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 on approval; the product page no longer advertises a free Instacart+ year
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 $75. Elevated offers have been rare lately, so waiting is a gamble.
Current offer
$50
All-time high
$300
Typical offer
$75
In place since
January 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $50 | No recorded spend | Terms reconfirmed$50 Instacart credit on approval; the product page no longer advertises a free Instacart+ year | Chase Instacart Mastercard product page (rendered) → |
| 2026-01 | $50 | No recorded spend | Bonus decreased: $300 → $50$50 Instacart credit upon approval | Archive record · no attached snapshot |
| 2023-02 | $300 | No recorded spend | Bonus increased: $100 → $300$300 Instacart credit, all-time high | Archive record · no attached snapshot |
| 2022-07 | $100 | No recorded spend | Earliest recordLaunch: $100 Instacart credit + free year of Instacart+ | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
$50 credit on approval confirmed; free Instacart+ year no longer advertised; 5% Instacart now capped at $6k/yr
Fields: earningRates, benefits
Chase Instacart Mastercard product page (rendered) →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
Embed this chart on your site (free, with attribution)
Bloggers and journalists: paste this snippet to embed the live, auto-updating bonus history chart. Attribution to Credit Compound is included in the widget.
Earning Rates
- 5xInstacart purchasesFirst $6,000 spent each year
- 5xChase Travel
- 2xRestaurants, gas stations and select streaming
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦$50 Instacart credit loaded on approval
- ✦Cash back lands as Instacart credit or statement credit
- ✦No foreign transaction fees
Why it earns its spot
- +5% on grocery delivery is unmatched for heavy Instacart users
- +No annual fee and no foreign transaction fees
Where it costs you
- −Chase has quietly de-emphasized this card, current $50 bonus is a shadow of the old $300
- −5% Instacart earn is capped at $6,000 a year
- −Worthless if you shop groceries in person
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.
Rate this card
Be the first to rate it
Commentson Instacart MC
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.