Instacart Mastercard
ChaseNo annual feeWorld Elite MastercardNo foreign transaction feeIssuer's page
The welcome offer is too small to apply for on its own.
Already have it? Keep it.
Welcome bonus
$50
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus$50 cash | $50 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Annual fee | $0 |
| First year | $50 |
| Each year after | +$125 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2% | Dining | 2% |
| 2% | Gas Stations | 2% |
| 5% | Travel booked through Chase Travel | 5% |
| 2% | Select streaming services | 2% |
| 1% | Everything else | 1% |
+ 1 more rate
| Rate | Category | Return |
|---|---|---|
| 5% | Instacart app and Instacart.com purchaseson first $6K spent annually | 5% |
Personal card · Earns Cash Back
Benefits
Protections (7)
- Travel Accident Insurance, up to $500,000, Up to $500,000 for death/dismemberment on common carrier
- Lost Baggage, up to $3,000, Up to $3,000 per passenger for lost, damaged, or stolen checked or carry-on baggage
- Baggage Delay, up to $300, Up to $100 per day for 3 days for essential purchases when bags delayed 6+ hours
- Purchase Protection, up to $500, 120 days coverage for theft/damage up to $500 per claim, $50,000 per account
- Extended Warranty, up to $10,000, Extends manufacturer's warranty by 1 year (max 3 years original)
- Auto Rental Collision Damage Waiver (secondary), Secondary coverage up to $50,000
- Roadside Assistance, up to $50, Up to $50 per incident, max 2 gallon fill up, 4 times per year
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Instacart CardOct 8, 2026
- changed from null to 0Aug 13, 2026