This card is built for regular Instacart users who want a simple way to earn more on grocery delivery without paying an annual fee. It works best as a specialist card for Instacart orders and a few everyday categories, not as a primary card for all spending.
All information about Instacart Master has been collected independently by MaxRewards. Instacart Master is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Instacart grocery orders
Dining, gas, and streaming spend
No-fee backup travel card
If you order through Instacart often, this card is easy to like. The 5% back on Instacart is the clear reason to carry it, and the $0 annual fee means you do not need to squeeze extra value from credits or premium perks to justify keeping it. The 2% categories on dining, gas, and streaming add a little extra usefulness, and 5% on travel booked through Chase Travel can be helpful if you already use that portal.
For most readers, though, this is not the card to use everywhere. Outside its bonus categories, it earns just 1%, and the rewards are tied to Instacart points rather than a more flexible cash back or travel points program. That makes it a good fit for households that already spend consistently with Instacart, but a limited choice if your goal is one card for broad everyday spending.
This card makes the most sense for someone who uses Instacart regularly and wants no-fee rewards tied to that habit. If Instacart is only occasional for you, the card's narrow rewards value will likely leave it on the sidelines.
Welcome Offer
after you spend $1 on purchases on your new card in your first 1 months of card membership.
Est. Value
$0.50
Required Spend
$1
Time Frame
1 Month
Est. Value
$0.50
Required Spend
$1
Time Frame
1 Month
Earning
The rewards setup is straightforward: the card leans heavily into Instacart purchases, with a few solid everyday bonus categories and standard 1% back elsewhere. Think of it as a card that rewards a specific shopping pattern rather than a general-purpose earner.
Air Travel (chase.com/travel)
Car Rental (chase.com/travel)
Cruise (chase.com/travel)
Entertainment (chase.com/travel)
Hotel (chase.com/travel)
Instacart
Dining
Gas
Streaming
Everywhere
Rewards percent based on a valuation of 1¢ per Instacart point
Benefits
Baggage Delay Insurance
Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
Extended Warranty Protection
Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
Roadside Assistance
If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at the time of dispatch.
Travel Accident Insurance
When you pay for your air, bus, train, or cruise transportation with your card, you are eligible to receive up to $500,000 in accidental death or dismemberment coverage.
Eligibility
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$0
Purchase APR
18.24% - 27.74%
Variable
Transfer APR
18.24% - 27.74%
Variable
Cash Advance APR
28.49%
Variable
Foreign Transaction Fee
None
Balance Transfer
$5
Cash Advance
$10
Late Payment
$40
Return Payment
$40
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn 200,000 bonus points
Worth $2,500
After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
Annual Fee
$795
Rec. Credit
Good
Earn 100,000 bonus points
Worth $1,250
After you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
Rec. Credit
Excellent
Earn 100,000 bonus points
Worth $1,250
After you spend $8,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Rec. Credit
Good
