Chase Instacart Mastercard: what it earns

Updated September 17, 2026 · from RightCard's verified card and merchant data

Chase Instacart Mastercard earns 2% at restaurants, 2% at gas stations, 2% at streaming, and 1% on everything else. Annual fee: not verified yet.

Every category, as published

The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.

Category	Earn	≈ value / $1
Restaurants	2%	2¢
Supermarkets	1%	1¢
Gas stations	2%	2¢
Travel	1%	1¢
Online shopping	1%	1¢
Drugstores	1%	1¢
Transit & rideshare	1%	1¢
Streaming	2%	2¢
Everything else	1%	1¢

Where it beats a flat 2% card

Nowhere on published rates alone. Its case rests on credits, offers or the program its points feed, not on the earn rate.

Built-in store rates

Permanent card benefits in our verified data, not offers.

Store	Rate
Instacart	5%

Delivery apps and the dining rate

DoorDash, Uber Eats and Grubhub set their own merchant codes. Chase and Amex write delivery into their dining terms; read yours once. The DoorDash breakdown.

See it against the rest of your wallet →

How RightCard handles this: add the Chase Instacart Mastercard in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

What does the Chase Instacart Mastercard earn at supermarkets?

1% at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.

What does the Chase Instacart Mastercard earn on everything else?

1% on purchases outside its bonus categories.

Does the Chase Instacart Mastercard have an annual fee?

We have not verified the fee from two sources yet, so this page does not state one.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: Rate my wallet · All cards · Restaurants guide · Gas stations guide · Streaming guide