up to $ 15 per month

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Instacart


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  • Selected Chase credit card holders can now earn up to $ 15 in monthly credits for Instacart purchases.
  • This is in addition to the free Instacart + subscriptions previously announced on the Chase Sapphire, Freedom and Slate cards.
  • These new credits are a good way to save some money if you use Instacart anyway.
  • Read the Insider’s Guide to the Best Reward Credit Cards.

Chase’s recent launch of the Instacart Mastercard® is good news for people who shop frequently with Instacart. One free year of Instacart + and a $ 100 Instacart credit automatically upon approval. Not a bad bonus for a card with no annual fee.

However, unless you are a repeat customer, opening the Chase Instacart credit card may not make sense as its higher refund rate (5%) is reserved for Instacart purchases. But now, if you have other Chase credit cards, you can activate a free subscription to Instacart + and receive credits for Instacart purchases for a limited time.

Starting August 1, 2022, Sapphire, Freedom, and Slate cardholders get up to $ 15 monthly credit for Instacart purchases, depending on the card. This is in addition to the free Instacart + subscriptions previously announced on the same cards for up to one year.

Here’s what to know about these new Chase Instacart credits and how to sign up if you want to use the benefit.

We focus here on the rewards and benefits that come with each card. These cards won’t be worth it if you’re paying interest or overdue fees. When using a credit card, it’s important to pay your full balance each month, make payments on time, and only spend what you can afford to pay.

Chase and Instacart offer statement credits, Instacart + free

Regular April

18.49% – 25.49% variable

Recommended credit score

Good to excellent

Regular April

18.49% – 25.49% variable

Recommended credit score

Good to excellent

More information

  • New offer: Earn 60,000 bonus points after spending $ 4,000 on purchases in the first 3 months of opening your account. That’s $ 900 for travel when you redeem through Chase Ultimate Rewards®
  • Annual travel credit of $ 300 as a refund for travel purchases charged to the card each year of the account anniversary.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals by purchasing travel through Chase Ultimate Rewards® right after the first $ 300 has been spent annually on travel purchases. Earn 3 points on other trips and restaurants and 1 point for $ 1 spent on all other purchases
  • Get 50% more value when you redeem your points to travel via Chase Ultimate Rewards®. For example, 60,000 points are worth $ 900 for travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits on existing purchases in rotating selected categories
  • 1: 1 point transfer to major airline and hotel loyalty programs
  • Access to over 1,300 airport lounges worldwide after a simple one-time registration to Priority Pass ™ Select and up to $ 100 in subscription fee credit every four years for Global Entry, NEXUS or TSA PreCheck®
  • Count on travel cancellation / curtailment insurance, car rental collision damage waiver, lost luggage insurance and more

As you might expect, these new Instacart benefits are more generous on Chase cards that charge an annual fee. But even if you own a no-annual fee card like the popular Chase Freedom Flex℠ or Chase Freedom Unlimited®, you can still take advantage of it. Registration is required by July 31, 2024 and you can do it on Chase’s Instacart site.

The Instacart + subscription can save you a lot of money if you order from Instacart often. Usually, this service costs $ 99 per year (or $ 9.99 per month) and comes with free delivery on orders over $ 35 and reduced service fees.

Here is what you will receive with each card:

Chase Sapphire Reserve® credits are particularly generous, up to $ 15 per month. If you maximize this benefit, you can save up to $ 180 per year (not counting the $ 99 value from the Instacart + subscription). This can go a long way in helping offset the card’s $ 550 annual fee.

Otherwise, you’re looking for a maximum value of $ 60 per year with the Chase Sapphire Preferred® card ($ 95 in annual fee) or $ 40 per year with Freedom cards with no annual fee. That might not sound like much and probably isn’t reason enough to start using Instacart, but if you’re already an Instacart user, that’s a nice little savings.

How to activate Chase Instacart benefits

Cardholders must sign up for their free Instacart + membership and for accounting credits related to Instacart purchases; it is not automatic.

To activate, add your card details to your Instacart account; the registration option should be filled in after doing this.

Screenshot of Chase Sapphire Reserve's Instacart offer showing details of the free Instacart + membership and up to $ 15 per month in reporting credits.


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Also, be sure to set a calendar reminder to cancel before the expiration date of your free Instacart + subscription. If you do not intend to continue using it and forget to cancel it, your card will be charged for another full year of subscription at the current rate.

To take advantage of your statement, you will need to use your qualifying Chase card for your Instacart purchase. If you have multiple cards on their Instacart account, make sure you select the correct card before the transaction goes through, otherwise you won’t get the credit.

You can find out more about how to earn the most rewards for your grocery shopping in our guide to the best grocery credit cards.

Regular April

16.49% – 25.24% variable

Recommended credit score

Good to excellent

Regular April

16.49% – 25.24% variable

Recommended credit score

Good to excellent

More information

  • Introductory Offer: Earn an additional 1.5% cash back on everything you buy (up to $ 20,000 spent in the first year) – worth up to $ 300 in cash!
  • Enjoy 6.5% cash refund on travel purchased through Chase Ultimate Rewards®, our world-class rewards program that allows you to redeem rewards for cash, travel, gift cards and more; 4.5% refund on pharmacy purchases and restaurant meals, including eligible takeout and delivery, and 3% on all other purchases (up to $ 20,000 spent in the first year).
  • After the first year or $ 20,000 spent, enjoy 5% refund on Chase travel purchased through Ultimate Rewards®, 3% refund on pharmacy purchases and restaurant meals, including takeout and delivery eligible and an unlimited 1.5% refund on all other purchases.
  • No minimum to redeem for cash. You can choose to receive a bank statement or direct deposit into most US checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% introductory April for 15 months from account opening on purchases and balance transfers, then a variable April of 16.49% – 25.24%.
  • No Annual Fees – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep track of your credit status, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts and more.

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