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A mother and daughter eating snacks while holding Instacart credit card.

Welcome to
the Instacart
Mastercard®

Earn cash back on everyday
purchases and more.

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A mother and daughter eating snacks while holding Instacart credit card.

Welcome to
the Instacart
Mastercard®

Earn cash back on everyday
purchases and more.

Sign inOpens in new window

Instacart Mastercard. Contactless icon

Fill up your cart and
your wallet

5%

Cash back on qualifying
Instacart app and
Instacart.com purchases on
your first $6,000 spent annually1same page link to footnote reference

5%

Cash back on Chase Travel
purchases, including flights,
hotels and more1same page link to footnote reference

2%

Cash back at restaurants,
including orders on
Instacart powered by Uber
Eats, gas stations, and on select streaming services1same page link to footnote reference

1%

Cash back on
all other purchasessame page link to footnote reference1

Choose how
you want to
redeem

With the rewards you've earned on
everyday purchases, you can choose
how you want to redeem.

Cash back

No minimum to redeem for cash back. Choose to receive a direct deposit or a statement credit.

Chase Travel

Book your next flight, hotel, car rental, and more.

Pay with points

Use your cash back rewards to pay for all or part of your purchase in the Instacart app or on Instacart.com (excludes restaurant orders on Instacart powered by Uber Eats). Same page link to footnote reference2

Pay, your way

It's easy to use your Instacart Mastercard
in stores and online.

Woman adding Instacart Mastercard to mobile device

Use a mobile wallet

Choose your digital wallet at checkout, and select your Chase card for quick and secure payments.

Woman paying for meal with Instacart credit card

Shop. Swipe. Repeat.

Of course you can always use your Instacart Mastercard at the grocery store, while filling up, eating out, or anywhere you shop.

Person using tap to pay

Tap to pay

Just look for the Contactless Symbol at checkout, then tap your contactless card on the checkout terminal to pay.

Woman adding Instacart Mastercard to mobile device

Use a mobile wallet

Choose your digital wallet at checkout, and select your Chase card for quick and secure payments.

Woman paying for meal with Instacart credit card

Shop. Swipe. Repeat.

Of course you can always use your Instacart Mastercard at the grocery store, while filling up, eating out, or anywhere you shop.

Person using tap to pay

Tap to pay

Just look for the Contactless Symbol at checkout, then tap your contactless card on the checkout terminal to pay.

Learn more about adding your card to a
digital wallet by clicking the links below

Apple Pay logo Apple Pay logo Opens in new window
Samsung Pay logo Samsung Pay logo Opens in new window
Google Pay logo Google Pay logo Opens in new window
Paypal logo Paypal logo Opens in new window

You're covered with
built-in benefits

Your Instacart Mastercard has you covered so
you can travel and shop with confidence.

World Elite® Concierge

A complimentary 24/7 concierge service that acts as a relentless personal assistant. Reserve that perfect table, locate hard-to-find items and more.3 Same page link to footnote reference

Baggage Delay Insurance

Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.^ same page link to footnote reference

Extended Warranty Protection

Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.^ same page link to footnote reference

Purchase Protection

Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.^ same page link to footnote reference ,^^ same page link to footnote reference

Lost Luggage Reimbursement

Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.^ same page link to footnote reference ,^^ same page link to footnote reference

Travel and Emergency Assistance

If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained.)^ same page link to footnote reference

Travel Accident Insurance

When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive up to $500,000 in accidental death or dismemberment coverage.^ same page link to footnote reference

Roadside Assistance

If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at time of dispatch.^ same page link to footnote reference

Auto Rental Coverage

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.^ same page link to footnote reference

World Elite® Concierge

A complimentary 24/7 concierge service that acts as a relentless personal assistant. Reserve that perfect table, locate hard-to-find items and more.3 Same page link to footnote reference

Purchase Protection

Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.^ same page link to footnote reference ,^^ same page link to footnote reference

Travel Accident Insurance

When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive up to $500,000 in accidental death or dismemberment coverage.^ same page link to footnote reference

Baggage Delay Insurance

Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.^ same page link to footnote reference

Lost Luggage Reimbursement

Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.^ same page link to footnote reference ,^^ same page link to footnote reference

Roadside Assistance

If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at time of dispatch.^ same page link to footnote reference

Extended Warranty Protection

Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.^ same page link to footnote reference

Travel and Emergency Assistance

If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained.)^ same page link to footnote reference

Auto Rental Coverage

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.^ same page link to footnote reference

Take advantage of
these account features

Add authorized users

Add family and friends as authorized users and begin earning cash back on all their purchases, at no additional charge. Same page link to footnote reference4

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Make automatic payments

Stay up-to-date and on time by signing up for automatic payments. It's as easy as logging into Chase OnlineSM.

Schedule automatic paymentsOpens in new window

Go paper­less

Access your statement virtually anytime, from anywhere with Chase OnlineSM or the Chase Mobile app. Same page link to footnote reference5

Set up paperless statementsOpens in new window

Questions?
Contact us

Phone

800-232-3114

Email

Log in to your account for access to our secure email form.

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Overhead shot of smartphone with Instacart logo onscreen, surrounded by the Instacart Mastercard, colorful pastries, and a coffee.

Don’t have the
Instacart
Mastercard?

Learn more

TERMS AND CONDITIONS


Same page link returns to footnote reference1 See your Card Rewards Program Agreement for more details.


Same page link returns to footnote reference2 Pay with Points: For Pay with Points to be available, your Instacart Mastercard must be selected as your payment method. When you Pay with Points, each point is worth $.01 (one cent), meaning 100 points equals $1 in redemption value. There is no minimum points balance to redeem. If you don’t use points to pay for your entire order, you must use your Instacart Mastercard and/or Instacart credits to cover the remaining balance. You can’t use Pay with Points to pay for restaurant orders on Instacart powered by Uber Eats, Instacart gift cards, Instacart+ membership, alcohol, or prescription orders. Additional exclusions may apply. For valid returns or cancellations of any kind, your points will not be refunded. Points will be returned to you as an Instacart credit, redeemable only in the Instacart app or at Instacart.com. An additional temporary authorization hold will be applied to your Instacart Mastercard to account for potential changes in the final total due to special requests, added items, items replaced at a different price, and the actual weight of items. Your statement will reflect the final order total after order completion. You can’t Pay with Points for orders outside of the United States.


Same page link returns to footnote reference3 Cardmembers are responsible for the cost of any goods or services purchased through World Elite Concierge.


Same page link returns to footnote reference4 All correspondence, including credit cards, statements, and notifications will be sent to the name and address on file for the primary cardmember. The primary cardmember is responsible for repaying all balances on this account. Authorized users will have the same account number and charging privileges as the primary cardmember but will not be financially responsible. Chase provides account information to the credit reporting agencies for all account users. This information could impact an authorized user’s credit score. When you tell us to add a user to your account, you’re confirming that you have a relationship with the person or people whose name(s), address(es), and date(s) of birth you’ve told us, that all their information is correct, and that you have their consent to add them. If Chase determines you’ve given us fraudulent name, address, or date of birth information or did not have such consent, Chase can close this account.


Same page link returns to footnote reference5 Chase Mobile® app is available for select mobile devices. Message and data rates may apply.


Same page link returns to footnote reference^ Travel And Purchase Protection: These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are provided by unaffiliated companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. For full coverage details, cardmembers can refer to their Guide to Benefits, provided after account opening, or call the number on the back of their card for assistance.


Same page link returns to footnote reference^^ Specific limitations apply to New York residents: Lost Luggage Reimbursement – additionally limited to $2,000 per bag and $10,000 for all covered travelers per trip. Purchase Protection – coverage period is 90 days from the date of purchase.


For a list of compatible Apple Pay devices, see support.apple.com/km207105.


Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.


©2025 Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Use only in accordance with law. Contact your bank or financial institution to verify that it is a Samsung Pay participant. Samsung Pay is available on select Samsung devices.


Only compatible with select cards and qualifying Samsung devices. Check with Chase to ensure that your card is compatible; and check the Samsung Pay Support page for additional compatibility information regarding devices, carriers and cards.


Google Pay and Google Wallet are trademarks of Google LLC.


PayPal is a trademark of PayPal, Inc., registered in the United States and other countries.


Mastercard, the circles design, World Mastercard and World Elite Mastercard are trademarks of Mastercard International Incorporated.

INSTACART®, the Instacart Carrot logo, the Instacart Partial Carrot logo, and the Instacart Carrot Top logo are trademarks of Maplebear Inc., d/b/a Instacart. Instacart may not be available in all zip or post codes. See Instacart Terms of Service for more details.


JPMorgan Chase Bank, N.A. Member FDIC




chase.comOpens in new window | instacart.com


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© JPMorgan Chase & Co.

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Offer Details

Instacart Credit:

This credit card and offer are available to you if you do not currently have the Instacart Mastercard® and have not been approved for the Instacart Mastercard® in the past 24 months. The account credit will automatically be applied to your Instacart account upon approval. In most instances, your credit will be available immediately upon approval of your application for the Instacart Mastercard credit card (the “Card”); however, in some cases it may take up to 10 days. The account credit offer amount may be used towards any order but service fees, handling fees, delivery fees, other fees, taxes, and/or tips may still apply. Use of this account credit offer is subject to the Terms of Service of Instacart and cannot be used to purchase alcohol products, gift cards or prescriptions. This account credit offer is valid only in the United States and can only be used with one Instacart account. This account credit may not be sold, copied, modified, or transferred, reloaded, or redeemed for cash, except to the extent required by law. This account credit offer has no cash value. Instacart reserves the right to void offers (including any component thereof), close customer accounts, and bill alternative forms of payment if Instacart suspects that an offer is obtained, used, or applied to an Instacart account fraudulently, unlawfully, or otherwise in violation of these terms and Instacart's Terms of Service. Instacart is not a retailer or seller. Instacart services may not be available in all zip codes. The remaining balance of a used account credit offer may be checked in the Instacart account it is used with or via Instacart Community Support. Void where restricted or prohibited by law. This offer is issued by Maplebear Inc. dba Instacart. The value of this offer or program may result in miscellaneous income received from Chase and we may be required to send you, and file with the IRS, a Form 1099-MISC (Miscellaneous Income) or Form 1042-S (Foreign Person's U.S. Source Income Subject to Withholding) for the year in which you participate and are awarded the benefits of the offer/program. You are responsible for any tax liability related to participating in the offer/program. Please consult your personal tax advisor if you have any questions about how this could affect your taxes. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services.

Cash Back And Points:

Rewards Program Agreement: For more information about the Instacart Mastercard rewards program, view the latest Rewards Program Agreement (PDF)Opens in same window. We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com/instacartOpens in same window.
Cash Back and Points: “Cash Back rewards” are the rewards you earn under the program. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points. You may simply see “Cash Back” in marketing materials when referring to the rewards you earn. You may also see, “points” or “Instacart points” when referring to the points you can use. How you can earn points: You'll earn points on purchases of products and services, minus returns or refunds, made with an Instacart Mastercard credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 5% Cash Back: You'll earn 5% Cash Back rewards for each $1 spent on qualifying purchases made using your card directly through Instacart.com or the Instacart mobile app including Instacart memberships and subscriptions. Instacart gift card purchases made using your card will not qualify to earn 5% Cash Back rewards. Instacart purchases made using your card directly with Instacart's retail partners or directly through Instacart's third-party providers will not qualify to earn 5% Cash back rewards. 5% Cash Back: You'll earn 5% Cash Back rewards for each $1 spent on travel purchases booked using your card through the program's Chase Travel Center by calling toll-free directly at 1-833-458-0526 or by calling the number on the back of your card. 2% Cash Back: You'll earn 2% Cash Back rewards for each $1 spent on purchases in the following rewards categories: gas stations; dining at restaurants including takeout and eligible delivery services; select streaming services. 1% Cash Back: You'll earn 1% Cash Back rewards for each $1 spent on all other purchases. How you can use your points: You can use your points to redeem for any available reward options, which may include cash, gift cards, travel, and for products or services made available through the program or directly from third parties. Redemption values for reward options may vary. Points expiration/losing points: Your points don't expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQsOpens in same window.

Concierge Service:

Cardmembers are responsible for the cost of any goods or services purchased through World Elite Concierge.

Mastercard, the silver circles design and World Elite Mastercard are registered trademarks of Mastercard International Incorporated.

INSTACART®, the Instacart Carrot logo, the Instacart Partial Carrot logo, and the Instacart Carrot Top logo are trademarks of Maplebear Inc., d/b/a Instacart. Instacart may not be available in all zip or post codes. See Instacart Terms of Service for more details.

Accounts subject to credit approval. Restrictions and limitations apply. Instacart Mastercard credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Offer subject to change.

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