Instacart Mastercard by Chase - Learn about the benefits now
Instacart Mastercard by Chase – Learn about the benefits now

If you’re an avid fan of online grocery delivery services, you might be interested in the latest addition to Chase’s line of credit cards: the Instacart Mastercard. This co-branded credit card offers one of the highest cash back rates on certain grocery expenses, as well as a solid rewards rate for other common spending categories.

If you’re looking to save even more with online grocery delivery, you’ll be surprised at the many features and benefits this card offers. In our guide, we’ll highlight everything from reward prices and redemption options to Mastercard benefits and the free benefits of an Instacart+ membership.

Highlights of Chase Instacart Mastercard

  • Rewards rates: 5% cash back on Instacart in-app purchases from and partner retail brands; 5% cash back on Chase Travel Center purchases; 2% cash back on gas stations, restaurants, and select streaming services; 1% back on all other purchases
  • Welcome Offer: Automatically receive one year of free Instacart+ and $100 in Instacart points upon approval; auto-renew membership (terms apply)
  • Annual fee: $0
  • Regular APR: 16.49% to 25.24% Variable APR

Chase Instacart Mastercard Benefits

Welcome bonus

Perhaps the most attractive feature of the Instacart Mastercard is the possibility of earning $100 in Instacart points. Once approved you will automatically receive your points and then your membership will automatically renew.

Earn rewards

The second benefit of this Chase grocery card is the great rewards rate in a category where you’ll be spending a lot of money – online grocery delivery. If you don’t like waiting for your groceries to arrive, you can schedule a pickup time.


Regardless, you should know that Instacart offers more than just groceries through its app; the delivery service offers items from over 800 retailers across the country. You can buy high-end items like Apple electronics, sports gear, household items, and even pet items in your life. This means you can get 5% back on larger purchases, which you may not earn as much if you use a different rewards card.

In addition to being able to get 5% back on thousands of items, you can also get 5% back on Chase Travel Center purchases and 2% back on gas stations, restaurants and select streaming services. Other spending categories are still recovering 1%.

With so many categories of everyday spending covered, there are plenty of ways to get the most out of your purchases on this card.


Redeem rewards

Once you start earning rewards, you can redeem them in the following ways:

  • Gift card
  • Crossing the Chase Travel Center
  • Direct Deposit or Statement of Credit
  • Points for all or part of your Instacart order

Additionally, there is no minimum bonus balance required for direct deposit, statement credit, or Instacart orders.


If you decide to travel with this card, there are no foreign transaction fees other than the annual fee. This means you won’t be charged any extra for shopping with this card when you travel outside the US.


Additional Benefits and Benefits

The Instacart Mastercard has some additional perks that you’ll appreciate. Even if it’s not necessarily a travel credit card, it’s worth noting that there are no foreign transaction fees and there are plenty of travel-related advantages.

Instacart+ Membership

With an Instacart Mastercard, you can get a free Instacart+ membership (usually $99 per year or $9.99 per month). Instacart+ membership means you get $0 shipping fees on orders of $35 or more, plus a reduced service fee.

Who should get the Chase Instacart Mastercard?

This is a good card to consider if you’re looking to beat inflation in categories like food and gas spending. No annual fee for Instacart+ membership — plus a $100 welcome bonus — means you’re already making a lot of money with the card.

If you don’t have Instacart in your area, or you don’t plan to use online delivery very often, you’re not going to get much value out of this card. If you’re a travel rewards lover, look elsewhere as you can’t redeem travel to increase the value of your rewards (for example, with the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®).

Final result

Chase Instacart Mastercard is a refreshing update in the world of rewards and grocery credit cards. At a time when people are doing their best to combat the effects of inflation, this card helps cardholders save time and money while buying what they need.

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Jake Smith

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Jake Smith

He is the editor of Eragoncred. Previously, he was editor-in-chief of Eragoncred and a financial industry reporter. Jake has spent most of his career as a Digital Media journalist and has over 10 years of experience as a writer and editor.