Best credit card to use at Instacart (October 2026)

The best card to use at Instacart is the Amex Blue Cash Preferred, which earns 6% cash back there.

Top cards at Instacart

1Blue Cash Preferred American Express6% cash back · Supermarkets
2Morgan Stanley Blue Cash Preferred American Express6% cash back · Supermarkets
3Instacart Mastercard Chase5% cash back · Instacart
4Platinum X5 Visa Signature Credit One Bank5% cash back · Supermarkets
5Pottery Barn Key Rewards Visa Capital One4% cash back · Supermarkets

Good to know

Often codes as online grocery, which unlocks Chase Sapphire Preferred's 3x.
Blue Cash Preferred's 6% is capped at $6k/yr.
Blue Cash Preferred: U.S. supermarkets.
Morgan Stanley Blue Cash Preferred's 6% is capped at $6k/yr.
Morgan Stanley Blue Cash Preferred: U.S. supermarkets.
Morgan Stanley Blue Cash Preferred: Only for clients with an eligible Morgan Stanley or E*TRADE account.

Ranked by what each card earns at Instacart, valuing points at their cash-out value. Closed, business and pick-your-own-category cards are left out. Rates checked against each issuer between October 4, 2026 and October 12, 2026.

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