Earn $100 Instacart credit and 1 free year of Instacart+.
Instacart Mastercard®
$100 Instacart credit Bonus Points
Our Mission
At Daily Drop, our mission is simple: to help you explore the world affordably and experience life-changing travel by maximizing miles and points. Our team of travel and credit card experts is here to help you make decisions about which cards belong in your wallet. Based on your travel goals, we offer unbiased advice to help you make the best choices. Keep in mind that our suggestions require responsible credit card use.
Rating Methodology
Here at Daily Drop, we score credit cards using a proprietary formula based on dozens of metrics across six key categories: annual fee, welcome offer, rewards rates, redemption value, benefits & perks, and travel protections. Higher scores indicate better overall value.
We net the annual fee against statement credits you'll likely use and focus on a welcome offer's true return on spending (ROI) rather than just the headline number. We value rewards by their actual worth in cents per point, which is why flexible, transferable points typically score highest. APR is not a standalone scoring category because we recommend paying in full to maximize points and miles, but an intro 0% APR counts as a perk.
Our reviews are editorial and experience-driven. Our team has earned and redeemed millions of miles and points and tested these cards around the world. After all, we would not be Daily Drop if we were not practicing what we preach.
Read our full methodology for more information.
Pros & Cons
Pros
- The card offers a competitive 5% cashback rate on Instacart purchases, travel, and purchases on the Instacart app and website
- The 2% cashback rate on dining, gas, and select streaming services
- The ability to redeem rewards in multiple ways, including as a statement credit, direct deposit, or for travel
- The welcome bonus of $100 Instacart credit and a free year of Instacart+
Cons
- While it offers strong cashback rewards, it may not have premium travel or dining benefits that some other credit cards offer
- High APR
- 700+ credit score needed for approval
- Instacart-delivery-only limitation on earnings
Rewards Summary
- 5% cash back on Instacart purchases, travel purchased through the Chase Travel Center, and the Instacart app and Instacart.com
- 2% cash back at restaurants, gas stations, and on select streaming services
- 1% cash back on all other purchases
- A welcome bonus of $100 Instacart credit and 1 free year of Instacart+
- Free delivery on orders over $35
- Lower service fees
Recommended Credit
The recommended credit score for the Instacart Card is good to excellent.
Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our Experts
Written by: The Daily Drop Team
Updated:Jul 3, 2026
Editorial disclaimer: opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Information was last updated Jul 3, 2026.