Chase Launches No Annual Fee Instacart Mastercard

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Chase Launches No Annual Fee Instacart Mastercard

Signup bonus

For a limited time you can signup for the brand new Chase Instacart Mastercard and the first 10,000 consumers to apply and be approved will receive a $200 Instacart credit and one year of free Instacart+ automatically upon approval. After the first 10,000 cardmembers, every new cardmember will receive a $100 Instacart credit and one free year of Instacart+.

Instacart+ benefits include free delivery on orders over a certain size; reduced Instacart service fees; credit back on eligible Pickup orders; and exclusive benefits.

Annual fee


Signup bonus terms

As this is a new card, everyone will be eligible for the bonus.

Card earnings

  • 5% cash back on Instacart purchases made at more than 800 national, regional, and local retail brands from more than 70,000 stores across more than 5,500 cities
  • 5% cash back on travel purchased through the Chase Travel Center
  • 2% cash back on restaurants, gas stations, and select streaming services
  • 1% cash back on all other purchases
  • No foreign transaction fees


Typically, Chase cards are be subject to 5/24 restrictions, meaning that you are not likely to be approved if you have been approved for 5 or more consumer credit cards in the past 24 months. Note that the Chase system automatically counts cards like authorized user cards and store cards as cards that count towards 5/24, but if you explain to Chase that those cards are merely authorized user cards or store cards they can manually approve you for a new card.

However there have been many reports of 5/24 rules being waived for co-brand consumer cards like this.

You can check your credit report for free at the federally authorized to check how many accounts are shows as being open in the past 24 months.

Card benefits

  • Auto Rental Collision Damage Waiver
  • Purchase Protection
  • Extended Warranty Protection
  • Baggage Delay Insurance
  • Lost Luggage Reimbursement
  • Roadside Assistance
  • Travel Accident Insurance
  • Travel and Emergency Assistance Services

Quick Thoughts

We started using Instacart during the pandemic and it’s been a game changer for our family. Some of our local stores have in-store prices, while others have varying markup levels, so you do have to shop around for the best deal.

If you link your Costco or BJs membership numbers, then the markup at those stores drops to a reasonable level.

Still, the time saved by having everything delivered to your door is massive and time is money.

I usually stock up on discounted Instacart gift cards when Amazon has a sale on them, which means that items are actually cheaper than buying in-store, but otherwise, this discount means that Instacart will have a very small markup at many stores, which makes it a compelling value.

Whether it’s worth taking up a 5/24 slot in your wallet for a relatively small signup bonus is an open question, though small bonuses are typical for cards that have no annual fee.

Will you signup for the Chase Instacart Mastercard?


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14 Comments On "Chase Launches No Annual Fee Instacart Mastercard"

All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.


After 1 year the card seems pretty useless. It should at least offer a discount for instacart

Than you sir

Is it legit cash back or UR?




Wonder whether its worth it, seems like many of the perks other than sign on bonus are similar to what the Sapphire Reserve already offer, no?


How do you know when 10,000 people already signed up?


I clicked “apply now” but it just takes me to the instacart homepage. How do you apply?

Instacart+ gives 5% credit, so this is an additional 5% cash back on top of that? Sounds good to me!


Can The 1 year of Instacart+ be added to the end of an existing subscription?


I applied early this morning and received notice that decision can take up to 30 days. My only recent Chase card was approved in minutes a few months ago. No other new cards during last 4 years.


Anyone else having the issue that the card offer just redirects to instacart site and that’s it?


Yes, same issue here.


It should code as a grocery no go

Curious guy

Don’t think it’s worth the credit pull. But as Dan always says, YMMV…..


= Coming Soon =
Pay with Points
Use your cash back rewards to pay for all or part of purchase in the Instacart app or on


walmart plus is the way to go- no delivery fees and no markups