{"id":174803,"date":"2024-08-31T18:00:39","date_gmt":"2024-08-31T18:00:39","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=174803"},"modified":"2026-04-08T14:01:29","modified_gmt":"2026-04-08T14:01:29","slug":"chase-instacart-credit-card","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/cash-back\/chase-instacart-credit-card\/","title":{"rendered":"Instacart Mastercard\u00ae Review: Elite Rewards for Instacart Users, Limited Utility for Non-Users"},"content":{"rendered":"<p>The Instacart Mastercard<sup>\u00ae<\/sup> is a relatively new entrant in the world of co-branded credit cards. As you might expect based on the name, it's aimed at the power users of the very popular service. The card rewards Instacart purchases handsomely. Better yet, it also offers several other benefits that might entice new cardholders thanks to its issuing bank, Chase.<\/p>\n<p>Let's dive into the details of the Instacart credit card and see if it makes sense for your wallet.<\/p>\n<div class=\"qs-card\" data-id=\"5048288\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Instacart Mastercard<sup>\u00ae<\/sup><\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/93\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/CardArt-InstcartMastercard.png\" width=\"150\" alt=\"Instacart Mastercard\u00ae\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nGet a $50 Instacart credit  automatically upon approval. <\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Instacart Mastercard<sup>\u00ae<\/sup><\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nGet a $50 Instacart credit  automatically upon approval. <\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-er\"><ul>\r\n<li>5% cash back on the Instacart app and Instacart.com purchases<\/li>\r\n<li>5% cash back on travel purchased through the Chase Travel Center, including flights, hotels and more<\/li>\r\n<li>2% cash back at restaurants, gas stations, and on select streaming services<\/li>\r\n<li>1% cash back on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/InstacartMC\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-15b009cd64#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Instacart_Credit_CardPros\">Instacart Credit Card\u00a0Pros<\/a><\/li><li><a href=\"#Instacart_Credit_CardCons\">Instacart Credit Card\u00a0Cons<\/a><\/li><li><a href=\"#Chase_InstacartWelcome_Offer\">Chase Instacart\u00a0Welcome Offer<\/a><\/li><li><a href=\"#Instacart_Mastercard_Benefits\">Instacart Mastercard Benefits<\/a><ul><li><a href=\"#World_Elite_Mastercard\">World Elite Mastercard<\/a><\/li><\/ul><\/li><li><a href=\"#Instacart_Credit_CardEarning_Rates\">Instacart Credit Card\u00a0Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Rewards_with_the_Chase_Instacart_Card\">Redeeming Rewards with the Chase Instacart Card<\/a><\/li><li><a href=\"#Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/a><\/li><li><a href=\"#Cards_that_Compete_with_the_Instacart_Card\">Cards that Compete with the Instacart Card<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Instacart_Credit_CardPros\">Instacart Credit Card\u00a0Pros<\/span><\/h2>\n<ul>\n<li>Earn 5% cash back on Instacart app and Instacart.com purchases, and on Chase Travel purchases.<\/li>\n<li>$0 annual fee.<\/li>\n<li>No foreign transaction fees.<\/li>\n<\/ul>\n<h2><span id=\"Instacart_Credit_CardCons\">Instacart Credit Card\u00a0Cons<\/span><\/h2>\n<ul>\n<li>No built-in Instacart+ benefits.<\/li>\n<li>Subject to Chase's 5\/24 rule.<\/li>\n<li>Limited utility for non-Instacart users.<\/li>\n<\/ul>\n<h2><span id=\"Chase_InstacartWelcome_Offer\">Chase Instacart\u00a0Welcome Offer<\/span><\/h2>\n<p>As a new applicant for the Instacart Mastercard, you can get a $50 Instacart credit auto\u00admat\u00adi\u00adcal\u00adly upon approval \u2014 no minimum spending requirement attached.<\/p>\n<p>In the past, Chase has offered a one-year complimentary Instacart+ membership as part of the sign-up bonus. This membership isn't a staple benefit of the card and otherwise costs $9.99 per month or $99 annually. Thus, you may find it worthwhile to wait for another offer if you want to avoid enrolling in Instacart+ without paying for it outright.<\/p>\n<figure id=\"attachment_126819\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-126819 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/Dollar-Gill-Unsplash-grocery-shopping-featured.png\" alt=\"a person browses bags of chips in a large supermarket\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/Dollar-Gill-Unsplash-grocery-shopping-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/Dollar-Gill-Unsplash-grocery-shopping-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/Dollar-Gill-Unsplash-grocery-shopping-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/Dollar-Gill-Unsplash-grocery-shopping-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Dollar Gill\/Unsplash<\/em><\/enter><\/figure>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-offers\/\" rel=\"noopener\">Top Credit Card Offers This Month<\/a><\/strong><\/p>\n<h2><span id=\"Instacart_Mastercard_Benefits\">Instacart Mastercard Benefits<\/span><\/h2>\n<p>Despite lacking any formal benefits with its co-branded partner, such as a complimentary or discounted Instacart membership, the Instacart Mastercard still offers a slew of benefits for cardholders.<\/p>\n<h3><span id=\"World_Elite_Mastercard\">World Elite Mastercard<\/span><\/h3>\n<p>Since the Instacart Mastercard is a <a target=\"_blank\" href=\"\/credit-cards\/world-elite-mastercard-benefits\/\" rel=\"noopener\">World Elite Mastercard<\/a>, all the standard benefits from that designation come with the card. This includes:<\/p>\n<ul>\n<li>Secondary auto rental coverage.<\/li>\n<li>Purchase protection for 90 days due to theft or damage ($500 per claim and up to $50,000 per account).<\/li>\n<li>Extended warranty of a year for products sold with warranties of three years or less.<\/li>\n<li>Baggage delay insurance for delays over 6 hours ($100 per day for 3 days).<\/li>\n<li>Lost luggage reimbursement for you or an immediate family member, up to $3,000 per passenger.<\/li>\n<li>Roadside assistance, travel accident insurance (up to $500,000), and travel emergency assistance services.<\/li>\n<\/ul>\n<p>While these benefits can be found on every card deemed a World Elite Mastercard, it's great that a no-annual-fee card includes all of these benefits. For example, baggage delay insurance can really come in handy during a trip when a bag is misplaced by your airline.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/baggage-loss-insurance\/\" rel=\"noopener\">Which Credit Cards Offer Lost or Damaged Luggage Protection?<\/a><\/strong><\/p>\n<h2><span id=\"Instacart_Credit_CardEarning_Rates\">Instacart Credit Card\u00a0Earning Rates<\/span><\/h2>\n<p>The Instacart Mastercard has some solid bonus categories for a no-annual-fee card; it earns as follows:<\/p>\n<ul>\r\n<li>5% cash back on the Instacart app and Instacart.com purchases<\/li>\r\n<li>5% cash back on travel purchased through the Chase Travel Center, including flights, hotels and more<\/li>\r\n<li>2% cash back at restaurants, gas stations, and on select streaming services<\/li>\r\n<li>1% cash back on all other purchases<\/li>\r\n<\/ul>\n<p>It's worth noting that your rewards are denominated in points. 5% cash back equates to 5X points per dollar. Your points are worth 1 cent apiece.<\/p>\n<p>If you're an Instacart user, the card's earning categories are a boon. You'll earn cash back handsomely. The value proposition only improves if you use the card for <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-travel-portal\/\" rel=\"noopener\">Chase Travel<\/a> reservations and purchases where you'll earn 5% cash back.<\/p>\n<p><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"aligncenter wp-image-74905 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/01\/featured-top-down-view-of-grocery-store.jpeg\" alt=\"Featured image of a grocery store, view from top down\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/01\/featured-top-down-view-of-grocery-store.jpeg 2000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/01\/featured-top-down-view-of-grocery-store-300x240.jpeg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/01\/featured-top-down-view-of-grocery-store-1024x819.jpeg 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/01\/featured-top-down-view-of-grocery-store-1536x1229.jpeg 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/01\/featured-top-down-view-of-grocery-store-325x260.jpeg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<h2><span id=\"Redeeming_Rewards_with_the_Chase_Instacart_Card\">Redeeming Rewards with the Chase Instacart Card<\/span><\/h2>\n<p>Since the Instacart Mastercard is a cash back card, your redemption options are somewhat limited. Presently, you can cash out in four different ways:<\/p>\n<ul>\n<li>Direct deposits to a linked bank account.<\/li>\n<li>Statement credits.<\/li>\n<li>Cover Chase Travel reservations.<\/li>\n<li>Pay with points to offset or cover the cost of your Instacart purchase (excludes restaurant orders on Instacart powered by Uber Eats).<\/li>\n<\/ul>\n<p>Generally, your points are worth 1 cent apiece, and they'll never expire as long as your account remains open and in good standing.<\/p>\n<h2><span id=\"Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/span><\/h2>\n<p>Since this is a Chase card, the <a target=\"_blank\" href=\"\/credit-cards\/chase-5-24-rule\/\" rel=\"noopener\">5\/24 rule<\/a> applies to new applicants. In short, Chase will deny your card application if you've applied for and received five new personal credit card accounts in the last 24 months. If you're curious about what your 5\/24 status is, <a target=\"_blank\" href=\"\/credit-cards\/how-to-check-5-24-status\/\" rel=\"noopener\">click here to learn how to check it for free<\/a>.<\/p>\n<p>Moreover, the Instacart Mastercard application page states the following:<\/p>\n<blockquote><p><em><strong>&#8220;This credit card is available to you if you do not currently have the Instacart Mastercard<sup>\u00ae<\/sup> and if you have not received a cash back new cardmember bonus from Chase for this card in the past 24 months.&#8221;<\/strong><\/em><\/p><\/blockquote>\n<p>Besides that, you'll also want to consider if you're an ideal customer for Instacart. While 1,400 brands and 80,000+ stores use Instacart, it's entirely possible that your preferred store or city is outside of Instacart's coverage area. While 5% cash back on travel is great for this card, other credit cards offer that benefit and more.<\/p>\n<figure id=\"attachment_172910\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-172910 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Grocery-Store-Featured-Hanson-Lu-Unsplash.jpg\" alt=\"A person on the phone while walking in a Walmart grocery aisle.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Grocery-Store-Featured-Hanson-Lu-Unsplash.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Grocery-Store-Featured-Hanson-Lu-Unsplash-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Grocery-Store-Featured-Hanson-Lu-Unsplash-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Grocery-Store-Featured-Hanson-Lu-Unsplash-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Hanson Lu\/Unsplash<\/em><\/enter><\/figure>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Understanding Credit Card Application Rules and Restrictions<\/a><\/strong><\/p>\n<h2><span id=\"Cards_that_Compete_with_the_Instacart_Card\">Cards that Compete with the Instacart Card<\/span><\/h2>\n<p>There are several cash-back cards that compete with the Instacart Mastercard. Here's a look at some notable options:<\/p>\n<ul>\n<li><strong>If you prefer Amazon Fresh and Whole Foods over Instacart and routinely shop at Amazon,<\/strong> consider the <a data-ccid=\"5048341\" href=\"\/blog\/link\/PrimeVisa?var2=ccid~5048341\" rel=\"noopener nofollow sponsored\">Prime Visa<\/a> . You'll earn 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, plus 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare). <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/amazon-prime-visa\/\" rel=\"noopener\">Learn more about the card in our Prime Visa review<\/a>.<\/li>\n<li><strong>If you want a non-cobranded Chase card that earns rewards on various types of purchases,<\/strong> check out the <a data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" rel=\"noopener nofollow sponsored\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/a>  (<a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=094e52dc2e389446e0c125ee34670bf4a&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). The card earns 5% on travel purchased through Chase Travel\u2120, 3% on dining at restaurants and drugstores, and 1.5% on other eligible purchases. Moreover, if you have another card that earns Chase Ultimate Rewards points, you can combine your rewards to grow your redemption options. <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\" rel=\"noopener\">Learn more about the Freedom Unlimited in our comprehensive review<\/a>.<\/li>\n<li><strong>If you'd rather earn no-frills unlimited 2% cash rewards on purchases,<\/strong> don't overlook the <a data-ccid=\"4048251\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/wells-fargo-active-cash\/\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/a>  (<a data-ccid=\"4048251\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&subproduct_code=AC&FPID=0126D7I6F40000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). The card's earning structure, no annual fee, and $200 cash rewards bonus after spending $500 in purchases in the first 3 months make it a boon for those who prefer a straightforward approach. <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/wells-fargo-active-cash\/\" rel=\"noopener\">Learn more in our full Active Cash Card review<\/a>.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-wells-fargo\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/7dab32c0-9de5-470e-9141-11f1b1c9eb06.jpg\" width=\"150\" alt=\"Prime Visa\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Prime Visa<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members<\/div><\/div><div class=\"compare-apply\"><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership<\/li>\r\n<li>Unlimited 2% back on local transit and commuting (including rideshare)<\/li>\r\n<li>Unlimited 2% back at restaurants and at gas stations<\/li>\r\n<li>Unlimited 1% back on all other purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/aef345f2-25d7-4d44-b7c7-e62661f0291c.png\" width=\"150\" alt=\"Chase Freedom Unlimited\u00ae\"\/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Freedom Unlimited\u00ae' data-ccid=\"3006090\" data-exit=\"ccw\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=094e52dc2e389446e0c125ee34670bf4a&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5% on purchases through Chase Travel\u2120<\/li>\r\n<li>Earn 3% on dining at restaurants <\/li>\r\n<li>Earn 3% on drugstore purchases <\/li>\r\n<li>Earn 1.5% on all purchases <\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/merchant.linksynergy.com\/fs\/banners\/40602\/40602_52.png\" width=\"150\" alt=\"Wells Fargo Active Cash\u00ae Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Wells Fargo Active Cash\u00ae Card' data-ccid=\"4048251\" data-exit=\"ccw\" href=\"\/blog\/link\/CR-WellsFargoActiveCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"4048251\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&subproduct_code=AC&FPID=0126D7I6F40000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-for-groceries\/\" rel=\"noopener\">Best Cards for Groceries and Supermarkets<\/a><\/strong><\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>For the right kind of shopper, the Instacart Mastercard can be a rewarding wallet addition. Few cards offer the ability to earn up to 5% cash back on a purchase without charging an annual fee. And on top of that, the Instacart Mastercard also has several additional (unheralded) benefits courtesy of its Mastercard World Elite designation.<\/p>\n<p>However, if you're not an Instacart power user or are unsure if it's worth using a 5\/24 slot on a niche card, you'd be wise to consider other cards. There's a bevy of cards that offer generous rewards for grocery and supermarket purchases, so you're not without a variety of options.<\/p>\n<p>It's also worth noting that the other cards in the Chase portfolio offer more extensive Instacart benefits than the Instacart Mastercard. <a target=\"_blank\" href=\"\/credit-cards\/chase-instacart-credit\/\" rel=\"noopener\">Several Chase cards offer a 10% discount on Instacart purchases<\/a>, and by extension, feature more attractive sign-up bonuses. So, it's worth shopping around before applying for the Instacart Mastercard.<\/p>\n<div class=\"qs-card\" data-id=\"5048288\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Instacart Mastercard<sup>\u00ae<\/sup><\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/93\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/CardArt-InstcartMastercard.png\" width=\"150\" alt=\"Instacart Mastercard\u00ae\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nGet a $50 Instacart credit  automatically upon approval. <\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Instacart Mastercard<sup>\u00ae<\/sup><\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nGet a $50 Instacart credit  automatically upon approval. <\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-er\"><ul>\r\n<li>5% cash back on the Instacart app and Instacart.com purchases<\/li>\r\n<li>5% cash back on travel purchased through the Chase Travel Center, including flights, hotels and more<\/li>\r\n<li>2% cash back at restaurants, gas stations, and on select streaming services<\/li>\r\n<li>1% cash back on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/InstacartMC\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-15b009cd64#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Instacart Mastercard\u00ae offers 5% cash back on Instacart app and Instacart.com purchases, 5% cash back on Chase Travel\u2120 purchases, and a lot more. Is it right for your wallet? Read our comprehensive review for help making the decision.<\/p>\n","protected":false},"author":97,"featured_media":74905,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,12786],"coauthors":[36469],"class_list":["post-174803","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-chase"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/174803","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=174803"}],"version-history":[{"count":17,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/174803\/revisions"}],"predecessor-version":[{"id":256511,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/174803\/revisions\/256511"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/74905"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=174803"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=174803"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=174803"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=174803"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}