Shopper Rewards Card delivers greater savings
Get rewarded and save more with the Shopper Rewards business debit card and account1, powered by Branch.2
Shoppers get fast, free auto-payouts after every batch3, plus cash back on eligible gas and EV charging4. The higher your Cart Star tier, the more cash back you can earn!
Sign up hassle-free with no credit checks or minimum balance requirements.
Not available in Canada
Fast access to your earnings
Get automatically paid after every batch to your Shopper Rewards account—at no cost to you.3
Get up to 4% cash back on gas as a Diamond Cart
Get 1-3% cash back when you pay at the pump with your Shopper Rewards Card at any station.4 With additional Mastercard-exclusive gas savings at select stations, you can save a total of 2-4% in cash back.5 The higher your Cart Star status, the more you can earn.
Plus, cash back earned from the card adds up with what you earn with Cart Star through Upside.
More exclusive benefits
EV charging
Get 1-3% cash back based on your Cart Star status.4
Hotels & restaurants
Get up to 4% cash rebates when you make eligible purchases.5
ATM cash withdrawals
Withdraw cash for free on your first 8 withdrawals each month at 55,000+ ATMs.6
Frequently asked questions
What is the Instacart Shopper Rewards app?
The Instacart Shopper Rewards app1, powered by Branch, is a digital business account and debit Mastercard2 that supports you to reach your goals and more seamlessly access your earnings. You can use your card to pay for purchases anywhere Mastercard is accepted.
Who is Instacart’s digital banking partner?
Banking services are provided through Lead Bank, Member FDIC. Instacart has partnered with Branch, a financial technology company and program manager for Lead Bank, to provide you secure, fast access to your earnings after every batch. Branch powers the Instacart Shopper Rewards app: a digital business account where you can track your earnings, save with cashback benefits4, and manage your savings goals.
Is Branch a bank?
No. Branch is a financial technology company that provides secure, faster access to earnings through banking services provided by Lead Bank, Member FDIC.
Is the Instacart Shopper Rewards Card a debit or credit card?
The Instacart Shopper Rewards Card is a business account and Mastercard debit card2, so you can do things like make purchases, transfer money to and from external accounts7, and get up to 8 fee-free withdrawals per month at over 55,000 AllPoint ATMs. A $3.50 fee will apply for any withdrawal after the 8th transaction until the next month.
Does the Instacart Shopper Rewards Card require a credit check?
No. There’s no credit check, as this is a debit card and not a credit card. Once the Instacart Shopper Rewards Card is available to all shoppers in the United States, any Instacart shopper in the United States is welcome to apply, and most will be approved within minutes. ID verification is required.
What exclusive benefits do I get with the Instacart Shopper Rewards Card?
Please see a summary of the exclusive card benefits you can get with the Shopper Rewards Card:
To earn cash back on qualifying purchases, select Credit or Bypass PIN. Selecting Debit or entering your PIN number will disqualify your purchase from earning cash back.
You can find the location of over 55,000 Allpoint ATMs in the Shopper Rewards app.
1 Instacart is not responsible for the products and/or services offered by third parties, or for the terms and conditions (including financial terms) under which those products and/or services are offered.
2 Branch is not a bank. Banking services are provided by Lead Bank, Member FDIC. FDIC insurance only applies for eligible accounts should the bank holding your funds fail. The Instacart Shopper Rewards Card, powered by Branch, is a Mastercard business debit card issued by Lead Bank, pursuant to a license from Mastercard and may be used everywhere Mastercard debit cards are accepted.
3 Most payouts take a few minutes, but some may be subject to delays. Instacart may elect to charge a fee for Shopper Rewards Card payouts at any time, subject to notice.
4 Cash back on eligible gas purchases at the pump using the Shopper Rewards Card as payment method. Must select Credit or Bypass PIN to receive cash back for qualifying purchases. Selecting Debit or entering your PIN number will disqualify your purchase from earning cash back. Must pay at pump; in-store transactions may not be eligible. Base Cash back benefit is 3% for gas purchases and EV charging for Diamond Cart shoppers, and 1% for all other shoppers. Total cash back limited to $100 per month. Card benefits are subject to meeting eligibility criteria, which may include your Cart Star status, Instacart shopper account standing, and maintaining a Shopper Rewards account. Card benefits may be subject to change. Instacart or Branch may terminate, suspend or modify the rewards program, in whole or in part, at any time upon notice to you, subject to applicable law. The rewards program is not offered by or affiliated with Lead Bank. It is fully managed by Instacart and Branch.
5 You may have the option to earn additional cash back on eligible gas, hotel and restaurant purchases with your Shopper Rewards Card at merchants who are part of the Branch x Mastercard Easy Savings program. Mastercard Easy Savings may not be available in all locations. For more information, visit Branch’s website.
6 A $3.50 fee will apply per ATM transaction after 8 transactions until the next month.
7 This feature will be available after you've received your first Instacart auto-payout into your Instacart Shopper Rewards account.