- Sign-Up Bonus
- 4.5
- Spending Multipliers
- 3.5
- Credits & Features
- 0
- Fees
- 5
- Application
- 3.5
- Issuer
- 5
Summary
- Sign-Up Bonus
- 4.5
- Spending Multipliers
- 3.5
- Credits & Features
- 0
- Fees
- 5
- Application
- 3.5
- Issuer
- 5
The Chase Instacart Mastercard is designed for regular Instacart shoppers looking to earn cash back on groceries and everyday orders. With no annual fee and no foreign transaction fees, this card offers 5% cash back on Instacart purchases (capped at $6,000 annually), making it ideal for customers who frequently use the platform to shop for groceries and household essentials. All other purchases earn a modest 1% cash back, so it’s best suited for users who prioritize Instacart spending rather than general rewards accumulation. While the card lacks additional features, its simplicity and targeted rewards make it a practical choice for loyal Instacart users seeking straightforward cash back benefits without an annual fee.
Pros
Cons
Issuer
Chase, tracing its roots to 1799, has evolved into the largest bank in America with a global presence and over 240,000 employees. Founded with a mission to provide clean water to New York and using its surplus for its banking operations, Chase introduced its first credit card in 1958 and remains prominent in the credit card space, notably enforcing the "5/24 rule." Serving a diverse customer base with a focus on individuals and businesses, Chase offers a comprehensive range of financial products, including checking accounts, credit cards, loans, and investment services. With total assets reaching $4.6 trillion and an annual revenue of $280 billion in 2025, Chase stands as a financially stable institution. Committed to innovation, the bank invests $15 billion in technology, providing an intuitive online and mobile banking experience. Chase's philanthropic efforts align with addressing environmental and social challenges, exemplified by its Sustainable Development Target. Collaborating with various companies like Amazon, Southwest, United, Marriott, and Disney to name a few, Chase offers co-branded cards and operates over 4,700 branches in the US, emphasizing accessibility. Grounded in core principles, Chase strives to deliver exceptional client service, uphold integrity, and support employee growth, maintaining regulatory compliance as an FDIC, FINRA, and SIPC member and an equal housing opportunity lender.
Spending Multipliers
5%
Cash Back on Instacart purchases up to $6,000 in annual spend
5%
Cash Back on Chase travel purchases
2%
Cash Back on dining
2%
Cash Back on gas
2%
Cash Back on select streaming services
1%
Cash Back on all other purchases
Credits & Features
Application
- Chase has a strict 5/24 rule, meaning you will be rejected if you opened 5 or more cards in the past 24 months
- Welcome bonus is only available once per Instacart account
- Consider having at least a credit history for 1 year
- Avoid applying for more than 2 Chase cards in 30 days
Fees
- No Annual Fee
- No Foreign Transaction Fee
- Up to $40 late fee
- Up to $40 return payment fee
- 18.24% - 27.74% Variable APR
- 28.49% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 18.24% - 27.74% APR for Balance Transfer
- $5 or 5% of each transfer amount (whichever is greater)