Instacart Mastercard
By Alex Compton · Last verified
5% back on grocery delivery for households that live on Instacart.
Welcome Bonus
$50
≈$50 value
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Current offer note: $50 Instacart credit upon approval, plus a free year of Instacart+
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Consider waitingThis card has offered $300 before; the current $50 is below its typical $100. Elevated offers have been rare lately, so waiting is a gamble.
Current offer
$50
All-time high
$300
Typical offer
$100
In place since
January 2026
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
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Earning Rates
- 5xInstacart purchases and Chase Travel
- 2xRestaurants, gas stations and select streaming
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Free year of Instacart+ membership, $99 value
- ✦Cash back lands as Instacart credit or statement credit
- ✦World Elite Mastercard benefits
Why it earns its spot
- +5% on grocery delivery is unmatched for heavy Instacart users
- +Free Instacart+ year covers delivery fees
Where it costs you
- −Chase has quietly de-emphasized this card, current $50 bonus is a shadow of the old $300
- −Worthless if you shop groceries in person
- −Instacart+ auto-renews at $99 after the free year
The Compound Verdict
A single-purpose card whose welcome offer keeps shrinking, which tells you where Chase's enthusiasm sits. If Instacart is a weekly habit the 5% still earns its slot in your wallet. Everyone else should pass without a second look.
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