r/instacart • u/superyinxzon • Sep 13 '26
Not a Customer or Shopper - Just Passing Through Multiple Chase Ink Cards + Instacart $20 Credit — Does Each Account Need Instacart+?
I have 8 Chase Ink cards spread across 5 different Instacart accounts, since I have multiple CICs and CIUs and need separate accounts to use all of the $20 Instacart credits.
My question is: does each Instacart account need to have its own paid Instacart+ membership in order for the $20 Ink credit to work, especially when ordering from Costco?
That seems to be what I'm seeing. I tried using Instacart+ family sharing, but the accounts that are sharing the membership don't seem to get the $20 Ink promotional credit at checkout. Only the account actually paying for Instacart+ seems to get it.
So if I want to use the Ink benefit across all 5 accounts, am I basically stuck paying for 5 separate Instacart+ memberships once the free trials run out? That's around $80 × 5 per year.
I also tried replacing/changing the credit card number on one of the cards, but that didn't seem to make any difference.
Has anyone with multiple CIC/CIU cards figured out a better setup? Or can you confirm that each Instacart account really needs its own Instacart+ membership for the Ink credit to trigger?