The Instacart Mastercard is a co-branded credit card issued by JPMorgan Chase Bank, N.A. Member FDIC. To apply, please visit

Card benefits

  • No annual fee
  • No foreign transaction fees
  • 5% cash back on Instacart app and purchases (excluding restaurant orders on Instacart powered by Uber Eats)
  • 5% cash back on travel purchased through the Chase Travel Center
  • 2% cash back at restaurants (including restaurant orders on Instacart powered by Uber Eats), gas stations, and on select streaming services
  • 1% cash back on all other purchases
  • Unlimited earning (no earning caps)

Additional benefits—

  • World Elite® Mastercard benefits, including complimentary 24/7 concierge service
  • Auto Rental Collision Damage Waiver 
  • Purchase Protection 
  • Extended Warranty Protection 
  • Baggage Delay Insurance 
  • Lost Luggage Reimbursement 
  • Roadside Assistance 
  • Travel Accident Insurance 
  • Travel and Emergency Assistance Services 

This credit card and offer are available to you if you do not currently have the Instacart Mastercard. You must have an Instacart account in order to apply for the card. If you don’t have one already, you’ll be prompted to create an account during the application. 

Review the complete list of Instacart Mastercard benefits by visiting  Terms apply.

Reward redemption options

New Instacart Mastercard cardmembers can choose how they want to redeem cash back rewards they’ve earned on everyday purchases. Cardmembers can choose from the following options—

  • Cash back
    • Direct deposit or a statement credit
  • Travel
    • Choose from flights, hotels, car rentals, and cruises
  • Instacart purchases
    • Pay with Points lets you use points you earn with your Instacart Mastercard to pay for all or part of your purchase in the Instacart app or at (excludes restaurant orders on Instacart powered by Uber Eats)

For questions about specific benefits, your Chase points balance, or your application status, reach out directly to Chase at 1-800-232-3114.

Terms and conditions

To view complete terms and conditions, go to