United Business Card

United Business Card Supermarkets

$150/yr annual fee. One supermarkets benefit, with what each is worth and the limits that apply.

Annual fee
$150/yr
Estimated value
$1/yr
Benefit
1

Up to $120 in Instacart credits

$10/mo

Enrollment is required through a specific activation link, and the complimentary period lasts only three months. If you do not cancel before it ends, the membership converts to a paid annual plan at the then current rate and auto bills to a card on file. Existing paid memberships are paused during the free period, then resume and renew unless canceled. Only one membership applies per eligible account, and activation must occur within the stated date window to qualify.

Pro Tips

  1. 1This is a great way to see if you’ll use Instacart+ to make it worth the price once the free membership runs out.
  2. 2You’ll get $0 Delivery fees on eligible orders that meet the spend requirement.
  3. 3Receive reduced service fees on certain orders.
  4. 4And take advantage of the extra perks like Peacock Premium and New York Times Cooking.
  5. 5If you order twice/month, the membership will pay for itself.

Value Analysis

Face Value
$120
Estimated Value
$1

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.