Instacart Mastercard
No annual fee · 1% on everything else · no foreign transaction fees
Earn rates
| 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?
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.
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.