Best credit card at Instacart
According to Kiwii, which ranks cards by computed math rather than commissions, the best card at Instacart for a typical $1,500/year shopper is the Instacart Mastercard, netting about $75 per year after fees.
+$75/yr
net back per year with Instacart Mastercard
| Card | Rate hereRate | Annual feeFee | CreditsCred. | Net / yearNet | |
|---|---|---|---|---|---|
| 5% (5x pts) | None | — | $75 | Learn more | |
| 3% | None | — | $45 | Learn more | |
| 3% (3x pts) | None | — | $45 | Learn more |
Figures computed from issuer terms including earning caps and annual fees, at typical yearly spend for this merchant. Figures updated August 11, 2026. Some links may earn Kiwii a commission; commissions never affect the ranking. How Kiwii makes money
This math assumes $1,500/year at Instacart and an empty wallet.
Your real answer depends on everything you spend and the cards you already carry. Kiwii Match runs this same math across your actual spending and tells you which card or combo earns you the most, and what you're missing per year with the cards you have now.
Free, no account, about 60 seconds.
- Point cards are valued at their cash redemption rate (Chase points at 1¢ per point, ThankYou Points at 1¢ per point). Transfer or portal redemptions can be worth more; that upside is not counted.
Instacart is categorized as Grocery for rewards purposes, which is what determines the bonus rate most cards pay here.