Which Credit Cards Offer Instacart Benefits?
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Many credit cards now offer perks that go beyond travel rewards. Some include benefits designed for everyday spending, including grocery delivery services like Instacart.
Depending on the card, these perks may include:
- statement credits for Instacart purchases
- complimentary Instacart+ membership
- elevated rewards on grocery spending
For households that regularly use grocery delivery, these benefits can reduce delivery fees and add value to purchases you are already making.
If you want a full breakdown of how Instacart credits work and how to activate them, you can also read my guide explaining how Instacart credit card benefits work.
How I Use My Chase Instacart Credits for Free (or Nearly Free) Groceries — Even in a Rural Area
Below are some of the types of credit cards that offer Instacart-related perks.
Chase Sapphire Cards With Instacart Benefits
In recent years, both Sapphire cards have included Instacart-related promotions such as complimentary Instacart+ membership and statement credits.
Cards that have offered these perks include:
- Chase Sapphire Preferred® Card
- Chase Sapphire Reserve®
These benefits have typically included:
- complimentary Instacart+ membership for a limited time
- statement credits for Instacart purchases
Instacart+ membership can remove delivery fees on eligible grocery orders and reduce service fees. For households that regularly order groceries, these savings can add up quickly.
While these cards are primarily designed for travel rewards, everyday perks like Instacart credits can make them more useful throughout the year.
Business Credit Cards With Instacart Credits
Some of the most valuable Instacart perks currently come from the Chase Ink business credit cards.
Cards that offer these benefits include:
- Ink Business Cash® Credit Card
- Ink Business Unlimited® Credit Card
These cards offer two key Instacart perks.
Complimentary Instacart+ Membership
Eligible Ink cardholders can receive three months of complimentary Instacart+ membership when they enroll with their card.
Instacart+ normally costs around $99 per year, so this benefit allows you to try the membership without paying for it.
Instacart+ includes perks like:
- $0 delivery fees on eligible grocery orders
- reduced service fees
- occasional exclusive promotions
After the three-month trial period ends, the membership will renew automatically unless you cancel.
Monthly Instacart Credits
Ink Business Cash® and Ink Business Unlimited® also include monthly Instacart statement credits.
Cardholders can receive:
$20 in Instacart credits each month
That can add up to $240 in potential value per year.
To use the benefit, you simply:
- Enroll your card for the Instacart offer
- Add the card as a payment method in your Instacart account
- Use the card when placing your order
The credit is applied automatically when you make an eligible purchase.
Grocery Credit Cards That Work Well With Instacart
Some credit cards do not offer specific Instacart credits but still work well for grocery delivery because they earn strong rewards at supermarkets.
Examples include:
- American Express® Gold Card
- Blue Cash Preferred® Card from American Express
These cards typically earn elevated rewards on grocery purchases, which may apply to many Instacart grocery orders depending on how the purchase is processed.
For households that spend heavily on groceries, these cards can generate meaningful rewards even without dedicated Instacart credits.
Are Instacart Credit Card Benefits Worth It?
If you already use grocery delivery services, Instacart benefits can be surprisingly valuable.
Between waived delivery fees, membership perks, and monthly credits, these benefits can help offset grocery costs throughout the year.
For many families, this means earning travel rewards or cashback while also reducing the cost of everyday purchases.
And if you are already using credit cards to earn points for travel, perks like Instacart credits can add extra value without changing your spending habits.
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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