Instacart Mastercard®
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How we calculate effective rate →
The Instacart Mastercard® from Chase earns up to 2% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2% back.
What does the Instacart Mastercard earn in each category?
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Instacart Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight music and audio at 2x among the top.
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Instacart Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 2% back | 2% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Instacart Mastercard reward caps and conditions?
The Instacart Mastercard has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 2% cash back at restaurants
- 2% cash back at gas stations
- 2% cash back on select streaming services
Who should get the Instacart Mastercard?
The Instacart Mastercard fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back.
Instacart Mastercard fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2% effective (2% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Multiple caps, activations, or exclusions may limit headline earn rates.
Does the Instacart Mastercard have an annual fee?
The Instacart Mastercard has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Instacart Mastercard?
The Instacart Mastercard includes Auto Rental Coverage, Baggage Delay Insurance, Extended Warranty Protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty Protection
$10,000/yrExtends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
Purchase Protection
$10,000/yrCovers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Lost Luggage Reimbursement
$3,000/yrIf you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Travel Accident Insurance
$3,000/yrWhen you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000.
Lyft
$1,440/yrMore rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
Baggage Delay Insurance
$300/yrReimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
World Elite® Concierge
$150/yrA complimentary 24/7 concierge service that acts as a relentless personal assistant. Reserve that perfect table, locate hard-to-find items and more.
World Elite Concierge
$150/yrComplimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
Priority Pass
$99/yrGet access to 1,700+ airport lounges worldwide and special offers and discounts in the terminal on dining, retail and spa experiences.
Roadside Assistance
$50/yrIf you have a roadside emergency, call the Benefit Administrator to dispatch the help you need. Roadside service fees will be billed to your card.
Related encyclopedia topics
Common questions about the Instacart Mastercard
Where do cardholders spend most with the Instacart Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on music and audio (2x), tv and movies (2x), coffee (2x) for the Instacart Mastercard. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is the Instacart Mastercard worth it?
The Instacart Mastercard® from Chase earns up to 2% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
What credit score is needed for Instacart Mastercard?
Madeen's catalog lists a typical credit range of Good to Excellent for the Instacart Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Does the Instacart Mastercard have an annual fee?
The Instacart Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Instacart Mastercard?
Dining is the strongest Madeen category for the Instacart Mastercard at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Instacart Mastercard charge foreign transaction fees?
The Instacart Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
How does the Instacart Mastercard compare to similar cards?
Compare the Instacart Mastercard against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Instacart Mastercard This card | Dining | 2% | $0 |
| Dining | 4.5% | $95 | |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure