0
Benefits0
Reward Categories—
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: Ultimate Rewards Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x Instacart, 5x Chase Travel, 2x Restaurants, 2x Gas Stations, 2x Select Streaming Services
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: Points do not expire as long as account is active and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Transfer Partners: None (This card does not allow direct transfers to airline/hotel partners)
Redemption Penalties: None
Benefits & Protections (Detailed)
No Card Benefits Available
Click "Get Data" button below to fetch card benefits for this card.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $0
TSA PreCheck Credit: $0
Sign-Up Bonus
PENDING$300
Cash BackRequirement: Spend $5,000 in 90 days
Timing: The $100 Instacart credit is instant upon approval. The additional $200 Instacart credit typically posts within 6-8 weeks after the spending requirement is met.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $0.50 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.99%
Balance Transfer APR: 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 12 months
Intro BT APR: 0% for 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: To be eligible for the Instacart Mastercard, applicants must adhere to Chase's 5/24 rule, meaning they cannot have opened 5 or more personal credit cards across all issuers in the past 24 months. Additionally, applicants are generally not eligible for the sign-up bonus if they currently have the Instacart Mastercard or have received a new cardmember bonus for this specific card in the past 24 months. A typical sign-up bonus for 2026 is projected to be a $200 Instacart credit after spending $1,000 on purchases in the first 3 months from account opening.
Max Cards Per Issuer: 7
Min Spend Interval: 3 months
Cliff Effect Rules: While there are no direct 'family' rules like the Chase Sapphire 48-month rule for the Instacart Mastercard, general Chase bonus eligibility rules apply. This typically means you cannot receive the sign-up bonus if you currently have the Instacart Mastercard or have received a bonus for it in the past 24 months. The Chase 5/24 rule acts as a primary gatekeeper for all new Chase credit card applications.
Special Events: Not applicable for a co-branded delivery service card.
Holiday Promos: Variable, depends on Instacart and Chase marketing initiatives, often tied to major shopping holidays or Instacart-specific promotions.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.0 / 5.0
Top Positive:
Excellent rewards on Instacart, dining, streaming, and select travel, coupled with a valuable Instacart+ membership and no annual fee, making it great for frequent Instacart users.
Top Negative:
Limited rewards outside bonus categories, strict approval requirements (e.g., Chase 5/24 rule), and potential issues with Instacart+ benefits, with some bonus rates being temporary.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Chase Freedom Unlimited
- Citi Custom Cash Card
Card Value Score: 88.0 / 100
Est. Annual Rewards: $400.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0
Last Updated: May 16, 2024 00:00