A guide to the Instacart Mastercard®
Quick insights
- The Instacart Mastercard is a co-branded credit card offered by Instacart and Chase.
- Cardmembers can earn rewards on qualifying purchases at Instacart and Chase Travel, as well as on dining, gas and select streaming services.
- The credit card has several options for redeeming rewards, including receiving cash back or paying for Instacart or Chase Travel purchases with points.
If you enjoy the convenience of grocery delivery services, you probably know about Instacart. The service can potentially save time and limit trips to crowded grocery stores and other retailers in your area.
With the Instacart Mastercard credit card, you can earn a variety of rewards on your everyday shopping, including for eligible Instacart purchases. Other highlights of the credit card include flexible ways to redeem the rewards you earn.
Read on to learn more about the Instacart Mastercard and how its variety of rewards can help you fill up your cart, reward you for everyday purchases and more.
Instacart Mastercard rewards: Things to know
Is the Instacart Mastercard right for you? For those who frequently shop with Instacart or like to book trips through Chase Travel, these purchases can earn accelerated rewards in qualifying circumstances. Plus, there are rewards on other everyday purchases.
The Instacart Mastercard rewards include:
- 5% cash back on qualifying Instacart app and Instacart.com purchases on your first $6,000 spent annually
- 5% cash back on Chase Travel purchases, including flights, hotels and more
- 2% cash back at restaurants, including order on Instacart powered by Uber Eats, gas stations and on select streaming services
- 1% cash back on all other purchases
If you spent $100 a week on groceries and other eligible purchases through Instacart, you’d earn $260 cash back over a 12-month period on these purchases. That’s on top of any rewards you may earn in other rewards categories for qualifying purchases.
If these rewards match your spending habits, the Instacart Mastercard may be worth it. Learn more about the rewards and benefits of the Instacart Mastercard.
Flexible rewards redemption with Instacart Mastercard
If you like to choose how you redeem your rewards, you may appreciate that the Instacart Mastercard offers three options:
- Earn cash back: Receive cash back as a direct deposit or statement credit. There’s no minimum amount to redeem your rewards for cash.
- Book with Chase Travel: Use rewards to reserve and pay for flights, hotels, car rentals and more.
- Pay with points: Use points to pay for all or some of your purchase in the Instacart app or at Instacart.com (excludes restaurant orders on Instacart powered by Uber Eats).
Instacart Mastercard travel protection and other benefits
Instacart Mastercard comes with a range of credit card protection benefits that provide coverage on certain travel-related and other purchases. If you’re a cardmember, you may find that these benefits help you travel and shop with confidence. Review the latest Guide to Benefits for full coverage details and terms.
In summary
The Instacart Mastercard allows you to earn a variety of rewards, including 5% cash back on eligible purchases through Instacart and Chase Travel. Cardmembers have a few ways to redeem their rewards, including getting cash back or paying within rewards or points through Chase Travel and Instacart. The card also comes with a range of credit card protection benefits.
