🛒 Instacart+ Perks for Chase Ink Cardholders

Chase Ink delivered some delicious news, literally. Whether you're running a business, a household, or just trying to survive until dinner, your Ink Business Cash® or Ink Business Unlimited® Credit Card (plus the legacy Ink Cash®) now unlocks free Instacart+ membership and monthly credits.

Let’s unpack how this offer works, who gets it, and how to squeeze every last avocado out of it.

🧾 What's the Deal?

If you carry one of the eligible Chase Ink cards, you get:

• 3 months of Instacart+ for free
• $20 in monthly Instacart credits through December 2027

All you need to do is activate the benefit via your Instacart account and pay with your Chase Ink card at checkout. The credit will auto-apply. Easy peasy, lemon delivery.

✅ Eligible Cards

This new perk is available for:

• Ink Business Cash® Credit Card
• Ink Business Unlimited® Credit Card
• Ink Cash® (yes, the OG version)

These are no annual fee cards, so this is truly a free lunch—well, groceries—but close enough.

📅 Stack 'Em Like a Pro

Got multiple eligible Ink cards? Don’t let them sit idle. You can link every one of them to your Instacart account, and here’s where it gets fun:

• Each card adds another 3 months to your Instacart+ free trial
• You’ll see each $20 monthly credit listed under your account
• But—don’t get greedy—you can only use one credit per order

So, if you’ve got all three cards, you could get up to 9 months of Instacart+ and $60 in monthly credits appearing in your account (but still one per checkout). Still, that’s a win.

You can add multiple Chase Ink cards to your Instacart account, but they must be different card types. For example, if you have two Ink Business Cash® cards, you can’t add them both to the same Instacart account.

However, you’ve got options:

• Option 1: Create a second Instacart account and link the second card there.
• Option 2: After your first 3-month trial ends, remove the original card from your account, then add the second card to start a new trial period.

Either way, you can still make the most of the stacked benefits, you just need to play it smart.

🛒 What You Get with Instacart+

• $0 delivery fees on grocery orders of $10+ (Costco minimum $35). Restaurant delivery of $25+ also qualifies. Service fees and tip still apply.

• Bonus perks thrown in: Peacock streaming and NY Times Cooking access—if you go all-in for the annual plan.
  dannydealguru.com

💡 Insider Tip: Skip Delivery, Pick Up Instead

To get the most out of that $20 credit, use store pickup instead of delivery. Why?

• Avoid product markups
• Dodge service fees
• No tipping needed

This stretches your credit further—so $20 actually buys you $20 worth of groceries. That monthly credit alone (x12 = $240/year) outweighs the cost.

✅ How to Claim the Deal

• Create or log into your Instacart account.

• Head to Your Instacart+ membership in app or site.

• Spot the “Unlock special offers”—activate it using your eligible Ink card.

• Use your card at checkout—$20 credit should auto-magically apply each month.

⚠️ Don’t Miss These Quirks

• Mastercard, Apple Pay, or Google Pay? Nope. Use the physical Ink card.

• Credits don’t roll over so, use it or loose it.

• Not planning to hang around after the free trial? Be sure to set a calendar alert to cancel before your renewal hits. If you forget, you’ll be automatically charged $99/year for Instacart+. That’s fine if you love the service—but annoying if you meant to just test-drive it and ghost.

📊 Quick Recap

🛍️ Final Thoughts

This Instacart benefit is one of those no-effort wins. Whether you’re a business owner who lives off office snacks or a parent just trying to make one less store run, it’s worth linking your cards and letting the savings do their thing.

Don’t forget:

• Link all your eligible Ink cards
• Use store pickup to maximize credit
• Cancel before your free trial ends if you’re not continuing

Free groceries (well, sorta), less driving, and one less thing on your to-do list? That’s what we call efficiency with a cherry on top.

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