Are you considering the Instacart Mastercard®? Before you apply for the card, you'll want to learn some key facts about the offer and how it compares to others on the market.
In reviewing the card, our staff rated it a 4.6 out of 5.0.
With no annual fee and high cash back rewards, this card is ideal for Instacart shoppers. You can earn cash back on every purchase you make, not just with Instacart.
Here's a rundown of the key features, rates, and terms of the Instacart Mastercard®:
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BEST OVERALL RATING
★★★★★
4.6
- Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
- Earn 5% cash back on Instacart app and Instacart.com purchases
- Earn 5% cash back on travel purchased through the Chase Travel Center, including flights, hotels and more
- Earn 2% cash back at restaurants, gas stations and on select streaming services
- Earn 1% cash back on all other purchases
- No annual card fee
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N/A
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N/A
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20.24% - 28.99% Variable
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$0
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Good/Excellent
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There's certainly a lot to like about the Instacart Mastercard®. Let's dive deeper into the card's rates and fees, as they could make or break whether owning the Instacart Mastercard® is right for you.
According to the issuer, the Instacart Mastercard® currently charges the following interest rates on purchases and balance transfers:
- Purchase Intro: N/A
- Balance Transfer Intro: N/A
- Regular APR: 20.24% - 28.99% Variable
Here's the annual fee for the Instacart Mastercard® as listed by the issuer:
See site for details »
According to the issuer, the current general credit history requirement for the Instacart Mastercard® is:
- Credit Level: Good/Excellent
If you feel you have the credit needed for approval and you're ready to apply, you can do so online on the issuer's secure website.
Keep in mind that rates and features may change, so if you like what the Instacart Mastercard® is offering today, you may want to apply now to lock it in current terms before it's too late.
Below are all the ratings our team gives the Instacart Mastercard®, along with the card's ranking within each category. To see how it compares to other cards, simply click on the category name:
All told, our team's review of the Instacart Mastercard® resulted in a rating of 4.6 out of 5.0, as the card features many pros and cons for a potential cardholder to consider. Ultimately, it's up to you to determine if the card's benefits outweigh its possible drawbacks.
If you're ready to apply for the Instacart Mastercard®, here is the link the issuer's official application:
With more than 10 years of accounting experience, Danielle has a bachelor's degree from the University of Florida's Fisher School of Accounting and currently manages all accounts receivable and payable for CardRates and its sister brands. She works with credit card issuers and advertising partners to ensure our content meets compliance and regulatory standards.
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