Instacart Mastercard
No annual fee · 1% on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Dining | 2% | uncapped |
| Gas | 2% | uncapped |
| Streaming | 2% | uncapped |
| Everything else | 1% | uncapped |
| Groceries at Instacart only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
5% | on the first $6,000/year |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
5% | uncapped |
See how it ranks: best dining cards · best gas cards · best streaming cards.
Non-cash perks
- No foreign transaction fees
- World Elite Mastercard Concierge (complimentary 24/7 concierge; cardmember pays for goods/services purchased)
- Baggage Delay Insurance ($100/day for up to 3 days, delay over 6 hours)
- Extended Warranty Protection (adds 1 year to eligible U.S. warranties of 3 years or less)
- Purchase Protection (120 days, up to $500/item; 90 days for NY residents)
- Lost Luggage Reimbursement (up to $3,000 per covered traveler)
- Travel and Emergency Assistance
- Travel Accident Insurance (up to $500,000 AD&D when transportation fare is charged to the card)
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who doesn't spend at Instacart. Its largest printed rate, 5% on groceries, pays only at Instacart. Anywhere else it earns its base 1%, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
Compared head-to-head
More from Chase
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 →
Verified 2026-09-03 against issuer terms · sources: creditcards.chase.com · creditcards.chase.com. Spot an error? Tell us.