Chase delivers new Instacart benefits on several of its cards
If you're like me and use online grocery delivery frequently, you'll want to take note: Starting today, eligible Chase cardholders will receive bonus Instacart benefits through Dec. 31, 2027.
These new benefits will help some cardholders gain even more value to offset their cards' annual fees. That said, it's important to understand these new perks to determine whether they fit your lifestyle and spending habits.
Let's dig into what Chase and Instacart are delivering.
New Instacart benefits
If you hold one of the following cards, you're now eligible for a complimentary three-month Instacart+ membership and a $10 monthly statement credit for Instacart purchases:
- IHG One Rewards Premier Business Credit Card (see rates and fees)
- IHG One Rewards Premier Credit Card (see rates and fees)
- IHG One Rewards Traveler Credit Card (see rates and fees)
- Marriott Bonvoy Bold® Credit Card (see rates and fees)
- Marriott Bonvoy Boundless® Credit Card (see rates and fees)
- Marriott Bonvoy Bountiful® Credit Card
- Southwest Rapid Rewards® Plus Credit Card (see rates and fees)
- Southwest Rapid Rewards® Premier Credit Card
- Southwest Rapid Rewards® Priority Credit Card (see rates and fees)
- Southwest® Rapid Rewards® Performance Business Credit Card (see rates and fees)
- Southwest® Rapid Rewards® Premier Business Credit Card (see rates and fees)
- Aer Lingus Visa Signature® Card
- Iberia Visa Signature® Card
- British Airways Visa Signature® Card (see rates and fees)
- Aeroplan® Credit Card (see rates and fees)
- World of Hyatt Business Credit Card (see rates and fees)
- World of Hyatt Credit Card (see rates and fees)
The information for the Marriott Bonvoy Bountiful, the Southwest Premier, the Aer Lingus Visa Signature and the Iberia Visa Signature has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
If you hold either the Ink Business Cash® Credit Card (see rates and fees) or the Ink Business Unlimited® Credit Card (see rates and fees), you'll receive a complimentary three-month Instacart+ membership and a monthly $20 credit toward Instacart purchases.
To receive your benefits, you must sign up for Instacart and enroll your eligible card. Note that you will need an active Instacart+ membership to receive your monthly statement credit. These perks expire Dec. 31, 2027.
This new update covers almost all of Chase's cards, meaning that almost every Chase cardholder should be eligible for some level of Instacart perks.
If you're wondering why Chase's lineup of United cards isn't included on this list, it's because those cards already received Instacart benefits when they were refreshed earlier this year.
My take on these benefits
As someone who often uses online delivery services, I'm always happy when cards add new perks that help me save money on my orders. That said, these new Instacart benefits aren't as easy to use as some of the other perks on these cards, like hotel reward nights and free checked bags.
If you don't naturally use Instacart at least once or twice per month, you're going to have a hard time maximizing these benefits. But if you're already an Instacart fan or you're willing to move some of your online orders to this service, these are great benefits to have.
Depending on the card you have, you'll receive either $120 or $240 each year in statement credits (through Dec. 31, 2027). That's a huge amount toward offsetting your card's annual fee, if it has one.
Since you'll only receive your monthly statement credits if you have an active Instacart+ membership, these benefits are definitely geared toward committed Instacart fans.
Overall, I think these new benefits are generally positive and will provide solid value to the right cardholders. Of course, it would be great to have statement credits that can be used toward any online grocery delivery service, but the current trend for issuers is to partner with specific brands.
Bottom line
If you have one of the Chase cards mentioned above or are considering one of them, take note of these new Instacart perks. They may help you gain significantly more value from your card every year.
Remember that these benefits last until Dec. 31, 2027. Until then, you'll want to keep track of your purchases each month so you don't miss out on any monthly credits.
Related: 6 foolproof ways to maximize rewards on grocery spending
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 5X | New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Pros
- Valuable dining and food-related credits
- Flexible rewards with airline and hotel transfer partners
- Multiple travel and purchase protections
- No foreign transaction fees
- Access to Amex Offers for additional savings (enrollment required)
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.