THE CARDTUNED DATABASE
Instacart Mastercard
Issuer: Chase · Network: Mastercard
5% qualifying Instacart purchases on first $6,000 annually; 5% Chase Travel; 2% restaurants, gas stations and select streaming; 1% other
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- No public introductory APR listed; promotional terms, if any, are disclosed in the application.
- Regular APR
- 18.24%–27.74% variable
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
$50 Instacart credit automatically upon approval (verified Sep. 1, 2026)
- Spending requirement
- No spend required
- Time window
- Upon approval
Offer last checked: 2026-09-04
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 5% | qualifying Instacart purchases on first $6,000 annually |
| Travel | 5% | Chase Travel |
| Dining & Gas & Streaming | 2% | restaurants, gas stations and select streaming |
| Other purchases | 1% | other |
Restrictions to know
5% Instacart rate applies to the first $6,000 in qualifying Instacart purchases annually
Who can apply
U.S. applicant of legal age; subject to Chase credit approval, identity and income verification, and current product/application rules.
Credit profile: Not Public / issuer underwriting applies