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It’s the ideal card for individuals seeking to save on groceries, dining, gas, and streaming services while enjoying added benefits like a complimentary Instacart+ membership.
Disclaimer: You will be redirected to the official website.
Benefits of Instacart Mastercard®
- 5% Cashback: Earn on Instacart purchases and Chase Travel Center bookings.
- 2% Cashback: Rewards for dining, gas stations, and select streaming services.
- 1% Cashback: Earn on all other purchases.
- Complimentary Instacart+ Membership: Free delivery and reduced service fees for the first year.
- No Annual Fee: Enjoy all the card’s benefits without any yearly cost.
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Pros
- High cashback rate on Instacart orders and travel booked through Chase Travel Center.
- No annual fee, keeping the card affordable for users.
- Includes a free year of Instacart+ membership, valued at $99.Cashback redemption options include statement credits, direct deposits, or Instacart purchases with no minimums.
- Additional rewards for dining, gas, and streaming, making it versatile for everyday spending.
Cons
- Rewards are most beneficial for frequent Instacart users, offering less value for in-store grocery shoppers.
- Travel cashback is restricted to bookings made through Chase Travel Center.
- No introductory APR for purchases or balance transfers.
- Limited travel perks, such as lounge access or insurance.
- The complimentary Instacart+ membership renews at $99 annually after the first year.
about the card
The Instacart Mastercard® is an excellent option for those looking to maximize savings on grocery deliveries and other everyday purchases. With 5% cashback on Instacart orders and Chase Travel Center bookings, it delivers significant value for frequent users. The card also rewards dining, gas, and streaming purchases with 2% cashback, broadening its appeal for various spending needs.
One of the standout features of this card is the complimentary Instacart+ membership, which provides free delivery on orders over $35 and reduced service fees during the first year. This perk, valued at $99, enhances the card’s benefits and makes it particularly attractive to loyal Instacart users. Additionally, the card’s no annual fee structure ensures affordability for a wide range of consumers.
Although its rewards are primarily tied to Instacart purchases, the card’s inclusion of dining, gas, and streaming categories adds versatility, making it suitable for everyday spending. The Instacart Mastercard® is ideal for individuals who regularly use grocery delivery services and want a straightforward way to earn rewards on essential purchases.
How to Apply for instacart mastercard®
- Visit the Chase Website: Navigate to the official card page.
- Review Features: Ensure the card aligns with your spending and savings goals.
- Complete the Application: Provide your personal, financial, and employment information.
- Submit Your Application: Verify your details and apply online.
- Await Approval: Chase typically delivers instant decisions for eligible applicants.
Disclaimer: You will be redirected to the official website.
complementary instacart+ Membership
New cardholders receive a one-year free Instacart+ membership, which offers free delivery on orders over $35 and reduced service fees. This feature adds tremendous value for regular Instacart users, delivering both savings and convenience.
Benefits Breakdown
| Feature | Details |
|---|---|
| Rewards Rate | 5% on Instacart and Chase Travel Center; 2% on dining, gas, and streaming services; 1% on other purchases |
| Annual Fee | $0 |
| Sign-Up Bonus | $50 Instacart credit upon approval |
| Instacart+ Membership | Free for the first year (valued at $99) |
| Foreign Transaction Fee | None |
| Redemption Options | Statement credits, direct deposits, or Instacart purchases |
FLEXIBLE CASH BACK REDEMPTION
The Instacart Mastercard® offers flexible cashback redemption options with no minimum amount required. Rewards can be applied as statement credits, direct deposits, or used toward future Instacart purchases, making it easy to maximize your savings.
How to Improve Your Credit Score to Get Approved for INSTACART MASTERCARD®
The Instacart Mastercard® can help maintain or improve your credit score when used responsibly. Follow these tips:
- Make On-Time Payments: Always pay by the due date to maintain a positive payment history.
- Use the Card Regularly: Focus spending on categories that earn the highest rewards, such as Instacart purchases and dining.
- Monitor Your Credit Score: Take advantage of Chase’s credit monitoring tools to track progress.
- Keep Utilization Low: Use less than 30% of your available credit limit to improve your credit utilization ratio.
- Pay Balances in Full: Avoid carrying a balance to eliminate interest charges and maintain financial health.
By following these steps, you can improve your credit profile while earning rewards on everyday purchases.
FINAL CONSIDERATIONS
The Instacart Mastercard® is a fantastic choice for individuals who frequently shop through Instacart and want to save on groceries and related expenses. With 5% cashback on Instacart orders and Chase Travel Center bookings, along with complimentary Instacart+ membership for the first year, the card delivers significant savings and convenience. The absence of an annual fee makes it even more attractive for cost-conscious consumers.
While its primary rewards focus on Instacart purchases, the 2% cashback categories on dining, gas stations, and streaming services add versatility, making it a practical option for everyday spending. However, the card may be less appealing to those who prefer in-store grocery shopping or do not regularly use Instacart.
For dedicated Instacart users, the Instacart Mastercard® is an excellent way to enhance their shopping experience while earning rewards. Its straightforward structure and valuable perks make it an ideal card for individuals who prioritize convenience and savings.