Instacart Mastercard®
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The Instacart Mastercard® is a rewards card designed for those who use Instacart or think they would like to use Instacart. It offers an Instacart+ membership and $100 Instacart credit upon approval. An Instacart+ membership gets you free delivery on orders over $35. The Instacart+ membership will renew automatically at the end of the first year at a cost of $99. There is no 0% introductory APR offer, and other cards may offer more value if you don’t shop with Instacart. We dive into the details and your approval odds in this Instacart Card review.
Our Rating
4.2/5.0
Welcome Offer
Get a free year of Instacart+ and a $100 Instacart credit
Annual Fee
$0
0% on Purchases
N/A
Reward Rate
1% to 5% cash back
0% on Balance Transfers
N/A
Editorial Review
Welcome Offer
Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
Features & Benefits
| Security | EMV Chip Enabled |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay, PayPal |
| Benefits | Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance, Luggage Protection, Roadside Assistance, Travel Accident Insurance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | $0 |
| Regular APR | 20.24% - 28.99% (V) APR |
What Credit Score Is Required to Get the Instacart Mastercard®
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 694
Average Approved Credit Score: 702
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 02/08/2023 | Experian | ||
| Approved | 08/31/2023 | TransUnion |
Pros & Cons
- Welcome offer
- No annual fee
- No foreign transaction fee
- Up to 5% cash back
- High APR
- Requires good credit
What Are the Best Alternatives?
Blue Cash Preferred® Card from American Express
Rating
4.5
Rewards Range
1%-6%
Annual Fee
$0 intro annual fee for the first year, then $95.
Blue Cash Everyday® Card from American Express
Rating
4.4
Rewards Range
1%-3%
Annual Fee
$0
Capital One SavorOne Cash Rewards Credit Card
Rating
4.5
Rewards Range
1% -10%
Annual Fee
$0