Instacart Mastercard® from Chase: annual fee, APR and rewards

Fact sheet for the Instacart Mastercard®, issued by Chase, with no annual fee and cash back. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Chase
Network	Mastercard
Annual fee	$0
Rewards	Cashback: Earn 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually, 5% cash back on Chase Travel purchases, and 2% cash back at restaurants, gas stations, and on select streaming services. Plus, 1% cash back on all other purchases
Purchase APR	18.49% to 27.99% variable APR
Balance transfer fee	Either $5 or 5% of the amount of each transfer, whichever is greater
Sign-up bonus	Get a $50 Instacart credit automatically upon approval
Foreign transaction fee	None
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 27.74%, with a range of 18.24% to 27.74%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.