You really have to shop enough for the $99 to be worth it.
While having walmart+, Shipt with target, and amazon prime. I just can't get myself to spend the $100 on instacart. Kinda hard to use all my credits without an active membership. Easiest way is to use someone else's account it seems to utilize the $10/$15 credits.
Wonder how many ppl can share one account with causing any issues?