Instacart Mastercard
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| Instacart | 5% | 5% |
| Dining | 2% | 2% |
| Gas | 2% | 2% |
| Streaming | 2% | 2% |
| Everything else | 1% | 1% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Status & Elite Perks (1)
World Elite Concierge
A complimentary 24/7 concierge service that acts as a relentless personal assistant. Reserve that perfect table, locate hard-to-find items and more. Cardmembers are responsible for the cost of any goods or services purchased through World Elite Concierge.
Protections (4)
Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item. Restrictions, limitations and exclusions apply.
Extended Warranty Protection
Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase. Restrictions, limitations and exclusions apply.
Auto Rental Coverage
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance. Restrictions, limitations and exclusions apply.
Travel Accident Insurance
When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive up to $500,000 in accidental death or dismemberment coverage. Restrictions, limitations and exclusions apply.
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 5 Instacart Mastercard benefits automatically — redemption progress, reset dates and expiry alerts.