Best Credit Cards for Food Delivery

Comparing the best credit cards for online food delivery

A closer look at the best credit cards for food delivery

Chase Sapphire Reserve®

Food delivery benefits: Complimentary DashPass membership + 3x points per $1 on dining

Intro APR: N/A

Regular APR: 22.24% – 29.24%

Signup bonus: Earn 60,000 bonus points after spending $4,000 in the first 3 months

Our verdict: Originally designed as a travel credit card, the Sapphire Reserve now has some serious foodie benefits, including a complimentary premium DoorDash DashPass membership and unlimited 3x points for every $1 spent on dining.

Pros:

• High rewards rate
• Lots of redemption offers and travel partners
• Robust travel insurance coverage
• $300 yearly travel credit

Cons:

• $550 annual fee
• Requires excellent credit

Apply now: Chase Sapphire Reserve®

Capital One Savor Cash Rewards Credit Card

Food delivery benefits: Unlimited 10% back on Uber and Uber Eats

Intro APR: 0% for 15 months on purchases and balance transfers

Regular APR: 19.74% – 29.74%

Signup bonus: Earn a $200 bonus after spending $1,000 in the first 3 months

Our verdict: Designed to be your go-to restaurant credit card, the Savor Cash Rewards card from Capital One is a powerhouse. The unlimited earning potential for this card is no joke with an automatic 10% back on all Uber and Uber Eats orders plus unlimited 3% cash back on dining, entertainment, streaming, and grocery store purchases.

Pros:

• No annual fee
• Unlimited 10% back on Uber and Uber Eats orders
• Unlimited 3% back on dining, entertainment, streaming services, and grocery stores
• No rotating categories or sign-up requirements

Cons:

• Requires excellent credit
• The grocery store category excludes Walmart, Target, and other superstores

Apply now: Capital One Savor Cash Rewards Credit Card

DoorDash Rewards Mastercard®

Food delivery benefits: 4% back on DoorDash and Caviar orders, 3% back on dining, and 2% back on grocery store orders, both online and in-person

Intro APR: N/A

Regular APR: 19.99% – 28.74%

Signup bonus: With the NEW DoorDash Rewards Mastercard get a FREE year of DashPass ($96 value) and a $100 limited-time bonus offer.

Our verdict: If you’re a loyal DoorDash user, this card is designed for you. Its generous 4% cash back on DoorDash and Caviar orders let you get money back for every purchase made through DoorDash, not just restaurants. Plus, the additional 3% back on restaurants and 2% back on online or in-person grocery store purchases make this an excellent default card for all your food orders.

Pros:

• No annual fee
• No earning caps
• Great for frequent DoorDash users
• Complimentary first-year membership to DashPass
• Opportunity to get yearly membership to DashPass waived after 1st year if you spend over $10,000 annually on the card

Cons:

• No intro APR
• Requires good to excellent credit

Apply now: DoorDash Rewards Mastercard®

American Express® Gold Card

Food delivery benefits: $120 yearly Uber/UberEats credit, $120 yearly dining credit, 4x Membership Rewards points for every $1 spent at restaurants, takeout, and supermarkets

Intro APR: N/A

Regular APR: Varies

Signup bonus: Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Our verdict: A classic charge card with serious perks, using this card wisely will more than cover the hefty $250 annual fee.

Pros:

• $120 yearly credit for Uber/Uber Eats
• $120 yearly credit for orders made at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations
• 4x Membership Rewards points for restaurants, takeout and delivery, and grocery store purchases
• $100 yearly experience credit for stays booked via The Hotel Collection

Cons:

• $250 annual fee
• Pay Over Time APR varies
• Yearly credits are allocated monthly making it hard to use

Apply now: American Express® Gold Card

Blue Cash Everyday® Card from American Express

Food delivery benefits: $180 yearly credit for Home Chef meal delivery kits

Intro APR: 18.99% – 29.99%

Regular APR: 0% on purchases and balance transfers for 15 months

Signup bonus: Earn a $200 statement credit after spending $2,000 within the first 6 months

Our verdict: If you’re someone who prefers to cook, but doesn’t have enough time to shop, the Blue Cash Everyday Card is an excellent choice. It’s the only card that offers a $180 credit for Home Chef meal kit deliveries and an impressive 3% cash back on purchases made at the grocery store, should you run out of ingredients at the last minute.

Pros:

• No annual fee
• High rewards earning potential
• $7 monthly credit for purchases of $12.99+ on The Disney Bundle
• 3% cash back on supermarkets, online retail purchases, and US gas stations
• $180 yearly credit for Home Chef

Cons:

• Rewards caps on categories
• Requires excellent credit

Apply now: Blue Cash Everyday® Card from American Express

How to pick the right food delivery card?

While many of these cards are sure to help you maximize your everyday spending, it’s important to consider which cards give you the most back without requiring any extra effort.

1. Check the merchant category code – Some credit card issuers will have a liberal definition of what “dining” means, while others get very strict for things like meal kit services or whether that sandwich you had made at a deli in the grocery store counts as takeout, meaning you might earn less back than expected.

2. Check spending caps – Some cards will only offer you a higher earn rate up to a certain amount. If you go over that, you can expect to earn the default (typically 1% or 1x points) so make sure you’re aware of where the limits are.

Methodology

The methodology used to calculate the best cards for fair credit relied on several factors, with the most prominent of those being:

• The required credit score to apply successfully for the card
• The additional benefits offered by the card beyond rewards
• The rewards rate of the card, if applicable
• Overall difficulty in securing a credit card with fair credit
• The history of the card issuer itself
• Any potential costs associated with owning the credit card

The product information provided here is based on research conducted up to a specific date and may have changed. For the latest and most accurate information, we recommend you to visit the respective card’s website before proceeding.