Instacart Shopper Rewards
by Branch Messenger
Google Play
FINANCE
Free
0.0
Rating
0
Reviews
100+
Downloads
4
Views
Description
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.
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.
Expert Review & Analysis
1. What the App Does: The Instacart Shopper Rewards app provides Instacart shoppers with a business debit Mastercard and associated account, facilitating faster payouts and offering cashback rewards. Its primary function is to streamline payment and offer financial incentives specifically designed for Instacart shoppers. The app manages the card account, allowing users to view balances, track transactions, and access customer support related to the card.
2. Key Features: The app's key features center around financial benefits for Instacart shoppers. These include:
* Fast Payouts: The most significant advantage is the ability to receive automatic payouts after each batch, eliminating delays. While not explicitly stated as instant, the claim of "a few minutes" suggests a considerable improvement over traditional payment methods.
* Cashback Rewards: The app offers cashback on gas purchases (up to 4% depending on shopper status) and EV charging (up to 3%), providing substantial savings on common expenses. The tiered cashback system based on Instacart's "Cart Star" status incentivizes performance.
* Fee-Free Banking: The associated account boasts no minimum balance, credit checks, or monthly fees, making it accessible to a wider range of shoppers.
* ATM Access: Free ATM withdrawals (up to 8 per month) at Allpoint ATMs add convenience and cost savings.
* Digital Wallet Integration: The ability to add the card to digital wallets like Apple Pay or Google Pay enhances usability and convenience.
3. Use Cases: The app is most useful for Instacart shoppers who:
* Desire faster payments: The rapid payout feature is a major selling point for those needing quick access to their earnings.
* Frequently purchase gas or EV charging: The cashback rewards offer significant savings on these regular expenses, potentially offsetting some of the costs associated with being an Instacart shopper.
* Seek a convenient and fee-free banking solution: The no-frills banking aspect is attractive for those seeking a straightforward and low-cost account.
* Value added convenience features: The ease of digital wallet integration and access to a widespread ATM network adds value for many users.
4. Target Audience: The app is explicitly designed for Instacart shoppers. Its features are directly tailored to address the financial needs and challenges faced by this specific group. The tiered cashback system also incentivizes higher-performing shoppers, creating a loyalty-driven system.
5. Overall Assessment: While the Instacart Shopper Rewards app offers several attractive features, including potentially significant cashback and fast payouts, the 0/5 rating suggests significant underlying issues. The fine print reveals potential downsides: the possibility of future fees for payouts, limitations on cashback amounts, and eligibility requirements tied to Instacart's internal status system. The app's success hinges on the reliability of the fast payout system and the transparency of its terms and conditions. Without addressing the reasons behind the low rating and improving the user experience, the app’s potential remains largely unrealized. More user reviews and detailed information on the reported issues are needed to provide a more complete and accurate assessment.
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