Instacart Mastercard Review: Grocery Delivery Made More Rewarding

Instacart Mastercard: Max rewards on grocery delivery.

Instacart Mastercard Review: Grocery Delivery Made More Rewarding


  • Annual Fee: $0, making it an affordable option for all.
  • Rewards: 5% back on Instacart purchases, 5% on travel through the Chase Travel Center, 2% at restaurants and gas stations, and 1% on all other purchases.
  • Sign-Up Bonus: Free year of Instacart+ and a $100 Instacart credit upon approval.
  • APR: Variable 20.24%-28.99%, without an introductory offer.


  • Highly Rewarding for Instacart Purchases: Unmatched 5% cash back on Instacart orders.
  • Bonus Categories: Earns cash back in other useful categories like dining and travel.
  • No Annual Fee: Maximizes rewards without the worry of offsetting a fee.
  • World Elite Mastercard Perks: Includes valuable protections and benefits for travel and purchases.


  • Limited Appeal: Primarily beneficial for regular Instacart users.
  • No Intro APR: Misses out on introductory interest savings found with some other cards.
  • Geographical Limitations: Only useful in areas served by Instacart.

Product Summary

The Instacart Mastercard is an excellent choice for those who frequently use Instacart for their grocery needs, offering significant cash back on Instacart orders and a robust rewards rate on other categories like travel and dining. With no annual fee and additional World Elite Mastercard benefits, it's a card that not only pays for your convenience but also extends perks beyond grocery delivery. However, its appeal is niche and best suited for Instacart loyalists. For others, the card may offer less value, especially in regions where Instacart's reach is limited or for those who prefer shopping in-store. Overall, for the right user, this card transforms everyday grocery delivery into a more rewarding experience.

Read more