Updated September 2026

If your family orders groceries on Instacart, the right credit card can knock money off every order. Some cards give you monthly Instacart credits, some include a free Instacart+ membership, and some earn bonus points on every Instacart order.

Here’s every card with Instacart benefits right now, plus how I’d decide which one to use.

Quick Answer: Credit Cards With Instacart Benefits

Card	Instacart Benefit	Annual Fee
Ink Business Cash®	$20 monthly credit + 3 months of Instacart+	$0
Ink Business Unlimited®	$20 monthly credit + 3 months of Instacart+	$0
Chase hotel and airline cards	$10 monthly credit + 3 months of Instacart+	Varies
Instacart Mastercard®	5% back on Instacart purchases	$0
Chase Freedom Flex®	5x at grocery stores Oct 1 to Mar 31	$0
American Express® Gold Card	4x at U.S. supermarkets	Varies
Blue Cash Preferred® from American Express	6% at U.S. supermarkets	Varies

Chase’s Instacart credits and memberships run through December 31, 2027.

Best Instacart Credits: Chase Ink Business Cards

The Ink Business Cash® and Ink Business Unlimited® have the best Instacart benefit of any card right now:

• $20 Instacart credit every month (up to $240 a year)
• 3 months of free Instacart+ when you enroll
• No annual fee

That’s $240 a year back on groceries from a card that costs nothing to keep. This is the card I use for my own Instacart orders, and I show exactly how in my post on how I use my Chase Instacart credit for grocery pickup.

Don’t think you qualify for a business card? Lots of people do without realizing it. If you sell on Etsy, tutor, run a side hustle, or even create content, you may be eligible.

👉 [See the current Ink Business offers on my Best Offers page]

Chase Hotel and Airline Cards: $10 a Month

Many Chase co-branded cards include a $10 monthly Instacart credit (up to $120 a year) plus 3 months of Instacart+ when you enroll. Eligible cards include:

Hotel cards:

• World of Hyatt Credit Card and World of Hyatt Business Credit Card
• Marriott Bonvoy Bold®, Boundless®, and Bountiful™
• IHG One Rewards Premier, Premier Business, and Traveler

Airline cards:

• Southwest Rapid Rewards® Plus, Premier, Priority, Performance Business, and Premier Business
• Aer Lingus, British Airways, and Iberia Visa Signature® cards
• Chase Air Canada Aeroplan® Card
• Select United MileagePlus personal cards

If you already have one of these cards for the hotel or airline perks, this is free money you might be missing. Check your Chase account for the enrollment link.

Instacart Mastercard: Best for Frequent Instacart Shoppers

The Instacart Mastercard® from Chase is made for people who use Instacart a lot:

• 5% back on Instacart purchases (on up to $6,000 a year, then 1%)
• $50 Instacart credit when you’re approved
• 2% back on dining, gas, and select streaming
• No annual fee

The catch: it earns cash back, not travel points. If you’re saving up for a trip, one of the cards below may be a better fit.

Cards That Earn Bonus Points on Instacart Orders

These cards don’t have Instacart credits, but Instacart orders usually count as grocery purchases, so they can earn bonus points.

Chase Freedom Flex®: Grocery stores are a 5x bonus category from October 1, 2026 through March 31, 2027 (on up to $1,500 in combined bonus purchases each quarter). Check the terms when you activate to see whether Instacart is included. I break down the whole fall bonus in my [Chase Freedom Flex Q4 2026 post]

American Express® Gold Card: 4x points at U.S. supermarkets (on up to $25,000 a year).

Blue Cash Preferred® from American Express: 6% cash back at U.S. supermarkets (on up to $6,000 a year).

Tip: How Instacart orders are coded can vary. After your first order, check your statement to make sure you earned the bonus.

What Happened to the Sapphire Instacart Benefits?

The Chase Sapphire Preferred® and Sapphire Reserve® used to include Instacart perks, but they aren’t part of Chase’s current Instacart benefit list. If you want monthly Instacart credits, look at the Ink or co-branded cards above instead.

Which Card Should You Use for Instacart?

Here’s how I’d decide:

• You want the most free groceries: Ink Business Cash or Ink Business Unlimited ($240 a year, no annual fee)
• You already have a Chase hotel or airline card: Enroll for your $10 monthly credit, since you’re already paying for the card
• You order on Instacart every week: Instacart Mastercard for 5% back
• You’re saving points for travel: Use your Instacart credit first, then put the rest of the order on a card that earns bonus points at grocery stores

My strategy: I use my Ink credit for small pickup orders between big grocery trips. That way the credit covers almost the whole order, and I’m not paying for a bigger order just to use it.

Is Instacart+ Worth It?

Instacart+ usually costs $99 a year and includes $0 delivery fees on eligible orders and lower service fees.

With a Chase card, you get 3 months free. After that, it renews automatically unless you cancel. On most cards, the monthly credit only works while your Instacart+ membership is active, so before the free months end, decide whether the credit is worth the membership cost for your family.

Quick math: With the Ink $20 credit, you get $240 a year in credits. If you pay $99 for Instacart+, you’re still ahead by $141, plus free delivery.

Set a reminder a week before your free membership ends so you don’t get charged by surprise.

Credit Cards With Instacart Benefits FAQ

Which credit card has the best Instacart benefit?
The Ink Business Cash and Ink Business Unlimited have the biggest Instacart credit at $20 a month, and both have no annual fee.

Do Chase Instacart credits roll over?
No. Credits reset every month, so use it or lose it.

How long do Chase Instacart benefits last?
The current benefits run through December 31, 2027.

Does Instacart count as a grocery store purchase?
Usually, yes. Instacart orders often earn grocery bonus points, but it can vary by card. Check your statement after your first order.

Do Chase Sapphire cards still have Instacart benefits?
No. The Sapphire cards aren’t part of Chase’s current Instacart benefit list.

Do I need Instacart+ to use my Chase Instacart credit?
On most cards, yes. Eligible cards include 3 months of Instacart+ free when you enroll.

Final Word

If you’re already ordering groceries on Instacart, there’s no reason to pay full price. Whether it’s a $20 monthly credit, 5% back, or bonus points toward your next trip, the right card can turn a regular grocery order into savings for your family.

Want to see which cards I recommend right now? Check out my [Best Offers page]

Card benefits can change. Check your card’s current terms before you rely on a credit.