Why This Partnership Matters

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This expanded partnership offers significant value to cardholders who already use or are considering using Instacart for grocery delivery. Here's why these benefits matter:

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1. Potential Annual Savings

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For frequent Instacart users, these benefits can translate to meaningful savings:

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• Co-branded cardholders can save up to $120 annually with the monthly credits

• Ink Business cardholders can save up to $240 annually

• The complimentary Instacart+ membership (valued at $9.99/month) provides additional savings through free delivery on orders over $35

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2. Convenience Factor

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With Instacart operating in 85,000 supermarkets across 14,000 cities in the U.S. and Canada, these benefits make grocery shopping more convenient for busy cardholders who prefer delivery over in-store shopping.

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3. Annual Fee Offset

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For cards that charge annual fees, these new benefits help offset the cost, making the cards more valuable for existing cardholders and more attractive to potential new customers.

Chase's Strategic Partnership Ecosystem: Beyond Instacart

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The expanded Instacart partnership is just one piece of Chase's broader strategy to enhance cardholder benefits through strategic brand partnerships. Here's how the Instacart benefits fit into Chase's larger partnership ecosystem:

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Lyft Partnership (Through September 2027)

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Chase recently extended its popular Lyft partnership, offering valuable rideshare benefits:

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• Chase Sapphire Reserve® cardholders receive a $10 monthly Lyft credit (up to $120 annually) and earn 5x points on Lyft rides through September 2027

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• Chase Sapphire Preferred® Card cardholders earn 5x points on Lyft rides

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• Chase Freedom cardholders earn 2% cash back on Lyft rides through September 2027

• Ink Business cardholders earn 5x points or 5% cash back on Lyft rides

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DoorDash Partnership (Through December 2027)

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Chase's long-standing DoorDash partnership continues to deliver food delivery benefits:

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• Complimentary DashPass memberships for eligible cardholders through December 31, 2027

• Monthly DoorDash credits for select cards

• Chase Sapphire Reserve® cardholders receive up to $5 monthly in DoorDash credit for restaurant orders starting February 1, 2025

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Peloton Partnership (Through December 2027)

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Fitness enthusiasts with Chase cards can benefit from the recently extended Peloton partnership:

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• Chase Sapphire Reserve® cardholders earn 10x total points on Peloton equipment purchases over $150 through December 31, 2027

• Chase Sapphire Preferred® Card cardholders earn 5x total points on qualifying Peloton purchases through December 31, 2027

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Why These Partnerships Matter

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Chase's strategic partnerships create an interconnected ecosystem of benefits that extends the value of its cards beyond traditional rewards. By partnering with popular lifestyle brands in food delivery, transportation, fitness, and now groceries with Instacart, Chase offers cardholders savings on everyday services they already use.

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This approach helps Chase cards remain "top of wallet" by offering relevant benefits aligned with modern consumer spending habits, while providing partner brands with access to Chase's affluent customer base.

How to Maximize These Benefits

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To get the most value from these new Instacart benefits:

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1. Enroll immediately - Don't miss out on any monthly credits by delaying enrollment
2. Set calendar reminders - Monthly credits don't roll over, so use them before they expire
3. Combine with other card benefits - Many eligible cards offer bonus points on grocery purchases, creating a double-dipping opportunity
4. Meet minimum order requirements - Ensure your orders meet the minimum threshold for free delivery with Instacart+

Is This a Good Deal?

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While these additional benefits won't drastically change the value proposition of these cards, they do provide a nice boost for existing cardholders, especially those who already use Instacart.

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For frequent Instacart users, the monthly credits alone can help justify annual fees on premium cards. For business owners with Ink Business cards, the higher $20 monthly credit makes these cards even more attractive for office supply and grocery needs.

How Kudos Can Help You Manage These Benefits

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Managing multiple credit card benefits can quickly become overwhelming, especially when you have several Chase cards with different Instacart perks. This is where Kudos comes in to revolutionize how you track and maximize these benefits.

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Never Miss a Credit Card Perk Again with Kudos Insights

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Kudos Insights functions as your personal financial watchdog, automatically monitoring your cards and alerting you to benefits you might be missing out on. Here's how Kudos can help you specifically with the new Chase and Instacart benefits:

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Perk Tracking and Reminders

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Kudos automatically tracks your credit card perks, including the new Instacart benefits. The platform will:

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• Send you reminders before your monthly Instacart credits expire

• Alert you when your complimentary 3-month Instacart+ membership is about to end

• Notify you of any special Instacart promotions that could stack with your Chase benefits

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Maximize Your Rewards

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According to Kudos data, the average user misses out on $624 in card benefits each year. With the Kudos app, you'll:

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• Receive suggestions on which Chase card to use for specific Instacart purchases to earn the most points

• Get alerts when your Instacart credits are available to use

• See personalized insights about your shopping habits to help you make the most of these new benefits

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Unified Credit Management

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Kudos brings all your credit cards together in one place, allowing you to:

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• View all your Chase cards and their specific Instacart benefits side by side

• Track when you've used your monthly credits across multiple cards

• Monitor your overall spending on Instacart to optimize your rewards

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The best part? Kudos is free to use, making it an essential companion tool for anyone looking to maximize these new Chase and Instacart benefits without the hassle of tracking everything manually.

Bottom Line

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The expanded Chase and Instacart partnership represents a positive development for eligible cardholders. While not game-changing, these benefits offer real value for those who use or are willing to try Instacart's grocery delivery service.

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For cardholders who prefer shopping in-store or who live in areas with limited Instacart coverage, these benefits may not move the needle much. However, for everyone else, they represent another way that Chase is adding value to their credit card portfolio in an increasingly competitive market.

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Using a tool like Kudos to manage these benefits ensures you'll never miss out on the value Chase is offering—helping you save money and maximize rewards with minimal effort.

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Would you like to learn more about maximizing credit card benefits? Check out our other articles on travel perks, shopping portals, and point optimization strategies!