Instacart Mastercard
By Alex Compton · Last verified
5% back on grocery delivery for households that live on Instacart.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-10 · spot an outdated offer? Report a correction above.
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Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 5xInstacart purchases and Chase Travel
- 2xRestaurants, gas stations and select streaming
- 1xAll other purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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