Chase · Mastercard · Personal
Instacart
A no-annual-fee card earning cash back: 5× on 3 categories, 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- $50Cash bonus
- Top rate
- 5×3 categories
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus cash | $50 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $50 | $0 |
Bonus terms: Get a $50 Instacart credit automatically upon approval.
Earning structure
8 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Airfare (Portal) | 5× | $5.00 | |
| Car Rentals (Portal) | 5× | $5.00 | |
Specified Store(s) NotesOn Instacart.com and Instacart app purchases on over 750 retailers delivering from more than 70,000 stores across 5,500 cities. | 5× | $5.00 | |
| Dining | 2× | $2.00 | |
| Gas Stations | 2× | $2.00 | |
| Hotels (Portal) | 2× | $2.00 | |
| Streaming Services | 2× | $2.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Mastercard
- Bank
- Chase
- Point system
- Cash back
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Application rules3
- 5/24
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
- Chase 2/30
You'll be declined if you apply for a third Chase card of any kind within 30 days.
- Chase 4/6
Chase will decline your application if you apply for a 5th Chase card (personal or business) in 6 months.
Alternatives
Head to head with similar cards
 Instacart |  Amazon |  Chase Freedom Flex |  Bank of America Travel Rewards | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $0Same | $0Same |
| Signup bonus | $50 | $50 | $200 | 25,000 pts |
| Top rate | 5×3 categories | 3×4 categories | 5×6 categories | 3×3 categories |
| Travel value * | –Cash back | –Cash back | 1.85¢Ultimate Rewards | 1¢Travel Rewards |
| Why it’s here | This card | Also no annual fee | Also no annual fee | Also no annual fee |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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