Use your OTC card to get delivery from your favorite stores

Order OTC-eligible items right to your door, even from stores where you can’t use your card in person. New customers pay no delivery fee on your first 3 orders. Terms apply.

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Get started with your OTC card

Shop stores that accept OTC cards on Instacart

How to pay with OTC Network on Instacart

1. Add your OTC Network card

Go to your Instacart Account Settings to add your card as a payment method.

2. Choose a store and find “OTC Network” items

Eligible items are marked with an “OTC Network” label.

3. Check out with your OTC Network card

At checkout, make sure OTC Network is selected as a payment method.

Frequently asked questions about using OTC Network cards on Instacart

Instacart is a marketplace where you can shop from over 1,400 popular national and regional retailer brands (like Albertsons, ALDI, Costco, CVS, Kroger, Publix, Sam's Club, Sprouts, Wegmans, and more). Through Instacart you can schedule delivery for as fast as an hour, or later in the day or week to fit your schedule. Delivery windows start as early as 9AM and run as late as midnight, depending on that store. You can also choose to pick up your order instead of getting it delivered at select retailers. All orders need to be at least $10 to be eligible for delivery.

You can add an OTC Network card either from account settings, at checkout (in the 'Pay with' section) or by clicking 'Continue' above on this page where you will be prompted to add your card after signing up or logging into Instacart.

Once your OTC Network card is added, you will be able to see an 'OTC Network' label next to all eligible items. At checkout, you will also be able to see how much your OTC Network card will be charged and how much any other forms of payment will be charged for non-eligible items, fees, or tips purchased in the same order.

Using your OTC Network card to pay for fees will depend on your health plan’s eligibility rules. Please contact your health to learn about whether you can use your OTC Network card to cover fees.

Whether or not your OTC Network card works on Instacart will depend on your health plan. Please contact your health to learn about whether purchases made via Instacart are eligible under your plan

Yes, so long as purchases made via Instacart are eligible under your health plan, and the retailer you select sells items that are eligible for under your health plan, you will be able to use your OTC network card at that retailer
Use your OTC Card

Instacart shoppers bring the store to you

Shoppers collect your items, contact you if a replacement is needed, and provide contactless delivery right to your door.

Terms & Conditions

Customer Eligibility and Redemption


OTC funds will be applied to items and fees based on eligibility provided by your plan. Exact eligibility differs by plan. Please contact your plan administrator to confirm item and fee eligibility. OTC funds may not be eligible for use on Instacart with all plans or retailers. The 3 Free Delivery offer is valid to new Instacart users only for the first three orders of $10 or more made through Instacart within 14 days of placing the first order. Expires 14 days after placing the first qualifying order. View more details here.