Chase has added Instacart benefits to a bunch of cards. There are essentially two different offers. One for business cards and one for some co-branded cards. For some reason, the second offer does not work for all co-branded cards.
Business card offer
The business card offer is three months of Instacart+ and a $20 monthly credit. For some reason, the only cards eligible are the Chase Ink Cash and Chase Ink Unlimited. The other two Chase Ink cards are not eligible. Also, some business cards that are co-branded fall under the second tier.
Co-branded offer
The co-branded offer is for three months of Instacart+ and a $10 monthly credit. The cards eligible are:
Marriot Bonvoy
• Marriot Bonvoy Boundless® Credit Card • Marriot Bonvoy Bountiful™ Credit Card • Marriot Bonvoy Bold® Credit Card • Ritz-Carlton™ Credit Card
Southwest
• Southwest Rapid Rewards® Priority Credit Card • Southwest Rapid Rewards® Premier Credit Card • Southwest Rapid Rewards® Performance Business Credit Card • Southwest Rapid Rewards® Premier Business Credit Card
IHG One Rewards<
• IHG One Rewards Premier Credit Card • IHG One Rewards Traveler Credit Card • IHG One Rewards Premier Business Credit Card
Disney
• Disney® Premier Visa® Card • Disney® Visa® Card
World of Hyatt
• World of Hyatt Credit Card • World of Hyatt Business Credit Card
Other Co-brand Cards
• Aer Lingus Visa Signature® Credit Card • Aeroplan® Card • British Airways Visa Signature® Credit Card • Iberia Visa Signature® Credit Card
Conspicuously absent from this list are the United cards.
Stacking benefits
You can stack as many cards as you have but only one per card. So if you have five Chase Ink Cash cards, you can only use one of them. But if you have every single card on this list, you should be able to stack them all together. I stacked 3 cards to get two $20 credits and one $10 credit. I also extended my Instacart+ membership out until next year. It adds 3 months each time you add a card. It’ll look like this:
Don’t forget to cancel!
One of the ways they get you is that they hope you just get used to Instacart+ and so you keep getting your free benefits. See the monthly benefits continue until 2027 but the Instacart+ membership runs out beforehand (assuming you don’t have enough cards to extend this out. Luckily, it’s pretty easy to cancel. When you’re logged in, click on Instacart+ on the left hand side and you’ll see this:
If this works out, I might just keep it. $99 a year to get $50 of stuff for free seems like a good trade off but for now, I’ve put this date in my calendar to cancel the membership if I decide not to continue with it.
How to sign up and apply this promo
To really maximize this and get even more money out of it, I suggest you follow these steps:
Step 1: Sign up using a browser. Do not download the app yet. If you use this link: https://inst.cr/t/40584a2f6, you’ll get $10 off one order worth $35 or more. So use that link to sign up and create an account. Do not add any payments yet or do anything else.
If you already have an account, don’t worry. You can still get this promo. Just skip step 1.
Step 2: Once you have created your account and you are logged in, you have to use the appropriate link for each offer. I don’t know why they make this so annoying as DoorDash made this much easier but this is how they do it. There are two different links.
The first link for the Chase Ink cards is https://www.instacart.com/p/chase-ink
The second link for all the other cards is https://www.instacart.com/p/chase-cobrands
Step 3: Repeat step 2 with all of the eligible cards that you have. You have to go through the promo link to get this to work. You can’t just add the cards to your account.
Step 4: Add the cancel date to your calendar
Step 5: Download the app.
Step 6: If you use Rakuten, be sure to visit https://www.rakuten.com/shop/instacart to make sure that you are getting your cash back/points. If you’re not signed up with Rakuten yet, you can use this link to get $30 free when you spend $30. Sometimes it’s $40 when you spend $40.
Step 7: If you’re in two-player mode, do all of these steps with P2. My P2 has all the same cards so we should be able to get $100 per month for free!
Conclusion
Assuming they don’t nerf this stacking benefit at some point soon, this is a really fantastic benefit especially if you have numerous eligible cards. Just keep in mind that some things might be more expensive on Instacart+ than they would be normally. Since you are getting things for free, it really doesn’t matter. Just make sure to keep that in mind if you do go over the monthly allotment. However, there are also sales and promos that are specific to Instacart+. Also, if you choose pick up, you’ll be saving on any delivery fees.
Let us know how you’ve used this benefit in our Facebook group.