JPMorgan Chase Bank

JPMorgan Chase Bank Instacart Mastercard ®

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Pricing Information Interest Rates and Interest Charges Purchase Annual Percentage Rate (APR) 18.49% to 27.99% , based on your creditworthiness and other factors. These APRs will vary with the market based on the Prime Rate. a My Chase Loan SM APR 18.49% to 27.99% , based on your creditworthiness and other factors. These APRs will vary with the market based on the Prime Rate. a Promotional offers with fixed APRs and varying durations may be available from time to time on some accounts. Balance Transfer APR 18.49% to 27.99% , based on your creditworthiness and other factors. These APRs will vary with the market based on the Prime Rate. a Cash Advance APR 28.74% . This APR will vary with the market based on the Prime Rate. b Penalty APR and When It Applies Up to 29.99% . This APR will vary with the market based on the Prime Rate. c We may apply the Penalty APR to your account if you: fail to make a Minimum Payment by the date and time that it is due; or make a payment to us that is returned unpaid. How Long Will the Penalty APR Apply?: If we apply the Penalty APR for either of these reasons, the Penalty APR could potentially remain in effect indefinitely. How to Avoid Paying Interest on Purchases Your due date will be a minimum of 21 days after the close of each billing cycle. We will not charge you interest on new purchases if you pay your entire balance or Interest Saving Balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. Minimum Interest Charge None Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Note: This account may not be eligible for balance transfers. How We Will Calculate Your Balance: We use the daily balance method (including new transactions). Prime Rate: Variable APRs are based on the 7.00% Prime Rate as of 9/22/2026. a We add 11.49% to 20.99% to the Prime Rate to determine the Purchase/My Chase Loan/Balance Transfer APR. Maximum APR 29.99%. b We add 21.74% to the Prime Rate to determine the Cash Advance APR. Maximum APR 29.99%. c We add up to 26.99% to the Prime Rate to determine the Penalty APR. Maximum APR 29.99%. d Chase Pay Over Time Fee. The Chase Pay Over Time Fee (formerly called the My Chase Plan Fee) is calculated at the time each plan is created, and is based on the amount of each purchase transaction or account balance selected to create the plan, the number of billing periods over which you choose to pay the balance in full, and other factors. The monthly and aggregate dollar amount of your Chase Pay Over Time Fee will be disclosed during the activation of each plan. Chase Pay Over Time plan balances that have a Chase Pay Over Time Fee will not be subject to interest after plan activation. MILITARY LENDING ACT NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive this information and a description of your payment obligation verbally, please call 1-800-235-9978.