The best credit card for Instacart
At Instacart, Chase Sapphire Preferred earns the most: $6.00 per $100.
Instacart rings up as grocery delivery — May code as a delivery service rather than a supermarket.
The short version
- Use: Chase Sapphire Preferred, if you carry it.
- Why Instacart has its own page: at least one card pays a bonus that names this store, which a ranking of the whole category cannot show.
- Elsewhere in grocery delivery: Blue Business Plus leads — the full ranking.
| # | Card | EarnsThe rate the card advertises here, in its own currency: cash back, points or miles. | per $100What $100 of spending earns, in dollars: the rate multiplied by what the currency is worth. This is what the table is ranked by. |
|---|---|---|---|
| 1 |
Chase, $95/yr
Online grocery orders only (e.g. Instacart) — in-store trips, Target, Walmart and wholesale clubs don't qualify |
3x | $6.00 |
| 2 |
Chase, No annual fee
Directly through Instacart, first $6,000 a year. Up to $6,000 per year, then the base rate |
5% | $5.00 |
| 3 |
American Express, No annual fee
2x on every purchase, with no bonus categories to track. Up to $50,000 per year, then the base rate |
2x | $4.00 |
| 4 |
Capital One, $95/yr
Base rate — no bonus applies here |
2x | $3.60 |
| 5 |
Capital One, $395/yr
Base rate — no bonus applies here |
2x | $3.60 |
| 6 |
Robinhood, $50/yr
Base rate — no bonus applies here |
3% | $3.00 |
| 7 |
Citi, No annual fee
Grocery stores, including grocery delivery services |
2x | $2.90 |
| 8 |
Citi, $595/yr
Base rate — no bonus applies here |
1.5x | $2.40 |
No rotating categories switched on, and no travel-portal rates — the method.
Cards with a rate that names Instacart
- Chase Sapphire Preferred — 3x at Instacart. Online grocery orders only (e.g. Instacart) — in-store trips, Target, Walmart and wholesale clubs don't qualify
- Chase Instacart Mastercard — 5% at Instacart; Up to $6,000 per year, then the base rate. Directly through Instacart, first $6,000 a year
Before you pay
A shopping portal and a card-linked offer can both pay on top of whichever card you use here — and the portal has to be started before you shop. How the three stack, and in what order.