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.
- Annual fee
- $0 $120No annual fee the first year
- No annual fee the first year
- Our valuation
- $589Milesopedia 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.
- Milesopedia first-year estimateFirst-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.
- Welcome offer
- Up to 70,000 points
- + First Year Annual Fee Rebate
on BMO's website
Cards Eligible for this BMO and Instacart Partnership
The following credit cards are eligible for the promotion:
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $0 | |||
| $0 | |||
| $0 | |||
| $0 | |||
| $599 |
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.
- Annual fee
- $0 $120No annual fee the first year
- No annual fee the first year
- Our valuation
- $589Milesopedia 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.
- Milesopedia first-year estimateFirst-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.
- Welcome offer
- Up to 70,000 points
- + First Year Annual Fee Rebate
on BMO's website
Frequently Asked Questions
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.
Our featured card
- Annual fee
- $0 $150No annual fee the first year
- No annual fee the first year
- Our valuation
- $921Milesopedia first-year estimate First-year valueWelcome bonus$771Annual fee rebated$150Total$921Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateFirst-year valueWelcome bonus$771Annual fee rebated$150Total$921Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 115,000 points
- + First Year Annual Fee Rebate
on BMO's website
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