# Instacart Shopper Rewards — Discover the new debit card.

> Instacart Shopper Rewards Card: Business debit card for Instacart shoppers. (iPhone/iPad app by Branch Messenger Inc..)

- Source: https://appshunter.io/ios/app/instacart-shopper-rewards/id6746809137 (this page in markdown: same URL + `.md`)
- Developer: [Branch Messenger Inc.](https://appshunter.io/developer/977844194)
- Category: Finance, Business
- Price: Free
- Rating: 3.90/5 from 587 App Store ratings · 91 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 108 MB
- Languages: American English, Mexican Spanish
- Released: 2025-08-28
- Data updated: 2026-08-26
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/instacart-shopper-rewards/id6746809137/reviews.md

## What is Instacart Shopper Rewards?

The Instacart Shopper Rewards Card is now available!

Powered by Branch, the Shopper Rewards Card¹ is a business debit Mastercard and account² that is designed exclusively for shoppers on the Instacart Shopper platform. The card was created to help shoppers unlock greater savings and support them in reaching their goals. The Shopper Rewards Card can be used anywhere Mastercard debit cards are accepted.

Some of the benefits associated with the card include:

Get free auto-payouts after every batch: Receive auto-payouts of your earnings to your Instacart Shopper Rewards account so that you can get paid quickly after every batch—at no cost to you.³

Get up to 4% cash back on gas as a Diamond Cart shopper: When you pay for gas at the pump with the Shopper Rewards Card, you can get 1-3% cash back at any station.⁴ The higher your Cart Star status, the more cash back you can earn. With additional Mastercard-exclusive gas savings, shoppers can save a total of 2-4% in cash back at select stations.⁵

Get 3% cash back on EV charging as a Diamond Cart shopper: With the Shopper Rewards Card, you can get 1-3% cash back on EV charging based on your Cart Star status.⁴ The higher your Cart Star status, the more cash back you can earn. 

Flexibility at your fingertips: You can add your Shopper Rewards Card to your favorite digital wallet to spend directly from your phone. You can save on ATM withdrawal fees when getting cash at over 55,000 in-network Allpoint ATMs on your first 8 withdrawals each month.⁶

Hassle-free banking options: Your Instacart Shopper Rewards app¹ gives you a business debit card and bank account2 with no minimum balance requirements, credit checks, or monthly fees.

¹ Instacart is not responsible for the products and/or services offered by third parties, or for the terms and conditions (including financial terms) under which those products and/or services are offered.

² Branch is not a bank. Banking services are provided by Lead Bank, Member FDIC. FDIC insurance only applies for eligible accounts should the bank holding your funds fail. The Instacart Shopper Rewards Card, powered by Branch, is a Mastercard business debit card issued by Lead Bank, pursuant to a license from Mastercard and may be used everywhere Mastercard debit cards are accepted.

³ Most payouts take a few minutes, but some may be subject to delays. Instacart may elect to charge a fee for Shopper Rewards Card payouts at any time, subject to notice.

⁴ Cash back on eligible gas purchases at the pump using the Shopper Rewards Card as payment method. Must select Credit or Bypass PIN to receive cash back for qualifying purchases. Selecting Debit or entering your PIN number will disqualify your purchase from earning cash back. Must pay at pump; in-store transactions may not be eligible. Base Cash back benefit is 3% for gas purchases and EV charging for Diamond Cart shoppers, and 1% for all other shoppers. Total cash back limited to $100 per month. Card benefits are subject to meeting eligibility criteria, which may include your Cart Star status, Instacart shopper account standing, and maintaining a Shopper Rewards Card account. Card benefits may be subject to change. Instacart or Branch may terminate, suspend or modify the rewards program, in whole or in part, at any time upon notice to you, subject to applicable law.

⁵ You may have the option to earn additional cash back on eligible gas purchases with your Shopper Rewards Card at merchants who are part of the Branch x Mastercard Easy Savings program. Mastercard Easy Savings may not be available in all locations. For more information, visit Branch’s website.



⁶ Your first 8 ATM transactions per month at ATMs in the Allpoint Network are free. After that, a $3.50 fee will apply to Allpoint ATM transactions until the next month. All withdrawals from ATM’s outside the Allpoint Network will be subject to fees established by the ATM owner.

## Key features

- 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

## Chart rankings

- #168 in Top Free · Finance (US App Store)

## What do users think of Instacart Shopper Rewards?

Overall sentiment: neutral

**Pros**

- 🚀 Quick free instant payouts
- 💡 Decent rewards
- 👍 Clean app

**Cons**

- 🐛 Batch issues (no longer available, taken by others)
- 💰 High fees for transfers
- 🔒 Compatibility issues with Apple Pay

**Commonly reported bugs**

- Unable to receive login code
- Incompatible with older devices

**Most requested features**

- Unlimited free ATM withdrawals
- Allow transfers to/from Apple Pay

## Recent user reviews (10 of 91)

All indexed reviews: https://appshunter.io/ios/app/instacart-shopper-rewards/id6746809137/reviews.md

### 5/5 — It’s optional

*2026-08-05*

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

### 5/5 — Does what I want!!!

*2026-08-05*

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!!!!

### 5/5 — Good

*2026-08-05*

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

### 4/5 — The Card (Bank) with a Glitch

*2026-08-02*

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. 🤔😕🫪

### 1/5 — I truly hate this app

*2026-07-22*

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.

### 2/5 — I can not login!!!

*2026-07-14, version 2026.7.0*

I tried to login and the pop up is  a new device try again after reset phone lol!

### 1/5 — MODERN DAY SLAVERY

*2026-07-10, version 2026.7.0*

It’s mind blowing how much work they want you to do and how far they want you to drive for only PENNIS on the dollar. You only see orders like this -> $12 including tips, shop for 40 items and then drive 28 miles there and back. All for $12 🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣

### 1/5 — Card

*2026-07-09, version 2026.7.0*

Please fix it to a regular debit card that card isn’t accepted nowhere

### 1/5 — Not pleased

*2026-07-09, version 2026.7.0*

This card is a huge inconvenience. Paying to transfer my funds to my debit card where I get gas and buy groceries doesn't take this card. The fees are ridiculous.

### 2/5 — There trust and safety service just ignore you

*2026-07-02*

My kids were playing on my phone after I finished work with Instacart. And I was blocked, I didn’t know about that for a week. While I open app and after ID authorization I saw message about deactivated. There letter all time was at spam and when I try understand what happened they just start ignored my emails. Horrible service and communication.

## Frequently asked questions about Instacart Shopper Rewards

### 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.

## Version history (last 5 releases)

### 2026.8.2 — 2026-08-24

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!

### 2026.8.1 — 2026-08-18

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!

### 2026.8.0 — 2026-08-04

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!

### 2026.7.2 — 2026-07-30

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!

### 2026.7.1 — 2026-07-21

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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All apps by Branch Messenger Inc.: https://appshunter.io/developer/977844194

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*