It could offer great value if you’re already a big Instacart user, but may fall flat if you just want grocery rewards
$200 Instacart Credit
16.49% – 25.24% Variable
Good to Excellent
(670 – 850)
Fans of grocery delivery services may find a lot to love about the Instacart Mastercard®. Instacart’s first credit card has no annual fee and earns 5 percent cash back on Instacart purchases made with eligible retail brands on Instacart.com and the Instacart app that cover your groceries and many other everyday purchases. This includes purchases from eligible superstores and wholesale clubs, which are areas where many cash back cards fall short.
The card also offers elevated cash back rewards beyond Instacart, including on travel purchased through the Chase Travel Center portal, at gas stations and restaurants, as well as on select streaming services. When you add in a nice welcome offer, flexible redemption options, and a generous amount of consumer protections and additional benefits, this could be a great standalone card that covers the needs of many at-home-shopping fans looking for food delivery perks.
If you’re not a fan of Instacart and the convenience it and other delivery services provide, this card may not be the best fit. There are a number of rewards cards that offer better rewards on groceries, gas, restaurants and streaming services, and some even include Instacart as part of their grocery category. Plus, when you factor in the range of potential Instacart fees and the fact that retailers may charge higher prices on Instacart, this card could be a poor fit …….