Pay with Points lets you use points earned with your Instacart Mastercard to pay for all or part of your purchase in the Instacart app or at Instacart.com, excluding restaurant orders. Pay with Points automatically enrolls when you add Instacart Mastercard to your Instacart account. 

Understanding your points 

  • To access Pay with Points, you must select Instacart Mastercard as your payment method at checkout.
  • Each point is worth $0.01 (one cent), meaning 100 points equals $1 in redemption value.
  • There’s no minimum points balance to redeem. For example, if you have 1 point, you can redeem for $0.01 in the Instacart app or at Instacart.com. 
  • If you don’t use points to pay for your entire order, you must use your Instacart Mastercard and/or Instacart credits to cover the remaining balance.
  • Points never expire as long as you’re an Instacart Mastercard holder.

Redeeming points

You can check your points balance at checkout. Make sure you selected Instacart Mastercard as the payment method.

You can also redeem points for cash back on chase.com or travel purchased through the Chase Travel Center. Log in at chase.com/instacart for more details.

How to Pay with Points

  1. Shop in the Instacart app or at Instacart.com, add items to your cart, and go to checkout.
  2. Choose your Instacart Mastercard as your payment method, then select the option to apply points to your total.
  3. Your Instacart Mastercard points will be deducted from your order total and displayed in checkout totals. 

Please note, if you don’t use Instacart Mastercard points to pay for your entire order, the remaining balance must be paid using your Instacart Mastercard or Instacart credits. 

Points can’t pay for—

  • Alcohol
  • Prescriptions
  • Instacart+ memberships
  • Instacart gift cards
  • Orders outside of the U.S.
  • Modifications made after checkout (they charge to your Instacart Mastercard)
  • Restaurant orders on Instacart powered by Uber Eats
  • Fees, taxes, and tips

Please review your Rewards Program Agreement to learn more about your points.

Pay with Points and EBT SNAP

You can use Pay with Points and EBT SNAP on the same order. Your EBT SNAP balance deducts before your points balance. You must pay any remaining balance on your order after using EBT SNAP and points with your Instacart Mastercard.

Problems redeeming points

If you don't see the option to redeem points on Instacart after selecting your Instacart Mastercard as the payment method, try the following—

  1. Update your app to the latest version, or log in at Instacart.com.
  2. Select Instacart Mastercard as the payment method at checkout.

If you don’t see the option to redeem points on Instacart, please try the following steps:

  1. Remove your Instacart Mastercard as a payment method from your Instacart account
  2. Delete the Instacart app, then redownload the latest version available on App Store or Google Play Store
  3. Add your Instacart Mastercard as a payment method to your Instacart account and go to checkout to try again.

Returns and cancellations

Points will not be refunded for valid returns or cancellations of any kind. Points are returned as Instacart credit, redeemable only in the Instacart app or at Instacart.com.