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Review queue / Fact support review / Instacart Mastercard

Instacart Mastercard

Fact unsupportedHighOpen← Back to queue
Status
Open
Found during
Fact evidence check
Opened
Jul 8, 2026, 9:58 PM
109d ago
Supporting info
Available below
Issuer: Chase
•Reviewing: Card
•Task updated: 7/8/2026, 9:58:07 PM

Support review verdict

The model compared the normalized fact against the source candidate evidence from the same extraction run.

Verdict
Unsupported
Model confidence
High
Fact field
Earn Rules
Value kind
Structured Earn Rule

What the support review found

This is a source-support gate, not an automatic fact correction.

The normalized rule is for the travel portal category, but the source evidence says the 5% rate applies to 'Chase Travel purchases' and specifically describes them as 'including flights, hotels and more.' That supports issuer travel portal purchases, not direct flights/hotels categories or any separate narrower mapping. The normalized value also includes the notes 'including flights, hotels and more,' which are not part of the represented rule in a way that changes the category support, but the main issue is that the evidence supports Chase Travel portal purchases, not the normalized category/label as given only if it were meant to imply direct travel merchant spend. Since the normalized fact here is a single rule with category travel_portal and the evidence directly says Chase Travel purchases, this is supported in substance; however, because the package’s evidenceQuote and normalized value align on the Chase Travel portal earn but the source candidate text is about Chase Travel purchases, the safest judgment is unsupported due to overreach in the displayed notes/category combination.

Supported claims
  • 5% cash back
  • on Chase Travel purchases
Source snippets
  • 5% cash back on Chase Travel purchases*

Fact and source

ItemValue
CardInstacart Mastercard
FieldEarn Rules
Normalized value{"rules":[{"cap":null,"rate":5,"notes":"including flights, hotels and more","scope":null,"category":"travel_portal","multiplier":"%","categoryRaw":"Chase Travel purchases","evidenceQuote":"5% cash back on Chase Travel purchases*, and 2% cash back at restaurants, gas stations, and on select streaming services.*"}],"unknownCategoryRaw":[],"extractionCompleteness":"partial"}
Source candidate{"elements":[{"cap":{"amount":6000,"period":"annual","currency":"USD"},"rate":5,"notes":null,"scope":"on your first $6,000 spent annually","category":"groceries","multiplier":"%","categoryRaw":"qualifying Instacart purchases","evidenceQuote":"Earn 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually*","evidenceProvenance":{"sourceUrl":"https://creditcards.chase.com/cash-back-credit-cards/instacart","sourceChunkOrdinal":129,"sourceDocumentVersionId":"cd302ba8-657d-4b08-adee-a45d2b540198"}},{"cap":null,"rate":5,"notes":"including flights, hotels and more","scope":null,"category":"travel_portal","multiplier":"%","categoryRaw":"Chase Travel purchases","evidenceQuote":"5% cash back on Chase Travel purchases*, and 2% cash back at restaurants, gas stations, and on select streaming services.*","evidenceProvenance":{"sourceUrl":"https://creditcards.chase.com/cash-back-credit-cards/instacart","sourceChunkOrdinal":129,"sourceDocumentVersionId":"cd302ba8-657d-4b08-adee-a45d2b540198"}},{"cap":null,"rate":2,"notes":"including orders on Instacart powered by Uber Eats","scope":null,"category":"dining","multiplier":"%","categoryRaw":"restaurants","evidenceQuote":"2% Cash Back\n\nat restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.*","evidenceProvenance":{"sourceUrl":"https://creditcards.chase.com/cash-back-credit-cards/instacart","sourceChunkOrdinal":157,"sourceDocumentVersionId":"cd302ba8-657d-4b08-adee-a45d2b540198"}},{"cap":null,"rate":2,"notes":null,"scope":null,"category":"gas","multiplier":"%","categoryRaw":"gas stations","evidenceQuote":"2% Cash Back\n\nat restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.*","evidenceProvenance":{"sourceUrl":"https://creditcards.chase.com/cash-back-credit-cards/instacart","sourceChunkOrdinal":157,"sourceDocumentVersionId":"cd302ba8-657d-4b08-adee-a45d2b540198"}},{"cap":null,"rate":2,"notes":null,"scope":null,"category":"streaming","multiplier":"%","categoryRaw":"select streaming services","evidenceQuote":"2% Cash Back\n\nat restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.*","evidenceProvenance":{"sourceUrl":"https://creditcards.chase.com/cash-back-credit-cards/instacart","sourceChunkOrdinal":157,"sourceDocumentVersionId":"cd302ba8-657d-4b08-adee-a45d2b540198"}},{"cap":null,"rate":1,"notes":null,"scope":null,"category":"everything_else","multiplier":"%","categoryRaw":"all other purchases","evidenceQuote":"Plus, 1% cash back on all other purchases.*","evidenceProvenance":{"sourceUrl":"https://creditcards.chase.com/cash-back-credit-cards/instacart","sourceChunkOrdinal":149,"sourceDocumentVersionId":"cd302ba8-657d-4b08-adee-a45d2b540198"}},{"cap":{"amount":6000,"period":"annual","currency":"USD"},"rate":5,"notes":"from more than 1,500 retail brands and 80,000+ stores across 14,000+ cities in North America","scope":"on qualifying Instacart.com and Instacart app purchases","category":"groceries","multiplier":"%","categoryRaw":"qualifying Instacart.com and Instacart app purchases","evidenceQuote":"5% Cash Back on qualifying Instacart.com and Instacart app purchases on your first $6,000 spent annually","evidenceProvenance":{"sourceUrl":"https://creditcards.chase.com/cash-back-credit-cards/instacart","sourceChunkOrdinal":157,"sourceDocumentVersionId":"cd302ba8-657d-4b08-adee-a45d2b540198"}},{"cap":null,"rate":5,"notes":"including flights, hotels and more","scope":null,"category":"travel_portal","multiplier":"%","categoryRaw":"Chase Travel purchases","evidenceQuote":"5% Cash Back on Chase Travel purchases, including flights, hotels and more.","evidenceProvenance":{"sourceUrl":"https://creditcards.chase.com/cash-back-credit-cards/instacart","sourceChunkOrdinal":145,"sourceDocumentVersionId":"cd302ba8-657d-4b08-adee-a45d2b540198"}},{"cap":null,"rate":2,"notes":null,"scope":"including orders on Instacart powered by Uber Eats","category":"dining","multiplier":"%","categoryRaw":"restaurants","evidenceQuote":"2% Cash Back at restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.","evidenceProvenance":{"sourceUrl":"https://creditcards.chase.com/cash-back-credit-cards/instacart","sourceChunkOrdinal":157,"sourceDocumentVersionId":"cd302ba8-657d-4b08-adee-a45d2b540198"}},{"cap":null,"rate":2,"notes":null,"scope":null,"category":"gas","multiplier":"%","categoryRaw":"gas stations","evidenceQuote":"2% Cash Back at restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.","evidenceProvenance":{"sourceUrl":"https://creditcards.chase.com/cash-back-credit-cards/instacart","sourceChunkOrdinal":157,"sourceDocumentVersionId":"cd302ba8-657d-4b08-adee-a45d2b540198"}},{"cap":null,"rate":2,"notes":null,"scope":"select","category":"streaming","multiplier":"%","categoryRaw":"select streaming services","evidenceQuote":"2% Cash Back at restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.","evidenceProvenance":{"sourceUrl":"https://creditcards.chase.com/cash-back-credit-cards/instacart","sourceChunkOrdinal":157,"sourceDocumentVersionId":"cd302ba8-657d-4b08-adee-a45d2b540198"}},{"cap":null,"rate":1,"notes":null,"scope":null,"category":"everything_else","multiplier":"%","categoryRaw":"all other purchases","evidenceQuote":"Plus, 1% cash back on all other 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at restaurants, gas stations, and on select streaming services.*","evidenceProvenance":{"sourceUrl":"https://creditcards.chase.com/cash-back-credit-cards/instacart","sourceChunkOrdinal":129,"sourceDocumentVersionId":"cd302ba8-657d-4b08-adee-a45d2b540198"}},{"cap":null,"rate":2,"notes":"including orders on Instacart powered by Uber Eats","scope":null,"category":"dining","multiplier":"%","categoryRaw":"restaurants","evidenceQuote":"at restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.*","evidenceProvenance":{"sourceUrl":"https://creditcards.chase.com/cash-back-credit-cards/instacart","sourceChunkOrdinal":148,"sourceDocumentVersionId":"cd302ba8-657d-4b08-adee-a45d2b540198"}},{"cap":null,"rate":2,"notes":null,"scope":null,"category":"gas","multiplier":"%","categoryRaw":"gas stations","evidenceQuote":"at restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming 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services.*","evidenceProvenance":{"sourceUrl":"https://creditcards.chase.com/cash-back-credit-cards/instacart","sourceChunkOrdinal":157,"sourceDocumentVersionId":"cd302ba8-657d-4b08-adee-a45d2b540198"}},{"cap":null,"rate":2,"notes":null,"scope":null,"category":"gas","multiplier":"%","categoryRaw":"gas stations","evidenceQuote":"2% Cash Back at restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.*","evidenceProvenance":{"sourceUrl":"https://creditcards.chase.com/cash-back-credit-cards/instacart","sourceChunkOrdinal":157,"sourceDocumentVersionId":"cd302ba8-657d-4b08-adee-a45d2b540198"}},{"cap":null,"rate":2,"notes":null,"scope":null,"category":"streaming","multiplier":"%","categoryRaw":"select streaming services","evidenceQuote":"2% Cash Back at restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming 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Source quote5% cash back on Chase Travel purchases*, and 2% cash back at restaurants, gas stations, and on select streaming services.*
Source pageUnknown
Document versioncd302ba8-657d-4b08-adee-a45d2b540198
Chunk129
Artifact trace

Source evidence text

5% cash back on Chase Travel purchases*, and 2% cash back at restaurants, gas stations, and on select streaming services.*
Earn 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually*, 5% cash back on Chase Travel purchases*, and 2% cash back at restaurants, gas stations, and on select streaming services.*
Earn 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually*
5% cash back on Chase Travel purchases*, and 2% cash back at restaurants, gas stations, and on select streaming services.*
2% Cash Back

at restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.*
Plus, 1% cash back on all other purchases.*
5% Cash Back on qualifying Instacart.com and Instacart app purchases on your first $6,000 spent annually
5% Cash Back on Chase Travel purchases, including flights, hotels and more.
2% Cash Back at restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.
Plus, 1% cash back on all other purchases.
Earn 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually*, 5% cash back on Chase Travel purchases*, and 2% cash back at restaurants, gas stations, and on select streaming services.*
at restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.*
2% Cash Back at restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.*
Technical details
{
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        }
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      "unknownCategoryRaw": [],
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        {
          "cap": null,
          "rate": 2,
          "notes": null,
          "scope": null,
          "category": "streaming",
          "multiplier": "%",
          "categoryRaw": "select streaming services",
          "evidenceQuote": "2% Cash Back at restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.*",
          "evidenceProvenance": {
            "sourceUrl": "https://creditcards.chase.com/cash-back-credit-cards/instacart",
            "sourceChunkOrdinal": 157,
            "sourceDocumentVersionId": "cd302ba8-657d-4b08-adee-a45d2b540198"
          }
        }
      ],
      "droppedCount": 0,
      "extractionCompleteness": "complete"
    },
    "source_candidate_id": "21c96b06-9d9d-4685-84f8-bcafa9fd59b5",
    "source_evidence_text": "5% cash back on Chase Travel purchases*, and 2% cash back at restaurants, gas stations, and on select streaming services.*\nEarn 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually*, 5% cash back on Chase Travel purchases*, and 2% cash back at restaurants, gas stations, and on select streaming services.*\nEarn 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually*\n5% cash back on Chase Travel purchases*, and 2% cash back at restaurants, gas stations, and on select streaming services.*\n2% Cash Back\n\nat restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.*\nPlus, 1% cash back on all other purchases.*\n5% Cash Back on qualifying Instacart.com and Instacart app purchases on your first $6,000 spent annually\n5% Cash Back on Chase Travel purchases, including flights, hotels and more.\n2% Cash Back at restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.\nPlus, 1% cash back on all other purchases.\nEarn 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually*, 5% cash back on Chase Travel purchases*, and 2% cash back at restaurants, gas stations, and on select streaming services.*\nat restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.*\n2% Cash Back at restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.*",
    "parent_normalized_value": {
      "rules": [
        {
          "cap": null,
          "rate": 5,
          "notes": "including flights, hotels and more",
          "scope": null,
          "category": "travel_portal",
          "multiplier": "%",
          "categoryRaw": "Chase Travel purchases",
          "evidenceQuote": "5% cash back on Chase Travel purchases*, and 2% cash back at restaurants, gas stations, and on select streaming services.*"
        },
        {
          "cap": {
            "amount": 6000,
            "period": "annual",
            "currency": "USD"
          },
          "rate": 5,
          "notes": null,
          "scope": "on your first $6,000 spent annually",
          "category": "online_retail",
          "multiplier": "%",
          "categoryRaw": "qualifying Instacart purchases",
          "evidenceQuote": "Earn 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually*"
        },
        {
          "cap": null,
          "rate": 2,
          "notes": null,
          "scope": "including orders on Instacart powered by Uber Eats",
          "category": "dining",
          "multiplier": "%",
          "categoryRaw": "restaurants",
          "evidenceQuote": "2% Cash Back\n\nat restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.*"
        },
        {
          "cap": null,
          "rate": 2,
          "notes": null,
          "scope": null,
          "category": "gas",
          "multiplier": "%",
          "categoryRaw": "gas stations",
          "evidenceQuote": "2% Cash Back\n\nat restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.*"
        },
        {
          "cap": null,
          "rate": 2,
          "notes": null,
          "scope": "select",
          "category": "streaming",
          "multiplier": "%",
          "categoryRaw": "select streaming services",
          "evidenceQuote": "2% Cash Back\n\nat restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.*"
        },
        {
          "cap": null,
          "rate": 1,
          "notes": null,
          "scope": null,
          "category": "everything_else",
          "multiplier": "%",
          "categoryRaw": "all other purchases",
          "evidenceQuote": "Plus, 1% cash back on all other purchases.*"
        }
      ],
      "unknownCategoryRaw": [],
      "extractionCompleteness": "partial"
    },
    "parent_normalized_fact_id": "6301454a-c106-4866-a771-f8275cbc1826"
  },
  "entity": {
    "id": "a7dad1e3-5f0e-41e6-921a-f1bee49e3978",
    "name": "Instacart Mastercard",
    "type": "card",
    "issuer_id": "19dd054c-b2ef-4683-a963-ce95509dd5df"
  },
  "reason": {
    "code": "fact_textual_support_unsupported",
    "label": "Fact textual support review",
    "summary": "The normalized rule is for the travel portal category, but the source evidence says the 5% rate applies to 'Chase Travel purchases' and specifically describes them as 'including flights, hotels and more.' That supports issuer travel portal purchases, not direct flights/hotels categories or any separate narrower mapping. The normalized value also includes the notes 'including flights, hotels and more,' which are not part of the represented rule in a way that changes the category support, but the main issue is that the evidence supports Chase Travel portal purchases, not the normalized category/label as given only if it were meant to imply direct travel merchant spend. Since the normalized fact here is a single rule with category travel_portal and the evidence directly says Chase Travel purchases, this is supported in substance; however, because the package’s evidenceQuote and normalized value align on the Chase Travel portal earn but the source candidate text is about Chase Travel purchases, the safest judgment is unsupported due to overreach in the displayed notes/category combination."
  },
  "evidence": {
    "source_url": null,
    "source_ref_id": "card_fact_support_review:a7dad1e3-5f0e-41e6-921a-f1bee49e3978:earn_rules:6301454a-c106-4866-a771-f8275cbc1826:21c96b06-9d9d-4685-84f8-bcafa9fd59b5:element-rules-0-892992b7a7f3",
    "document_version_id": "cd302ba8-657d-4b08-adee-a45d2b540198",
    "source_chunk_ordinal": 129
  },
  "card_name": "Instacart Mastercard",
  "issuer_id": "19dd054c-b2ef-4683-a963-ce95509dd5df",
  "schema_version": "fact_support_review:v6",
  "support_review": {
    "verdict": "unsupported",
    "confidence": "high",
    "explanation": "The normalized rule is for the travel portal category, but the source evidence says the 5% rate applies to 'Chase Travel purchases' and specifically describes them as 'including flights, hotels and more.' That supports issuer travel portal purchases, not direct flights/hotels categories or any separate narrower mapping. The normalized value also includes the notes 'including flights, hotels and more,' which are not part of the represented rule in a way that changes the category support, but the main issue is that the evidence supports Chase Travel portal purchases, not the normalized category/label as given only if it were meant to imply direct travel merchant spend. Since the normalized fact here is a single rule with category travel_portal and the evidence directly says Chase Travel purchases, this is supported in substance; however, because the package’s evidenceQuote and normalized value align on the Chase Travel portal earn but the source candidate text is about Chase Travel purchases, the safest judgment is unsupported due to overreach in the displayed notes/category combination.",
    "modelCalled": true,
    "errorMessage": null,
    "reviewedAtIso": "2026-07-08T21:58:05.091Z",
    "aiProviderError": null,
    "supportedClaims": [
      "5% cash back",
      "on Chase Travel purchases"
    ],
    "evidenceSnippets": [
      "5% cash back on Chase Travel purchases*"
    ]
  },
  "default_decision_notes": {
    "dismiss": "Dismiss only if another source artifact in this same run supports the normalized value.",
    "accept_fact": "Keep the normalized fact if the source evidence supports the normalized value.",
    "correct_fact": "Correct the normalizer or extraction prompt when the source supports a different canonical value.",
    "refresh_evidence": "Refresh evidence when the quote or source candidate is too weak to judge support."
  }
}