Instacart Mastercard Review: Earn 5% Back on Grocery Delivery Explained

Instacart is revolutionizing the grocery delivery market, making it easier than ever to have our weekly groceries delivered straight to our doors. With the Instacart Mastercard, these convenient services can now come with additional rewards. In this article, we will provide a comprehensive review of the Instacart Mastercard and discuss how you can earn a generous 5% back on grocery delivery purchases.

The Instacart Mastercard offers a unique opportunity to get more out of your grocery delivery services. As online shopping becomes increasingly popular, credit card providers are recognizing the trend and partnering with companies like Instacart to incentivize users to use their services. The result is a card that offers not only an impressive rate of cashback on grocery deliveries, but also a slew of other benefits that savvy shoppers are sure to appreciate.

Read on to learn more about the features and perks of the Instacart Mastercard, including how to maximize your rewards and make the most out of your grocery delivery experience. This card might just be the essential addition to your wallet that can help you save on your next Instacart purchase and beyond.

Card Basics

The Instacart Mastercard offers its users the opportunity to earn 5% back on grocery delivery purchases made through the Instacart platform. This cashback reward is geared towards those who frequently use the online grocery delivery service and want to maximize their savings.

Alongside the 5% back on Instacart orders, the card also provides additional rewards on various spending categories, such as dining and travel. Cardholders can benefit from various perks, including a certain sign-up bonus, which typically requires meeting a minimum spend within the first few months of card membership.

Some important features to consider when applying for the Instacart Mastercard include:

  • Annual fee: Determine if there is an annual fee associated with the card and weigh the benefits of the rewards against this cost.
  • Interest rate: Be aware of the card’s annual percentage rate (APR) for purchases, as well as potential fees for balance transfers and cash advances.
  • Foreign transaction fees: If you’re a frequent traveler, it’s essential to know if the card charges fees for foreign transactions.
  • Rewards expiration: Check whether the earned rewards have an expiration date or if they can be used indefinitely.

For optimal user experience and convenience, the Instacart Mastercard usually offers benefits such as online account management, mobile wallet compatibility, and 24/7 customer support. These features can enhance the cardholder’s overall satisfaction with the card.

Earning Rewards

The Instacart Mastercard offers cardholders multiple ways to earn rewards. Primarily, you’ll earn 5% cash back on purchases made within the Instacart app and on, which includes membership and subscription charges. This makes it an excellent choice for those who frequently use Instacart for their grocery delivery needs.

Additionally, cardholders can earn 5% cash back on travel purchases made through the Chase Travel Center. This includes bookings for flights, hotels, and more. However, it’s important to note that these travel reservations must be made over the phone by calling the provided number, as online reservations are not eligible for the bonus cash back.

Besides these main categories, the Instacart Mastercard offers 2% cash back at restaurants, gas stations, and on select streaming services. This makes it a versatile card that can help you save on more than just grocery deliveries.

One of the major benefits of the Instacart Mastercard is the absence of a cap on rewards. This means you can continue to earn cash back on all eligible purchases without having to worry about hitting any limits.

Redeeming Rewards

The Instacart Mastercard allows users to redeem their accumulated rewards in various ways, making it convenient and flexible for cardholders. Redemption options include statement credits, merchandise, gift cards, travel, and more.

One of the most popular options is to redeem rewards as statement credits towards your Instacart purchases. This lets you directly benefit from the rewards earned on your grocery delivery and online shopping activities. To use this option:

  1. Log into your credit card account online or via the mobile app.
  2. Navigate to the rewards section in the account dashboard.
  3. Select the option to redeem rewards as statement credits.
  4. Choose the eligible Instacart purchases to apply your rewards to.

Users can also redeem rewards for gift cards from various merchants and retailers. This can be a great way to use your rewards for gifts or to treat yourself to something special. To redeem for gift cards, follow similar steps as mentioned above, but select the gift card redemption option in your account.

If you’re looking to book travel, the Instacart Mastercard allows you to redeem rewards for flights, hotels, and car rentals through their partner travel booking portal. Keep in mind that redemption value for travel may vary depending on the selected reward option.

When considering redeeming rewards, it’s important to take note of any minimum redemption requirements and expiration dates for accumulated rewards. Being aware of these details can help you make the most of your Instacart Mastercard benefits.

Additional Benefits

Not only does the Instacart Mastercard offer 5% back on grocery deliveries, but it also comes with other benefits that enhance the shopping experience. These additional perks attract more users and enhance the overall card value for its cardholders.

Some of these benefits include:

  • No Annual Fee: The Instacart Mastercard comes with no annual fee, making it an ideal choice for frequent grocery shoppers.
  • Flexible Redemption Options: Cardholders can redeem their rewards as statement credits, gift cards, or other options, providing flexibility when using earned rewards.
  • Exclusive Offers and Discounts: Instacart Mastercard users can take advantage of special deals and discounts through the Instacart platform or with participating retailers.
  • Zero Fraud Liability: Cardholders are not responsible for unauthorized purchases made on their accounts, providing peace of mind and protection against any potential scams.

Overall, the additional benefits of the Instacart Mastercard make it an attractive option for those who frequently use grocery delivery services. By offering a variety of perks, the card adds value beyond the initial 5% back on grocery deliveries, making it even more appealing to potential users.

Fees and Rates

The Instacart Mastercard comes with a straightforward and easy-to-understand fee structure. In this section, we will outline the key fees and rates associated with the card.

Annual Fee:

  • No annual fee

APR and Interest Rates:

APR Type Rate
Purchases Variable, based on your credit score and other factors
Balance Transfers Variable, based on your credit score and other factors
Cash Advances Higher variable rate than purchases and balance transfers
Penalty APR May apply in certain situations, such as late payments


  • Balance Transfer Fee: Either a flat fee or a percentage of the transferred amount, whichever is greater
  • Cash Advance Fee: Either a flat fee or a percentage of the cash advance, whichever is greater
  • Foreign Transaction Fee: A percentage of each transaction in U.S. dollars
  • Late Payment Fee: Up to a certain amount, varies depending on payment history and balances
  • Returned Payment Fee: A flat fee for each returned payment

Be sure to review the cardmember agreement and terms and conditions for complete fee and rate information as they can change over time or be subject to additional terms.

Pros and Cons

The Instacart Mastercard offers various benefits for users who frequently use grocery delivery services. Here is a list of pros and cons to help you better evaluate this credit card:


  • 5% cash back on Instacart purchases, making it an excellent choice for those who rely heavily on grocery delivery services.
  • No annual fee, which is a significant advantage over other rewards credit cards that often charge annual fees.
  • Competitive cash back rates on other categories, providing versatility for cardholders’ spending habits.
  • An easy-to-use mobile app that allows users to track their cash back rewards and manage their account.


  • Limited value for those who do not use Instacart frequently, due to the card’s high rewards rate focused on grocery delivery.
  • Potential for lower cash back rates with other credit cards in certain spending categories, depending on cardholder behavior and preferences.
  • Less useful for individuals living in areas where Instacart services are not available or less accessible.

When evaluating the Instacart Mastercard, it’s essential to consider your unique spending habits and grocery delivery preferences to determine if it’s the right choice for you.


The Instacart Mastercard is an excellent option for those who frequently use Instacart for grocery delivery. With a 5% cashback rate on Instacart app and purchases, cardholders can save a significant amount on their groceries without any annual fee.

Aside from the Instacart benefits, this card also offers cashback in rotating quarterly categories, and at restaurants, drugstores, and other purchases, making it a versatile option for everyday spending. It is important to consider your specific needs and spending habits when choosing a credit card, but for frequent Instacart users, this card is certainly worth consideration.

While there are other grocery credit cards in the market, the Instacart Mastercard stands out due to its unique rewards structure specifically designed for Instacart users. So, if grocery delivery is a regular part of your shopping routine, this card may help you maximize your savings on this specific service.

In sum, the Instacart Mastercard is a valuable addition to the wallet of those who prioritize grocery delivery and want to earn generous rewards for their Instacart purchases. By weighing the benefits and features against your individual needs, you can determine if this card aligns with your financial goals and lifestyle.

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