Chase · Mastercard · personal · Cash back
Review the linked sources below for offer details and eligibility.
Earning
| Instacart (Online grocery / delivery)
Issuer wording: '5% Cash Back rewards total for each $1 of the first $6,000 spent annually on qualifying purchases made using your card directly through Instacart.com or the Instacart mobile app including Instacart memberships and subscriptions' (1% base + 4% bonus). 'Annually' = account-open date through the first December statement cycle, then each December-to-December statement year. After $6,000 the rate drops to 1%. Excludes restaurant orders on Instacart powered by Uber Eats (those earn 2% as dining), Instacart gift cards, and purchases made directly with Instacart's retail partners or through third-party providers. The $6,000 cap took effect April 30, 2025 (uncapped 5% before that).
up to $6,000/year, then 1%
|
5% | 5% |
| Chase Travel portal (Issuer travel portal)
Issuer wording: '5% Cash Back rewards for each $1 spent on purchases made using your card through Chase Travel' (chasetravel.com or by phone; flights, hotels, cars, cruises). Only the portion paid with the card (not points) earns; FROSCH by Chase Travel bookings do not earn 5%.
|
5% | 5% |
| Dining & restaurants
Issuer wording: 'dining at restaurants including restaurant orders on Instacart powered by Uber Eats, takeout and eligible delivery services'. Third-party delivery apps therefore also earn 2%. Excludes food vendors in stadiums/hotels/casinos/theme parks, bakeries, caterers and meal-kit services per Chase's Rewards Category FAQs.
|
2% | 2% |
| Gas stations
Issuer wording: 'gas stations' - gasoline paid at the pump or inside the station; excludes truck stops, marinas, oil/propane distributors and home heating companies.
|
2% | 2% |
| Streaming services
Issuer wording: 'select streaming services'. Chase's list: Apple Music, Apple TV, Disney+, ESPN+, Fubo TV, Max, Hulu, Netflix, Pandora, Paramount+, Peacock, Showtime, SiriusXM, Sling, Spotify, YouTube Premium, YouTube TV and Vudu.
|
2% | 2% |
| Everything else
Issuer wording: '1% Cash Back rewards for each $1 spent on all other purchases'. Cash back is tracked as points (100 points = $1).
|
1% | 1% |
Right column: value per $ at travel valuation (1¢/pt). Dollar-for-dollar.
Credits
None.
Benefits
- No annual fee — Annual fee: None (Chase pricing & terms).
- No foreign transaction fees — Foreign transaction fee: None.
- Pay with points on Instacart (up to $1,500 per redemption) — Points (100 = $1) can pay for all or part of an Instacart.com / app order up to $1,500 (150,000 points) per redemption, excluding Uber Eats restaurant orders; or redeem for statement credit / direct deposit with no minimum, or Chase Travel bookings at 1 cent per point. Points never expire while the account is open.
- Mastercard Instacart+ offer (3 free months + $10 off 2nd order monthly) — Not a card-specific benefit: as a US Mastercard the card is eligible for Mastercard's Instacart+ offer - 3 free months of Instacart+ then $10 off your second qualifying order ($10+) each month while enrolled, redeem by January 31, 2027 - but only if you were not an Instacart+ member at any time on or after Sept 1, 2025. Auto-renews at $99/yr or $9.99/mo after the free months. The card's original free year of Instacart+ is no longer advertised by Chase.
- World Elite Mastercard 24/7 concierge — Complimentary 24/7 concierge for reservations, gifts, event tickets and similar requests.
- Cell phone protection (World Elite) — Listed as a World Elite Mastercard benefit of this card at launch (CNBC Select) but not shown on Chase's current product page; standard World Elite terms are up to $800 per claim, $1,000 / 2 claims per 12 months when the wireless bill is paid with the card (Upgraded Points). Confirm in the Guide to Benefits before relying on it.
- Purchase protection — 120 days from purchase against damage or theft, up to $500 per item (AwardWallet cites $50,000 per account; 90 days for NY residents).
- Extended warranty protection — Extends eligible U.S. manufacturer warranties of three years or less by one additional year.
- Baggage delay insurance — Up to $100 per day for up to 3 days for essentials when checked baggage is delayed more than 6 hours.
- Lost luggage reimbursement — Up to $3,000 per covered traveler for lost or damaged checked or carry-on luggage.
- Travel accident insurance — Up to $500,000 accidental death or dismemberment coverage when the fare is paid with the card.
- Auto rental collision damage waiver (secondary) — Secondary to your personal auto insurance for theft/collision damage on eligible rentals paid with the card.
- Roadside assistance (pay-per-use) — 24/7 roadside dispatch; services rendered are billed to the card.
- Travel and emergency assistance services — Referral/coordination service; you pay for any services rendered.
- Chase Pay Over Time — Eligible purchases of $100+ can be split into fixed monthly payments (3-24 months) for a fixed monthly fee.
Protections
| purchase protection | 120 days from purchase (90 for NY), up to $500 per item; $50,000 per account per AwardWallet |
| extended warranty | +1 year on eligible U.S. manufacturer warranties of 3 years or less |
| baggage delay | Up to $100/day for up to 3 days after a 6-hour checked-bag delay |
| lost luggage | Up to $3,000 per covered traveler |
| rental car | secondary |
| cell phone | World Elite cell phone protection cited at launch (CNBC) but not on Chase's current page; standard World Elite terms up to $800 per claim, $1,000 / 2 claims per 12 months - unconfirmed for this card |
| roadside | Roadside assistance, pay-per-use (services billed to the card) |
| travel accident | Up to $500,000 accidental death & dismemberment |
Notes
Instacart's first co-brand card (announced Jan 2022, World Elite Mastercard issued by Chase; apply at TheInstacartMastercard.com - an Instacart account is required). Current earn (Rewards Program Agreement RPA0539 rev. 12/09/2025): 5% on Instacart app/site including Instacart+ membership fees, capped at $6,000 spend per (December-statement) year then 1% - the cap started April 30, 2025 (uncapped before); 5% Chase Travel (not FROSCH); 2% restaurants (incl. Uber Eats-powered restaurant orders on Instacart, takeout and delivery services), gas stations and select streaming; 1% else. 5% is NOT earned on Uber Eats restaurant orders placed via Instacart, Instacart gift cards, or purchases made directly with Instacart's retail partners. Cash back is tracked as points (1 cent each); redeem for statement credit/direct deposit (no minimum), Chase Travel, or at Instacart checkout (up to $1,500 per redemption). Welcome offer as of Sept 2026 is a $50 Instacart credit on approval with no spend; the launch-era free year of Instacart+ (auto-renewing at $99) is no longer shown on Chase's page, though several 2026 review sites (US News, WalletHub, US Credit Card Guide) still list it - treat as not included unless your offer says otherwise. Separate Mastercard-wide Instacart+ promo (3 free months + $10 off 2nd order monthly, redeem by 1/31/2027, only for people not Instacart+ members since 9/1/2025) can apply. This card is excluded from the Chase co-brand DashPass benefit and is not part of Ultimate Rewards (no pooling/transfers). Reported subject to Chase 5/24 (AwardWallet, US Credit Card Guide). APR 18.24%-27.74% variable; cash advance APR 28.49%; balance transfer fee $5 or 5%; cash advance $10 or 5%; late fee up to $40 (pricing & terms 12/16/2025). No intro APR.
Verified 2026-09-08 · confidence high · sources: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18