Written Best for
- Cash Back Seekers
- Everyday Spending
- Online Shopping
- Foreign Travel
Considerations
- Annual Fee
- Foreign Transaction Fee
- Sign-Up Bonus
- Intro APR, Introductory Bonus
Pros
- No annual card fee
- Free year of Instacart+ membership
- $100 Instacart credit initial bonus
- No foreign fee
- Redeem cash back for any amount
- Direct deposit or a statement credit
Cons
- Instacart is not available in all areas.
- You earn only 1% cash back on grocery purchases not made through Instacart.
- Doesn’t offer a 0% introductory APR period
- 50+ Credit Cards Ranked
- 2000 Data Points Collected
- 10 Levels of Rank Checking
- 25+ Categories Considered
At MyCreditCardLab, we value your trust above all else. We earn it with careful, fair analysis. We are fully transparent. We stick to strict editorial standards and independence. Your confidence in our content is our top priority.
See our full methodologyIn This Review
Review: Instacart Mastercard® Card
Get in-depth credit card reviews covering features, benefits, fees, and rewards. Make informed decisions and find the perfect card for your financial goals.
For more information see our credit card score explanation here.At Lootrs, we put each card to the score.
We score Instacart Mastercard® Card 10 different factors that impact the benefits and rewards of the cards. scoring categories include:
| Credit Cards Review | Rating |
|---|---|
| Intro APR | Fair |
| Regular APR | Good |
| Annual Fee | Exceptional |
| Welcome Bonus | Very Good |
| Rewards | Very Good |
| Benefits | Very Good |
| Recommended Credit Score | Excellent |
| Foreign Transaction Fee | Exceptional |
| Cash Advance Fee | Very Good |
| Balance Transfer Fee | Good |
Who can apply for Instacart Mastercard® Card?
We have categorized Instacart Mastercard® Card 4 main useful user criteria. it's applied using the Lootrs methodology.
How is Instacart Mastercard® Card Different?
The Instacart Mastercard® credit card offers unique rewards. You get 5% cash back on Instacart purchases and 2% cash back on gas stations and transit. It’s tailored for Instacart users. It gives big savings on groceries and household essentials. This makes it a great choice for frequent shoppers.
Instacart Mastercard® Card Annual Fee
Card type: No Annual Fee Credit Cards
Issuer Name: Chase
No annual fee
The lack of an annual fee with the card is another plus. And, although balance transfer cards rarely – if ever – charge an annual fee, seeing "$0" is always a welcome sign.
Welcome Bonus
One year free Instacart+ for new cardholders and a $100 Instacart credit. Membership auto-renews.
Travel protections, including lost luggage reimbursement and baggage delay insurance.
Auto rental collision damage waiver and roadside assistance service.
APRs: Instacart Mastercard® Card
Explore credit card APRs to understand borrowing costs. Learn how APRs vary for purchases, balance transfers, and cash advances. This is crucial for informed financial choices.
The table below shows the types of each APR brief description for the Instacart Mastercard® Card.
| Type of APR | Rating |
|---|---|
| Intro APR - No intro offer | 6/10Fair |
| Regular APR - 20.24% - 28.99% Variable APR | 7.6/10Good |
| Purchase - 20.24% - 28.99% Variable APR | 8.8/10Very Good |
| Balance transfer - 20.24% - 28.99% Variable APR | 7.8/10Good |
| Cash advance - Either $10 or 5% of the amount of each transaction, whichever is greater. | 9.3/10Very Good |
| Penalty - up to 29.99% | 8.5/10Very Good |
Instacart Mastercard® Card Benefits
Certainly! Here's a table. It shows the benefits of the Instacart Mastercard® credit card:
| Benefits | Score |
|---|---|
| Instacart It works on Instacart.com and the Instacart app. It applies to purchases on over 750 retailers. They deliver from more than 70,000 stores across 5,500 cities. |
9.6/10Excellent |
| No foreign transaction fees You will pay no foreign transaction fees. This is when you use your card for purchases made outside the United States. |
10/10Exceptional |
| Contactless Tap To Pay For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol. For more knowledge, please see www.chase.com/contactless |
8.6/10Very Good |
| Instacart+ benefits Enjoy free delivery on all purchases over $35. 5% credit back on pickup |
8.4/10Good |
| Pay with Points Use your cash back rewards to pay for all or part of your purchase in the Instacart app or on instacart.com. |
9.2/10Very Good |
| World Elite Mastercard benefits These include access to Mastercard Priceless® Experiences and special offers from brands. You also get a free 24/7 concierge service. |
8.5/10Very Good |
Instacart Mastercard® Card Rewards
Instacart Mastercard® Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
- Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
- Earn 5% cash back on Instacart app and Instacart.com purchases
- Get 5% cash back on travel bought through the Chase Travel Center. This includes flights, hotels, and more.
- Earn 2% cash back at restaurants, gas stations and on select streaming services
- Earn 1% cash back on all other purchases
You earn 5% cash back on Instacart app and Instacart.com purchases. You also earn 5% cash back on travel from the Chase Travel Center. This includes flights, hotels and more. You earn 2% cash back at restaurants, gas stations, and on some streaming services. You earn 1% cash back on all other purchases.
Instacart Mastercard® Cash Back Rewards Potential
| Category | Cash Back Percentage | Estimated Annual Spend | Estimated Annual Earnings |
|---|---|---|---|
| Instacart.com | 5% | $1000 | $50 |
| Chase Travel Center, flights, hotels | 5% | $3,000 | $150 |
| Restaurants | 2% | $2,000 | $100 |
| Gas stations | 2% | $1,500 | $75 |
| All Other Purchases | 1% | $3,700 | $37 |
| Total | $11,200 | $412 |
Recommended Credit Score
Credit Score : 690 - 850 (Fair - Exceptional)
We evaluate credit card options based on FICO credit scores. We ensure tailored recommendations that match your financial profile.
For more information see our FICO Recommended credit score Rating explanation here.To qualify for the Instacart Mastercard® Card, we suggest a credit score within the range of 690 (Fair) to 850 (Exceptional). This ensures eligibility for tailored benefits and rewards aligned with your credit profile. Apply now to seize exclusive perks and elevate your credit card experience with us.
Compare The Instacart Mastercard® Card vs. Other Popular Cards
Compare credit cards effortlessly to find the ideal match for your financial goals. Explore features, rewards, fees, and more to make informed decisions and maximize your benefits. You might want cash back, travel rewards, or low APR. Our tool makes it easy. It lets you compare many cards at once.
You have comprehensive information at your fingertips. You can select the card that best fits your spending and preferences. Take control of your finances. Find the perfect credit card for your needs with our easy comparison platform.
Instacart Mastercard® Card
|
Citi® Diamond Preferred® Card
|
SoFi Credit Card
|
|---|---|---|
| 8.6MyCreditCardLab Score |
8.1MyCreditCardLab Score MyCreditCardLab Score 8.1We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
8.5MyCreditCardLab Score MyCreditCardLab Score 8.5We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | ||
| $0 | $0 | $0 |
| INTRO APR | ||
| N/A | 0% for 12 months from account opening date | N/A |
| REGULAR APR | ||
| 20.24% - 28.99% Variable APR | 18.24%-28.99% Variable | 20.24% to 29.99% (variable) |
| WELCOME BONUS | ||
| Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply. | This card does not offer a welcome bonus | None |
| REWARDS | ||
| You earn 5% cash back on Instacart app and Instacart.com purchases | There is no ongoing rewards program, which limits its long-term value. | Earn up to 3 percent cash back rewards for a year when you set up direct deposit with SoFi. |
| BENEFITS | ||
| 5% cash back on Instacart.com, 1% all other purchases | Balance Transfers and Purchases | 2% Simple Rewards Program, No Foreign Transaction Fees |
| CASH ADVANCE FEE / APR | ||
| 5% (min $10) / 29.99% Variable | 5% (min $10) / Up to 29.99% | 5% (min $10) / 32.24% |
| BALANCE TRANSFER FEE | ||
| 20.24% - 28.99% Variable APR | Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum. | Either $10 or 5% of the amount of each transfer, whichever is greater |
| RECOMMENDED CREDIT SCORE | ||
| 690 - 850 (Fair - Exceptional) | 690 - 850 (Fair - Exceptional) | 670 - 850 (Fair - Exceptional) |
| FOREIGN TRANSACTION FEE | ||
| $0 | 3% | 0% |
| BEST FOR | ||
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| More Details Compare | More Details Compare |
Instacart Mastercard Login
Follow these easy steps:
Step 1. Go to the Login Instacart Mastercard page via the official link.
Step 2. Log in using your username and password. The login screen appears upon successful login.
Step 3. If you still can’t access Instacart Mastercard Login then see forgot your username and password option.
Frequently Asked Questions (FAQs)
Still have questions? Check out some of the top FAQs on the Instacart Mastercard® credit card below and get the answers you're looking for.
1. Online site and App
2. By Call : Call 1-800-432-3117. Follow the prompts to have the system read your balance.
3. By Text Message: Text "bal" to 24273. If you haven't already, you'll need to log in to the Chase website and enrol in text banking for this to work.
12 free months of Instacart+ with Chase Sapphire Reserve® and J.P. Morgan Reserve.
6 free months of Instacart+ with Sapphire® and Chase Sapphire Preferred® Card.
You get 3 free months of Instacart+ with Freedom®, Chase Freedom Flex℠, Chase Freedom Unlimited®, Chase Freedom® Student credit card, Slate® and Chase Slate Edge℠.
1. Auto Rental Collision Damage Waiver
2. Roadside Assistance
3. Purchase Protection
4. Lost Luggage Reimbursement
5. Extended Warranty Protection
6. Baggage Delay Insurance
7. Travel Accident Insurance
