Instacart Mastercard® Rewards Calculator
On a typical $2,400/month spending mix, the Instacart Mastercard® earns about $352 a year — an effective 1.22% back.
Rate caveats: 5% on Instacart.
Light spender — $1,200/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $220 | 1x | $26 |
| Dining | $140 | 2x | $34 |
| Travel | $70 | 1x | $8 |
| Gas & transit | $100 | 2x | $24 |
| Online shopping | $120 | 1x | $14 |
| Streaming | $20 | 2x | $5 |
| Everything else | $530 | 1x | $64 |
| Total | $1,200 | 1.22% | $175 |
Typical spender — $2,400/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $430 | 1x | $52 |
| Dining | $290 | 2x | $70 |
| Travel | $140 | 1x | $17 |
| Gas & transit | $190 | 2x | $46 |
| Online shopping | $240 | 1x | $29 |
| Streaming | $50 | 2x | $12 |
| Everything else | $1,060 | 1x | $127 |
| Total | $2,400 | 1.22% | $352 |
Heavy spender — $4,500/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $810 | 1x | $97 |
| Dining | $540 | 2x | $130 |
| Travel | $270 | 1x | $32 |
| Gas & transit | $360 | 2x | $86 |
| Online shopping | $450 | 1x | $54 |
| Streaming | $90 | 2x | $22 |
| Everything else | $1,980 | 1x | $238 |
| Total | $4,500 | 1.22% | $659 |
Try your own numbers
$430
$290
$140
$190
$240
$50
$1060
$2,400/mo → $352/yr with the Instacart Mastercard® (1.22% back)
How it stacks up in cash back
- Instacart Mastercard®: $352/yr
- Robinhood Gold Card : $864/yr on the same spending
- Alliant Cashback Visa® Signature Card : $720/yr on the same spending
- Blue Cash Preferred® Card from American Express : $622/yr on the same spending
Source: 67.credit, “Instacart Mastercard® Rewards Calculator”, rates verified 2026-05-12 — 67.credit/card/instacart-mastercard/calculator