Instacart Shopper Rewards

Instacart Shopper Rewards

Discover the new debit card.

686 ratings
111 reviews
#161 in free Finance
💼 Business
💰 Finance
Free

Details

  • Released
  • Updated
  • August 28, 2025
  • October 13, 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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+1

What's New in Instacart Shopper Rewards

2026.10.1

October 13, 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

📈 161+1

Finance

This app rose +1 position in Finance chart.

Last updated on October 16, 2026.

User reviews

Need easier access to funds

It’s great to get paid and have money available so quickly and be able to use funds right away.
What’s not great is that we cannot pull the money out with Cash app or Apple Cash because they don’t accept instavart “branch”.
We have to actually pay a fee inside the instacart account (or wait days) to have it electronically transferred to our bank account or go to ATM and withdraw it. Or go to a store and buy something ands get cash back at the register.
It’s a hassle. I don’t know why it’s not set up the same as Uber when it’s the same “Branch” brand. Also, there’s no borrowing any money feature. Like the Uber “Branch” card has and the Walmart spark one card. Apple Pay and cash app accept those cards.
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Terrible Help

This app/ Service has the worst customer service. I’ve been on hold for hours and made multiple calls over the course of 3 days and still no help, A agent helping hung up and never called back, I have no access to my account and keep getting told the same thing without no solution. No one has calls back from my first call or Saturday.
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Scam

Beware they charge dormancy fees and make it impossible to cancel

I cannot get into the app and verify my account

I uninstalled and reinstalled the app since I am receiving error messages trying to verify my account.

Worst card possible

Why does your app do facial recognition and then also ask me to type in my password? That doesn’t make any sense. Why the hell is it asking me for my password after it just did facial recognition? Makes no sense, extremely Irritating.
It declines random transactions for absolutely no reason. The support team is literally clueless. You guys did a great job of making something meant for convenience, extremely difficult and irritating to use.
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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.