Which BMO cards are eligible for the Instacart partnership?

All Canadian BMO credit cards are eligible. Premium cards (Mastercard World/World Elite and Visa Infinite/Infinite Privilege) receive 6 free months of Instacart+ and a $10 monthly coupon. Other BMO cards get 3 free months and a $5 monthly coupon.

How to activate my BMO and Instacart benefits in 2025?

Go to www.bmo.com/InstacartAdvantage with your eligible BMO card. Registration is entirely online, and your benefits are activated immediately after validation. You will then receive your promotional codes by email.

How much does Instacart+ cost after the free period with BMO?

After your free period (3 or 6 months depending on your card), you pay $79 for the first full year (a $20 saving on the regular price), then $99 per year thereafter. These preferential rates apply until October 2027.

Do the monthly BMO and Instacart coupons have an expiration date?

Yes, the monthly $5 or $10 coupons expire at the end of each month. They cannot be accumulated and must be used on purchases of at least $50. An active Instacart+ membership is required to receive these coupons.

In which Canadian cities is Instacart available with BMO?

Instacart is available in most major Canadian cities including Toronto, Montreal, Vancouver, Calgary, Edmonton, Ottawa, Winnipeg, and their suburbs. Availability varies by local retailers. Check the Instacart app with your postal code.

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.

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