Credit Cards (US)
Instacart Mastercard® review: cash back on everyday purchases
Read this Instacart Mastercard® review to find out how to maximize your rewards by making your everyday purchases.
Instacart Mastercard®: earn up to 5% cash back on purchases
If you want to earn cash back on all purchases, this Instacart Mastercard® review is worth reading.
To sum up, this card offers rewards on all purchases with flexible redemption. Also, it doesn’t charge an annual fee.
How to apply for the Instacart Mastercard®?
Check out how to apply for an Instacart Mastercard® card and enjoy earning up to 5% cash back on your everyday purchases at a $0 annual fee.
So, you can maximize your earning while minimizing costs to enjoy valuable experiences when shopping or traveling.
| Credit Score | Good – Excellent |
| APR | 19.74% – 28.49% variable on purchases and balance transfers; 29.74% variable on cash advances. |
| Annual Fee | $0 |
| Fees | Balance Transfers: $5 or 5% of the amount of each transaction, whichever is greater; Cash Advances: $10 or 5% of the amount of each transaction, whichever is greater; Foreign Transaction: none; Late Payment: Up to $40; Return Payment: Up to $40; Return Check: none |
| Welcome bonus | $100 Instacart credit |
| Rewards | 5% cash back on purchases on the Instacart app and Instacart.com; 5% cash back on travel purchases at the Chase Travel Center; 2% cash back at gas stations, restaurants, and select streaming services; 1% cash back on everything else |
Additionally, there is no minimum reward balance to redeem. Good, right?! But before deciding to apply for it, continue reading to learn more about the advantages and disadvantages.
How does the Instacart Mastercard® work?
As shown above, on this Instacart Mastercard® review, this card offers unlimited rewards on all purchases, divided into four categories, as follows:
- 5% cash back on purchases on the Instacart app and Instacart.com;
- 5% cash back on travel purchases at the Chase Travel Center;
- 2% cash back at gas stations, restaurants, and select streaming services;
- 1% cash back on everything else.
Moreover, you can redeem the cashback via direct deposit or statement credits with no minimums.
The rewards can be redeemed to pay for all or even part of your purchases on the Instacart app or on Instacart.com. Plus, you can redeem for flights, cruises, hotels, car rentals, and more.
Basically, an amazing and cheap card for those who want to maximize rewards while purchasing and traveling abroad.
Not to mention that the card comes with other fantastic perks, including a complimentary 24/7 concierge service, an Auto Rental Collision Damage Waiver, and purchase protection.
Even though some other fees apply, this Mastercard doesn’t charge an annual fee.
Lastly, the account offers valuable features, including automatic payment, flexible payment options, and more.
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Instacart Mastercard® benefits
As can be seen on this Instacart Mastercard® review, this card is suitable for Instacart clients who want to earn cash back with flexible redemption.
Also, the card is cheap, considering its many perks.
However, it is only worthwhile if you want to be an Instacart client or even already are since there is a membership fee after the second year.
To sum up, the card is on par with high-end credit cards but at a super affordable price.
Pros
- It doesn’t charge an annual fee;
- It offers cash back on all purchases;
- It provides you with amazing assistance and protection;
- It offers flexible redemption.
Cons
- It charges an annual membership fee of $99 (waived in the first year).
How good does your credit score need to be?
Of course, a card like this one requires at least a good credit score.
So, before applying, check your creditworthiness.
How to apply for an Instacart Mastercard®?
If you are interested in earning cash back, check out how to apply for an Instacart Mastercard® in the following post!
How to apply for the Instacart Mastercard®?
Check out how to apply for an Instacart Mastercard® card and enjoy earning up to 5% cash back on your everyday purchases at a $0 annual fee.
About the author / Aline Augusto
Reviewed by / Aline Barbosa
Senior Editor
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