How to Get Free Instacart+ with Chase Credit Cards (2025 Guide)

Featured Cards: Your Best Options

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For Small Business Owners: Ink Business Cash® Credit Card

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Why It's Perfect: This card offers the highest Instacart credits ($20/month) combined with exceptional cash-back earning rates.

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Key Benefits:

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• $20/month Instacart credit ($240 per year)

• 3 months of complimentary Instacart+ membership

• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year

• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year

• $0 annual fee

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Real Example: Sarah holds the Ink Business Cash® Credit Card and spends $80/month on Instacart for her small business's office supplies and snacks. She uses her $20 monthly credit every month, saving $240 annually while also earning 5% cash back on her first $25,000 in combined office supply purchases each year.

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Who Should Get This: Small business owners who use Instacart for business supplies or employee snacks, or anyone with a side business who can qualify for a business card.

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For Hotel Loyalists: World of Hyatt® Credit Card

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Why It's Perfect: This card combines excellent hotel benefits with solid Instacart perks, making it ideal for travelers who also value grocery savings.

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Key Benefits:

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• $10/month Instacart credit ($120 per year)

• 3 months of complimentary Instacart+ membership

• Free night award annually (worth $200+) at Category 1-4 properties

• Automatic Discoverist status

• Earn 4X points on Hyatt hotel stays

• Earn 2X points on fitness club memberships, dining, airline tickets purchased directly with the airline, and local transit and commuting

• $95 annual fee (easily offset by hotel benefits)

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Who Should Get This: Frequent hotel guests who value Hyatt properties and want to stack hotel rewards with grocery savings.

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For Southwest Flyers: Southwest Airlines® Rapid Rewards® Premier Credit Card

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Why It's Perfect: This card delivers excellent Southwest benefits plus valuable Instacart perks for everyday savings.

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Key Benefits:

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• $10/month Instacart credit ($120 per year)

• 3 months of complimentary Instacart+ membership

• Earn 2X points on Southwest® purchases and local transit and commuting, including rideshare

• Earn 2X points on internet, cable, and phone services, select streaming

• Earn 2X points on social media and search engine advertising

• Annual flight credits and bonus points for cardholders

• Earn up to 1,500 Tier Qualifying Points (TQPs) per calendar year toward A-List or A-List Preferred status with each $10,000 you spend on purchases

• $99 annual fee

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Who Should Get This: Southwest loyalists who want to maximize their points earning while enjoying grocery delivery perks.

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For Marriott Members: Marriott Bonvoy Boundless® Credit Card

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Why It's Perfect: This card balances hotel rewards with everyday benefits, including valuable Instacart credits.

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Key Benefits:

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• $10/month Instacart credit ($120 per year)

• 3 months of complimentary Instacart+ membership

• Free night certificate annually (up to 50,000 points value)

• Automatic Silver Elite status

• Earn 6X points per $1 spent at participating Marriott Bonvoy hotels

• Earn 3X points per $1 spent on eligible purchases at U.S. restaurants, U.S. gas stations, wireless telephone services, U.S. grocery stores, and U.S. fitness club or gym memberships

• Earn 2X points per $1 spent on all other eligible purchases

• $95 annual fee (offset by hotel benefits)

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Who Should Get This: Marriott loyalists who travel regularly and want to add grocery delivery savings to their travel rewards strategy.

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For Maximum Flexibility: Ink Business Unlimited® Credit Card

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Why It's Perfect: This card offers the highest Instacart credits combined with unlimited cash back on all purchases—no category tracking needed.

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Key Benefits:

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• $20/month Instacart credit ($240 per year)

• 3 months of complimentary Instacart+ membership

• Earn unlimited 1.5% cash back on all purchases

• Simple earning structure with no rotating categories or spending caps

• $0 annual fee

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Who Should Get This: Business owners or those with a side hustle who want the highest Instacart credits plus straightforward unlimited cash back.

The Break-Even Analysis: Is It Worth It?

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Let's be honest about the math. Here's what it takes to maximize value from each tier:

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For Cards with $20/month credit (Ink Business Cards)

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• Monthly requirement: Spend $20+ on Instacart using your eligible Chase card

• Annual break-even: Just $240 in Instacart purchases (about $20/month)

• Verdict: If you shop online even twice a month, you'll easily hit the minimum and pocket the full $240 in annual credits.

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For Cards with $10/month credit (Co-Branded Cards)

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• Monthly requirement: Spend $10+ on Instacart

• Annual break-even: $120 in purchases

• Verdict: Even occasional users (1-2 orders per month) benefit significantly.

Step-by-Step: How to Activate Your Free Instacart+ Membership

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The activation process is straightforward, but there are important details you need to know:

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Step 1: Determine Your Eligibility
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Check if you hold one of the eligible Chase cards listed above. If you have multiple eligible cards, you can activate the benefit with each one.

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Step 2: Visit the Correct Activation Page
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This is critical—different card families use different activation URLs:

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• For Ink Business cards: Visit instacart.com/p/chase-ink

• For co-branded cards: Visit instacart.com/p/chase-cobrands

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Step 3: Sign In or Create an Instacart Account
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Use your existing Instacart account or create a new one. You can activate this benefit even if you previously had Instacart+ or are currently on a trial.

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Step 4: Add Your Eligible Chase Card
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When prompted for payment information, add your eligible Chase credit card. This card will be used for your purchases to receive the monthly credits.

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Step 5: Activate the Benefit
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Complete the enrollment process. Your 3-month complimentary membership begins immediately.

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Step 6: Set a Calendar Reminder
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Important: After 3 months, your membership will auto-renew at $99/year unless you cancel. Set a reminder for 2 weeks before your trial ends to decide whether to continue. Since you'll keep receiving monthly credits as long as you have an active Instacart+ membership, most users find it worth keeping.

Pro Tips to Maximize Your Credits

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💡 Tip #1: Stack Multiple Eligible Cards

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If you hold multiple eligible Chase cards, you can receive credits from each one. For example:

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Real scenario: Marcus has both the Ink Business Cash® Card ($20/month) and the World of Hyatt® Card ($10/month). By using each card for separate Instacart purchases monthly, he receives $30 total in credits every month = $360/year.

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Important: Each monthly credit only applies to purchases of $10 or more made with that specific card.

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💡 Tip #2: Credits Don't Roll Over

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Your monthly credits expire at the end of each calendar month. Use them or lose them. Set a monthly reminder on your phone for the last week of each month to use any remaining credits.

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💡 Tip #3: Remember the Purchase Minimum

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Each monthly credit requires a minimum purchase of $10 with one retailer using your eligible card. Plan your orders accordingly to ensure you meet this threshold.

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💡 Tip #4: Track Your Credit Usage

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Keep a simple spreadsheet or use Kudos' Hidden Perks feature to track which credits you've used each month. This ensures you're extracting maximum value from your cards.

Who Should Get a Chase Card for This Benefit?

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✅ This Benefit is Perfect For:

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1. Regular Instacart Users‍

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If you're already using Instacart at least once a month, the monthly credits are pure savings. You're not changing your behavior—you're just getting paid to shop as you normally would.

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2. Small Business Owners‍

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The Ink Business cards offer the highest credits ($20/month) and allow you to order office supplies, snacks, and grocery items for your business through Instacart. You'll also earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year with the Ink Business Cash® Card.

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3. Frequent Travelers‍

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If you hold a hotel co-branded card for travel benefits, the Instacart+ perk adds substantial value to cards you're already using for flights and hotels.

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4. Households Spending $300+/month on Groceries‍

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The average American household spends $779/month on food. If you're anywhere near this average and willing to shift some purchases to Instacart, you'll easily recoup the value—and then some.

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⚠️ This Benefit May Not Be Worth It If:

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1. You Never Use Grocery Delivery‍

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If you prefer shopping in person and have no interest in delivery or pickup, these credits will sit unused. However, consider that Instacart offers 5% off pickup orders with Instacart+, so you can still benefit without delivery.

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2. You Live in a Rural Area Without Instacart Coverage‍

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Check Instacart's availability in your ZIP code before pursuing a card primarily for this benefit.

The Hidden Opportunity Cost: What You're Leaving Behind

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Let's talk about what you're missing if you have an eligible Chase card and aren't using this benefit:

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Scenario: You hold a World of Hyatt® Credit Card but haven't activated Instacart+.

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What you're losing annually:

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• $99 Instacart+ membership value

• $120 in monthly credits

• $79.99 Peacock Premium value

• $40 NYT Cooking value

• Approximately $520 in delivery fee savings (2 orders/week × $5/delivery × 52 weeks)

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Total opportunity cost: $858.99 per year

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Time to activate: 5 minutes

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‍Annual return on time invested: $858.99 / 5 minutes = $171.80 per minute of your time

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That's better than any side hustle.

Important Terms & Limitations You Should Know

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Expiration Date‍

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These benefits are valid through December 31, 2027. Activate before this date to lock in your complimentary membership.

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Auto-Renewal‍

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After your 3-month complimentary period ends, Instacart+ will automatically renew at $99/year. However, you'll continue receiving your monthly credits as long as you maintain the membership, which typically makes it worth keeping.

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Credit Redemption Requirements

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• Credits appear at the beginning of each month

• Each credit is valid only for that calendar month

• Each credit requires a minimum purchase of $10 from one retailer

• You must use your eligible Chase card for the purchase

• Unused credits don't roll over

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Multiple Cards‍

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If you have multiple eligible Chase cards, you can receive benefits from each, but you must use the specific card that earned the credit for each purchase.

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Cancellation Policy‍

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You can cancel your Instacart+ membership anytime. You'll receive a refund if you cancel within 5 days of the start of the paid membership term and haven't placed any orders or activated additional subscription offers.

Should You Apply for a Chase Card to Get This Benefit?

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Here's my honest take: The Instacart+ benefit alone probably shouldn't be your primary reason for getting a Chase card—but it's a fantastic bonus that can tip the scales if you were already considering one.

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When It Makes Sense to Apply:

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✅ You're already interested in the card's primary benefits (travel rewards, hotel points, business cash back) and Instacart+ is a valuable add-on

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✅ You spend $120+ per year on Instacart and can easily use the monthly credits

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✅ You want to consolidate spending on one card ecosystem (Chase Ultimate Rewards offers excellent flexibility

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✅ The card's annual fee is justified by the combination of its primary benefits plus the Instacart+ value

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Red Flags That Suggest Waiting:

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🚫 You're only getting the card for Instacart+ and won't use its other benefits

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🚫 You rarely or never shop online for groceries and won't change this habit

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🚫 You're already at Chase's 5/24 limit (Chase typically won't approve you for new personal cards if you've opened 5+ cards across all issuers in the past 24 months)

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🚫 You can't meet the card's welcome bonus spending requirement

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Final Verdict: A Hidden Gem Worth Claiming

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The Chase-Instacart partnership represents one of the best under-the-radar credit card benefits of 2025. With up to $240 in annual credits plus a complimentary Instacart+ membership, you're looking at $300-$400 in annual value that most cardholders don't even know exists.

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The numbers don't lie:

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• 3 months free Instacart+ = $25 value

• Monthly credits = $120-$240 annual value

• Peacock Premium = $79.99 value

• NYT Cooking = $40 value

• Delivery fee savings = $260-$520+ annual value

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Total value: $524.99-$904.99 per year

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Even if you only use half these benefits, you're still getting hundreds in value from a perk that takes 5 minutes to activate.

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The best part? This isn't a limited-time promotion—it's valid through at least December 31, 2027, giving you nearly three years to extract value.

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Bottom line: If you have an eligible Chase card sitting in your wallet, activate this benefit today. If you're considering a Chase card and regularly use Instacart, factor this $200-$300 annual value into your decision-making.

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Time is literally money here. Every month you delay is another $10-$20 in unused credits.

Frequently Asked Questions

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Can I use multiple Chase cards to get multiple Instacart credits?‍

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Yes! If you hold multiple eligible Chase cards, you can receive credits from each card. For example, if you have both an Ink Business Cash® Card and a World of Hyatt® Card, you'll get $20/month + $10/month = $30/month in total credits ($360/year). Just make sure to use the specific card that earned each credit when making purchases.

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Do I need to keep my Chase card active to maintain the monthly credits?‍

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Yes. You must keep your eligible Chase card open and in good standing to continue receiving monthly Instacart credits. If you close the card, you'll lose access to the benefit.

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Can I share my Instacart+ membership with family members?‍

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Yes! Instacart+ allows you to add family members to your account. They'll be able to share carts and benefits, but remember that your monthly credits are tied to purchases made with your specific eligible Chase card.

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

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Unfortunately, monthly credits expire at the end of each calendar month and don't roll over. If you don't use your $10 or $20 credit in a given month, you lose it. Set a monthly reminder to ensure you don't waste these credits.

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Does the 3-month free trial start immediately?‍

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Yes, your complimentary 3-month Instacart+ membership begins as soon as you activate the benefit. After 3 months, it will automatically convert to a paid annual subscription at $99/year unless you cancel.

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Can I cancel Instacart+ after the free 3 months?‍

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Yes, you can cancel anytime. However, keep in mind that you'll only receive your monthly Instacart credits if you maintain an active Instacart+ membership. For most users, the monthly credits ($120-$240/year) far exceed the $99 annual membership cost, making it worth keeping.

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I already have Instacart+. Can I still get this benefit?‍

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Yes! Even if you're currently an Instacart+ subscriber, you can still activate the Chase benefit and receive the monthly credits. Your existing subscription will be credited accordingly.

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What types of purchases qualify for the monthly credits?‍

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Your monthly credits can be used on any purchase from Instacart of $10 or more from one retailer. This includes groceries, convenience items, retail products, and restaurant orders (where available). The credit applies to your purchase total, which includes items, service fees, and tips—but you must use your eligible Chase card for the transaction.

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How do I know if Instacart delivers to my area?‍

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Visit Instacart.com and enter your ZIP code to check availability in your area. Instacart operates in most major U.S. cities and many suburban areas, but coverage can be limited in rural regions.

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Can I use the Instacart+ benefit for Costco deliveries?‍

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Yes! Instacart+ includes $0 delivery fees on Costco orders of $35 or more. This is particularly valuable since Costco normally charges higher delivery fees. You don't need a Costco membership to order through Instacart, though prices may be slightly higher for non-members.

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How does Kudos help me maximize this benefit?‍

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Kudos automatically tracks all your credit card perks, including Instacart+ benefits. It'll remind you about unused monthly credits, suggest which card to use for each purchase to maximize rewards, and help ensure you're not leaving any money on the table. It's like having a personal assistant for your credit cards—and it's completely free.

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Ready to start saving?

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If you have an eligible Chase card, activate your free Instacart+ membership today and start claiming your monthly credits. If you don't have an eligible card yet, explore Chase's lineup on Kudos to find the right card for your spending habits.

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Don't forget to sign up for Kudos to track your Instacart credits and discover other hidden benefits you might be missing across all your credit cards.