Instacart Shopper Rewards

Instacart Shopper Rewards

Discover the new debit card.

625 ratings
95 reviews
#162 in free Finance
💼 Business
💰 Finance
Free

Details

  • Released
  • Updated
  • August 28, 2025
  • September 15, 2026

Features

Instacart Shopper Rewards screenshot #1 for iPhone
Instacart Shopper Rewards screenshot #2 for iPhone
Instacart Shopper Rewards screenshot #3 for iPhone
Instacart Shopper Rewards screenshot #4 for iPhone
Instacart Shopper Rewards screenshot #5 for iPhone
Instacart Shopper Rewards screenshot #6 for iPhone
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About

This app provides a business debit Mastercard and account designed for Instacart shoppers. It offers features like free auto-payouts, cash back on gas and EV charging, and flexible banking options with no minimum balance or monthly fees.

Free auto-payouts after every batch
Up to 4% cash back on gas
3% cash back on EV charging
Add card to digital wallet
No minimum balance or monthly fees
Access to 55,000+ in-network ATMs
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What users say

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+1

What's New in Instacart Shopper Rewards

2026.9.0

September 15, 2026

We’re constantly making improvements and creating new features based on your feedback. If something doesn’t look right, contact our support team through the app and we’ll take care of it ASAP. Here’s the latest round of updates we’re excited to share with you: • Bug fixes and performance improvements. Thanks for using Instacart Shopper Rewards!

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Charts

Top Free

📉 162-4

Finance

This app dropped -4 positions in Finance chart.

Last updated on September 18, 2026.

User reviews

Info

The app is cool and fun and I do appreciate the opportunity to make extra money easily and quickly only thing that drives me absolutely crazy is that when u go into a store you’ve never been to before u do t know your way around u don’t where any of these things are in your list so u look crazy walking from one in of the store to other back an forth. Untill u give up an ask for help by the their doing your shopping for you. lol. Anyways there should be some type of navigation system. Like door dash has the aisle number the item is In, as well as pictures to help u find the items on the shelf’s.
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Perfect way to save money

I love this app, especially because of the save funds feature. You can set a goal and put money in the account and forget about it! Not like your regular banking app where you can easily see the money every day so it’s easier to save

Doesn't work with a lot of things including Walmart

Every time I go to Walmart it gets declined. There's nothing wrong with the card and there's money on it. I always have to use another card from some other bank account at Walmart. This card works at other places just not Walmart. It also doesn't work for making international purchases. Also if you use it for gas it always goes as credit no matter what and you can't stop it. So if there was a debit discount you couldn't do it.
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Extra money

This is great you pick your own hours and it’s great having that spare money comes in real handy when you need it customer service is very nice and fast to help you but the only. Thing that bothers me is they should use Google Maps more accurate and they need to be more pacific on delivery. There’s not enough information on a lot of the customers so it should be updated. It makes it hard and then you get a no next year delivery not on time
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It’s optional

So for the bad reviews it’s a optional thing to use this card and there’s setting in the app where you can just remove it after getting it , but I’ve been using it for a while now and it works perfectly fine

Developer apps

User experience

🐞

Reported Bugs

2 issues

Unable to receive login code

Bug

Incompatible with older devices

Bug

Requested Features

2 requests

Unlimited free ATM withdrawals

Feature

Allow transfers to/from Apple Pay

Feature

FAQ

What is the Instacart Shopper Rewards Card?

The Instacart Shopper Rewards Card is a business debit Mastercard and account powered by Branch, designed exclusively for Instacart shoppers. It aims to help shoppers save money and reach their financial goals by offering benefits like cash back and free payouts.

What are the main benefits of the Shopper Rewards Card?

Key benefits include free auto-payouts of earnings after each batch, up to 4% cash back on gas purchases (with higher rewards for Diamond Cart shoppers), and 3% cash back on EV charging. It also offers flexibility with digital wallet integration and fee-free ATM withdrawals.

Does the Shopper Rewards Card have any fees?

No, the Instacart Shopper Rewards app provides a business debit card and bank account with no minimum balance requirements, credit checks, or monthly fees. However, Instacart may elect to charge a fee for Shopper Rewards Card payouts at any time, subject to notice.

Where can I use the Shopper Rewards Card?

The Shopper Rewards Card is a Mastercard business debit card and can be used anywhere Mastercard debit cards are accepted. You can also add it to your favorite digital wallet to spend directly from your phone.

How does the cash back program work?

Cash back is earned on eligible gas purchases at the pump and EV charging. The percentage of cash back varies based on your Cart Star status, with Diamond Cart shoppers earning higher rates. You must select 'Credit' or 'Bypass PIN' for gas purchases to qualify for cash back.