USES

Instacart Mastercard® from Chase Review

Instacart Mastercard® from Chase — all information about the credit card.

Updated February 11, 2025
Advertiser Disclosure Our Methodology
Chase Instacart Mastercard®
Learn more
Our Rating:
4.07 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 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 on travel purchased over the phone through the Chase Travel Center, including flights, hotels and more.
    • 2% Cash Back at restaurants, gas stations, and on select streaming services.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $50 Instacart credit. Credit will be automatically loaded into your Instacart.com account upon the approval of your credit card application.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    19.24% - 27.99% Variable
  • Balance Transfer APR:
    19.24% - 27.99% Variable
Show more

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Chase Instacart Mastercard® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
5%
Instacart
$
5%
Travel
$
2%
Dining
$
2%
Gas
$
2%
Streaming service
$
1%
All other purchases
$
Have you already recieved the Chase intro bonus?
Calculate
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All benefits

  • Cash back
    • 5% On Instacart.com and Instacart app purchases on over 750 retailers delivering from more than 70,000 stores across 5,500 cities.
    • 5% On travel purchased over the phone through the Chase Travel Center, including flights, hotels and more.
    • 2% At restaurants, gas stations, and on select streaming services.
    • 1% On all other purchases.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 19.24% - 27.99% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 19.24% - 27.99% Variable
  • APR for Cash Advances
    • 29.24% Variable
  • How to Avoid Paying Interest
    • Your due date will be a minimum of 21 days after the close of each billing cycle. You will not be charged interest on new purchases if you pay your entire balance or Interest Saving Balance by the due date each month. You will be charged interest on balance transfers and cash advances on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $5 or 5% of the amount of each transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each transaction, whichever is greater
  • Penalty Fees
    • Up to 29.99%
  • Return Payment
    • Up to $40
  • Late Payment
    • Up to $40
  • Return Check
    • None
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • No Foreign Transaction Fee
Cons:
  • No Intro APR period
  • Extra Fees

Features

Classic
Mastercard
  • No Annual Fee
  • No foreign transaction fees
  • Rewards
  • Travel
  • Airline
  • Good Credit
  • Excellent Credit

About the issuer

Chase
Chase has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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    Annual Fee
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    Regular APR
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    Purchase Intro APR
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    Regular APR
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    Purchase Intro APR
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Recommended credit score
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  • $39
    Annual Fee
  • 18.24%
    Regular APR
  • 1%
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See Another Credit Cards in the Bank

Chase Instacart Mastercard® is an option for those, who need Classic features. With an APR of 19.24% - 27.99% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Chase Instacart Mastercard® you will get such features as No Annual Fee, No foreign transaction fees, Rewards, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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