Instacart Mastercard®
Basic Information
Program ID: instacart-mastercard
Issuer: Chase
Card Type: Credit
Network: Mastercard
Card Tier: World Elite
Data Complete: Yes
Created: 01/07/2026 18:01
Last Scraped: 01/15/2026 07:37
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| 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
Purchase APR Range: 2,124.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 2,999.00%
Intro BT APR: 0.00%
Intro BT Duration: 12 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $300.00
Spending Requirement: $5,000.00
Time Period: 90 days
Bonus 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.
Rewards Program
Reward Type: Ultimate Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Instacart, 5x Chase Travel, 2x Restaurants, 2x Gas Stations, 2x Select Streaming Services
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: None (This card does not allow direct transfers to airline/hotel partners)
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: 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.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Chase cards, excessive credit cycling, sudden large deposits/withdrawals inconsistent with income, applying for too much credit too quickly, not using the card for its intended purpose (e.g., only for bonus spend then dormant), repeated product changes to avoid annual fees.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
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 Feedback:
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 Score: 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
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 40% Store / 60% General
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0
Last Updated: 05/16/2024 00:00