BMO and Instacart: New Partnership for Exclusive Savings

Updated Nov 18, 2025
instacart bmo
To the point BMO partners with Instacart to offer up to $120 in annual savings to premium cardholders, including 6 free months of Instacart+.

BMO has just announced a partnership with Instacart to offer up to $120 in annual savings to eligible BMO credit cardholders, with 6 free months of Instacart+ membership for World, World Elite, Visa Infinite, and Visa Infinite Privilege cards.

This new partnership is effective immediately and is valid until October 31, 2027.

Instacart is an intermediary platform that allows you to order your favourite groceries with same-day delivery.

This convenience comes at a cost: item prices are 10 to 15% higher, plus various service and delivery fees. However, with these savings opportunities and a free membership from BMO, this offer could be appealing.

This service is more advantageous for consumers without a car or people looking to optimize their time.

If you don’t yet have a BMO credit card and this Instacart offer interests you, take the opportunity to subscribe to the BMO eclipse Visa Infinite* Card, which currently has a very attractive welcome bonus. You’ll earn a ton of additional BMO Rewards points and get the Instacart offer at the same time.

Cards Eligible for this BMO and Instacart Partnership

The following credit cards are eligible for the promotion:

Holders of a BMO Mastercard World or World Elite credit card or a Visa Infinite or Visa Infinite Privilege card will benefit from:

  • A free Instacart+ membership for six months and a monthly $10 coupon to use on their grocery purchases of at least $50 made on Instacart, for an annual value of up to $120
  • A discount for a one-year Instacart+ membership for $79, which is a $20 discount, then $99 per year thereafter

All other BMO credit cardholders will receive:

  • A free Instacart+ membership for three months and a monthly $5 coupon to use on grocery purchases of at least $50 made on Instacart, for an annual value of up to $60
  • A discount for a one-year Instacart+ membership for $79, which is a $20 discount, then $99 per year thereafter

How to Sign up for BMO and Instacart Benefits?

Registration is simple and straightforward. Eligible BMO cardholders can access their exclusive benefits by visiting the Instacart and BMO website.

It’s important to note that you must have an active and eligible BMO credit card to take advantage of this partnership. An Instacart+ membership is required to take advantage of the monthly discount coupons.

What is Instacart+ Membership and What are its Benefits?

Instacart+ is Instacart’s premium membership program that offers several exclusive benefits to members. Normally charged $99 per year in Canada, it includes:

  • Unlimited free deliveries on orders of $35 or more at Costco and at least $10 on other orders
  • Exclusive offers and promotions for members
  • Additional savings at partner retailers

How Many Stores Can You Shop at with Instacart in Canada?

Instacart has partnered with over 1,800 national, regional, and local banners across North America, offering access to nearly 100,000 stores. In Canada, you can shop at popular retailers such as:

  • Loblaws and its banners (Maxi, Real Canadian Superstore, Provigo, No Frills, etc.)
  • Metro, Metro Plus, and Super C
  • Sobeys and its affiliates (IGA, Foodland, etc.)
  • Costco (in select regions)
  • Pharmacies (Shoppers Drug Mart, Jean Coutu)
  • Local and regional specialty retailers (Dollarama, Sephora, Walmart, Linen Chest, LUSH, Michaels, Giant Tiger, etc.)

BMO and Instacart Partnership

The partnership between BMO and Instacart is valid until October 31, 2027. Nevertheless, I recommend signing up quickly to start enjoying the benefits now, especially since the free months of Instacart+ begin upon account activation.

If you don’t have a BMO card, take the opportunity to subscribe to the BMO eclipse Visa Infinite* Card, which has an excellent welcome offer right now.

Frequently Asked Questions

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Caroline Tremblay
Caroline Tremblay
Caroline, a loyalty program specialist, helps families maximize their points to travel more frequently and affordably. With expertise in Disney, AIR MILES, and Costco, she travels the world with her partner and two children through rewards. Passionate about the latest in loyalty programs, Caroline shares tips to help you earn more points and turn your travel dreams into reality.
All posts by Caroline Tremblay

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