Two cards tie for best at Instacart
According to Kiwii, which ranks cards by computed math rather than commissions, Chase Freedom Flex and Instacart Mastercard tie for the best card at Instacart for a typical $1,500/year shopper, each netting about $75 per year after fees.
+$75/yr
net back per year with Chase Freedom Flex or Instacart Mastercard
| Card | Rate hereRate | Annual feeFee | CreditsCred. | Net / yearNet | |
|---|---|---|---|---|---|
| 5% (5x pts) | None | — | $75 | Learn more | |
| 5% (5x pts) | None | — | $75 | Learn more | |
| 4% (4x pts) | None | — | $60 | Learn more |
Figures computed from issuer terms including earning caps and annual fees, at typical yearly spend for this merchant. Figures updated November 2, 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.
- The 5% rate at Instacart depends on how this merchant is coded by the card network, which can change.
- Point cards are valued at their cash redemption rate (Ultimate Rewards at 1¢ per point, Chase points at 1¢ per point, Capital One 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.