Instacart Shopper Rewards

Instacart Shopper Rewards

Discover the new debit card.

545 ratings
91 reviews
#160 in free Finance
💼 Business
💰 Finance
Free

Details

  • Released
  • Updated
  • August 28, 2025
  • August 4, 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

2026.8.0

August 4, 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

📈 160+4

Finance

This app rose +4 positions in Finance chart.

Last updated on August 9, 2026.

User reviews

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

Does what I want!!!

This is a good option for wanting funds quickly!! It has worked out great so far for me. The only thing I do not like is the instant transfer fee is $3.99 and that’s crazy but you can just use the card like a normal debit card and all Is good!!! It helps me buy pokemon cards and board games so I am happy!!!!
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Good

Idk how everyone is having issues but I haven’t had one issue with my card. Use it dang near everywhere I shop. Better than paying that dumb 1.50 to put the money in my regular account. Should do like Uber and give $100 back up credit

The Card (Bank) with a Glitch

I am good with the whole transferring money instantly, following a shop being dropped off. I like separating Instacart earnings from my regular checking account. What I don’t like is that I am NOT able to Zelle nor is there a simpler way to deposit non instacart monies. I don’t like that the cost to transfer money instantly is ridiculous. Otherwise, if I need the money immediately, I turn off the instant transfer feature before I start a batch, and pay $1.50 to instacart for transferring to my personal checking account. 🤔😕🫪
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I truly hate this app

I hate that Instacart even made this a thing. It works when it wants to, there’s so many bugs and half the time you can’t even log in or check the account because of something being wrong with the app like today for the 100th time. It’s the most inconvenient step in instacarting. I can see myself going back to direct deposit into my bank account and skip this step all together. I’ll just have to wait for weekly checks. Smh. Not that the developers will care.
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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.