Credit card

Chase Instacart Mastercard®

Cash back

MASTERCARD

Apply for Chase Instacart Mastercard®

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Card review

Chase Instacart Mastercard®

4.8 9.6/10 DebitCue Score Verified Jun 20, 2026

5% back on Instacart with no annual fee

Fee: No fee
Purchase APR: 20.24% - 28.99%
Interest-free: -
Foreign fee: None

Rewards

5% Instacart (first $6,000/yr) and Chase Travel, 2% gas/dining/streaming, 1% all else

Welcome offer

$50 Instacart credit upon approval

Our verdict

What stands out, and where it falls short.

What we like

5% Instacart (first $6,000/yr) and Chase Travel, 2% gas/dining/streaming,…
Welcome bonus
No card fee
No foreign transaction fees

Who It Is For

Whether the Chase Instacart Mastercard® fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
Frequent travelers
People who want rewards on their spending

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Purchase APR: 20.24% - 28.99%
Interest-free period: -
Foreign transaction fee: None
5% cap: 5% on Instacart applies to first $6,000 annually; 1% thereafter

Rewards and features

Rewards: 5% Instacart (first $6,000/yr) and Chase Travel, 2% gas/dining/streaming, 1% all else
Welcome offer: $50 Instacart credit upon approval
Pay with: Apple Pay, Google Pay, Contactless, Virtual card

Benefits and perks

Extras that come bundled with the card.

Purchase protection and extended warranty

Chase Instacart Mastercard®: your questions answered

Does the Chase Instacart Mastercard® have a card fee?

No - the Chase Instacart Mastercard® has no card fee.

What rewards does the Chase Instacart Mastercard® earn?

The Chase Instacart Mastercard® earns 5% Instacart (first $6,000/yr) and Chase Travel, 2% gas/dining/streaming, 1% all else.

Does the Chase Instacart Mastercard® charge foreign transaction fees?

No - the Chase Instacart Mastercard® has no foreign transaction fees, so it suits spending abroad.

What is the interest rate on the Chase Instacart Mastercard®?

The Chase Instacart Mastercard® has a purchase APR of 20.24% - 28.99%.

Does the Chase Instacart Mastercard® have a welcome offer?

Yes - $50 Instacart credit upon approval.

Is the Chase Instacart Mastercard® a credit, debit or prepaid card?

The Chase Instacart Mastercard® is a credit card issued by Chase on the Mastercard network.

Does the Chase Instacart Mastercard® support Apple Pay and Google Pay?

Yes - the Chase Instacart Mastercard® works with both Apple Pay and Google Pay.

Where can I get the Chase Instacart Mastercard®?

The Chase Instacart Mastercard® is currently offered in United States.

How does DebitCue rate the Chase Instacart Mastercard®?

DebitCue rates the Chase Instacart Mastercard® 4.8 out of 5 (9.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Chase Instacart Mastercard®?

Use the Apply now button to continue on Chase's secure site. Comparing and applying through DebitCue is free.