Instacart Shopper Rewards

Instacart Shopper Rewards

Discover the new debit card.

725 ratings
118 reviews
#129 in free Finance
💼 Business
💰 Finance
Free

Details

Released
August 28, 2025
Updated
October 27, 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 about Instacart Shopper Rewards

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What's New in Instacart Shopper Rewards

2026.10.2

October 27, 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

📈 129+3

Finance

This app rose +3 positions in Finance chart.

Last updated on November 5, 2026.

User reviews

This app is bad drop the 3.99 fee

3.99 to transfer your money to a bank is absolutely ridiculous!!!!! I can’t even use the own card from this app because I can’t get it activated without using a QR code or having to call. Terrible terrible app. Yall are thiefs

Worst card possible

This card MIGHT seem worth it but it is not!!!! I made a transfer out of the account and the transfer cost $8…… Never in my life have I paid $8 to move MY MONEY. It’s WAY cheaper to just transfer to your own bank account and pay the $1.50 fee. I could do 7 transfers with the Instacart app with the 1.50 fee before it adds up to $8.
I ordered a new card two on the ago and the card is still being charged for online purchases. The lady told me they wouldn’t go through because they’re attached to an old card number. Not even a day later the transaction went through. Customer service is very clueless. Never know what they’re talking about, similar to actual Instacart.
BUT while it’s ready and willing to charge a transaction I don’t want, it declines normal purchases for no reason. I tried to buy a smoothie and it declined 4 times before I switched to a different card and all the reasoning it gave me was “ transaction declined “. For some reason they thought it be a good idea to process these cards as master cards, technically credit cards, so I can’t even use it to make a bill payment.
DO NOT GET THIS CARD IT IS NOT WORTH IF!!!!!!! AND THE PURPOSELY MAKE IT HARD TO CANCEL!!
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The buyout

If I were DD I would pass on the purchase of Instacart.

Review

Love this app and it’s my favorite app ever

App suck d

Been on the app 3 hours and only made 10 dollars

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.