New perk: Eligible Chase cardholders can get up to $15 in Instacart statement credits
If you're a fan of grocery delivery and have a Chase credit card, we have good news for you. Chase recently launched the Instacart Mastercard. Now, more cardholders are gaining additional Instacart perks.
In June, we announced that eligible Chase cardholders can activate a complimentary Instacart+ membership, which reduces your service fees and waives the delivery fee on grocery orders of $35 or more. You can also receive a discount of 5% on all pickup orders.
Now, as of today, eligible cardholders can also get up to $15 Instacart statement credits monthly — but it does depend on which Chase card you have.
Want more credit card news and advice from TPG? Sign up for our daily newsletter.
Monthly statement credits for Instacart purchases
Starting Aug. 1, 2022, eligible Chase cardholders can receive monthly statement credits after making Instacart purchases. This benefit is in addition to the Instacart+ membership detailed below, meaning you can place orders with waived delivery fees and also receive a rebate on these orders.
- Up to $15 per month in statement credits:
- Chase Sapphire Reserve.
- J.P. Morgan Reserve Card.*
- Up to $15 per quarter in statement credits:
- Chase Sapphire Preferred.
- Chase Sapphire.*
- Up to $10 per quarter in statement credits:
- Chase Freedom Unlimited.
- Chase Freedom Flex.
- Chase Freedom.*
- Chase Freedom Student.
*The information for these cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
How to receive the statement credits
The statement credits are only available after activating your Instacart+ membership. After enrollment, make purchases from Instacart using your eligible credit card.
The amounts listed above are maximums and will be issued as statement credits. This means you will pay first and then receive a credit toward your credit card statement afterward. It's not a discount applied at the time of payment, so don't be surprised if you don't see these credits reflected during checkout with Instacart.
Click here to read the full terms and conditions of these two offers.
Chase cards eligible for a complimentary Instacart+ membership
Those who enroll will enjoy Instacart+ privileges for 3-12 months, depending on which card they have. This membership typically costs $99 annually, so this is a great way to test out the Instacart membership for free and save big on grocery deliveries
Not all Chase cardholders can avail this perk. However, if you have any of the following credit cards, you can enroll. This benefit started on June 15, 2022, and it runs through July 31, 2024.
- 12 months of complimentary Instacart+:
- Chase Sapphire Reserve.
- Instacart Mastercard (for new applicants only).
- J.P. Morgan Reserve Card.*
- 6 months of complimentary Instacart+:
- Chase Sapphire Preferred.
- Chase Sapphire.*
- 3 months of complimentary Instacart+:
- Chase Freedom Unlimited.
- Chase Freedom Flex.
- Chase Freedom.*
- Chase Freedom Student.
- Chase Slate Edge.
- Chase Slate.*
*The information for these cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
How to activate
To activate this Instacart Express membership offer, visit Instacart’s website and use your eligible Chase credit card as the payment method when claiming the offer. You must activate this benefit by July 31, 2024, and you’ll enjoy Instacart Express privileges for 3-12 months, depending on your card. After that period, your complimentary membership will automatically convert to the annual plan ($99/year), so be sure to set a calendar reminder if you plan to cancel at the end of your trial.
Eligible customers can redeem the complimentary Instacart+ membership even if they had an Instacart+ or Instacart Express membership previously.
The last time this promotion was offered was in January 2022. Back then, co-branded Chase cards such as Marriott Bonvoy, Southwest and United Airlines cards were eligible. Unfortunately, they aren’t this time around.
Click here to read the full terms and conditions of these two offers.
Bottom line
Receiving free grocery delivery is a nice perk. These offers come as Chase and Instacart have launched the first-ever credit card geared toward grocery delivery fans: the Instacart Mastercard.
If you're looking for more ways to receive free grocery delivery, remember that monthly Uber credits can be used for Uber Eats and multiple Chase credit cards offer Gopuff credits each month. You can also receive complimentary Walmart+ membership, which you can use for waived delivery fees.
Related: Your definitive guide to online grocery delivery services
Additional reporting by Stella Shon.
Top offers from our partners
How we chose these cards
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. |
| 4X | Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). |
| 3X | Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There's a lot to love about the Amex Gold card. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) and U.S. supermarkets. If you're hitting the skies soon, you'll also earn bonus points on travel. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. Enrollment required.Pros
- 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
- 3x on flights booked directly with the airline or with Amex Travel
- Welcome bonus of 60,000 points after spending $4,000 in the first six months
Cons
- Weak on travel outside of flights and everyday spending bonus categories
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber/food credits
- Few travel perks and protections
- Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
- See Rates & Fees
Rewards Rate
| 4X | Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. |
| 4X | Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). |
| 3X | Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. |
Intro Offer
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.60,000 bonus pointsAnnual Fee
$250Recommended Credit
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.670-850Excellent/Good
Why We Chose It
There's a lot to love about the Amex Gold card. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) and U.S. supermarkets. If you're hitting the skies soon, you'll also earn bonus points on travel. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. Enrollment required.Pros
- 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
- 3x on flights booked directly with the airline or with Amex Travel
- Welcome bonus of 60,000 points after spending $4,000 in the first six months
Cons
- Weak on travel outside of flights and everyday spending bonus categories
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber/food credits
- Few travel perks and protections
- Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
- See Rates & Fees