotating quarterly categories (activation required), adding additional high-reward opportunities across groceries, gas, Amazon, and other everyday categories. 👉 Learn more about Discover it®.
  • Customized Cash Rewards: Earn 3% cashback in a category of your choice, helping expand rewards beyond Instacart purchases into areas like online shopping, gas, dining, or travel. 👉 Learn more about Customized Cash Rewards.

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