BMO and Instacart: New Partnership for Exclusive Savings

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.

Compare

BMO eclipse Visa Infinite* Card

BMO BMO Rewards First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $589
Welcome offerAfter $12,000 in 12 months: Up to 70,000 points

The BMO eclipse Visa Infinite* Card is one of the best Visa Infinite rewards credit cards in Canada. Its welcome offer lets you earn up to 70,000 BMO Rewards points, for a total value of up to $1,150*.

It also includes a monthly statement credit for streaming services, an annual $50 lifestyle credit, and no annual fee for the first year (a $120 value)*.

With the BMO eclipse Visa Infinite* Card, you also get:

5x BMO Rewards points for every dollar spent on groceries, meal delivery or takeout, rideshare, public transit, and gas*
1 BMO Rewards point for every dollar spent on all other purchases*
10% more points when you add an authorized user to your account*
Mobile device insurance offering coverage up to $1,000*
The Pay with Points feature, which allows you to redeem your points on recent purchases starting at $1*
Six months of Instacart+ membership plus a monthly $10 Instacart credit with an eligible card*

Legal

*Terms and conditions apply

BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.

Annual fee

Primary card$120

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

5xTransit
5xGas
5xRestaurants
5xGroceries
1xAll spending

Value

1st Year Value$1,128

2nd Year Value$365

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 21 days

Travel medical (55-64)Up to $5,000,000 / 21 days

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

Cards Eligible for this BMO and Instacart Partnership

The following credit cards are eligible for the promotion:

Our credit card selection
Credit card	Annual fee	Welcome offer
BMO CashBack^® World Elite^®* Mastercard^®* Apply NowCompare	Annual feeFirst Year Annual Fee Rebate$139 $0First Year Annual Fee Rebate	Welcome offerGet 40 points after $2,000 in purchases per month for 12 months Up to $480 cash back Get 40 points after $2,000 in purchases per month for 12 months	Apply NowCompare
BMO VIPorter World Elite^®* Mastercard^®* Apply NowCompare	Annual feeFirst Year Annual Fee Rebate$199 $0First Year Annual Fee Rebate	Welcome offer+ one round-trip companion passTo earn all Bonus Points: cumulative purchases of $5,000 within 110 days, $9,000 within 180 days and $18,000 within 365 days of account opening. Up to 70,000 pointsEnds Oct 31, 2026 + one round-trip companion passTo earn all Bonus Points: cumulative purchases of $5,000 within 110 days, $9,000 within 180 days and $18,000 within 365 days of account opening.	Apply NowCompare
BMO^® Ascend World Elite^®* Business Mastercard^®* Apply NowCompare	Annual feeFirst Year Annual Fee Rebate$175 $0First Year Annual Fee Rebate	Welcome offerAfter $30,000 in 12 months Up to 150,000 points After $30,000 in 12 months	Apply NowCompare
ExclusiveBMO Ascend^™ World Elite^®* Mastercard^®* Apply NowCompare	Annual feeFirst Year Annual Fee Rebate$150 $0First Year Annual Fee Rebate	Welcome offerAfter $20,000 in 12 months Up to 115,000 pointsEnds Dec 7, 2026 After $20,000 in 12 months	Apply NowCompare
BMO eclipse Visa Infinite* Card Apply NowCompare	Annual feeFirst Year Annual Fee Rebate$120 $0First Year Annual Fee Rebate	Welcome offerAfter $12,000 in 12 months Up to 70,000 points After $12,000 in 12 months	Apply NowCompare
BMO eclipse Visa Infinite Privilege* Card Apply NowCompare	Annual fee$599	Welcome offerRequired cumulative net purchases: $6,000 within 110 days, $30,000 within 180 days and $75,000 within 12 months of account opening. Up to 200,000 pointsEnds Oct 31, 2026 Required cumulative net purchases: $6,000 within 110 days, $30,000 within 180 days and $75,000 within 12 months of account opening.	Apply NowCompare

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

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.