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20 cards ranked

Best credit card to use at Instacart.

Groceries

Instacart is the largest U.S. grocery delivery and pickup marketplace, partnering with Costco, Wegmans, ALDI, Publix, and many regional chains. Orders placed through the Instacart app or instacart.com generally code as groceries on most cards, but some banks classify the charge as the underlying merchant — worth confirming on a small order before relying on a 6% grocery card. Several premium cards (Sapphire Reserve, Venture X) include Instacart+ memberships and statement credits.

Credits & perks at Instacart

These cards include a statement credit, rebate, or complimentary membership you can use at Instacart, on top of whatever you earn on the purchase. Weigh these alongside the ranked picks below.

  • United Club BusinessEnrollment required
    Chase
    Up to $20 in monthly Instacart credits plus a complimentary Instacart+ membership, through December 31, 2027
    $240/yr
  • United Club Infinite
    Chase
    Two $10 Instacart credits each month through 12/31/27
    $240/yr
  • United QuestEnrollment required
    Chase
    Up to $180 in Instacart credits each calendar year ($10 + $5 monthly; benefits end 12/31/27)
    $180/yr
  • IHG One Rewards PremierEnrollment required
    Chase
    Receive a $10 Instacart credit monthly (up to $120 annually) plus a complimentary 3-month Instacart+ membership; an active Instacart+ membership is required, and benefits end 12/31/27.
    $120/yr
  • IHG Rewards Club TravelerEnrollment required
    Chase
    Receive a $10 Instacart credit monthly (up to $120 annually) plus a complimentary 3-month Instacart+ membership; an active Instacart+ membership is required, and benefits end 12/31/27.
    $120/yr
  • Southwest Rapid Rewards PlusEnrollment required
    Chase
    Up to $120 in annual Instacart credits including $0 delivery fees with 3 months of complimentary Instacart+ and a $10 monthly Instacart credit.
    $120/yr
  • Southwest Rapid Rewards PremierEnrollment required
    Chase
    Up to $120 in Instacart credits annually with $0 delivery fees and 3 months complimentary Instacart+.
    $120/yr
  • Southwest Rapid Rewards PriorityEnrollment required
    Chase
    Up to $120 in annual Instacart credits ($0 delivery fees with 3 months of complimentary Instacart+ and $10 monthly credit)
    $120/yr
  • United BusinessEnrollment required
    Chase
    Up to $10 in monthly Instacart credits through December 31, 2027
    $120/yr
  • United Explorer
    Chase
    $10 monthly Instacart credit through 12/31/27
    $120/yr
Also comes with a complimentary membership at Instacart:
  1. #1
    Blue Cash Preferred
    American Express
    6% on groceries (up to $6,000/year, then 1%)
    U.S. supermarkets
    6%
  2. #2
    AAA Daily Advantage Visa Signature
    Comenity Capital Bank
    5% on groceries (up to $10,000/year, then 1%)
    Combined $500/year cash back cap with wholesale clubs and gas/EV-charging stations; 1% thereafter
    5%
  3. #3
    Chase Freedom Flexthis quarter
    Chase
    5% on groceries this quarter (Q4 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.
    Q4 2026: grocery stores (excluding Walmart and Target), dining, and donations to the American Red Cross
    5%
  4. #4
    American Express Gold
    American Express
    4x points on groceries (up to $25,000/year, then 1%)
    4.8%4x points
  5. #5
    Wyndham Rewards Earner Plus
    Barclays
    4x points on groceries
    4.0%4x points
  6. #6
    Wyndham Rewards Earner Premier
    Barclays
    4x points on groceries
    Excludes Target and Walmart
    4.0%4x points
  7. #7
    Wells Fargo Choice Privileges Select Mastercard
    Wells Fargo
    5x points on groceries
    3.5%5x points
  8. #8
    AAA Travel Advantage Visa Signature
    Comenity Capital Bank
    3% on groceries
    3%
  9. #9
    Air Canada Aeroplan
    Chase
    3x points on groceries
    Purchases posting through December 31, 2026 earn 3x, then 2x
    3.0%3x points
  10. #10
    Blue Cash Everyday
    American Express
    3% on groceries (up to $6,000/year, then 1%)
    U.S. supermarkets
    3%
  11. #11
    Capital One Savor Cash Rewards
    Capital One
    3% on groceries
    3%
  12. #12
    Capital One Savor Student Cash Rewards
    Capital One
    3% on groceries
    3%
  13. #13
    Capital One SavorOne Cash Rewards
    Capital One
    3% on groceries
    3%
  14. #14
    Citi Strata
    Citi
    3x points on groceries
    3.0%3x points
  15. #15
    Citi Strata Premier
    Citi
    3x points on groceries
    3.0%3x points
  16. #16
    Hilton Honors American Express Surpass
    American Express
    6x points on groceries
    U.S. supermarkets
    3.0%6x points
  17. #17
    Navy Federal More Rewards American Express
    Navy Federal
    3x points on groceries
    3.0%3x points
  18. #18
    USAA Cashback Rewards Plus
    USAA
    3% on groceries
    First $3,000/year
    3%
  19. #19
    Wyndham Rewards Earner
    Barclays
    3x points on groceries
    Excludes Target and Walmart; the 3x tier also covers eligible Wyndham Vacation Club purchases
    3.0%3x points
  20. #20
    Robinhood Gold
    Robinhood
    3% flat-rate cashback
    3%

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Last updated October 23, 2026

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