Chase
Instacart Mastercard
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Card review
Instacart Mastercard
Chase
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
50 pts welcome offer
Est. net value
$334/yr
Credit score
Varies
Top earn rate
5x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Instacart Mastercard from Chase carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $333.60 in rewards plus $0.00 in credits and perks — $333.60 net per year before welcome bonuses.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseInstacart | 5× |
| TravelChase Travel Portal | 5× |
| DiningDining | 2× |
| GasGas | 2× |
| EntertainmentStreaming | 2× |
| Everything elseAll Purchases | 1× |
Welcome offer
50 points
- Est. value: $1 (WalletFlo catalog)
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- No foreign transaction fees
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
- Contactless - Just Tap To Pay
For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol.
- Chase Pay Over Time®
Lets eligible Chase customers break up credit card purchases of $100 or more into smaller, equal monthly payments for a fixed monthly fee.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
Confirm net value on a no-annual-fee card.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
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Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.