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 | Earns | per $100 |
|---|---|---|---|
| 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 |
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 |
| 3 |
Capital One · $95/yr
Base rate — no bonus applies here |
2x | $3.60 |
| 4 |
Capital One · $395/yr
Base rate — no bonus applies here |
2x | $3.60 |
| 5 |
Citi · No annual fee
Base rate — no bonus applies here |
2x | $3.20 |
| 6 |
Chase · No annual fee
Base rate — no bonus applies here |
1.5x | $3.00 |
| 7 |
Chase · No annual fee
Base rate — no bonus applies here |
1.5x | $3.00 |
| 8 |
Robinhood · $50/yr
Base rate — no bonus applies here |
3% | $3.00 |
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
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.
At the Instacart checkout, it tells you.
Cardful recognises the store and ranks the cards you carry, on the page.