Best credit card for Instacart
Instacart has its own Chase Mastercard, with a rate that applies to Instacart orders. Most grocery bonuses on other cards are written for supermarkets, and whether an Instacart order counts varies by card, so this page ranks only rates that name Instacart.
Only one card in our database pays a bonus that applies at Instacart — Instacart Mastercard at 5.0¢ per dollar. Everything else earns its base rate, where Capital One Venture Business leads at 2.6¢.
Updated 2026-09-16
Cards with a bonus that applies at Instacart
Ranked by real value — the printed rate multiplied by our conservative value for the currency it pays, so a big multiplier in a weak currency can't win on the number alone. The "what the rate covers" column is the issuer's own printed wording, because that is what decides whether the bonus reaches this merchant at all.
| # | Card | Value | Rate | What the rate covers | Cap | Fee |
|---|---|---|---|---|---|---|
| 1 | Instacart Mastercard Chase |
5.0¢/$ | 5% | Instacart only: qualifying purchases made directly on Instacart.com or the Instacart app, including Instacart+… | first $6,000/year | $0 |
The best flat-rate cards for Instacart
General-purpose cards ranked by the real value of the rate they pay on everything — what Instacart earns when no bonus category applies. Store cards and single-retailer cobrands are excluded here: rewards you can only spend at one chain can't answer "what should the rest of my spending go on?"
| # | Card | Base value | Base rate | Fee |
|---|---|---|---|---|
| 1 | Capital One Venture Business Capital One · business |
2.6¢/$ | 2x | $95 |
| 2 | Capital One Venture Rewards Capital One |
2.6¢/$ | 2x | $95 |
| 3 | Capital One Venture X Business Capital One · business |
2.6¢/$ | 2x | $395 |
| 4 | Capital One Venture X Capital One |
2.6¢/$ | 2x | $395 |
| 5 | Citi Double Cash® Card Citi |
2.0¢/$ | 2% | $0 |
| 6 | U.S. Bank Smartly Visa Signature Card U.S. Bank |
2.0¢/$ | 2% | $0 |
| 7 | Fidelity Rewards Visa Signature Elan Financial Services |
2.0¢/$ | 2% | $0 |
| 8 | Wells Fargo Active Cash Wells Fargo |
2.0¢/$ | 2% | $0 |
| 9 | Apple Card Goldman Sachs |
2.0¢/$ | 2% | $0 |
| 10 | Capital One Spark Cash (Spark 2% Cash) Capital One · business |
2.0¢/$ | 2% | $95 |
The Instacart card's top rate is for Instacart only
The Instacart Mastercard's best rate applies to qualifying purchases made directly on Instacart. It is not a general grocery rate: at a supermarket checkout the card earns its lower rates instead, which the table above shows alongside flat-rate cards.
Why a supermarket bonus may not count
Grocery bonuses are usually tied to how the merchant is coded, and a delivery service is not always coded as a supermarket. Rather than assume it counts, this page leaves other cards' grocery rates out of the Instacart ranking. Check your own card's terms before relying on one.
The honest caveat
Merchant coding is set by the payment networks, not by us: a store can change how it codes, a franchise can code differently from a corporate location, and an issuer can revise its exclusions without announcing it. Everything above comes from the printed terms in our maintained database, valued at our conservative point values — but the only way to know what a specific card pays on your charges is to score them. That is exactly what the optimizer does.
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
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