Our illustration, not the card’s design
Chase credit card
Instacart Credit Card
- APR up · 18.24% to 18.49% · Oct 2, 2026
No annual fee. 50 Instacart credit welcome bonus. Purchase APR 18.49–27.99%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · chase.com
“Get a $50 Instacart credit automatically upon approval *”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · chase.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · chase.com
“18.49%– 27.99% variable APR. †”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · sites.chase.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
Chase’s terms
Welcome offer
50 credit
The $50 Instacart credit is automatically loaded to the Instacart.com account upon approval, in most instances immediately and in some cases within up to 10 days. It cannot be used for restaurant orders on Instacart powered by Uber Eats, alcohol products, gift cards, prescriptions, fees, taxes or tips; it is valid only in the United States and with one Instacart account, has no cash value, and is subject to Instacart's Terms of Service.
Who can get it: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
“Credit Card and New Cardmember Offer Eligibility: This credit card is available to you if you do not currently have the Instacart Mastercard ® and if you have not received a cash back new cardmember bonus from Chase for this card in the past 24 months.”
The issuer’s terms, from its page, as of Oct 12, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $145 | $145 | |
| Typical spender | $360 | $360 | |
| Heavy spender | $770 | $770 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
$145a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$360a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$770a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 75% of the 732 cards we track.
- No annual fee, like about 85% of the 711 cards we track.
- Lower top APR than about 40% of the 163 cards on our Sign-up bonuses list (see the list).
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$250 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$240 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$240 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Cash Back Rewards
How you earn
- 5%
- Qualifying Instacart.com and Instacart app purchases, including Instacart memberships and subscriptionsChase Travel purchases, including flights, hotels and more
- 2%
- Gas stationsDining at restaurants, including restaurant orders on Instacart powered by Uber Eats, takeout and eligible delivery servicesSelect streaming services
- 1%
- Everything else
Cash back, as a share of each purchase.
Benefits
- Instacart credit: $50 one time
Changes
- Oct 2, 2026 APR 18.24% to 18.49%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · chase.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · chase.com “18.49%– 27.99% variable APR. †” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · chase.com “18.49%– 27.99% variable APR. †” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · chase.com “5% Cash Back” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · sites.chase.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
Questions
- What is the annual fee?
- None · chase.com, since Oct 11, 2026
- Does it charge a foreign transaction fee?
- No. · sites.chase.com, since Oct 11, 2026
- What is the purchase APR?
- 18.49–27.99% APR · chase.com, since Oct 2, 2026
- Is there a welcome bonus?
- 50 Instacart credit. · chase.com, since Oct 11, 2026