Instacart Mastercard

{
  "fact": {
    "unit": null,
    "field_key": "earn_rules",
    "value_kind": "structured_earn_rule",
    "evidence_quote": "Earn 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually*",
    "normalized_value": {
      "rules": [
        {
          "cap": {
            "amount": 6000,
            "period": "annual",
            "currency": "USD"
          },
          "rate": 5,
          "notes": "Starting April 30, 2025, you'll earn 5% Cash Back rewards total for each $1 of the first $6,000 spent annually",
          "scope": "on your first $6,000 spent annually",
          "category": "groceries",
          "multiplier": "%",
          "categoryRaw": "qualifying Instacart purchases",
          "evidenceQuote": "you'll earn 5% Cash Back rewards total for each $1 of the first $6,000 spent annually on qualifying purchases made using your card directly through Instacart.com or the Instacart mobile app"
        },
        {
          "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."
        },
        {
          "cap": null,
          "rate": 2,
          "notes": null,
          "scope": null,
          "category": "gas",
          "multiplier": "%",
          "categoryRaw": "gas stations",
          "evidenceQuote": "2% Cash Back: You'll earn 2% Cash Back rewards for each $1 spent on purchases in the following rewards categories: gas stations; dining at restaurants including restaurant orders on Instacart powered by Uber Eats, takeout and eligible delivery services; select streaming services."
        },
        {
          "cap": null,
          "rate": 2,
          "notes": null,
          "scope": null,
          "category": "dining",
          "multiplier": "%",
          "categoryRaw": "dining at restaurants including restaurant orders on Instacart powered by Uber Eats, takeout and eligible delivery services",
          "evidenceQuote": "2% Cash Back: You'll earn 2% Cash Back rewards for each $1 spent on purchases in the following rewards categories: gas stations; dining at restaurants including restaurant orders on Instacart powered by Uber Eats, takeout and eligible delivery services; select streaming services."
        },
        {
          "cap": null,
          "rate": 2,
          "notes": null,
          "scope": null,
          "category": "streaming",
          "multiplier": "%",
          "categoryRaw": "select streaming services",
          "evidenceQuote": "2% Cash Back: You'll earn 2% Cash Back rewards for each $1 spent on purchases in the following rewards categories: gas stations; dining at restaurants including restaurant orders on Instacart powered by Uber Eats, takeout and eligible delivery services; select streaming services."
        },
        {
          "cap": null,
          "rate": 1,
          "notes": null,
          "scope": null,
          "category": "everything_else",
          "multiplier": "%",
          "categoryRaw": "all other purchases",
          "evidenceQuote": "1% Cash Back: You'll earn 1% Cash Back rewards for each $1 spent on all other purchases."
        }
      ],
      "unknownCategoryRaw": [],
      "extractionCompleteness": "partial"
    },
    "normalized_fact_id": "45e6949c-3d1b-4329-ab99-c39ba3228d2b",
    "candidate_raw_value": {
      "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*"
        },
        {
          "cap": null,
          "rate": 5,
          "notes": null,
          "scope": null,
          "category": "travel_portal",
          "multiplier": "%",
          "categoryRaw": "Chase Travel purchases",
          "evidenceQuote": "5% cash back on Chase Travel purchases*"
        },
        {
          "cap": null,
          "rate": 2,
          "notes": "including orders on Instacart powered by Uber Eats",
          "scope": null,
          "category": "dining",
          "multiplier": "%",
          "categoryRaw": "restaurants",
          "evidenceQuote": "2% cash back at restaurants, 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 at restaurants, 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 at restaurants, 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.*"
        },
        {
          "cap": {
            "amount": 6000,
            "period": "annual",
            "currency": "USD"
          },
          "rate": 5,
          "notes": "Starting April 30, 2025, you'll earn 5% Cash Back rewards total for each $1 of the first $6,000 spent annually",
          "scope": "made using your card directly through Instacart.com or the Instacart mobile app",
          "category": "groceries",
          "multiplier": "%",
          "categoryRaw": "qualifying purchases made using your card directly through Instacart.com or the Instacart mobile app including Instacart memberships and subscriptions",
          "evidenceQuote": "you'll earn 5% Cash Back rewards total for each $1 of the first $6,000 spent annually on qualifying purchases made using your card directly through Instacart.com or the Instacart mobile app"
        },
        {
          "cap": null,
          "rate": 5,
          "notes": null,
          "scope": null,
          "category": "travel_portal",
          "multiplier": "%",
          "categoryRaw": "purchases made using your card through Chase Travel",
          "evidenceQuote": "5% Cash Back on Chase Travel: You'll earn 5% Cash Back rewards for each $1 spent on purchases made using your card through Chase Travel"
        },
        {
          "cap": null,
          "rate": 2,
          "notes": null,
          "scope": null,
          "category": "gas",
          "multiplier": "%",
          "categoryRaw": "gas stations",
          "evidenceQuote": "2% Cash Back: You'll earn 2% Cash Back rewards for each $1 spent on purchases in the following rewards categories: gas stations; dining at restaurants including restaurant orders on Instacart powered by Uber Eats, takeout and eligible delivery services; select streaming services."
        },
        {
          "cap": null,
          "rate": 2,
          "notes": null,
          "scope": null,
          "category": "dining",
          "multiplier": "%",
          "categoryRaw": "dining at restaurants including restaurant orders on Instacart powered by Uber Eats, takeout and eligible delivery services",
          "evidenceQuote": "2% Cash Back: You'll earn 2% Cash Back rewards for each $1 spent on purchases in the following rewards categories: gas stations; dining at restaurants including restaurant orders on Instacart powered by Uber Eats, takeout and eligible delivery services; select streaming services."
        },
        {
          "cap": null,
          "rate": 2,
          "notes": null,
          "scope": null,
          "category": "streaming",
          "multiplier": "%",
          "categoryRaw": "select streaming services",
          "evidenceQuote": "2% Cash Back: You'll earn 2% Cash Back rewards for each $1 spent on purchases in the following rewards categories: gas stations; dining at restaurants including restaurant orders on Instacart powered by Uber Eats, takeout and eligible delivery services; select streaming services."
        },
        {
          "cap": null,
          "rate": 1,
          "notes": null,
          "scope": null,
          "category": "everything_else",
          "multiplier": "%",
          "categoryRaw": "all other purchases",
          "evidenceQuote": "1% Cash Back: You'll earn 1% Cash Back rewards for each $1 spent on all other purchases."
        },
        {
          "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": null,
          "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"
        },
        {
          "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."
        },
        {
          "cap": null,
          "rate": 2,
          "notes": "including orders on Instacart powered by Uber Eats",
          "scope": null,
          "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."
        },
        {
          "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."
        },
        {
          "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."
        },
        {
          "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."
        }
      ],
      "droppedCount": 0,
      "extractionCompleteness": "complete"
    },
    "source_candidate_id": "729d1dc1-2a17-4158-8e11-a0a1f5fbd474",
    "source_evidence_text": "Earn 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually*\n5% cash back on Chase Travel purchases*\n2% cash back at restaurants, gas stations, and on select streaming services.*\nPlus, 1% cash back on all other purchases.*\nyou'll earn 5% Cash Back rewards total for each $1 of the first $6,000 spent annually on qualifying purchases made using your card directly through Instacart.com or the Instacart mobile app\n5% Cash Back on Chase Travel: You'll earn 5% Cash Back rewards for each $1 spent on purchases made using your card through Chase Travel\n2% Cash Back: You'll earn 2% Cash Back rewards for each $1 spent on purchases in the following rewards categories: gas stations; dining at restaurants including restaurant orders on Instacart powered by Uber Eats, takeout and eligible delivery services; select streaming services.\n1% Cash Back: You'll earn 1% Cash Back rewards for each $1 spent 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.*"
  },
  "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 fact adds and reclassifies reward rules beyond what the source candidate's evidence quote directly supports. In particular, the normalized value claims a 5% grocery/Instacart rule with the scope 'made using your card directly through Instacart.com or the Instacart mobile app' and adds a Chase Travel rule plus 2% dining/gas/streaming and 1% everything else rules. While these appear in the broader sourceEvidenceText, the specific source candidate evidenceQuote is only the first Instacart sentence, and the normalized fact also changes/merges category raw wording and includes a note about 'Starting April 30, 2025' not present in that quote. Because support must be direct for every meaningful normalized claim from the source candidate evidence, this is not fully supported by the source candidate as provided."
  },
  "evidence": {
    "source_url": null,
    "source_ref_id": "card_fact_support_review:a7dad1e3-5f0e-41e6-921a-f1bee49e3978:earn_rules:45e6949c-3d1b-4329-ab99-c39ba3228d2b:729d1dc1-2a17-4158-8e11-a0a1f5fbd474",
    "document_version_id": "06b43491-896e-4560-9f48-832fd4624892",
    "source_chunk_ordinal": 94
  },
  "card_name": "Instacart Mastercard",
  "issuer_id": "19dd054c-b2ef-4683-a963-ce95509dd5df",
  "schema_version": "fact_support_review:v1",
  "support_review": {
    "verdict": "unsupported",
    "confidence": "high",
    "explanation": "The normalized fact adds and reclassifies reward rules beyond what the source candidate's evidence quote directly supports. In particular, the normalized value claims a 5% grocery/Instacart rule with the scope 'made using your card directly through Instacart.com or the Instacart mobile app' and adds a Chase Travel rule plus 2% dining/gas/streaming and 1% everything else rules. While these appear in the broader sourceEvidenceText, the specific source candidate evidenceQuote is only the first Instacart sentence, and the normalized fact also changes/merges category raw wording and includes a note about 'Starting April 30, 2025' not present in that quote. Because support must be direct for every meaningful normalized claim from the source candidate evidence, this is not fully supported by the source candidate as provided.",
    "modelCalled": true,
    "errorMessage": null,
    "reviewedAtIso": "2026-07-06T00:25:59.490Z",
    "aiProviderError": null,
    "supportedClaims": [
      "Earn 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually"
    ],
    "evidenceSnippets": [
      "Earn 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually*"
    ]
  },
  "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."
  }
}