nextcard teamPublished Jan 12, 2026·Updated Mar 19, 2026
TLDR: There are a number of Chase cards that offer varying amounts of Instacart credits and Instacart+.
What Chase cards offer Instacart benefits?
What Chase United cards offer Instacart benefits?
Advertiser Disclosure: nextcard may receive compensation from card issuers. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain. For the most up-to-date terms & conditions, refer to the official credit card application on the issuer's website.
The information related to United Club℠ Business Card, British Airways Visa Signature® Card, Aeroplan® Credit Card, IHG One Rewards Traveler Credit Card, IHG One Rewards Premier Credit Card, IHG One Rewards Premier Business Credit Card, Marriott Bonvoy Bold® Credit Card, Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bountiful® Credit Card, Southwest Rapid Rewards® Plus Credit Card, Southwest Rapid Rewards® Premier Credit Card, Southwest Rapid Rewards® Priority Credit Card, Southwest® Rapid Rewards® Premier Business Credit Card, Southwest® Rapid Rewards® Performance Business Credit Card, World of Hyatt Credit Card and World of Hyatt Business Credit Card was collected independently by nextcard and has not been reviewed or provided by the card issuer.MoreLess Product details may vary. Please see the issuer website for current information. nextcard does not receive commission for this product.
[@portabletext/react] Unknown block type "tldrBlurb", specify a component for it in the `components.types` prop
Related articles
NC
nextcard teamPublished Jan 12, 2026·Updated Mar 19, 2026
If you love delivering groceries to your doorstep, you’ll love the Instacart benefits you receive on a bunch of Chase credit cards. There’s a plethora of Chase business and personal cards that offer complimentary Instacart+ along with monthly credits on your Instacart orders.
What Chase United cards offer Instacart benefits?
There’s several United credit cards that offer Instacart benefits including complimentary Instacart+ and discounts on orders. The cards are:
United Club℠ Card & United Club℠ Business Card: Complimentary Instacart+ membership through December 31, 2027, two $10 Instacart credits at the beginning of each month (for each card)
United Quest℠ Card: Complimentary 3 months Instacart+ membership, one $10 Instacart credit on your first purchase, and $5 Instacart credit on your second purchase each month with your eligible card (total $15) when you maintain your Instacart+ membership. 50% off an annual Instacart+ membership renewal with your eligible card
United℠ Business Card & United℠ Explorer Card: Complimentary 3 months Instacart+ membership, $10 Instacart credit each month when you maintain your Instacart+ membership with your eligible card, 25% off an annual Instacart+ membership renewal with your eligible card
All of the Instacart benefits on the United cards are a nice little bonus to the benefits each card offers. What sticks out to me is the fact that you can get complimentary Instacart+ through December 31, 2027 with the United Club℠ Card or United Club℠ Business Card—Instacart+ is normally $99 annually so this can end up being over $180 in value. Instacart+ makes delivering groceries a much more reasonable option as well.
How do I activate my Instacart benefits on a Chase United card?
In order to get your Instacart benefits on a Chase United card, you’ll need to use this Instacart/United link and follow the instructions.
After you have enrolled your card and have your Instacart account set up, you will be on your way to getting monthly credits and enjoying the benefits of Instacart+.
What are some other Chase cards that offer complimentary Instacart+ and Instacart credits?
Here are some Chase cards that offer complimentary Instacart+ for 3 months along with a $10 monthly Instacart credit:
Aer Lingus Visa Signature
British Airways Visa Signature® Card
Iberia Plus Visa Signature
Aeroplan® Credit Card
IHG One Rewards Traveler Credit Card
IHG One Rewards Premier Credit Card
IHG One Rewards Premier Business Credit Card
Marriott Bonvoy Bold® Credit Card
Marriott Bonvoy Boundless® Credit Card
Marriott Bonvoy Bountiful® Credit Card
Southwest Rapid Rewards® Plus Credit Card
Southwest Rapid Rewards® Premier Credit Card
Southwest Rapid Rewards® Priority Credit Card
Southwest® Rapid Rewards® Premier Business Credit Card
Southwest® Rapid Rewards® Performance Business Credit Card
World of Hyatt Credit Card
World of Hyatt Business Credit Card
Pretty much all the Chase cobranded credit cards offer this credit. This is quite an extensive list of cards that offer a $10 monthly Instacart credit along with 3 months of complimentary Instacart+. If you are someone who loves points and miles like myself, there’s a good chance you have some of these cards.
I personally have the Marriott Bonvoy Boundless® Credit Card and IHG Premier Card—with both of these cards I get $20 total of Instacart credits and 6 months total of Instacart+!
How do I activate these cards for Instacart benefits?
In order to get your Instacart benefits, you’ll need to use this other link for the Chase/Instacart partnership and then follow the rest of the prompts.
What are the benefits for the Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card via Instacart?
I absolutely love when it's the beginning of a month because that means I have $40 of credit while also taking advantage of Instacart+. Here’s an order I placed where I got a pound of ground lamb, parmesan cheese and Quaker Rice Cakes delivered to my door for just $4.49 using my Instacart benefits.
This would normally cost around $20-$25 in the store and I could order it for less than $5 all from the comfort of my home!
A similar story with this order as well where I got $20-$25 of food for just $4.98.
How do I activate my Instacart benefits on the Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card?
In order to get your Instacart benefits, you’ll need to use this link and then follow the rest of the prompts.
What does Instacart+ get you?
With Instacart+, you’ll get $0 delivery fees on eligible orders of $10 or more. This is particularly useful because most of the Chase Instacart credits are awarded in $10 batches. Meaning, if your order is close to $10, then you'll typically just be charged the service fee out of pocket.
There’s two other neat benefits connected to Instacart+—Peacock Premium at no additional cost and a free one year subscription to New York Times Cooking.
Peacock Premium costs $109.99 a year which is fantastic considering you are getting this benefit via Instacart+ simply with a credit card. The New York Times Cooking subscription isn’t a huge benefit for me as I like to look up recipes online at various sources. But, if you’re a foodie and enjoy cooking you might enjoy the subscription.
Can I stack my Instacart+ benefits?
You might’ve noticed that all of the Instacart+ offers on these Chase credit cards are temporary. Well, the neat thing is that you can extend your Instacart+ membership simply by adding another credit card that has a complimentary Instacart+ offer. You could end up extending your complimentary Instacart+ by years depending on the number of cards you have.
In my case, since I have several qualifying Chase cards, I was able to get over 12 months of free Instacart+. And for every month of Instacart+, that means I have more credits to take advantage of every month.
Final Remarks
I have always prioritized other benefits on credit cards over these Instacart perks and I regret that. The Instacart benefits on certain Chase cards are worth taking advantage of every single month. And for some folks every time they shop for groceries. The complimentary Instacart+ allows you to mostly remove your delivery fees, making Instacart a competitive option to shopping in-store.
If you have one of the Chase cards with Instacart benefits, will you be making some delivery orders?
FAQs
Is it worth paying for Instacart+ after my complimentary offer expires?
Before deciding whether it’s worth it to buy Instacart+, I would look into if you have other credit cards that have complimentary Instacart+ to extend your membership. And I would rather shop in-store than pay for Instacart+.
Do I have to buy groceries on Instacart?
Nope. You can shop at stores like PetSmart, Dollar Tree, Dick’s Sporting Goods and other options.
Is Instacart better than DoorDash?
I haven’t noticed a difference in quality of delivery between DoorDash and Instacart. Although, I will say that Instacart orders sometimes take longer.
Is it worth getting a credit card just for the Instacart benefits?
No. These Instacart benefits should be seen as an added bonus to cards, rather than a key feature. For us, it's a nice to have.
Do I have to use my Instacart benefits to make the most out of my credit card?
No—don’t feel like you have to use all of your credit card benefits to get good value. It can become stressful and overwhelming for some.
