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Chase and Instacart launch the first credit card for grocery delivery fans

July 25 2022
4 min read
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Grocery delivery lovers now have a credit card designed just for them. The first credit card from Instacart is now available. This is a new concept for credit cards and food delivery companies.

Let's take a look at the card's details to see what it offers and help you make an informed decision about whether it deserves a place in your wallet.

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The new Instacart Mastercard® Credit Card

(Image courtesy of Mastercard)

Chase and Instacart have partnered to launch the first-ever credit card from Instacart that will earn cash back in several different bonus categories. The card has no annual fee.

To coincide with the launch, new applicants can receive a $200 Instacart credit and one year of free Instacart+ automatically on account approval. However, this offer is limited to the first 10,000 applicants who get the card before Aug. 4, 2022. After this point, new applicants will receive a $100 Instacart credit and one year of free Instacart+.

Instarcart+ members receive perks like free delivery (subject to order minimums), reduced fees, account credits for pickup orders and other perks.

Related: Complimentary grocery delivery: Get an Instacart+ membership with these eligible Chase credit cards

Cardmembers will earn cash back at the following rates with no earning limits:

These rewards can be redeemed as cash back for a statement credit or direct deposit — with no redemption minimums — or to book travel in the Chase travel portal. In the future, cardmembers also will have the ability to redeem rewards for Instacart orders on the website or in the app.

Other cardmember perks include no foreign transaction fees, World Elite Mastercard benefits, rental car protection, purchase protection, extended warranty protection, baggage delay insurance, lost luggage reimbursement and other travel-related protections.

Since the Instacart Mastercard is offered by Chase, we assume it will be subject to the 5/24 rule. You can read more details about application rules in our ultimate guide to credit card application restrictions.

The information for the Instacart Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Which cards should you use for online grocery delivery services?

How to maximize your Instacart purchases

Firstly, you can earn 1 mile per dollar spent with Instacart grocery deliveries (excluding taxes, fees and tips) by linking your Delta SkyMiles and Instacart accounts.

Then click through the Rakuten shopping portal to earn 1-2% cash back (or 1-2 American Express Membership Rewards points) on Instacart purchases.

Finally, use an Instacart promo code to save money at checkout.

Bottom line

Whether you should or shouldn't apply for the new Instacart Mastercard will come down to a pair of considerations. First, consider whether you're eligible for this card, based on our list of application rules.

Second, consider whether you already have credit cards that can provide the relevant benefits, including Instacart+ and the rewards to be earned in the bonus earning categories. If the Instacart Mastercard offers benefits you don't currently have, such as waiving your delivery fees on Instacart orders, it can make sense to add to your wallet. However, there are other credit cards that provide better earnings in several of this card's bonus categories.

Official application link: Instacart Mastercard® Credit Card with $200 Instacart credit and one year of free Instacart+.

Featured photo by McLittle Stock/Shutterstock
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.

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  • Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.
  • 6x points at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
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Best Marriott card for Business Owners
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review

Rewards Rate

6X6x points at hotels participating in the Marriott Bonvoy® program.
4X4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2X2x points on all other eligible purchases.
  • Intro Offer
    Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.

    Limited Time Offer: Earn 100,000 points
    75,000 points
  • Annual Fee

    $125
  • Recommended Credit
    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.

    670-850
    Excellent/Good

Why We Chose It

The Marriott Bonvoy Business Amex is a stacked card with a rewards rate that will help you earn bonus points on everyday and business-related purchases. You'll earn 15 elite night credits each calendar year, and receive automatic Gold elite status. Finally, the free night award certificate with a redemption level of 35,000 points or less can get you hundreds of dollars in potential value each year.

Pros

  • 6x points on eligible purchases at hotels participating in the Marriott Bonvoy program
  • 4x points at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. shipping
  • 2x points on all other eligible purchases
  • Earn a free-night award each card renewal month (up to 35,000 points)
  • Receive 15 elite night credits to jump-start status
  • Transfer Marriott points to 40+ airlines

Cons

  • Airline points transfer ratios are poor
  • Must spend $60,000 in a year for second free-night award
  • Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.
  • 6x points at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points on all other eligible purchases.
  • Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
  • Terms apply.
  • See Rates & Fees