Chase instacart no longer 5% unlimited

[aedny1212]

so i  use allot  Instacart for my company I would say like 10 K a month and I used to use the CHASE Instacart credit card which gives you unlimited 5% cashback but now they got smart and they capped $6000 annually only for 5% ,

any other cards I can use for groceries?

besides Gold Amex and citi which is also limited

[Rebuild2019]

[ptatohed]

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@Rebuild2019 wrote:

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^^^

Also capped.  

[aedny1212]

Yes I forgot to mention I do have the AAA Visa card. I hope it would be other cards out there same 

I wonder if I could apply for this card second time ?

[ptatohed]

If you can check out using mobile wallet, you can get the 5% Kroger family cards.  They have caps but you can hold multiples.  

I don't think you can hold more than one AAA card.  

[xenon3030]

How much is your annual IC purchase? You can use multiple cards like BCP (6%), IC, AAA, 5% rotating categories, digital wallet cards (like Ralphs), BOA-CCR (3-5.5%) to reach a reasonably high cap that you want. All these cards have cap.

Amex Gold gives 4x up to 25k. It has a high AF, good for frequent travelers and the ones that can use small monthly credits and redeem the MR points for travels.

There are limited options for CB/point without cap. US Bank AR (4.5%, digital wallet; not open to new applicants), smartly (4%, needs a large asset at US Bank).

[GZG]

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@aedny1212 wrote:

so i  use allot  Instacart for my company I would say like 10 K a month and I used to use the CHASE Instacart credit card which gives you unlimited 5% cashback but now they got smart and they capped $6000 annually only for 5% ,

any other cards I can use for groceries?

besides Gold Amex and citi which is also limited

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that doesn't happen until April 30, 2025 though right? 

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@aedny1212 wrote:

Yes I forgot to mention I do have the AAA Visa card. I hope it would be other cards out there same 

I wonder if I could apply for this card second time ?

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unlikely, you can only have one or the other, I doubt they will let you have two of the same card

you're still earning unlimited 5% back until then, right?

[ElvisCaprice]

My experience with Instacart is that they jack up the prices, making any cash back a mute point.  Only time I make out with Instacart is on one of their 30 to 50 percent off promos.

[Komma]

You can regularly find Instacart gift cards at 10%+ off as well.

[KatzNDawgs]

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@ElvisCaprice wrote:

My experience with Instacart is that they jack up the prices, making any cash back a mute point.  Only time I make out with Instacart is on one of their 30 to 50 percent off promos.

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Agree. I used to use them a bunch and even with discounts, found that the increased base price vs actual in-store price difference and any delivery or tip fees made it so horribly a waste of money vs just using my time to go grab some stuff. I was a fan more around COVID times, but realized how much money I was wasting once I got into it as a habit and haven't used in ages.$$ well saved.