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Good news for fans of grocery delivery services: Chase is offering bonus Instacart statement credits for certain Chase Sapphire®, Chase Freedom® and Chase Slate® card customers. Eligible cardholders can get up to $15 per month in automatic statement credits for Instacart purchases after activating their Instacart+ membership at www.instacart.com/chase—and that’s in addition to the complimentary Instacart+ membership available with some cards. 

Instacart+ membership normally costs $9.99 per month or $99 per year and includes free delivery on orders over $35, reduced fees on hundreds of grocery and retail partners, and credit back on eligible orders. Here are the Chase credit cards that offer Instacart perks and all the details on the benefits.

Recommended Chase Cards With Instacart+ Perks

Credit Card Instacart+ Membership Instacart+ Credits Annual Fee Intro Bonus Learn More

Chase Sapphire Preferred®

6 months free

Up to $15 quarterly

$95 60,000Chase Ultimate Rewards Points More Info

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $1,380 (60,000 Chase Ultimate Rewards Points * 0.023 base)

Chase Freedom Unlimited®

3 months free

Up to $10 quarterly

$0 1.5%Extra Cash Back More Info

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Chase Freedom Flex℠

3 months free

Up to $10 quarterly

$0 $200Cash Bonus More Info

Receive a $200 bonus after you spend $500 in the first three months.

Chase Sapphire Reserve®

12 months free

Up to $15 monthly

$550 60,000Chase Ultimate Rewards Points More Info

Earn 60,000 bonus points after using your card to spend $4,000 within three months of account opening. Dollar Equivalent: $1,380 (60,000 Chase Ultimate Rewards Points * 0.023 base)

Chase Sapphire Preferred®

Apply Now

Secure application on issuer’s website

  • Our Rating 5/5 How our ratings work Read the review
  • APR21.49% - 28.49% (Variable)
  • Annual Fee$95
  • Sign Up Bonus 60,000Chase Ultimate Rewards Points More Info

    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $1,380 (60,000 Chase Ultimate Rewards Points * 0.023 base)

The Chase Sapphire Preferred Card is one of the gold standards for earning travel rewards. It has a generous sign-up bonus and you can earn points on travel and dining expenses. The card does have an annual fee, but you can continue earning points through bonus categories and an anniversary points boost.

Overview

The Chase Sapphire Preferred is pretty flexible as it lets you transfer rewards points into miles or points several airlines and hotel programs. You can take advantage of strong transfer partners such as United, Southwest, Singapore Airlines, Virgin Atlantic and Hyatt. Similarly, you can book any reservation you want through the Chase Ultimate Rewards travel portal. Although the card might not be ideal for the most frequent travelers, it has a built-in upgrade path, so when it’s time to level up your travel rewards game, you won’t have to start from scratch.

Pros

  • Points are easily transferable to airlines and hotel partners
  • Accelerated earnings on dining, travel & household purchases
  • Excellent travel and purchase protections
  • No foreign transaction fees

Cons

  • Not ideal for the highest spenders
  • $95 annual fee

Instacart benefits with Chase Sapphire Preferred®:

  • 6 months of complimentary Instacart+ membership; activate by July 31, 2024
  • Up to $15 in quarterly statement credits for Instacart+ members through July 2024

Chase Freedom Unlimited®

Apply Now

Secure application on issuer’s website

  • Our Rating 4.5/5 How our ratings work Read the review
  • APR20.49% - 29.24% (Variable)
  • Annual Fee$0
  • Sign Up Bonus 1.5%Extra Cash Back More Info

    Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

We like that the card offers a high flat rewards rate but also provides accelerated rewards on some common everyday spending categories. You’ll also get access to the Chase Travel portal, which allows you to use your cash-back earnings for travel rewards, gift cards and more. If you make this your primary card for most purchases you can quickly rack up a lot of rewards.

Overview

The Chase Freedom Unlimited card is unique for a couple of reasons. First, it comes with purchase protection and extended warranty protection you don’t see with some other cash-back cards. Second, you earn cash back in the form of points (Chase Ultimate Rewards) and when paired with another annual-fee earning Chase product, you can get even more value if you love to travel by transferring to partners.

That’s because while the Freedom cards are marketed as cash-back credit cards, they actually offer points. You can use those points to book travel through Chase at a rate of 1 cent per point. But if you have the Chase Sapphire Preferred® or Chase Sapphire Reserve®, you’ll get 25% and 50% more value on those travel redemptions, respectively. (Plus, the ability to transfer your points, too.)

Pros

  • No category bonuses to remember; earn at least 1.5% back on everything
  • No annual fee
  • Generous travel and purchase protection benefits

Cons

  • Can't transfer Chase points unless paired with another annual-fee Chase product

Instacart benefits with Chase Freedom Unlimited®:

  • 3 months of complimentary Instacart+ membership; activate by July 31, 2024
  • Up to $10 in quarterly statement credits for Instacart+ members through July 2024

Chase Freedom Flex℠

  • Our Rating 4.5/5 How our ratings work
  • APR20.49%-29.24% (Variable)
  • Annual Fee$0
  • Sign-Up Bonus $200Cash Bonus More Info

    Receive a $200 bonus after you spend $500 in the first three months.

The Chase Freedom Flex card expands on the already lucrative Chase Freedom card. The Freedom Flex also gives cardholders access to Chase Ultimate Rewards, which is arguably the most versatile rewards platform, and you’ll get plenty of redemption options at good rates. Plus, if you have one of the program’s travel cards, you can transfer points from your Freedom Flex to your travel card account and get even more value and flexibility with how you redeem.

Overview

Getting more in cash back is a clear win for anyone who is considering the Freedom Flex card. This card is ideal for anyone who want to maximize cash-back rewards with the option to get more value with travel redemptions.

Pros

  • Generous earnings on select rotating categories each quarter
  • Cellphone and trip insurance coverage
  • No annual fee
  • Ability to convert rewards to transferable Ultimate Rewards points

Cons

  • Can't transfer Chase points to travel partners unless paired with select products

Instacart benefits with Chase Freedom Flex℠:

  • 3 months of complimentary Instacart+ membership; activate by July 31, 2024
  • Up to $10 in quarterly statement credits for Instacart+ members through July 2024

Chase Sapphire Reserve®

Apply Now

Secure application on issuer’s website

Rates & Fees
  • Our Rating 4.5/5 How our ratings work Read the review
  • APR22.49% - 29.49% (Variable)
  • Annual Fee$550
  • Sign-Up Bonus 60,000Chase Ultimate Rewards Points More Info

    Earn 60,000 bonus points after using your card to spend $4,000 within three months of account opening. Dollar Equivalent: $1,380 (60,000 Chase Ultimate Rewards Points * 0.023 base)

This card features an annual credit for travel purchases, which can offset the annual fee, plus bonus points when you sign up. You'll also get free access to tons of Priority Pass lounges and restaurant options around the world, along with access to the upcoming Chase Sapphire Lounge network.

Overview

If you’re looking to elevate your travel experience, look no further than the Chase Sapphire Reserve. When you first get approved, you’ll earn a sign-up bonus of 60,000 points after you spend $4,000 in the first three months—that’s worth at least $900 in travel-related spending booked through Chase Ultimate Rewards® and potentially more if you transfer your rewards to one of Chase’s airline or hotel partners.

Pros

  • An array of premium travel perks including access to Priority Pass lounges
  • Easy-to-use $300 travel credit that helps offset card's annual fee
  • Generous rewards rates for spending

Cons

  • High annual fee may be a deterrent for some
  • Perks are starting to get stale relative to newer competition

Instacart benefits with Chase Sapphire Reserve®:

  • 12 months of complimentary Instacart+ membership; activate by July 31, 2024
  • Up to $15 in monthly statement credits for Instacart+ members through July 2024

Other Chase Credit Cards With Instacart Benefits

These other Chase credit cards also offer three free months of complimentary Instacart+ membership when activated by July 2024: 

  • Chase Freedom®
  • Chase Freedom Rise℠
  • Chase Freedom® Student
  • Chase Slate®
  • Chase Slate Edge℠
instacart app
Instacart

How to Activate and Use Your Instacart+ Perk

To activate and use the Instacart+ perk, make sure you have an eligible card and then follow these steps:

  1. Go to instacart.com/chase.
  2. Pick “Get started” to either create an account or to log in.
  3. Add your Chase credit card.
  4. Select “Activate now” to start your membership.
  5. Be sure to activate your membership by July 31, 2024.

You can have one complimentary membership per eligible card and you will be automatically renewed for a one-year membership if you don’t cancel in time. If you’re eligible for monthly statement credits with the card you have, you’ll see them appear on your credit card bill within one or two billing cycles. Quarterly credits should appear in the same quarter you make a purchase.

It’s always nice to receive additional benefits on existing credit card products, and it looks like Chase’s growing partnership with Instacart is a win for everyone thus far. These perks are perfect for occasional Instacart customers who want to earn rewards for everyday spend on grocery and retail deliveries, but don’t want to sign up for a dedicated Instacart credit card

KF

Katherine Fan

Katherine Fan is a Personal Finance writer, travel journalist, and small business owner with over 6 years of experience writing for the top rewards travel and personal finance publications. Katherine has written more than 1,500 articles on personal finance and travel for media publications such as NerdWallet, The Points Guy, CreditCards.com, LendingTree, Forbes Advisor, USA TODAY and Upgraded Points in addition to Slickdeals.