Instacart Mastercard®

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.

Instacart Mastercard

Our Rating

4.2/5.0

Welcome Offer

Best Offer: Get a free year of Instacart+ and a $100 Instacart credit

Annual Fee

$0

0% Intro on Purchases

N/A

Reward Rate

1% to 5% cash back

0% Intro on Balance Transfers

N/A

Welcome Offer

Best Offer: Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay, PayPal
BenefitsExtended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance, Luggage Protection, Roadside Assistance, Travel Accident Insurance

Rewards

1% cash back
On all other eligible purchases
Earn 1% cash back on all other purchases
2% cash back
Streaming services
Earn 2% cash back on select streaming services
2% cash back
Dining
Earn 2% cash back at restaurants
2% cash back
Gas
Earn 2% cash back at gas stations
5% cash back
Select Categories
Earn 5% cash back on Instacart.com and Instacart app purchases on over 750 retailers delivering from more than 70,000 stores across 5,500 cities
5% cash back
Travel
Earn 5% cash back on travel purchased over the phone through the Chase Travel Center, including flights, hotels and more

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee$0
Regular APR20.24% - 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 StatusDateCredit ScoreBureauCredit Limit
Approved02/08/2023
694
Experian
$12,000
Approved08/31/2023
710
TransUnion
$3,000

Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Up to 5% cash back
Cons
  • High APR
  • Requires good credit

What Are the Best Alternatives?

Blue Cash Preferred® Card from American Express
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
Blue Cash Everyday® Card from American Express

Rating

4.4

Rewards Range

1%-3%

Annual Fee

$0

Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card

Rating

4.5

Rewards Range

1% -10%

Annual Fee

$0

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