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Make the most of your food delivery orders with these 10 credit cards

Nov. 15, 2022
17 min read
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Dining is consistently one of the most popular credit card bonus earning categories, and this category often includes food delivery that’s ordered directly with a restaurant or through a delivery app such as DoorDash or UberEats.

Likewise, some credit card issuers have recently added food delivery benefits such as statement credits, free access to subscription services and delivery discounts.

If ordering in is a strong spending category of yours, here are ten excellent cards that will help you maximize your deliveries with discounts, bonus points earning or both.

Closeup shot of a courier making a delivery to a customer (image by Getty Images / katleho Seisa)
GETTY IMAGES

Best cards for food delivery

 Food delivery benefitAnnual feeWelcome offer
Chase Sapphire ReserveComplimentary DashPass (waived delivery fees).

3 points per dollar on dining.

$550.80,000 bonus points after you spend $4,000 in the first three months from account opening.
Chase Freedom UnlimitedThree free months of DashPass membership if activated before Dec. 31, 2024.$0.Earn an additional 1.5% on all purchases for your first $20,000 spent in the first year.
Chase Freedom FlexThree free months of DashPass membership if activated before Dec. 31, 2024.$0.Earn $200 cash back after you spend $500 on purchases in the first 3 months from account opening.
Capital One Savor Cash Rewards Credit CardUnlimited 10% cash back on Uber and Uber Eats, plus complimentary Uber One membership, through Nov. 14, 2024.$95.Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
Capital One SavorOne  Cash Rewards Credit CardUnlimited 10% cash back on Uber and Uber Eats, plus complimentary Uber One membership, through Nov. 14, 2024.$0.Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
American Express® Gold CardUp to $10 per month on Uber and UberEats purchases (for a total of up to $120 in Uber Cash annually). Card must be added in Uber app to receive Uber Cash benefit.

4 points per dollar at restaurants.

Enrollment required for select benefits.

$250 (see rates and fees).60,000 points after you spend $4,000 in the first six months of card membership.
The Platinum Card® from American Express
Up to $200 in annual Uber Cash, which can be used for Uber Eats in the U.S.

Enrollment required for select benefits.

$695 (see rates and fees).Earn 80,000 bonus points after you spend $6,000 on purchases on the card in the first six months of card membership.
Bank of America® Customized Cash Rewards credit cardUp to 5.25% back on dining, including delivery, on up to $2,500 per quarter.$0.$200 back after you spend $1,000 in the first 90 days of account opening.
Wells Fargo Propel American Express® card (no longer available for new applicants)3 points per dollar (3% back) on dining (eating out and ordering in), including delivery.$0.N/A.
Citi Prestige® Card (no longer available for new applicants)

5 points per dollar on dining, including takeout and delivery.$495.N/A.

The information for the Wells Fargo Propel, Capital One Savor, and Citi Prestige 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.

Restaurant restrictions

Before we get into the details on each card, it’s worth noting that some of these cards offer dining bonuses that are supposed to exclude food delivery services. In practice, however, these services often still code as dining or food merchants and, in fact, earn bonus points.

ALEXANDER SPATARI/GETTY

For instance, Chase defines its dining category this way: “Restaurant category merchants’ primary business is sit-down or eat-in dining, including fast food restaurants and fine dining establishments….Bakeries, caterers, gift card and delivery service merchants will not be included in this category unless the merchant has set up such purchases to be classified in the restaurant category.”

That's why the Chase Sapphire Reserve earns a 3 points per dollar dining bonus on orders from Postmates, Grubhub, Uber Eats and DoorDash. Your results may vary by card and delivery service, so check the terms and conditions to be sure.

If you want to stay on the safe side, you can always order directly through the restaurant’s website or over the phone if offered. Generally, this will bill your credit card directly from the restaurant, ensuring you earn extra points on your food delivery.

Related: The best credit cards for dining out — and ordering in

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The full card details

Chase Sapphire Reserve

ERIC HELGAS/THE POINTS GUY

When Chase raised the annual fee on its popular premium card to $550 in January 2020, it also enhanced its benefits with new DoorDash perks. These new perks make the card one of the strongest credit cards for food delivery from both a benefit and points-earning perspective.

Food delivery benefits: Cardholders can register for their complimentary DashPass membership for up to two years, which normally costs $9.99 per month and includes lower service fees, plus free delivery, on orders of $12 or more.

The card also earns 3 points per dollar on dining, which includes not just restaurants but also food delivery orders from services including DoorDash, and GrubHub.

Sign-up bonus: Earn 80,000 bonus points after you spend $4,000 in the first three months from account opening.

Annual fee: $550.

Other perks: The Chase Sapphire Reserve’s benefits include $300 in annual statement credits toward travel purchases, Priority Pass lounge access and a Global Entry or TSA PreCheck application-fee refund every four years. In addition to dining, it also earns 3 Ultimate Rewards points per dollar on a broad range of travel purchases.

Read our Chase Sapphire Reserve review.

Chase Freedom Unlimited

While not as lucrative as the $550-annual-fee Sapphire Reserve, Chase's Freedom line cards still offer some solid benefits if you're looking for food delivery bonuses.

Food delivery benefits: Cardmembers earn three free months of DashPass membership if activated before Dec. 31, 2024.

Sign-up bonus: Earn an additional 1.5% on all purchases for your first $20,000 spent in the first year.

Annual fee: $0.

Other perks: Trip cancellation and interruption insurance; 5% back on travel purchased through Chase Ultimate Rewards®; 3% back on dining at restaurants, including takeout and eligible delivery services; 3% back on drugstore purchases; 1.5% back on all other purchases.

Read our Chase Freedom Unlimited review.

Chase Freedom Flex

While not as lucrative as the $550-annual-fee Sapphire Reserve, Chase's Freedom line cards still offer some solid benefits if you're looking for food delivery bonuses.

Food delivery benefits: Cardmembers earn three free months of DashPass membership if activated before Dec. 31, 2024.

Sign-up bonus: Earn $200 cash back after you spend $500 on purchases in the first 3 months from account opening.

Annual fee: $0.

Other perks: Trip cancellation and interruption insurance; 5% back on up to $1,500 in combined purchases in bonus categories like gas stations, grocery stores & select online merchants, each quarter you activate; 5% back on travel purchased through Chase Ultimate Rewards®; 3% back on dining at restaurants, including takeout and eligible delivery services; 3% back on drugstore purchases; 1% back on all other purchases.

Read our Chase Freedom Flex review.

Capital One Savor

The Savor and SavorOne have both rolled out some solid Uber and UberEats benefits, to go along with promising bonus categories.

Food delivery benefits: Unlimited 10% cash back on Uber and Uber Eats, plus complimentary Uber One membership, through Nov. 14, 2024.

Sign-up bonus: Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.

Annual fee: $95.

Other perks: Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.

Read our Capital One Savor review.

Capital One SavorOne

The SavorOne is a great option if you want most of the benefits of the Savor without an annual fee.

Food delivery benefits: Unlimited 10% cash back on Uber and Uber Eats, plus complimentary Uber One membership, through Nov. 14, 2024.

Sign-up bonus: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

Annual fee: $0.

Other perks: Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases.

Read our Capital One SavorOne review.

American Express® Gold Card

ISABELLE RAPHAEL/THE POINTS GUY

After expanding its dining category bonus in 2019, this card became one of the best all-around choices for foodies. The card has the highest earning rate for dining in its class and the addition of monthly statement credit for select delivery services helps offset the card’s annual fee.

Food delivery benefits: The Amex Gold earns up to $10 per month on Uber and UberEats purchases (for a total of up to $120 in Uber Cash annually). Card must be added in Uber app to receive Uber Cash benefit.

You'll also earn 4 points per dollar at restaurants, which includes some food delivery service orders. In our experience, the card earns 4 points per dollar on Grubhub and Uber Eats orders, but it will likely earn bonus points on other delivery apps as well. The card also earns 4 points per dollar on up to $25,000 in purchases at U.S. supermarkets, per calendar year (then 1 point per dollar) — in our experience, this also includes grocery delivery services such as FreshDirect and FoodKick.

Gold cardholders will also get up to $120 in annual Uber Cash for Uber Eats and Uber rides in the U.S.

Welcome offer: Earn 60,000 Membership Rewards points after you spend $4,000 on your new card in your first six months of card membership (although you may be eligible for a 75,000-point bonus when you apply using the CardMatch Tool (targeted offer; subject to change at any time).

Annual fee: $250 (see rates and fees).

Other perks: This card earns 4 Membership Rewards points per dollar at restaurants, as well as on up to $25,000 in purchases per calendar year at U.S. supermarkets (then 1 point per dollar). Members earn 3 points per dollar on flights booked directly with airlines or on amextravel.com.

Read our Amex Gold Card review.

The Platinum Card® from American Express

The Platinum is one of the priciest cards out there, and for good reason; it's got some of the best benefits of the game, and its food delivery bonus is no exception.

Food delivery benefits: Up to $200 in annual Uber Cash, which can be used for Uber Eats in the U.S.

Welcome offer: Earn 80,000 bonus points after you spend $6,000 on purchases on the card in the first six months of card membership.

Annual fee: $695 (see rates and fees).

Other perks:

  • Up to $200 in statement credits annually for incidental fees charged by one airline you select.*
  • Up to a $200 annual hotel credit, in the form of a statement credit, on prepaid Amex Fine Hotels + Resorts or The Hotel Collection bookings with Amex Travel when you pay with your Amex Platinum on stays with a two night minimum.*
  • Up to $189 in annual Clear credit to cover your annual membership.*
  • Up to $240 in annual digital entertainment credit, in the form of $20 in monthly statement credits when you pay for eligible purchases with the Amex Platinum at eligible partners.*
  • Up to $300 in annual Equinox credit on select Equinox memberships of Equinox+ app.*
  • Up to a $155 statement credit that covers the cost of a monthly Walmart+ membership when paying with the Amex Platinum. Plus Ups are excluded.
  • Up to a $100 statement credit for Global Entry every four years or an $85 fee credit for TSA PreCheck every 4 1/2 years (depending on which application fee is charged to your card first).
  • Up to a $100 Saks Fifth Avenue credit, split into two $50 statement credits between January and June then July through December.*

Read our Amex Platinum Card review.

Bank of America® Customized Cash Rewards credit card

You can maximize this no annual fee card’s earning if you’re a Preferred Rewards banking customer.

Food delivery benefits: This card earns 3% cash back on your category of choice each billing statement. One of the eligible categories is dining, which includes many food delivery services. However, if you’re a Preferred Rewards member with Bank of America, you can juice your earning by as much as 75% more, which means you could get up to 5.25% cash back on these purchases.

Sign-up bonus: Earn a $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening. New cardholders get 0% introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. Thereafter, 16.99%-26.99% variable APR will apply. A 3% fee (min $10) applies.

Annual fee: $0

Other perks: This card’s other potential 3% categories include gas, online shopping, travel, drugstores and home improvement or furnishings. It earns 2% cash back at grocery stores and wholesale clubs and 1% everywhere else. Just note that you can only earn the 3% and 2% bonuses on the first $2,500 in your combined spending each quarter. Depending on your overall account balances with Bank of America, if you are a Preferred Rewards member, you get 25%-75% more cash back on every purchase. That means up to 5.25% back on the 3% category you choose and up to 3.5% on the 2% category.

Read our Bank of America Customized Cash Rewards Credit Card review.

Wells Fargo Propel American Express® card

ISABELLE RAPHAEL/THE POINTS GUY

You don’t have to pay an annual fee to enjoy bonus earning on dining with this card. The Wells Fargo Propel card has a wide-range of 3-point-per-dollar categories, most of which are suited for people living in cities. For example, some of these bonus categories include public transit, ride share and streaming services.

Food delivery benefits: Earn 3 points per dollar on eating out and ordering in, including most delivery services. The Wells Fargo Propel is one of the few credit cards that specifically includes food delivery on its bonus categories, so you shouldn’t have any issue earning bonus points with any of the major food delivery services.

Sign-up bonus: N/A.

Annual fee: $0.

Other perks: This card makes the cut because, in addition to its food-focused benefits, it also earns 3% back at gas stations, on ride-hailing services and transit, at hotels, homestays, car rentals and popular streaming services, then 1% back on everything else. That low intro APR might also be worth it to some folks who need to carry a balance for a bit or space out a large purchase.

Read our Wells Fargo Propel Amex review.

Citi Prestige card

JOHN GRIBBEN/THE POINTS GUY

Food delivery benefits: The card accrues 5% cash rewards for future orders on wholesale pantry items, snacks and more through Boxed, an online wholesale retailer. Additionally, the Citi Prestige earns 5 points per dollar at restaurants, including most food delivery orders.

Sign-up bonus: N/A.

Annual fee: $495.

Other perks: Although it cut many of its travel and purchase protections, Citi’s top-shelf travel card is still packed with perks. In addition to earning 5 points per dollar on dining, the card earns 5 points per dollar at airlines, 3 points per dollar at hotels and cruise lines and 1 point per dollar everywhere else.

The card offers a fourth night free on up to two hotel bookings per year and will refund you for a Global Entry or TSA PreCheck application once every five years. It also offers Priority Pass Select lounge access and up to $250 in travel credits annually. As part of its new World Elite Mastercard benefits, it confers a $10 Lyft credit for every five rides taken in a calendar month and cellphone protection, among other perks.

Read our Citi Prestige Card review.

Bottom line

YURIY GOLUB/SHUTTERSTOCK

These are some of the best credit cards with bonuses and discounts specifically for dining and food delivery services. Remember, despite some of these cards excluding food delivery from earning bonus points in their terms, many will still earn bonus points on delivery so long as the merchant codes the purchase as dining. These bonus points combined with other benefits like discounts and statement credits will make your food delivery more rewarding than ever.

For rates and fees of the Amex Gold card, please click here.
For rates and fees of the Amex Platinum card, please click here.

Additional reporting by Ryan Wilcox and Madison Blancaflor.

Featured image by GETTY IMAGES
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
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