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JPMorgan Chase Bank, National Association

Instacart Mastercard

This credit card is recommended for people with the following credit scores: 620-719 and 720+

Nationwide
Availability

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Purchase interest rate and fees

20.24% – 28.99%* Purchase APR

*As of . Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score Median purchase APR Comparison to other cards
620-719 28.86%
2 dollar sign symbols
Pay average interest
720+ 25.39%
2 dollar sign symbols
Pay average interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee
None
Minimum finance charge
No minimum interest payment is required to avoid additional fees
Grace period
21 days until interest begins to accrue on purchases
Balance computation method
Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index
The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0 Annual fee
Late fee
$29 for the first late payment and $40 for a late payment within six billing cycles of another late payment
Over-limit fee
None
Chase Pay Over Time
$0 (The Chase Pay Over Time Fee for plans set up after purchase is up to 1.72% of the amount of each eligible purchase transaction or amount selected to create a Pay Over Time plan. The Pay Over Time Fee will be determined at the time each Pay Over Time plan )
Return Payment Fee
$40 (While a fee is disclosed, it is not currently being charged for this product. We may charge this fee if a payment is not honored, is returned unpaid or cannot be processed.)

Rewards and perks

Cash back, travel, and other Rewards

Other rewards: Customers can pay with points at Instacart, Customers can receive a free Instacart+ subscription (6 months or 1 year) as part of their acquisition bonus offer. This only applies to the customers who were approved for the card and were specifically targete

Services
  • Access to Free Credit Scores
  • Extension on manufacturer’s warranty
  • World Elite Concierge, Automatic Account Alerts, Authorized User, 24/7 Access to Customer Service, Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Lost Luggage Reimbursement, Roadside Assistance, Travel Accident Insurance, Purchase Protectio
Card features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

20.24% – 28.99%* Balance transfer APR for 0 months
+
5% ($5 minimum) Balance transfer fee, see details

Balance transfer fee details: Either $5 or 5% of the amount of each transfer, whichever is greater.

*As of . Advertised balance transfer APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical balance transfer APRs for different credit scores for this card:

Credit score Median balance transfer APR
620-719 28.86%
720+ 25.39%

After 0 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

29.99%* Cash advance APR
+
5% ($10 minimum) Cash advance fee, see details

Cash advance fee details: .

*As of . Advertised cash advance APRs change over time. Check rates before applying.

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.