Get a Free Instacart+ Subscription With These Two Credit Cards

The key to free grocery delivery may not be a limited-time promo code. Many credit card owners are entitled to a six- to 12-month subscription to Instacart, the grocery delivery service.

Here's the deal. You can get a free Instacart+ subscription with these two cards: Chase Sapphire Preferred® Card and Chase Sapphire Reserve®. If you already have one or get one soon, you may qualify for same-day grocery delivery with no delivery fees.

The downsides: You've got to be a cardholder, and the Chase credit cards, while impressive for their class, are only good for some -- more below, including details on the Instacart+ perk.

Redeem free grocery delivery

The Chase Sapphire Preferred® Card gets you a six-month subscription to Instacart, plus it spots you $15 per quarter for groceries. Chase Sapphire Reserve® extends the subscription to 12 months, and it gives $15 of credit monthly.

Here's how to redeem this free Instacart+ benefit:

1. Go to www.instacart.com/chase.
2. Select Get Started to create your account or log in.
3. Add your Chase credit card.
4. Select Activate Now to begin your Instacart+ membership.

The best part is that the promo applies to new and current Instacart users. You can get free grocery delivery when signing up for the first time or as an extension to your subscription. You must sign up by July 31, 2024, to take advantage of the offer.

Learn more about each card below.

Chase Sapphire Preferred® Card perks

The Chase Sapphire Preferred® Card is a top-tier travel card with a $95 annual membership fee. It's a good fit for frequent travelers because it offers many travel-based perks. What makes it stand out is its rewards program -- users can spend Chase Ultimate Rewards on all sorts of perks.

Top perks:

• The sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• $300 annual travel credit
• Up to 5 points per $1

>> Apply now for the Chase Sapphire Preferred® Card. <<

This card is one of a rare handful on The Ascent's list of best travel credit cards. You can check out the complete list for more travel-related options, including credit cards with no annual fees. No-fee credit cards better suit users who spend less than $300 monthly on travel.

Chase Sapphire Reserve® perks

The Chase Sapphire Reserve® is a premium travel card with a $550 annual membership fee. It's similar to the less-pricey Chase Sapphire Preferred® Card, but it offers up more points (up to 2x more) and extra perks.

Top perks:

• Again, the sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 annual travel credit
• Up to 10 points per $1

>> Apply now for the Chase Sapphire Reserve® card. <<

This card is best suited to travelers who fly three times or more annually and spend a lot of money doing so. The card offers more premium perks than the Chase Sapphire Preferred® Card, including lounge access and credit toward a Global Entry or TSA PreCheck membership.

Who are these Chase cards good for?

Plain and simple: Frequent travelers.

These Chase credit cards are travel cards, no doubt about it. If you don't travel often, I wouldn't recommend them. The Instacart+ subscription is a money-saving perk, no doubt about it. Even so, infrequent flyers might profit more from using versatile cash back credit cards.

But if you travel frequently, they're worth looking into. If you already own one, it may be worth double-checking the available benefits. You could be missing out on ways to maximize your credit card rewards, like extending your current Instacart or DoorDash subscription.