Instacart Mastercard
No annual fee, earning Cash, on the Mastercard network.
Card terms last verified against issuer pages on 2026-09-20.
The Instacart Mastercard is a no annual fee card from Chase earning Cash. It earns 5x on travel (chasetravel), 2x on dining, 2x on gas and 5x on everything else. We have no recurring statement credits on file for this card.
What it earns
Rates are the multipliers Chase advertises. We do not convert them into a percentage return, because that requires putting a price on Cash and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Instacart | 5x | Everything else |
| Travel (ChaseTravel) | 5x | |
| Dining | 2x | |
| Gas | 2x | |
| Streaming Service | 2x | |
| Other | 1x | Everything else |
Status and included memberships
- World Elite Concierge — A complimentary 24/7 concierge service that acts as a relentless personal assistant. Reserve that perfect table, locate hard-to-find items and more. Cardmembers are responsible for the cost of any goods or services purchased through World Elite Concierge.
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Purchase Protection — Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item. Restrictions, limitations and exclusions apply.
- 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. Restrictions, limitations and exclusions apply.
- Auto Rental Coverage — Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance. Restrictions, limitations and exclusions apply.
- 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. Restrictions, limitations and exclusions apply.
Questions people ask about the Instacart Mastercard
What is the annual fee on the Instacart Mastercard?
The Instacart Mastercard has no annual fee.
What does the Instacart Mastercard earn?
5x on instacart, 5x on travel (chasetravel), 2x on dining, 2x on gas, and 5x on everything else, in Cash.
Does the Instacart Mastercard charge foreign transaction fees?
No — the Instacart Mastercard has no foreign transaction fee.
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