Free Instacart+ and $20/month in credits with a business Mastercard

There is a new Instacart promotion offering three months of free Instacart+ to “eligible” business Mastercard holders who enroll. More exciting is that enrollees also receive $20 in credits per month through January 2027, starting with their second monthly order.

Instacart promos are fairly common these days, but a nice feature of this one is that it stacks with a $10/month promo for Chase cards (and probably others) for a total of $30/month of Instacart orders on eligible cards.

The Deal

• Get free Instacart+ and $20/month off of your second order when you enroll using an eligible small business Mastercard
  • Free Instcart+ last for three months
  • $20/month credit lasts through 1/31/27
  • Stacks with this promo from Chase (and probably others)
  • Card eligibility is determined at enrollment

Direct Link to Offer

Terms and Conditions

3 months free Instacart+

• This offer for three months of free Instacart+ membership (the “Mastercard Instacart+ Offer”) is available to you if you currently have an eligible US Mastercard® small business credit or debit card and do not have an active Instacart+ membership on or after September 1, 2025 (with the exception of certain free Instacart+ trials offered by Instacart).
• To redeem this Mastercard Instacart+ Offer, you must add an eligible Mastercard to your Instacart account.
• Card eligibility will be confirmed when you redeem the offer. This offer expires January 31, 2027.
• The Mastercard Instacart+ Offer is valid for only one eligible Mastercard card per Instacart account and entitles the primary cardmember to three free months of an Instacart+ membership if eligible. If you are determined to be eligible for the Mastercard Instacart+ Offer, Instacart+ will be automatically applied to your Instacart account upon redemption.

$20 per month in Instacart credits

• Eligible US Mastercard® small business credit cardholders who are new to Instacart+ or existing Instacart+ users and US Mastercard® small business debit cardholders who are new to Instacart+ as of September 1, 2025 can receive $20 off on their second qualifying order of $10 or more, each month (“$20 Mastercard Offer”).
• Offer expires on January 31, 2027. Credits can only be redeemed on the same Instacart profile as enrollment (personal or business).
• This offer is valid for only one eligible Mastercard card per Instacart account.
• The coupon will automatically apply to your second qualifying order each month on the Instacart app or Instacart.com; excludes restaurant orders.
• To qualify each month, you must (i) complete two Instacart orders, with a $10 minimum amount per order at one retailer (excluding any fees, taxes or tips), within that same month and paying with the same eligible enrolled card type (i.e. Mastercard Small Business US Debit card or Mastercard Small Business US Credit card) (excludes purchases made using Apple Pay, PayPal and other forms of digital wallets or PayPal as payment method) and (ii) complete both orders while you are an Instacart+ member.
• The coupon will not apply to service fees, handling fees, delivery fees, other fees, taxes, and/or tips.
• Coupons earned expire in the same month they are earned if not fully used.
• This offer is subject to the Instacart Terms of Service and cannot be used to purchase alcohol products, gift cards or prescriptions.
• This offer is valid only in the United States and can only be used with one Instacart account.

Quick Thoughts

Instacart promos are a dime a dozen right now, and there’s a unique subculture of folks figuring out ways to maximize them, especially now that almost every Chase co-branded card has $10/month.

The noteworthy thing about this one is that it seems to stack with other Instacart promos, as Greg’s order above with the IHG Premier Business card shows. He got $10 off his first order, and then a total of $30 off his second; a nice monthly win that will make it much more interesting for many folks (vs. the normal $10/month).

I’m not certain which other business Mastercards count towards this promo, but I’d assume it’s a fairly wide net. Tell us about your success stories in the comments.

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