Chase's 2025 Partnership Expansion: Complete Value Breakdown for Instacart, Lyft, DoorDash & Peloton Benefits

Which Chase Cards Offer These Benefits?

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Five cards stand out for partnership benefits, each optimized for different lifestyles:

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Premium Travel Card: Chase Sapphire Reserve®

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Partnership benefits:

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• Instacart: $10 monthly credit ($120/year)

• Lyft: $10 monthly credit + 5X points ($120/year in credits + bonus points)

• DoorDash: $5 monthly restaurant credit + two $10 grocery promos monthly + free DashPass (up to $420/year value)

• Peloton: 10X total points on purchases $150+

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Best for: Urban professionals who use rideshare, delivery services regularly, and travel frequently

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Mid-Tier Travel Card: Chase Sapphire Preferred® Card

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Partnership benefits:

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• Instacart: $10 monthly credit ($120/year)

• Lyft: 5X points on all rides

• DoorDash: One $10 grocery promo monthly + free DashPass (up to $240/year value)

• Peloton: 5X total points on purchases

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Best for: Travelers who want Sapphire benefits at a lower price point

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Business Card with Enhanced Grocery Benefits: Ink Business Cash® Credit Card

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Partnership benefits:

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• Instacart: $20 monthly credit ($240/year) - highest among all Chase cards

• Lyft: 5% cash back on all rides

• DoorDash: Limited benefits compared to Sapphire cards

• Peloton: Standard earning

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Best for: Business owners and families who order groceries frequently through Instacart

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Alternative Business Card: Ink Business Unlimited® Credit Card

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Partnership benefits:

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• Instacart: $20 monthly credit ($240/year)

• Lyft: 5% cash back on all rides

• Flat-rate earning on all other purchases

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Best for: Business owners who prefer simplicity with flat-rate rewards

[[ SINGLE_CARD * {"id": "1098", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Small Business Owners", "headerHint" : "No Fee Card" } ]]

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No Annual Fee Option: Chase Freedom

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Partnership benefits:

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• Instacart: Not included

• Lyft: 2% cash back on all rides (through September 2027)

• DoorDash: Six months free DashPass + $10 quarterly grocery promo (starting February 2025)

• Peloton: Standard earning

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Best for: Students, budget-conscious consumers, or those building credit

[[ SINGLE_CARD * {"id": "3344", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Credit Builders", "headerHint": "Rotating Categories"} ]]

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Notable Co-Branded Option: Southwest Rapid Rewards® Priority Credit Card

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For those loyal to Southwest Airlines, this card now includes:

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• Instacart: $10 monthly credit ($120/year)

• Southwest benefits: 7,500 anniversary bonus points, 4 upgraded boardings per year, 25% back on inflight purchases

• Annual fee: $149

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Best for: Frequent Southwest flyers who also want grocery delivery credits

[[ SINGLE_CARD * {"id": "2162", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Southwest Loyalists", "headerHint" : "Generous Benefits and Perks" } ]]

Instacart Benefits Breakdown: $120-$240 Annual Value

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Chase expanded its Instacart partnership in May 2025, with benefits varying by card tier:

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Sapphire Cards & Co-Branded Cards: $120 Annual Value

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Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, and Southwest Rapid Rewards® Priority Credit Card receive:

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• Complimentary 3-month Instacart+ membership (valued at $29.97)

• $10 monthly Instacart credit (up to $120 annually through December 31, 2027)

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Total first-year value: $149.97 (3-month membership + $120 in credits)

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Note: Many other Chase co-branded travel cards also receive these same Instacart benefits, including IHG, Marriott, United, and World of Hyatt cards.

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Business Cards: $240 Annual Value (Double the Credits)

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Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card receive enhanced benefits:

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• Complimentary 3-month Instacart+ membership (valued at $29.97)

• $20 monthly Instacart credit (up to $240 annually through December 31, 2027)

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Total first-year value: $269.97

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The math: For business owners who use Instacart for office supplies or team meals, this $240 annual credit effectively reduces the Ink Business Cash card's $0 annual fee into a profit center.

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What Instacart+ Includes

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The complimentary membership provides:

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• $0 delivery fees on orders $35+

• Reduced service fees

• 5% credit back on pickup orders

• Access to exclusive deals

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Break-even calculation: If you order Instacart twice per month at $4.99 delivery per order, you save $119.76 annually just from free delivery—before using any credits.

Lyft Partnership Details: $120-$144 Annual Value

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Chase renewed its Lyft partnership through September 2027, making Lyft Chase's exclusive rideshare partner. After cardmembers took over 200 million rides, Chase enhanced the benefits:

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Chase Sapphire Reserve®: $120 Annual Credit + 5X Points

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Benefits:

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• $10 monthly Lyft credit (up to $120 annually, excludes Wait & Save, bike, and scooter rides)

• 5X total points on all Lyft rides (through September 2027)

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Value calculation: A cardholder taking $200 in Lyft rides monthly saves:

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• $120 from monthly credits

• $144 in point value (assuming 1.5 cents per point redemption through Chase Ultimate Rewards®: $200 × 12 months × 5 points per dollar × $0.015 = $144)

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Total annual value: $264

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Chase Sapphire Preferred® Card: 5X Points

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Benefits:

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• 5X total points on Lyft rides (through September 2027)

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Value calculation: $100 monthly in Lyft rides = $90 annual value ($100 × 12 × 5 points × $0.015)

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Freedom Cards: 2% Cash Back

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Benefits:

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• 2% total cash back on Lyft rides (through September 2027)

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Value calculation: $100 monthly in Lyft rides = $24 annual value ($100 × 12 × 2%)

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Ink Business Cards: 5X Points or 5% Cash Back

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Benefits:

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• 5X total points or 5% total cash back on Lyft rides (depending on specific card)

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Value calculation: $200 monthly in business Lyft rides = $120 annual value ($200 × 12 × 5%)

DoorDash Partnership Benefits: $60-$360 Annual Value

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Chase's DoorDash partnership continues through December 31, 2027, with both complimentary DashPass memberships and monthly credits:

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Chase Sapphire Reserve®: Up to $360 Annual Value

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Benefits:

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• Complimentary DashPass membership through December 31, 2027 (valued at $119.88/year)

• $5 monthly credit for restaurant orders (starting February 1, 2025, up to $60 annually)

• Two promos of up to $10 off each month on grocery/convenience orders (up to $240 annually)

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Total potential annual value: $419.88

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DashPass includes:

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• $0 delivery fees on eligible orders $12+

• Reduced service fees

• Exclusive deals and member-only benefits

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Real-world calculation: If you order DoorDash 3 times per month at $5.99 delivery per order:

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• DashPass saves: $215.64 annually in delivery fees

• Monthly restaurant credit: $60 annually

• Grocery promos: Up to $240 annually (if used consistently)

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Combined potential: $515.64 in annual savings

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Chase Sapphire Preferred® Card: Up to $239.88 Annual Value

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Benefits:

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• Complimentary DashPass membership through December 31, 2027 (valued at $119.88/year)

• One promo of up to $10 off each month on grocery/convenience orders (up to $120 annually)

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Total potential annual value: $239.88

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Freedom® and Slate® Cards: Variable Value

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Current benefits (activate by January 31, 2025):

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• 3 months free DashPass + 9 months discounted

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New benefits (starting February 1, 2025):

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• 6 months free DashPass

• One promo of up to $10 off each quarter on grocery/convenience orders (up to $40 annually)

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Value: $59.94 for 6-month membership + up to $40 in quarterly promos = $99.94

Peloton Partnership Benefits: 5X-10X Bonus Points

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Chase extended its Peloton partnership through December 31, 2027, offering accelerated points earning on fitness equipment and memberships:

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Chase Sapphire Reserve®: 10X Total Points

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Benefits:

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• 10X total points on Peloton equipment purchases over $150 (through December 31, 2027)

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Value calculation: Purchasing a $1,495 Peloton Bike:

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• Earn: 14,950 points (10 points per dollar)

• Value: $224.25 (at 1.5 cents per point through Chase Ultimate Rewards®)

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Beyond the base rate: Chase Sapphire Reserve® normally earns 3X points on select purchases. This partnership provides an additional 7X points on Peloton purchases.

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Chase Sapphire Preferred® Card: 5X Total Points

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Benefits:

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• 5X total points on qualifying Peloton purchases through December 31, 2027

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Value calculation: Same $1,495 Peloton Bike purchase:

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• Earn: 7,475 points

• Value: $112.13 (at 1.5 cents per point)

Total Value Calculation: Should You Apply for a Chase Card?

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Let's calculate the annual value across different usage scenarios with our featured cards:

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Scenario 1: Urban Professional (Chase Sapphire Reserve®)

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Monthly usage:

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• Instacart: 2 orders ($10 credit used)

• Lyft: $150 in rides ($10 credit used + 5X points)

• DoorDash: 4 restaurant orders ($5 credit used) + 2 grocery orders (promos used)

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Annual value breakdown:

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• Instacart credits: $120

• Instacart+ membership: $119.88 (value of free delivery)

• Lyft credits: $120

• Lyft 5X points: $108 (assuming $150/month × 12 × 5 points × $0.015)

• DoorDash restaurant credits: $60

• DoorDash DashPass: $119.88 (delivery fee savings)

• DoorDash grocery promos: $240 (if consistently used)

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Scenario 2: Balanced Traveler (Chase Sapphire Preferred® Card)

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Monthly usage:

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• Instacart: 2 orders ($10 credit used)

• Lyft: $100 in rides (5X points)

• DoorDash: 2 orders (DashPass + monthly promo)

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Annual value breakdown:

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• Instacart credits: $120

• Instacart+ membership: $119.88

• Lyft 5X points: $90 ($100 × 12 × 5 points × $0.015)

• DoorDash DashPass: $119.88

• DoorDash grocery promos: $120 (one per month)

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Scenario 3: Family with Frequent Grocery Delivery (Ink Business Cash® Credit Card)

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Monthly usage:

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• Instacart: 4 orders for family groceries ($20 credit used)

• Lyft: $80 in rides (5% cash back)

• DoorDash: Occasional use

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Annual value breakdown:

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• Instacart credits: $240

• Instacart+ membership: $239.76 (value of free delivery at higher usage)

• Lyft cash back: $48 ($80 × 12 × 5%)

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Scenario 4: Budget-Conscious Student (Chase Freedom® Card)

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Monthly usage:

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• DoorDash: 2 orders (DashPass free delivery)

• Lyft: $40 in rides (2% cash back)

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Annual value breakdown:

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• DoorDash 6-month DashPass: $59.94

• DoorDash delivery savings: $143.76 (assuming $5.99 × 24 orders)

• DoorDash quarterly promos: $40
• Lyft cash back: $9.60 ($40 × 12 × 2%)

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Scenario 5: Southwest Loyalist (Southwest Rapid Rewards® Priority Credit Card)

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Monthly usage:

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• Instacart: 2 orders ($10 credit used)

• Southwest flights: 3-4 per year

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Annual value breakdown:

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• Instacart credits: $120

• Instacart+ membership: $119.88

• Southwest anniversary bonus: ~$112 (7,500 points at 1.5 cents each)

• 4 upgraded boardings: ~$120 value

Which Chase Card Is Right for You? Benefits Comparison

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Here's a side-by-side comparison of the six cards that offer the best partnership value:

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Best for Maximum Partnership Value: Chase Sapphire Reserve®

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You should apply if:

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• You spend $150+ monthly on Lyft or rideshare

• You order food delivery 3+ times per week

• You travel frequently and value airport lounge access

• You can use the $300 annual travel credit

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Total partnership value: Up to $887+ annually (Instacart + Lyft + DoorDash + Peloton)

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Break-even point: You need to extract $550 in value to justify the annual fee. The partnership benefits alone can provide $887, meaning you break even if you use just 62% of available benefits.

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Best for Balanced Value: Chase Sapphire Preferred® Card

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You should apply if:

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• You want Sapphire benefits at a lower annual fee

• You travel occasionally but not weekly

• You order DoorDash and Instacart regularly

• You want transfer partners for maximum points value

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Best for Grocery Delivery: Ink Business Cash® Credit Card

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You should apply if:

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• You order Instacart regularly for family or office

• You need a business card with no annual fee

• You spend heavily on office supplies, internet, or cable ($25,000/year earns $1,250 in 5% cash back)

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Alternative Business Option: Ink Business Unlimited® Credit Card

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You should apply if:

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• You want the enhanced $20 Instacart credits

• You prefer simple flat-rate earning (1.5% on everything)

• You want a no-annual-fee business card

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Best for Students & Budget-Conscious: Chase Freedom® Card

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You should apply if:

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• You want no annual fee

• You order food delivery occasionally

• You're building credit history

• You want rotating 5% categories

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Best for Southwest Flyers: Southwest Rapid Rewards® Priority Credit Card

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You should apply if:

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• You're loyal to Southwest Airlines

• You want Instacart credits plus airline benefits

• You value upgraded boardings and anniversary points

How to Maximize These Partnership Benefits

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Follow this step-by-step activation guide to ensure you capture all available value:

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Step 1: Enroll Immediately After Approval

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Instacart enrollment:

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1. Sign up or log in to Instacart
2. Add your eligible Chase card as a payment method
3. Navigate to account settings to activate your complimentary Instacart+ membership
4. Monthly credits automatically apply at checkout

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Lyft enrollment:

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• Credits automatically apply for Chase Sapphire Reserve® cardholders

• Simply use your registered Chase card as payment in the Lyft app

• Visit lyft.com/chase for full terms

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DoorDash enrollment:

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1. Download the DoorDash app or visit doordash.com
2. Add your Chase card as a payment method
3. Activate DashPass by clicking the activation button
4. Monthly credits and promos automatically appear at checkout

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Peloton: No enrollment needed—points automatically earned when you use your Chase card for Peloton purchases

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Step 2: Set Monthly Reminders

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Monthly credits don't roll over. Set calendar reminders for:

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• Instacart: Use your $10 or $20 credit before month-end

• Lyft: Use your $10 credit before month-end (Sapphire Reserve® only)

• DoorDash: Use restaurant credit and grocery promos before month-end

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Pro tip: Schedule reminders for the 25th of each month to avoid last-minute rushes.

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Step 3: Stack Benefits for Maximum Value

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Strategy 1: Combine Instacart credits with promotions

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• Use your monthly Instacart credit on weeks when Instacart runs retailer-specific promotions (e.g., "$10 off $35+ at Whole Foods")

• Result: $10 credit + $10 promotion = $20 off a single order

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Strategy 2: Use DoorDash grocery credits for pantry staples

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• Instead of using DoorDash for restaurants, use the grocery promos on household essentials from convenience stores

• Many items have same-day delivery and lower service fees than restaurants

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Strategy 3: Coordinate Lyft credits with travel

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• Save Lyft credits for airport rides, which typically cost $30-60

• Combined with the $10 monthly credit, you're paying $20-50 instead

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Step 4: Understanding Application Decisions

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Before you apply, know this:

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• Chase typically uses a "5/24 rule" for Sapphire and Freedom cards (if you've opened 5+ cards across all issuers in the past 24 months, you may be automatically declined)

• Applying generates a hard credit inquiry that may temporarily lower your score by a few points

• Co-branded cards often have more flexible approval criteria than Sapphire cards

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Credit score ranges (Kudos estimate):

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• Chase Sapphire Reserve®: 740+ (Excellent)

• Chase Sapphire Preferred® Card: 690+ (Good to Excellent)

• Ink Business Cards: 680+ (Good to Excellent)

• Co-branded cards: 670+ (Good)

• Chase Freedom® Cards: 670+ (Good)

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Note: Kudos 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.

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Step 5: Track Your Savings

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Use Kudos Insights to automatically track:

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• When monthly credits renew

• Which benefits you've used vs. missed

• Total annual value captured from partnership benefits

• Personalized recommendations for maximizing rewards

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According to Kudos data, the average user misses $624 in card benefits annually. Kudos helps ensure these Chase partnership benefits don't become part of that statistic.

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Frequently Asked Questions

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Do these benefits require enrollment, or are they automatic?

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Most benefits require one-time enrollment by adding your Chase card as a payment method in each partner app (Instacart, Lyft, DoorDash). Once enrolled, credits and points automatically apply. The exception is Peloton—points are automatically earned with no enrollment needed.

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What happens if I don't use my monthly credits?

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Monthly credits expire at the end of each calendar month and do not roll over. For example, if you don't use your $10 Instacart credit in January, you cannot use $20 in February. Set monthly reminders to avoid forfeiting value.

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Can I stack multiple Chase cards' benefits?

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No. If you hold multiple eligible cards (e.g., both Chase Sapphire Reserve® and Ink Business Cash® Credit Card), you can only enroll one card per partnership per account. Choose the card offering the highest benefit value for each service.

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Are there minimum order requirements to use credits?

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Yes, most partner platforms have minimums:

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• Instacart: Generally $35 minimum for free delivery with Instacart+

• DoorDash: $12 minimum for DashPass free delivery

• Lyft: No minimum, but credits exclude Wait & Save rides and bikes/scooters

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Do these benefits work if I already have standalone subscriptions?

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In most cases, yes. If you already pay for Instacart+, DashPass, or Lyft Pink, you can cancel your paid subscription and activate the complimentary Chase version instead. This converts a monthly expense into a free benefit. However, check that the Chase membership includes all features of your current paid subscription.

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What if I cancel my Chase card before the partnership ends in 2027?

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You lose access to all partnership benefits immediately upon card cancellation or account closure. If you've paid an annual fee, you may receive a prorated refund depending on your account agreement, but partnership benefits end right away.

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Do purchases made with these credits earn Chase points or cash back?

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No. When you use statement credits (like the $10 monthly Instacart credit or $5 DoorDash credit), you're not actually spending money—the credit covers the cost. You only earn points on amounts you pay above the credit. For example, a $35 Instacart order with a $10 credit means you pay $25, and you earn points only on that $25.

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Can authorized users access these benefits?

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It depends on the partnership. Generally, the primary cardmember or the first authorized user to activate the benefit gains access. Some partnerships (like DashPass) allow account sharing with household members, while others (like Instacart+) are tied to individual accounts. Check terms for each partnership.

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Are these partnerships available to business card holders for personal use?

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While Ink Business cards are designed for business expenses, Chase doesn't restrict where you use the cards as long as you're complying with your cardmember agreement. The Instacart benefits on Ink Business cards explicitly include office supply orders but don't prohibit personal grocery orders. However, consult your tax advisor about separating business and personal expenses.

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How do these benefits compare to competing cards?

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Chase's partnership ecosystem is unique in its breadth—few issuers offer coordinated benefits across groceries, rideshare, food delivery, and fitness. American Express offers Uber Cash and dining credits on the Platinum card, and Capital One partners with Walmart+ for some cards. However, Chase's DoorDash, Instacart, and Lyft partnerships combined create more consistent monthly value for urban and suburban cardholders than most alternatives.

Bottom Line: Who Should Apply for a Chase Card for These Benefits?

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The expanded Chase partnership ecosystem delivers measurable value from $253 to $887+ annually, depending on your card and usage patterns. Here's who benefits most:

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You should definitely apply if:

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• You spend $100+ monthly on food delivery, groceries, or rideshare services

• You live in an urban or suburban area with strong Instacart, Lyft, and DoorDash coverage

• You currently pay out-of-pocket for these services without earning rewards

• You want a card whose annual fee is offset by tangible monthly credits

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You should wait or consider alternatives if:

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• You live in a rural area with limited delivery service coverage

• You prefer shopping in-store and avoid delivery fees

• You already hold 5+ credit cards opened in the past 24 months (Chase 5/24 rule)

• You have a credit score below 670

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The most compelling cards by scenario:

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• Maximum partnership value: Chase Sapphire Reserve® ($887+ annual value)

• Best grocery credits: Ink Business Cash® Credit Card ($240 Instacart credits)

• Best balanced value: Chase Sapphire Preferred® Card ($569+ annual value, $95 fee)

• No annual fee option: Chase Freedom® Card ($253+ annual value)

• Southwest flyers: Southwest Rapid Rewards® Priority Credit Card ($471+ annual value)

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The key is consistent usage—these benefits reward regularity, not occasional use. If you're deciding between Chase cards and competitor cards, these partnerships differentiate Chase by converting everyday expenses you're already paying into monthly credits and bonus points.

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Start by comparing these six featured cards on Kudos Explore to see personalized recommendations based on your spending patterns. Kudos Insights will then track your benefit usage to ensure you're capturing the full $253-$887+ in annual value.