Chase and Instacart recently launched a partnership that offers monthly Instacart credits and 3 complimentary months of Instacart+ membership for cardholders of a number of Chase credit cards. Instacart users (and potential future Instacart users) should find the new perks to be very beneficial – with the ability to stack these credits with gift cards & other Instacart promos. The new monthly Instacart credits are either $10 or $20 (list of Chase cards below) and last all the way through December 31, 2027.
You have to manually enroll each card separately for them to be eligible for the credits, but once you do, you can potentially get multiple credits (on multiple orders) each month.
I’ve been on an Instacart kick for the last year or so, having purchased a number of discounted Instacart gift cards from Costco (which led to an investigative article on Costco warehouse vs Costco Instacart vs Costco Same Day prices) and Sam’s Club for 20% off and after finding other ways to save on Instacart orders. Those discounted gift card promos have sadly expired, but I have been able to find discounted Instacart gift cards through my Upromise Mastercard, a Best Buy promo, Amazon, and elsewhere – so they are not hard to come by. 15 or 20% Instacart gift card discounts are typical.
This Chase and Instacart collab has the potential to be a huge win for Instacart users who have Chase credit cards. Let’s start with card eligibility and enrollment links and then I’ll cover some tips that I have learned from personally enrolling eligible cards and using them to receive credits.
Here’s all of the Chase Credit Cards Eligible for Instacart Credits
3 Chase Ink Business cards are eligible for $20/month in Instacart credits and a number of Chase co-branded credit cards are eligible for $10/month in Instacart credits. Chase United Airlines credit cards also became recently eligible for Instacart credits and have slightly different rules attached. Each credit card must separately be enrolled and activated within your Instacart account to be eligible (enrollment links below).
Chase Ink Business Cards Eligible for Instacart Credits
3 Chase Ink Business cards are eligible for $20 per month in Instacart credits and 3 complimentary months of Instacart+ membership. Note: you do not need to sign up for the Instacart business account option when prompted, in order to redeem the credits.
Direct Enrollment Link: Chase Ink Instacart Credits + 3-months of complimentary Instacart+ membership
Cards Eligible for Enrollment:
- Chase Ink Cash Card
- Chase Ink Business Cash Card
- Chase Ink Business Unlimited Card
Chase Co-Branded Credit Cards Eligible for Instacart Credits
19 co-branded Chase cards are eligible for $10 per month in Instacart credits and 3 complimentary months of Instacart+ membership.
Direct Enrollment Link: Chase Co-Branded Instacart Credits + 3-months of complimentary Instacart+ membership
Cards Eligible for Enrollment:
- Aer Lingus Visa Signature Card
- Aeroplan Card
- British Airways Visa Signature Card
- Disney Premier Card
- Disney Visa Card
- Iberia Visa Signature Card
- IHG One Rewards Premier Card
- IHG One Rewards Traveler Card
- IHG One Rewards Premier Business Card
- Marriot Bonvoy Boundless Card
- Marriot Bonvoy Bountiful Card
- Marriot Bonvoy Bold Credit Card
- Ritz-Carlton Card
- Southwest Rapid Rewards Priority Card
- Southwest Rapid Rewards Premier Card
- Southwest Rapid Rewards Performance Business Card
- Southwest Rapid Rewards Premier Business Card
- World of Hyatt Card
- World of Hyatt Business Card
Chase United Credit Cards Eligible for Instacart Credits
5 Chase United cards are eligible for monthly Instacart credits and complimentary Instacart+ membership of varying lengths.
Direct Enrollment Link: Chase United Instacart Credits + Instacart+ membership
Cards Eligible for Enrollment:
- United Club and United Club Business Cards: complimentary Instacart+ membership + Two $10 Instacart credits at the beginning of each month when using your eligible card – credits cannot be combined
- United Quest Card: complimentary 3 months Instacart+ membership + One $10 Instacart credit on your first purchase and $5 Instacart credit on your second purchase each month with your eligible card (total $15) when you maintain your Instacart+ membership + 50% off an annual Instacart+ membership renewal with your eligible card
- United Explorer and United Business Explorer Cards: complimentary 3 months Instacart+ membership + $10 Instacart credit each month when you maintain your Instacart+ membership with your eligible card + 25% off an annual Instacart+ membership renewal with your eligible card.
Tested: Chase Instacart Credit Stacking & Membership Tips
Having registered 5 cards (2 different Ink, 2 different IHG, and 1 Marriott) on my Instacart account, plus 3 cards on Mrs. 20SF’s Instacart account (1 Ink, 2 different IHG), I’ve already tested and learned a few ways to stack and get the most out of these credits and the complimentary Instacart+ membership:
- The 3 months of complimentary membership per card all stack (e.g. I was able to get 15 months of complimentary Instacart+ membership on the 5 cards that I enrolled).
- If you already have Instacart+ membership (as I did), the complimentary membership perk is added to the end of your current membership period, which is nice.
- I’ve already been able to redeem 2 Ink credits on 2 separate orders for $40 in total credits in the same month, so it appears that you can get a monthly credit for each individual Ink card that you enroll.
- I have not been able to get more than 1 monthly credit for additional c0-branded card (i.e. $10 monthly total combined for all co-branded cards enrolled), sadly. So, it seems there is currently a cap of 1 credit per month on the co-branded cards.
- The credits show in your Instacart shopping cart at checkout when you choose an enrolled card as payment. This is not a “Chase offers” promotion, where a redeemed offer credit shows on your credit card statement.
- If you have multiple of the exact same card (e.g. 2 “Ink Business Unlimited” cards), it does not appear that you will get credits or complimentary membership for each – just 1 of the 2.
- It does not seem like there is a way to stack multiple credits on 1 order (you choose 1 card to use for payment on an order).
- It appears that your order can include Instacart cash balance and you can still get a credit even if your card is not used (but chosen as a payment method). This is where the discounted Instacart gift cards can come into play.
- Importantly, these Chase credits seem to stack with other Instacart offer promos.
- Set a reminder in your calendar for your new end of Instacart+ membership date so that you can avoid getting charged for renewal.
The fact that you can get multiple credits for multiple cards, stack them with other promos and gift cards, and that they last all the way through the end of 2027 is a pretty massive benefit. In the case of our household, that has the potential to equate to 32 months of $80 in monthly credits for a total of $2,560 in credits for our eligible Chase cards! Stacked on top of other Instacart offers and discounted Instacart gift cards, this is a huge perk for Chase cardholders.
If you have any additional tips/learnings on this offer, please share in the comments.
