Instacart Credit Card
No annual fee. Purchase APR 18.49–27.99%, variable.
- Annual fee
- Issuer's pagechase.com
“$0 †”
- Purchase APR
- Issuer's pagechase.com
“18.49%– 27.99% variable APR. †”
- Foreign transaction fee
- Issuer's pagechase.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $145 | $145 |
| Typical spender | $360 | $360 |
| Heavy spender | $770 | $770 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Worth more to a typical spender than about 80% of the 650 cards we track.
- Lower top APR than about 35% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · Cash Back Rewards
- 5%Qualifying Instacart.com and Instacart app purchases, including Instacart memberships and subscriptions
- 5%Chase Travel purchases, including flights, hotels and more
- 2%Gas stations
- 2%Dining at restaurants, including restaurant orders on Instacart powered by Uber Eats, takeout and eligible delivery services
- 2%Select streaming services
- 1%Everything else
Rates and fees
| Annual fee | Issuer's pagechase.com “$0 †” |
|---|---|
| Purchase APR | Issuer's pagechase.com “18.49%– 27.99% variable APR. †” |
| Foreign transactions | Issuer's pagechase.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- No foreign transaction fees on purchases made outside the United States.
- Travel redemptions may include flights, hotels, car rentals and more.
- Contactless tap-to-pay capability.
- Eligible cardmembers may use Chase Pay Over Time for eligible purchases of $100 or more, with plan durations ranging from 3 to 24 months and a fixed monthly fee.
Questions
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$350 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$290 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$265 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).