Earlier this month, Chase added new Instacart benefits to a number of credit cards. While the credits are just $10 or $20 per month depending on which card you have, they can be used even when you’re using an Instacart balance to pay (so long as the backup card is a qualifying card).
Complimentary Instacart+ and monthly credits for United cardholders
You must first register your eligible cards at the link above. Note that when enrolling a business card, Instacart tries to get you to sign up for a business account with them. If you simply say “No” to that, the card and credits get added to your personal profile.
Most of the currently-available Chase United credit cards offer Instacart+ and a monthly credit, though the amounts vary. Keep in mind that you must register your eligible United cards at the link above and then you must select the card as the payment method or backup payment method for your order to use its associated credit.
Chase United Explorer & United Business cards
- Complimentary Instacart+ for 3 months
- $10 Instacart credit each month when you maintain Instacart+
- 25% off an annual Instacart+ membership renewal with your eligible card
Chase United Quest card
- Complimentary Instacart+ for 3 months
- $10 Instacart credit on your first order each month and $5 Instacart credit on your second order each month when you maintain Instacart+
- 50% off an annual Instacart+ membership renewal with your eligible card
Chase United Club and United Business Club cards
- Complimentary Instacart+
- Two $10 Instacart credits each month when using your card
Complimentary Instacart+ for 3 months and $10 monthly Instacart credit for other co-branded cardholders
You must first register your eligible cards at the link above. Note that when enrolling a business card, Instacart tries to get you to sign up for a business account with them. If you simply say “No” to that, the card and credits get added to your personal profile.
The following credit cards now offer complimentary Instacart+ for 3 months (must activate by 12/31/27) and a $10 monthly Instacart credit. Links below are to more information about each card, the link above is to register for this promotion.
- Aer Lingus Visa Signature
- British Airways Visa Signature
- Iberia Plus Visa Signature
- Aeroplan Card
- IHG Traveler Card
- IHG Premier Card
- IHG Premier Business Card
- Marriott Bonvoy Bold Card
- Marriott Bonvoy Boundless Card
- Marriott Bonvoy Bountiful Card
- Southwest Rapid Rewards Plus Card
- Southwest Rapid Rewards Premier Card
- Southwest Rapid Rewards Priority Card
- Southwest Rapid Rewards Premier Business Card
- Southwest Rapid Rewards Performance Business Credit Card
- World of Hyatt Credit Card
- World of Hyatt Business Credit Card
While the card is not listed above or on the landing page for the promotion, several readers in the comments have noted that the Chase Ritz-Carlton Visa Infinite cards are also getting this promotion.
Note that you need to set the qualifying card as the payment method or backup payment method in order to use the benefit. According to Doctor of Credit, the monthly credit does work in conjunction with using an existing Instacart balance, but I don’t think there is any way to combine credits from multiple of the above cards.
Complimentary Instacart+ and $20 monthly Instacart credit
Register your cards for this promotion here.
You must first register your eligible cards at the link above. Note that when enrolling a business card, Instacart tries to get you to sign up for a business account with them. If you simply say “No” to that, the card and credits get added to your personal profile.
The following credit cards now offer complimentary Instacart+ for 3 months (must enroll by 12/31/27) and a $20 monthly Instacart credit:
Getting a $20 monthly credit on a couple of credit cards with no annual fee certainly seems like a great deal for anyone who can make use of the benefit.
Stack for years of complimentary Instacart+
If you have many qualifying cards, note that you could end up with Instacart+ into 2027. That’s because by registering the cards at the promotional links below, each successive eligible card you register will add 3 more months of complimentary Instacart+ to your membership. In other words, my wife could register her Southwest Rapid Rewards Priority card, World of Hyatt card, Southwest Rapid Rewards Premier Business Card, and at least one Chase Ink Cash and Ink Business Unlimited card to end up with at least 15 months of Instacart+. If her Ritz card also work, that will be at least 18 months. Some folks will have even more eligible cards.
Keep in mind that only one of each card type is allowed. For example, if you happen to have two Marriott Boundless cards, you’d only receive three months free rather than six months. However, if you want to use the credit on a duplicate card, you could probably create a new Instacart account for that second card, though keep in mind that the credits rely on maintaining an Instacart_ membership.
Bottom line
The usefulness of these credits obviously depends on whether you use Instacart. If you are able to buy from some stores without a markup or use discounts to effectively reduce the markup (or you just like the convenience of delivery), getting this new benefit on a bunch of cards that you might have in your wallet is surely a nice enhancement. Keep in mind that the complimentary Instacart+ membership is only good for 3 months, after which you’ll be charged.
H/T: Doctor of Credit
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UPDATE: Added cards and then went back to register on each card using links and I now have a years worth of membership. Hope this helps someone.
it would help if u provided more details. which card and how many? just the 4 u mentioned earlier?
Registered 4 cards and only recieved 1 email saying my account was good thru Sept 11. Registered Disney,Hyatt, IHG, and Chase Ink Cash from these links. are these links dead?
used credit last month on my Ink UL and Ink Cash no problem. This month no credit found. anyone else?
yes. plenty. read other blogs, reddit and FT comments and join the convo. this thread seems dead and just lurkers. not sure why. maybe pple fed up w/ IC. i am too.
flyertalk.com/forum/chase-ultimate-rewards/2089505-chase-instacart-benefits.html
This is a pain and nobody at Chase or Instacart has any idea what’s going on. I registered four cards and only two of them are working. I spent way too much time on this.
FYI.
i have issues w/ stacking credits per family of chase card IC+ offers. eg al UA cards. all other co-brands. all inks.
eg i can only redeem promos for 1 card in each family. additional credits do NOT show up even tho it should be credits PER CARD.
i have multiple cards in each family of IC+ offers. but i have only redeemed a total of 3 offers. 1 per family group. no other credits show up.
furthermore, i am not allowed to register more cards for IC+ extension. maxed at 6 cards. 2 per family.
i get the error:
This card type has already been used to redeem this offer. Please try a different Chase card.
anyone else?
Can I add P2 cards to my account or does that need to be a separate Instacart account? I tried to add and it says “Something went wrong”. But that happened for one of mine too
I tried putting P2 under mine and kept getting Something went wrong. Then I tried separate account for P2, but still Something went wrong for all cards. Also, on mine I get two $20 credits for 2 ink biz. However, two IHG cards seem to only get one $10 credit despite extending Insta+ for 3 months each.
hey @Nick Reyes. love your stuff. amazing work my man.
wanted to give you FYI that a few things should be added to this post:
1) add some background related to past IC+ promo w/ CSR cuz its no longer included in this round.
2) pretty sure all chase marriott cards are included. eg ritz.
3) the UA cards are very different:
A) http://www.instacart.com/company/updates/flying-high-instacart-teams-up-with-chase-united-to-bring-exclusive-benefits-to-the-united-mileageplus-credit-cards
B) http://www.instacart.com/p/chase-united
C) http://www.instacart.com/help/section/639415266/2899125234
4) IC+ also includes:
Subscription to PeacockSubscription to New York Times Cooking
Only annual Instacart+ members can redeem a coupon for a one-year complimentary subscription to New York Times Cooking available upon activation of the offer valid through 05/30/25 at 11:59PM PT.
5) there seems to be issues redeeming multiple credits from multiple cards per month. the cards do register via the special links in the post and sub expiration is extended but credits are not showing up to redeem after the 1st one is used on the account. we need more DPs.
FYI, if you have the old Marriott premier plus business card. It will add 3 months to your IC+ membership. But it does not have any monthly credits. Just added mine and my IC+ got pushed out 3 months. I believe some folks on the FM team have that card. Cant remember who. Be great if someone on FM can confirm. Hope this helps someone
added mine and my IC+ did not get pushed out 🙁
Current list of cards from Instacart
Eligible Chase Cards
Marriot Bonvoy
• Marriot Bonvoy Boundless® Credit Card • Marriot Bonvoy Bountiful™ Credit Card • Marriot Bonvoy Bold® Credit Card • Ritz-Carlton™ Credit Card
Southwest
• Southwest Rapid Rewards® Priority Credit Card • Southwest Rapid Rewards® Premier Credit Card • Southwest Rapid Rewards® Performance Business Credit Card • Southwest Rapid Rewards® Premier Business Credit Card
IHG One Rewards
• IHG One Rewards Premier Credit Card • IHG One Rewards Traveler Credit Card • IHG One Rewards Premier Business Credit Card
Disney
• Disney® Premier Visa® Card • Disney® Visa® Card
World of Hyatt
• World of Hyatt Credit Card • World of Hyatt Business Credit Card
Other Co-brand Cards
• Aer Lingus Visa Signature® Credit Card • Aeroplan® Card • British Airways Visa Signature® Credit Card • Iberia Visa Signature® Credit Card
The OG IHG One Rewards Select also added 3 months.
I added Ritz, Hyatt, IHG, Ink Cash…membership only extended 3 months, not cumulative as described. ?that part dead
Look at the emails you get. They should show the 3 month extensions.
You need to register them from the registration page. I have 15 months total added to my IC+ membership. They stack.
Adding the cards do nothing.
I added two business cards. Business, cash, and business unlimited. On the app only one shows up as $20. Am I supposed to be getting 2?
yes, you just need to change the payment method, you will see the $20 credit. I have the same as you. Well done. I used $20 on biz card 1 on an order. placed a 2nd order using biz card 2. $20 showed up again. hope this helps
I have both of those cards and only one is working
so i registered all my cards, got extended 3 months for each type of card only. and the credit is once per type of card. . need to see if i have to open another instacart account or can use each of the credit in separate orders on the same instacart account.
FYI, The Ritz Carlton card is also eligible for this offer.
People may feel differently, but I’m not signing up for a $30 benefit with automatic renewal. Too much trouble to remember to use it three times, then cancel. Onward marches the couponization of card benefits. Thanks for the tip, but I’m passing this time.
To each his own. I am got 15 months of IC+. $60 a month credits. From now until Dec 2027. That is $1920 free groceries. After paying for IC+ at $74 a year in 2026 and 2027, $1920-$74-$74 =$1772. To me that is worth the effort setting it up. Your tax bracket is probably high enough that this is chump change for you. Good for you. I guarantee you the couponization is an evolution, one that we are powerless to stop. Your choice to join the march or not. One can say the same thing about travel hacking via points (too much trouble).
You’ve inspired me to take another look. Some things that need to be factored in are number of cards, tips, annual fees, and personal preference for choosing what I’m buying for myself in person. I’ve never gone for shopping services; I found it a necessary evil during covid. I know that some of my cards achieve their advertised value via couponization, but I discount that heavily in my own get/cancel/keep assessments. I’m mainly in the game to take great trips – achieved primarily through sign-up bonuses – and if monthly dribbles of benefits are the main reason to keep a given card, I probably won’t. Canceling cards can also get the clock ticking in some cases on the next sign-up. But yes I see you’re getting value out of it.
You also get Peacock streaming for free via the complimentary Instacard+ membership.
For what it’s worth, I added Marriott and IHG cards which gave a total of 6 months of Instacart+, but only one $10 credit.
On a separate business account, I added an Ink Cash and Ink Unlimited which gave 6 months total Instacart+ and two separate $20 credits.
I used one of my $10 credits already this month and it’s not letting me use any more credits on other orders. Has anyone else had that experience?
Yeah I had already used one when I added the second card. But the second one just didn’t show up for me
A chat agent told me you can only use 1 credit a month per instacart account so maybe she was right.
agents at IC are wholly useless. I talked to them for 2 hours about having trouble activating the cards for the monthly credits promo. They are totally clueless. eventually i had to troubleshoot on my own to get my cards activated and benefits registered
They are awful. I’m sure they’re sick of it. I’ve either been hung up on or disconnected by chat six times now.
How did you get your cards activated? I got my Hyatt card activated with no problem, but my Ink Bus Cash keeps getting a message that the card isn’t eligible for this offer.
Never mind, I found the link I needed to use for the business card below 🙂
I suggest if you see add a pop when adding an Ink card to open a business account to look below it to shop for now and the Ink will just be attached to the personal account and easier to use. If you want to use the $20 credit just select Ink card as payment.
I made the mistake of opening a business account and now it just errors saying that I must be an instacart+ member to be eligible. I am IC+ member. I’ve tried to go back through to look for the shop for now below the activate button and I don’t see it. Any other suggestions? I’d like to get the $20 from each of my ink cards
Found this link on reddit that allowed me to add the Ink credit to personal account.
https://www.instacart.com/store/account/instacart-plus?action=partnership_modal&partnership=chase_business&acc_type=personal