DoorDash Rewards Mastercard review: Doesn’t quite deliver
Editor's Note
DoorDash Rewards Mastercard overview
The DoorDash Rewards Mastercard® is a decent cash-back option for those who love ordering in, earning 4% back on DoorDash and Caviar orders and 3% back on dining when purchased directly from a restaurant. It's in the running for those who prefer to earn cash-back rewards on their dining purchases, but it's not the best option for earning or redeeming rewards. Card rating*: ⭐⭐
*Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
Dining delivery has been around for over a decade, but it didn't become a regular part of many of our lives until 2020. It remains a modern luxury, and as such, Chase launched the DoorDash Rewards Mastercard in March 2023.
TPG recommends that those interested in applying for the DoorDash Rewards Mastercard® — which does not charge an annual fee — have a credit score of around 670.
If you're deciding whether this card might be a good fit for you, here's everything you need to know.
The information for the DoorDash Rewards card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
DoorDash Rewards Mastercard pros and cons
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DoorDash Rewards Mastercard welcome offer
The current, standard welcome offer on the DoorDash card is an interesting one.
With it, you'll receive a free year of DashPass (a $96 value) for you and one authorized user, giving you both benefits like unlimited $0 delivery fees, 5% DoorDash credits back on pickup orders and member-only offers.
If you can maximize the value of your DashPass membership, this offer value is comparable to what we expect from most cash-back cards without an annual fee.
Related: How to choose a cash-back credit card
DoorDash Rewards benefits
As a cardholder, you'll receive perks like trip cancellation insurance, purchase protection and extended warranty protection.
In addition to these benefits, you'll receive World Elite Mastercard benefits such as access to Mastercard World Elite Concierge and a monthly $5 Lyft credit after taking three rides in one calendar month. The Lyft credit ends on Sept. 30.
Related: Best no-annual-fee cash-back credit cards
Earning cash back on the DoorDash Rewards Mastercard
On top of earning bonus rewards on your DoorDash purchases, this card rewards you for all your dining and grocery spending. You'll earn:
- 4% cash back on DoorDash and Caviar orders through the DoorDash platform
- 3% cash back on dining when purchased directly from a restaurant
- 2% cash back on online or in-store grocery purchases
- 1% cash back on all other purchases
While these aren't necessarily bad earning rates, they aren't special. Several of our favorite cash-back and dining cards have earning rates similar to or better than what you'll get with the DoorDash card.
Related: Best credit cards for everyday spending
Redeeming cash back on the DoorDash Rewards Mastercard
Once you've racked up some rewards, you can use them to pay for part or all of a DoorDash or Caviar order.
You can also redeem them for gift cards or opt for the traditional route and get cash back — either as a statement credit or direct deposit into your bank account.
Related: Reasons to keep a cash-back credit card in your wallet
Which cards compete with the DoorDash Rewards Mastercard?
The DoorDash Rewards Mastercard is far from the only card that earns bonus rewards on food purchases. You may want to consider a different card if you spend much of your budget on anything other than DoorDash:
- If you want to earn travel rewards on your dining purchases: The American Express® Gold Card earns 4 points per dollar spent at restaurants worldwide (on up to $50,000 in purchases per calendar year, then 1 point per dollar) and U.S. supermarkets (on up to $25,000 in purchases each year, then 1 point per dollar spent). For more details, check out our full review of the Amex Gold.
- If you want to earn cash back on your dining and entertainment purchases: The Capital One Savor Cash Rewards Credit Card has no annual fee and allows you to earn more on your everyday spending with a wider range of bonus categories. For more details, check out our full review of the Savor Cash Rewards card.
- If you want to earn more cash back on all your purchases: The Chase Freedom Unlimited® (see rates and fees) earns the same as the DoorDash card on dining (3% cash back), plus 1.5% on all other purchases, so you may earn more cash back overall with this card. For more details, check out our full review of the Freedom Unlimited.
For additional options, check out our full list of best cash-back credit cards and best credit cards for dining.
Related: Who should (and shouldn't) get the Amex Gold?
Is the DoorDash Rewards Mastercard worth it?
If you order through DoorDash or Caviar frequently and prefer the simplicity of earning cash-back rewards, you may enjoy having this card. However, its earning structure isn't remarkable. Even if the DoorDash perks appeal to you, remember that some other Chase cards offer a complimentary DashPass membership and earn 3% cash back on DoorDash purchases.
Related: What the Chase and DoorDash partnership means for you
Bottom line
If you order delivery often, you'll appreciate the DoorDash perks and bonus-earning that you'll get with the DoorDash Rewards Mastercard. You may also value redeeming your rewards for future DoorDash orders.
But before you dash to get this card, look at our other favorite dining rewards cards to ensure your rewards are as good as your favorite takeout.
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 5X | New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Pros
- Valuable dining and food-related credits
- Flexible rewards with airline and hotel transfer partners
- Multiple travel and purchase protections
- No foreign transaction fees
- Access to Amex Offers for additional savings (enrollment required)
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.