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
| Pros | Cons |
|---|---|
|
|
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
Rewards
| 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. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
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 $6,000 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.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 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. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
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 $6,000 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.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.