Best credit cards for meal-prep-kit services

Mar 26, 2020

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Some nights the last thing you want to do is turn on your stove and do meal prep. Whether you’re a novice in the kitchen or simply lack time and energy to cook each night, a meal kit is a sure-fire way to prepare home-cooked meals.

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Numerous meal-prep-kit delivery services compete for the business of busy consumers. The kits deliver easy-to-follow recipes, pre-measured ingredients and fresh produce and meats to your door.

Many meal-prep-kit services now partner with major grocery store brands, so you can purchase the kits in stores and earn rewards with a card earning bonus points on groceries. Likewise, certain credit cards earn bonus rewards from online purchases, helping consumers maximize credit card spend.

Related reading: 5 Amex Offers to save money and make your life easier right now

Here’s a deep dive into which credit cards are best and the major brands in the meal-prep-kit business.

In This Post

Home Chef

Home Chef offers a wide variety of meal solutions, including traditional meal kits and oven-ready lunches and dinners. Meals include grain bowls, salads, sandwiches and tacos with fully cooked proteins that can be prepared easily at home or at the office.

(Photo courtesy of Home Chef)
(Photo courtesy of Home Chef)

Lunch kits are priced from $7.99 and dinner kits start at $9.95 per serving. In fall 2018, Home Chef partnered with Kroger Co. to offer its ready-to-cook meals in more than 900 stores nationally.

Consumers can earn 6% cash back by using the Blue Cash Preferred® Card from American Express to purchase Home Chef kits at Kroger stores or they can opt to earn valuable transferrable points with The Amex EveryDay® Preferred Credit Card from American Express or the American Express® Gold Card, at 3x and 4x Membership Rewards per $1 spent, respectively.

The information for the The Amex EveryDay Preferred Credit 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.

Sun Basket

Sun Basket offers meals for numerous diets, from vegetarian and gluten-free to pescatarian and paleo. They are also customizable each week. Sun Basket says 99% of their produce is organic and their meals use only hormone-free and antibiotic-free meats and seafood.

(Photo courtesy of Sun Basket)
(Photo courtesy of Sun Basket)

Prices are in the mid-upper tier of home-prep-kit brands — ranging from $11 to $13 per serving for two or four people. Customers can skip a week on their subscription or cancel at anytime.

Although the service has no physical presence at grocery stores, you can still earn 2x miles per dollar by ordering Sun Basket via its app or online using the Capital One® Venture® Rewards Credit Card. The information for the Venture 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.          

Related Reading: Don’t leave money on the table: Check your credit card offers and discounts now

Amazon Fresh

Most of us order everything from dental floss to refrigerators on Amazon, so of course the e-commerce titan would enter the meal-prep-kit arena.

(Photo by Monika Skolimowska/picture alliance/ Getty Images)
(Photo by Monika Skolimowska/picture alliance/ Getty Images)

The catch? They’re only available to Amazon Prime and Amazon Fresh members who live in areas with Amazon Fresh grocery delivery or select Whole Foods stores. If you’re in such an area, some credit cards offer bonus points for spend on or Whole Foods.

If your goal is to earn straight cash back, the Amazon Prime Rewards Visa Signature Card is a solid option since it offers an impressive 5% cash back on all Amazon and Whole Foods purchases. The Discover it Cash Back card also offers 5% cash back on Amazon purchases when they’re in a quarterly bonus category — in 2020 it’s a bonus category in the fourth quarter (on the first $1,500 in purchases each quarter you activate; then 1%).

In addition, the Bank of America® Cash Rewards credit card allows you to choose your own bonus category with online shopping as one of the options. Purchases on (including Amazon Fresh) earn 3x cash back if that’s your bonus category.

All the cards mentioned for Amazon Fresh have no annual fees.

Related Reading: The best no-annual-fee credit cards


The German startup HelloFresh is now the largest meal-kit provider in the United States. Its kits are sold in supermarkets such as H-E-B and Giant Food, which allows you to use a grocery rewards card.

(Photo by Daniel Acker/Bloomberg/Getty Images)
(Photo by Daniel Acker/Bloomberg/Getty Images)

The company also has a fantastic app and website for online delivery. Measured ingredients arrive on your doorstep. You can cancel via the app or online but give them a minimum of five-day notice prior to your next shipment.

You can use a cash-back card such as the Blue Cash Preferred® Card from American Express that earns 6x cash back U.S. supermarkets on up to $6,000 per year in purchases then 1% thereafter, (if you live near a Giant Food store) or the Bank of America Cash Rewards® credit card that lets you select online shopping as a 3x bonus category. Or, the Target RedCard® provides 5% discount on every eligible Target purchase, including HelloFresh gift cards sold in store and online.

Related Reading: The best store credit cards

Blue Apron

Launched in 2012, Blue Apron pioneered the meal-prep-kit delivery service industry in the United States. Their kits are designed for newbies or cooks who just want straightforward recipes.

(Photo by Scott Eisen/Getty Images)
(Photo by Scott Eisen/Getty Images)

Blue Apron appeals to the most harried consumers with 20-minute meals — as compared to its competitors whose meals can be prepped and cooked in 30 minutes. Subscribers on a two-person plan can choose to switch to four-serving meals for a week at any time without altering their subscription — a convenient option if you’re having guests.

Blue Apron doesn’t have an in-store operation, so your best bet is to use a card that offers bonus points for online purchases or a fixed-earning card that earns 2x points per dollar spent, such as the Capital One® Venture® Card, or a 2% cash-back card (1% when you buy and 1% as you pay) like the Citi® Double Cash Card.

Use online shopping portals to save more

To save even more on your home-delivered meal kits, check online shopping portals to earn cash back or airline miles prior to placing your custom-meal order. The Points Guy’s credit cards editor, Benét Wilson, earns 550 Southwest Airlines Rapid Rewards points each week from her HelloFresh orders.

Use Cashback Monitor to check best portal rates.
Use the Cashback Monitor to check best portal rates.

With so many online shopping portals these days, it’s easy to become confused in finding the best one to use. Thankfully, the online aggregator CashBack Monitor displays the cash back, points and miles reward rates for various online portals, as well as airline and credit card issuer portals.

Bottom line

Meal-prep-kit delivery services are convenient for people with busy lives, but they can also be qexpensive — especially if you are ordering weekly. With the right rewards card and an online shopping portal, you can save a considerable amount of cash or rack up tons of points and miles on your next order.

For rates and fees of the Amex Gold card, please click here.
For rates and fees of the Blue Cash Preferred card, please click here.

Featured photo by Counter/Getty Images.

Chase Sapphire Preferred® Card

WELCOME OFFER: 60,000 Points


CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
Intro APR on Purchases
Regular APR
15.99%-22.99% Variable
Annual Fee
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit

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

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.