Perhaps you recently heard about Instacart and wonder how to most effectively use it for your grocery delivery needs?
Or, maybe you’re already an Instacart customer and thinking about using its Instacart Express membership.
Don’t make any moves until you read about the newest Instacart credit card promotion with Chase.
Using this new partnership, you can access Instacart Express for free.
In this article, you’ll learn all the details about Instacart credit card promotions designed to make it more affordable to get groceries delivered to your home.
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Does Instacart Have a Credit Card?
In April of 2021, Instacart said it plans to launch its own credit card in partnership with JP Morgan Chase.
As of this writing, the two companies haven’t released the new credit card to the market yet.
They plan to do so sometime in early 2023.
In the original news releases regarding this plan, Instacart indicates that the new Chase/Instacart credit card will offer 5% cashback on all Instacart orders as one of its main benefits.
It’s a similar offer that Uber used when it released its Uber Cash card.
Uber gave 5% back for all Uber Cash cardholders on UberEats orders and Uber rides.
By the way, Uber no longer accepts new applications for this offer.
A co-branded credit card between Instacart and Chase is one interesting expectation for the coming Instacart credit card.
It won’t restrict cardholders from using it on the Instacart website or app only.
Instead, the card will allow people to use it anywhere Chase is already accepted, potentially making it the best credit card offer in the food delivery space.
Instacart’s Partnership with Chase
You don’t need to wait to take advantage of another partnership between the Chase credit card company and Instacart.
A current promotion allows you to save money immediately on all food deliveries via the Instacart app.
What Is the Promotion?
The Chase/Instacart credit card promotion began on October 11, and runs through January 31.
If you use a Chase credit card to sign up for an Instacart Express membership, you’ll get your Express membership free until April 30.
An Express membership usually costs $9.99 per month or $99 for the annual subscription.
The regular benefits include unlimited free deliveries on any $35 or more orders placed through the Instacart app.
Membership also provides discounts on the standard service fees applied to every Instacart order.
Instacart estimates that its Express members save an average of $7 per order.
Using the food delivery app two or three times a month makes the regular $9.99 per month fee for membership worth it.
With the promotion, you can get the $9.99 Instacart fee waived until the end of April 2022.
Over 40 Chase credit cards qualify for this promotion.
Here’s a list of a few cards you can use to claim the offer.
- Chase Sapphire Reserve
- Chase Sapphire Preferred Card (which offers Chase Ultimate Rewards)
- British Airways Visa
- Chase Freedom Unlimited
- Disney Visa
- Southwest Rapid Rewards
- Ritz-Carlton Card
- Starbucks Rewards Visa
- IHG Rewards Club Premier
- United Airlines Club Card
Using one of these credit cards to sign up for Instacart Express gives you $10 off your first Instacart order of $35 or higher.
It also gives you the Instacart Express membership for free until April 30, 2022.
Keep in mind that you’re automatically disqualified from the offer if you already have an Express account.
It’s only good for brand new Express members.
You need to enter one of the qualifying Chase credit cards into your Instacart account to use when signing up for the offer.
It’s only available for Instacart customers in the United States.
Customers in Canada can’t take advantage of the promotion.
You need to sign up for the offer before the January 31, 2022 deadline.
If you’re not sure whether you already own an active Instacart Express membership, you can find out by logging into the Instacart app.
Locate the “Account settings” tab and tap it.
Look to see if you have an Express membership existing there.
If you don’t, then you can hop on this offer immediately.
Instacart won’t charge any membership fees to your credit card until April 30, 2022.
That’s the date when your Express membership converts into a paid service.
Instacart will send you a notification 30 days in advance, however, to remind you about the upcoming April 30 payment date.
How to Sign up for a Chase Credit Card
If you don’t already own a qualifying Chase credit card, you can sign up for one online at the Chase website.
Chase lets anyone living in the United States over the age of 18 apply online for one of its credit cards.
You need to provide information such as your mailing address, Social Security Number (SSN), and information about your financial picture.
Here is all the information your online Chase application will ask for.
You’ll need to provide your full legal name, SSN, and mailing address to get an application started.
From there, the application will ask for your gross annual income.
Gross income means what you earn before paying taxes.
Chase uses this to estimate how much credit to provide your account.
Additional information required includes housing costs, phone numbers, and employment status.
If you’re ready to get started, visit the Chase website here to select the credit card to apply for.
Here are three suggestions if you’re unsure about which card to apply for.
- Chase Freedom Unlimited: It’s the most popular Chase card based on its rewards structure.
- The card offers 1.5% on all purchases and a $200 grocery bonus.
- Chase Sapphire Preferred: A quality travel credit card. It gives you 5x bonus points on travel purchases, 5x bonus points on Lyft rides until March 31, 2022, and over 50,000 bonus points after spending $4,000 within the first 90 days.
- Southwest Rapid Rewards Performance Business: You’ll get 4x bonus points to apply to Southwest Airlines purchases and other attractive bonus points upon signing up.
How to Activate the Chase Instacart Credit Card Promotion
If you have your qualifying Chase credit card in hand, it’s time to claim your free Instacart Express membership.
Visit the promotion link at Instacart.com/chase.
Enter your zip code and click on the “Continue” button to open your account.
After logging into your account, look for a green button that says, “Redeem offer,” and click on it.
Enter your Chase card information.
If you already have a qualifying Chase credit card in an existing Instacart account, then you’re good to go with that.
Fill out all the required information and then click on the membership button.
You now have a complimentary Instacart Express membership until April 30, 2022, and can start benefiting from it.
Can I Cancel the Instacart Express Membership?
You might worry whether it’s difficult to cancel your Instacart Express membership before getting charged for it on April 30, 2022.
Luckily, Instacart makes it easy to cancel it out if you decide to do so.
If you’d rather not see your Express membership automatically switch to the paid version, you can always go into your account to cancel it out.
Simply turn off the auto-renew option that you’ll see there.
You can turn off this option at any time throughout the free trial period.
You’ll continue to enjoy the free benefits up to the end of April.
You might want to do this if you already know that you won’t continue paying for the membership.
Or, simply wait for Instacart’s reminder to appear 30 days before the deadline.
If you keep the membership, Instacart will charge your credit card the $99 annual Express fee at the end of the trial.
Other Instacart Credit Card Promotions
Sometimes, Instacart partners with other companies.
Does Mastercard Offer Instacart Promotions?
At this time, there aren’t any Mastercard promotions available with Instacart.
The two companies did have a promotion that ran from the fall of 2020 through December 2021.
It offered two months of Instacart Express membership for free.
You received the benefit after signing up through Mastercard.
Once the two months ended, the membership converted to the $99 annual fee.
Does Discover Offer Instacart Promotions?
At this time, Instacart and Discover aren’t running any promotions with one another.
Does Visa Offer Instacart Promotions?
The only Visa promotion that currently applies to Instacart is the same promotion discussed above.
You can use any qualifying Chase Visa card to pick up your free Instacart Express membership until April 31, 2022.
These include the following Visa cards.
- British Airways Visa Signature® Card
- Disney® Visa® Card
- Disney® Premier Visa® Card
- British Airways Visa Card
- Aer Lingus Visa Signature® Card
If you’re excited about this Chase/Instacart promotion, it’s time to take quick action.
Make sure you beat the January 31, 2022 deadline to sign up for it.
Hop into your Instacart account and get it set up.