What credit score is typically needed for the Instacart Mastercard?

While there's no official minimum, a good to excellent credit score (typically 670+) is generally recommended for approval on Chase credit cards, including the Instacart Mastercard.

Can I earn the Instacart Mastercard welcome bonus more than once?

You are not eligible for the welcome bonus if you have received a bonus for the Instacart Mastercard Credit Card within the last 24 months.

What is the current welcome bonus for the Instacart Mastercard?

As of June 2026, the current welcome bonus for the Instacart Mastercard Credit Card is a $50 Instacart credit after approval.

Does the Instacart Mastercard have an annual fee?

No, the Instacart Mastercard Credit Card has a $0 annual fee.

Is the Instacart Mastercard a good card for credit card churning?

From a churning perspective, the Instacart Mastercard offers a relatively small $50 bonus. While it has no annual fee and an easy bonus requirement, it does consume a valuable Chase 5/24 slot, which might be better saved for cards with higher signup bonuses.

What are the foreign transaction fees for the Instacart Mastercard?

The Instacart Mastercard Credit Card does not charge foreign transaction fees.

Instacart Mastercard: $50 Bonus, Eligibility & 5/24 Rule

Q: Is the Instacart Mastercard Credit Card subject to Chase 5/24?

Yes, the Instacart Mastercard Credit Card is subject to Chase's 5/24 rule. This means you generally won't be approved if you've opened five or more personal credit card accounts across all issuers in the last 24 months.

The Instacart Mastercard Credit Card offers a straightforward welcome bonus of a $50 Instacart credit after approval, as of June 2026. This no-annual-fee card is a simple way to earn a small bonus, particularly if you're a frequent Instacart user. Eligibility is subject to Chase's strict 5/24 rule, meaning you generally won't be approved if you've opened five or more personal credit cards across all issuers in the past 24 months. Additionally, you cannot have received the bonus for this specific card in the last 24 months. While the bonus is modest, its ease of attainment and lack of an annual fee make it an accessible option for some.

The Instacart Mastercard Credit Card, issued by Chase, is a no-annual-fee option for those looking to earn a simple welcome bonus, especially if you're a regular Instacart user. This page details the current offer and key eligibility requirements for this personal Mastercard.

Current Welcome Bonus & Value

As of June 2026, the Instacart Mastercard Credit Card offers a $50 Instacart credit after approval. This credit is directly applicable to your Instacart purchases, providing a clear value of $50.

Minimum Spend to Earn It

To earn the $50 Instacart credit, you simply need to be approved for the card. There is no minimum spending requirement within a specific timeframe to unlock this bonus.

Who's Eligible

Applying for the Instacart Mastercard involves several key eligibility considerations, particularly due to Chase's application rules:

Chase 5/24 Rule: Chase will generally not approve you for a new personal credit card if you have opened 5 or more personal credit card accounts across all issuers in the last 24 months. This rule applies to the Instacart Mastercard.
Bonus Eligibility: You are not eligible for the welcome bonus if you have received a bonus for the Instacart Mastercard Credit Card within the last 24 months.
Credit Score: While no specific credit score floor is provided, Chase typically recommends a good to excellent credit score (generally 670+) for approval on their credit cards.

Is It Worth It?

Deciding if the Instacart Mastercard is worth applying for depends on your churning strategy and spending habits.

Pros:

No Annual Fee: This card comes with a $0 annual fee, making it easy to keep long-term without ongoing costs.
Easy Bonus: The $50 Instacart credit is awarded simply upon approval, requiring no minimum spend.
Useful for Instacart Users: If you frequently use Instacart, the credit is directly applicable and valuable.
No Foreign Transaction Fees: This card does not charge foreign transaction fees.

Cons:

Low Bonus Value: Compared to many other credit card signup bonuses, a $50 credit is relatively small.
Uses a 5/24 Slot: For churners, using one of your valuable Chase 5/24 slots for a $50 bonus might not be optimal, especially if you're targeting higher-value Chase cards.

How to Apply

To apply for the Instacart Mastercard Credit Card, visit the official Chase website or an authorized application portal. Ensure you review the terms and conditions carefully before submitting your application.

Alternatives

If the Instacart Mastercard doesn't align with your goals, or if you're looking for other Chase cards, consider these related options:

Remember that offers and eligibility criteria can change, and the information above is accurate as of June 2026.

Offers change frequently and may not be available to all applicants. Information is provided for research; verify terms on the issuer's site before applying. Chuuurning may not be compensated by issuers.

Instacart Mastercard Credit Card — $50 bonus