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Since the pandemic, ordering food from delivery services went from being a once in a while event to a regular way for many to eat. And as food delivery has entered the mainstream, it’s important to know which credit cards offer the best rewards for your food delivery purchases.
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Best credit cards for food delivery
|Credit Card||Best For||Earn Rate||Annual Fee|
Earning travel rewards for food delivery
Best for DoorDash: card_name
Recently, Chase and DoorDash released a card_name that offers outstanding rewards. You earn 4% cash back on orders from both DoorDash and Caviar, and 3% back when making purchases directly from restaurants. You also earn 2% cash back at grocery stores and 1% back on all other purchases.
Card holders also receive a free DashPass for a year, which is a $96 value. This pass is renewed every year that you use your card to spend $10,000 in purchases. There’s a annual_fees annual fee for this card.
Best for Uber Eats: card_name
Capital One has a partnership with Uber that allows card_name holders to earn 10% cash back on purchases from Uber including Uber Eats. You also receive a complimentary Uber One membership through November 14, 2024. Uber One members receive unlimited $0 delivery fees on Uber Eats, as well as 5% off and top rated drivers on Uber. You also get 10% off eligible Uber Eats deliveries and pick up orders.
This card also features 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). There’s a annual_fees annual fee for this card.
Best for GrubHub: card_name
The card_name is one of the best travel rewards cards for food purchases since it includes 4x points at U.S. supermarkets (on up to $25,000 per year in purchases) and at restaurants worldwide. This card also offers a $120 annual dining credit that can be used at GrubHub as well as at other select restaurants. Enrollment required. The credits come in $10 a month increments, and it also offers $10 a month in Uber credits towards rides or Uber Eats.
The points you earn from this card are in the Membership Rewards program, which allows you to transfer your rewards to airline or hotel partners. When you’re able to transfer points to travel partners, and redeem them for valuable award flights or hotel stays, then it’s often possible to realize several cents in value per point redeemed. There’s a annual_fees annual fee for this card (Rates & Fees).
Best for grocery deliveries: card_name
Sometimes, you want to have your groceries delivered so you can prepare your meals yourself. Instacart is one of the leading grocery delivery services, and the Instacart Mastercard offers you 5% cash back on the Instacart app and on instacart.com purchases.
Along with a annual_fees annual fee, new cardholders also bonus_miles_full The Instacart+ membership offers free delivery on orders over $35 as well as reduced service fees.
Best for earning travel rewards for food delivery: card_name
The card_name is one of the most popular premium travel rewards cards, and it offers 3x points on dining, including orders from eligible delivery services. It also comes with a complimentary DashPass subscription for at least one year, so long as it’s activated by Dec. 31, 2024. Another perk is a $5 monthly credit for DoorDash from April 2022 through December 2024.
This card offers Ultimate Rewards points that can be redeemed for 1.5 cents each for travel reservations made through Chase. It’s also possible to transfer your rewards to airline and hotel programs, where it’s possible to receive much more valuable rewards. There’s a annual_fees annual fee for this card, but there’s also a $300 annual credit towards travel purchases.
Best for Uber Credits: card_name
The card_name offers many perks and benefits, but one of the more valuable ones is the $200 in annual Uber credit. This credit, received as $15 per month and $35 in December, can be used for Uber rides and Uber Eats within the U.S.
When it comes to perks, this is just the tip of the iceberg, as the card comes with a $200 annual air travel fee credit, $100 in Saks Fifth Avenue credits and membership with several airport lounge programs. Enrollment required. The points you earn from this card are in the Membership Rewards program, which allows transfers to airline miles and hotel points. There’s a annual_fees annual fee for this card (Rates & Fees).
How to pick the best credit card for food delivery
When choosing the best credit card for food delivery, there are several factors that you’ll want to take into account.
First, consider the value of the benefits received, compared to the annual fee. As with any credit card that charges an annual fee, you’ll want to be sure that you’re receiving enough value from it to justify the expense. Take a look at how much you order and how valuable the discount will be. Also, look at the value of any complimentary subscriptions that come with the card.
Next, examine the card’s new account bonus. Some cards have extremely valuable bonuses, while others don’t. And when there is a valuable bonus offer, you’ll want to make sure that you can comfortably meet the card’s minimum spending requirements, without overspending.
Finally, take a look at the rewards you earn. Make sure these are valuable to you, and that you know how best to redeem them. For example, travel rewards points and miles can be very valuable to some people who know how best to redeem them, but can have much less value to others who can’t decipher these complex programs.
Things to know about credit cards for food delivery
When you use a credit card to order from a food delivery service, you want to understand all of the potential charges and fees.
When you place an order for delivery, you can expect to pay delivery fees. However, some subscription programs for dining delivery services that come with certain credit cards will waive delivery charges for orders above a certain amount. Picking up the order yourself can be a great way to avoid these fees.
On top of delivery fees, there are some dining delivery services that also charge a service fee. You should be aware of the cost of these fees when choosing a service to use.
Inflated food prices
There are some restaurants that simply raise the prices offered to dining delivery service customers over their normal prices. And the only way to tell that this is happening is to compare the restaurant’s menu to the prices seen in the delivery app. If you find restaurants doing this, any discounts you have or rewards you earn could be negated by the increased price you pay.
Do you need a credit card for food delivery?
Those who order from food delivery services regularly can potentially realize some savings by having a credit card that offers rewards and benefits for food delivery. Others might benefit more from general travel rewards cards and cash back cards. If you only order from food delivery services occasionally, it can make just as much sense to use a rewards card that offers you more cash back for the kinds of purchases that you tend to make.
Get the most out of your food delivery experience with the right card
Food delivery services have become part of American life, so it makes sense that the credit card industry has responded by offering cards with benefits specific to these services. The more you look into these options, the easier it will be to find the right credit card for your needs.
For rates and fees of the card_name, please visit this URL.
For rates and fees of the card_name, please visit this URL.
Frequently asked questions (FAQs)
What are the top 3 food delivery apps?
Grubhub, Doordash and UberEats are the top three apps in the U.S.
How can I avoid DoorDash delivery fees?
The DashPass service offers a $0 delivery fee on orders over $12. You can get a free DashPass with the DoorDash credit card from Chase. And as with all food delivery services, you can avoid delivery fees when you choose to pick up the order yourself.
How does Capital One work with Uber Eats?
Capital One has a partnership with Uber that allows Savor and SavorOne cardholders to earn 10% cash back on purchases from Uber including Uber Eats. You also receive a complimentary Uber One membership through November 14, 2024. Uber One members receive unlimited $0 delivery fees on Uber Eats, as well as 5% off and top rated drivers on Uber. You also get 10% off eligible Uber Eats deliveries and pick up orders.
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