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With cash back on Instacart orders, dining, gas, and travel, this card is tailored to maximize value for frequent shoppers and busy lifestyles.
Disclaimer: You will be redirected to the official website.
Benefits of Instacart Mastercard
- 5% Cash Back: Earn on Instacart purchases and travel booked through Chase Travel Center.
- 2% Cash Back: Earn on restaurants, gas stations, and select streaming services.
- 1% Cash Back: Earn on all other purchases.
- Complimentary Instacart+ Membership: Enjoy free delivery and reduced fees for the first year.
- No Annual Fee: Access all benefits with no yearly charge.
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Pros
- High cash back rates on Instacart and travel purchases.
- No annual fee, making it accessible and cost-effective.
- Instacart+ membership, valued at $99, included for the first year.
- Flexible redemption options with no minimum redemption amount.
- Wide earning categories, including gas, dining, and streaming services.
Cons
- Rewards focus on Instacart users, limiting value for in-store shoppers.
- Travel rewards restricted to bookings through Chase Travel Center.
- No introductory APR offers for purchases or balance transfers.
- Limited travel perks, such as lounge access or travel insurance.
- Optimal value tied to Instacart+, which renews at $99 after the first year.
about the card
The Instacart Mastercard® is tailored for users who want to maximize rewards on grocery deliveries and related purchases. With 5% cash back on Instacart purchases and Chase Travel Center bookings, it provides substantial value for frequent shoppers and travelers. Additionally, the 2% cash back on restaurants, gas stations, and streaming services ensures you earn rewards across diverse spending categories, making it a versatile option for everyday use.
One of the standout features of this card is the complimentary Instacart+ membership for the first year. This membership offers benefits like free delivery on orders over $35 and reduced service fees, providing significant savings for regular Instacart users. The card’s no annual fee structure further enhances its appeal, ensuring that users can enjoy its rewards and benefits without added costs.
While the card’s primary value lies in its Instacart rewards, its inclusion of dining and gas categories broadens its usability. The Instacart Mastercard® is particularly suited for individuals who frequently use grocery delivery services and want to save on everyday purchases. For dedicated Instacart users, it offers an affordable and rewarding way to enhance their shopping experience.
How to Apply for instacard mastercard
- Visit the Chase Website: Navigate to the official card page.
- Review Card Features: Ensure the card aligns with your spending habits and goals.
- Complete the Application: Enter your personal, financial, and employment details.
- Submit Your Application: Verify your information and apply online.
- Await Approval: Chase typically provides instant decisions for eligible applicants.
Disclaimer: You will be redirected to the official website.
Complimentary instacart+ membership
New cardholders receive a free year of Instacart+ membership, which includes free delivery on orders over $35 and reduced service fees. This perk adds significant value for regular users of the Instacart service, enhancing savings and convenience.
Benefits Breakdown
| Feature | Details |
|---|---|
| Rewards Rate | 5% on Instacart and Chase Travel Center; 2% on dining, gas, and streaming services; 1% on other purchases |
| Annual Fee | $0 |
| Sign-Up Bonus | $50 Instacart credit automatically upon approval |
| Instacart+ Membership | Complimentary for the first year, valued at $99 |
| Foreign Transaction Fee | None |
| Redemption Options | Statement credits, direct deposit, or Instacart purchases |
FLEXIBLE CASHBACK REDEMPTION
The card allows users to redeem their cashback rewards with no minimum redemption amount. Cashback can be applied as a statement credit, direct deposit, or even used to pay for future Instacart purchases.
How to Improve Your Credit Score to Get Approved for the INSTACART MASTERCARd
The Instacart Mastercard® is an excellent tool for maintaining or improving your credit score when used responsibly. Here are some tips:
- Pay On Time: Always make payments by the due date to maintain a strong payment history.
- Use the Card Regularly: Consistent use, particularly in high-earning categories, can help demonstrate responsible credit usage.
- Monitor Your Credit Score: Use Chase’s free credit monitoring tools to track your progress.
- Keep Credit Utilization Low: Spend less than 30% of your credit limit to improve your utilization ratio.
- Pay Balances in Full: Avoid carrying a balance to eliminate interest charges and maintain financial health.
By following these steps, you can steadily improve your credit score and unlock access to better financial products.
FINAL CONSIDERATIONS
The Instacart Mastercard® is an excellent choice for individuals who regularly use Instacart and want to earn rewards on their grocery deliveries and other purchases. Its 5% cashback rate on Instacart purchases, combined with a complimentary year of Instacart+ membership, provides significant savings and value for frequent users. The no annual fee structure further enhances its affordability, making it a practical option for a wide range of shoppers.
While the card’s rewards are heavily tied to Instacart, the 2% cashback categories on dining, gas stations, and streaming services expand its usability, making it versatile for everyday spending. However, the card may be less appealing to those who prefer in-store grocery shopping or don’t use Instacart regularly.
For avid Instacart users, the Instacart Mastercard® delivers substantial rewards and perks, making it a valuable addition to your wallet. Its straightforward rewards structure and exclusive benefits ensure that you save more while shopping conveniently online. Whether you’re planning your next grocery delivery or dining out, this card is designed to make your spending more rewarding.