Chase Instacart Mastercard
Chase · Mastercard · no annual fee · earns cash back.
Rates checked against the issuer 2026-10. Foreign transaction fee: none.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $323, with no fee to pay.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $323 a year on the illustrative household's spending, which puts it number 39 of 46 the no-fee cards in the catalogue. All of them, ranked.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Grocery Delivery | 5% | Instacart only · Up to $6,000 per year, then the base rate · Directly through Instacart, first $6,000 a year |
| Flights, Hotels, Car Rental, Vacation Rentals | 5% | Only through the issuer's travel portal · Booked through Chase Travel |
| Gas Stations, Restaurants & Bars, Food Delivery, Streaming | 2% | Gas stations, restaurants including takeout and eligible delivery, and select streaming |
| Everything else | 1% |
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Restaurants & Bars | $72 |
| Groceries | $60 |
| Everything Else | $60 |
| Gas Stations | $36 |
| Online Shopping | $18 |
| Utilities | $18 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- No foreign transaction fees
Similar cards
- Wells Fargo Active Cash — annual fee none
- U.S. Bank Altitude Connect — annual fee none
- U.S. Bank Altitude Go — annual fee none
- Amazon Visa — annual fee none
- Every cash back card, ranked
- The best two- and three-card combinations
Point values: published industry valuations. How every number here is worked out.