Instacart Mastercard®
Instacart Mastercard® Claimed

Instacart Mastercard®

Not enough votes for recommendation

Not enough votes for recommendation

Explore a similar product
Try this top product in Credit Cards.
Chime secured Credit Builder Visa® Credit Card
Chime secured Credit Builder Visa® Credit Card 9 reviews
Purchase APR  (Variable APR) 16.49% - 25.24%
Balance Transfer APR  (Variable APR) 16.49% - 25.24%
Credit Score Range 690 - 850
Annual Fee $0

Instacart Mastercard® Review

This is a cashback credit card issued by Chase Bank. If you're wondering whether Instacart Mastercard is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • Competitive APRs. Instacart Mastercard® has a variable purchase APR that ranges from 16.49% up to 25.24%.
  • 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
  • No annual fee.
  • No foreign transaction fee.
  • You need good credit to qualify.
  • Does not offer a signup bonus.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.
  • Charges a 5% balance transfer fee.
  • Does not include many credit card benefits.

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.

Instacart Mastercard® has a variable purchase APR that ranges from 16.49% up to 25.24%. The card has a variable balance transfer APR that ranges from 16.49% up to 25.24%. It also has a variable cash advance APR of 26.49% . 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:

Instacart Mastercard Fees
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

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.

SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 1:00pm

Other Services by Chase Bank

Icon for Credit Cards
View all credit cards offered by Chase Bank


  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • 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
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
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 690 - 850
Cash Advance APR (Variable APR) 26.49%
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 16.49% - 25.24%
Balance Transfer APR (Variable APR) 16.49% - 25.24%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%
Card Type
  • Cashback
Card Network Mastercard

Be the first to rate


Would you recommend Instacart Mastercard® to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Credit Cards

Chase Bank Credit Cards