Instacart Mastercard®

Quick Snapshot

• Annual Fee: $0
• APR: 20.49%-28.49% variable
• Rewards: 5% on Instacart, 2% gas/dining/streaming, 1% everything else
• Bonus: None
• Best For: Frequent Instacart users who want maximum savings on grocery delivery
• Credit Needed: Good to Excellent (670+)

Overview

The Instacart Mastercard is a no-annual-fee credit card designed for the growing number of households that rely on Instacart for grocery delivery. Earning 5% back on all Instacart purchases, 2% on gas, dining, and streaming services, and 1% on everything else, it converts your grocery delivery habit into meaningful cash back savings.

While the card lacks a traditional welcome bonus, it compensates with a strong everyday earning structure and Instacart-specific perks. Cardmembers receive complimentary Instacart+ membership benefits for 12 months, which normally costs $99 per year and includes free delivery on orders over $35, reduced service fees, and exclusive discounts. This effectively serves as a first-year bonus worth $99.

The 2% categories covering gas, dining, and streaming services make the Instacart Mastercard a capable secondary card for everyday spending. For households that order through Instacart weekly, the 5% rate generates substantial annual savings. Combined with the free Instacart+ benefits, no annual fee, and solid 2% everyday categories, this card fills a niche that no other card targets as directly.

APR Breakdown

• Purchase APR: 20.49%-28.49% variable
• Balance Transfer APR: 20.49%-28.49% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: None

Note: Your APR will vary with the market based on the Prime Rate. There is no penalty APR, but a late payment fee may apply.

Benefits Overview

Instacart Rewards

• 5% back on all Instacart orders including groceries, household items, and alcohol
• Complimentary Instacart+ membership for the first 12 months ($99 value)
• Free delivery on Instacart orders over $35 with Instacart+
• Reduced service fees on all Instacart orders with Instacart+
• No caps on the 5% Instacart earning rate

Everyday Categories

• 2% back at gas stations
• 2% back on dining at restaurants including delivery
• 2% back on streaming services like Netflix, Spotify, and Hulu
• 1% back on all other purchases

Cardholder Benefits

• No annual fee
• No foreign transaction fees
• Zero liability on unauthorized purchases
• Mastercard World benefits including price protection and extended warranty

Rewards & Points

• 5% back on all Instacart purchases
• 2% back on gas, dining, and streaming services
• 1% back on all other purchases

Cash back is earned as a percentage and can be redeemed as a statement credit or applied to future Instacart orders. The Instacart+ membership included for 12 months provides free delivery on orders over $35 and reduced service fees, adding approximately $99 in value the first year.

Welcome Bonus

There is no traditional spending-based welcome bonus. However, new cardmembers receive complimentary Instacart+ membership for 12 months, valued at $99 per year. Instacart+ includes free delivery on orders over $35, reduced service fees, and exclusive member pricing on select items.

Fees Summary

• Annual Fee: $0
• Balance Transfer Fee: 5% (min $5)
• Cash Advance Fee: 5% (min $10)
• Foreign Transaction Fee: $0
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Weekly Instacart users who order groceries through Instacart regularly and want 5% back
• Delivery-first households who prefer grocery delivery over in-store shopping and want to maximize savings
• Streaming subscribers who pay for multiple streaming services and want 2% back on each
• Gas and dining spenders who want 2% on fuel and restaurants alongside their Instacart rewards

Not Good For

• In-store grocery shoppers who buy groceries at physical stores and would not benefit from the 5% Instacart rate
• Bonus seekers who want a substantial welcome bonus for signing up
• Travel rewards enthusiasts who prefer airline miles or hotel points over cash back

Key Pros & Cons

Pros

• 5% back on all Instacart orders is the highest rate available for grocery delivery
• Complimentary Instacart+ membership for 12 months ($99 value)
• No annual fee makes it free to hold indefinitely
• 2% on gas, dining, and streaming covers common everyday spending
• No caps on the 5% Instacart earning rate
• No foreign transaction fees
• Free delivery on Instacart orders over $35 with Instacart+
• Mastercard World benefits including price protection
• Simple cash back with easy redemption

Cons

• No welcome bonus beyond the Instacart+ membership
• 5% rate is only valuable if you use Instacart regularly
• 1% base rate on non-bonus spending is low
• No travel benefits, lounge access, or trip insurance
• No 0% intro APR offer for purchases or balance transfers
• Instacart+ reverts to paid subscription after 12 months
• No grocery bonus for in-store purchases at supermarkets
• Limited to Instacart for the premium 5% category

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

Total estimated first-year value: $591 including the $99 Instacart+ membership value. Based on $100/week in Instacart orders. Ongoing annual value is approximately $492 after the Instacart+ benefit expires.

Should You Get This Card?

You Should Get It If...

• You order through Instacart weekly and want 5% back on every delivery
• You want a free Instacart+ membership to save on delivery and service fees
• You spend on gas, dining, and streaming and want 2% back on all three
• You want a no-annual-fee card focused on modern grocery delivery habits
• You prefer cash back simplicity over travel points complexity

You Should Skip It If...

• You shop for groceries in person at physical stores
• You want a substantial welcome bonus for signing up
• You do not use Instacart regularly enough to benefit from the 5% rate
• You prefer travel rewards or transferable points
• You want a card with 0% intro APR for a large purchase

Apply Now

Apply for Instacart Mastercard®

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.