Instacart Mastercard®
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| Purchase APR (Variable APR) |
19.24% - 27.99% (Verified 01/18/2023) |
| Balance Transfer APR (Variable APR) |
19.24% - 27.99% (Verified 01/18/2023) |
| Credit Score Range | 690 - 850 |
| Annual Fee | $0 |
Instacart Mastercard® Review
This is a cashback card issued by Chase Bank. If you're wondering whether Instacart Mastercard is the right card for you, read on.
Key Takeaways
- Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 19.24% up to 27.99%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- 5% Balance transfer fee. Instacart Mastercard® charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Good or better credit required. You will have low approval odds if your credit score is below 690.
Pros & Cons of Instacart Mastercard
| The Good | The Bad |
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Instacart Mastercard FAQ
Does Instacart Mastercard have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
What are the relevant APRs for Instacart Mastercard?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.Instacart Mastercard® has a variable purchase APR that ranges from 19.24% up to 27.99%. The card has a variable balance transfer APR that ranges from 19.24% up to 27.99%. It also has a variable cash advance APR of 29.24% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does Instacart Mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Instacart Mastercard have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Instacart Mastercard?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Instacart Mastercard have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Instacart Mastercard?
The Instacart Mastercard customer service number is (877) 242-7372.
What is the support contact email for Instacart Mastercard?
The support contact email for Instacart Mastercard is customerdepartament@chase.com.
What is the Instacart Mastercard login page?
You can access the Instacart Mastercard login page here.
How do people rate the customer service and user experience of Instacart Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
How to apply for Instacart Mastercard
- Visit the Instacart Mastercard website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
270 Park Avenue
New York, NY 10017 USA - (877) 242-7372
- Visit Site
- Email Support
Other Services by Chase Bank
Other Credit Cards by Chase Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | 5% |
| Minimum Cash Advance Fee ($) | $10 |
| Foreign Currency Transaction Fee | 0% |
| No Annual Fee | |
| No Foreign Transaction Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| No Interest Grace Period for Late Payment | 21 days |
| Returned Payment Fee | Up to $40 |
| Late Fee Amount | Up to $40 |
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