Credit Cards Chance the Rapper Should Use for His Postmates Obsession

Aug 1, 2019

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

Imagine being a Postmates deliverer and getting a request from the one and only Chance the Rapper, asking you to pick up a few things for him. For some lucky deliverers, that was actually the case. From swim shorts to Big Macs, Chance has ordered it all. To show just how much you can order through the app, the delivery service shared The Receipt of Chance himself and let’s just say he’s a big fan of the service. Over the last five years, the rapper has spent more than $30,000 on Postmates orders, which brings us to the question: Is Chance the Rapper using the right credit card to maximize his points and miles on his Postmates obsession?

That information was not disclosed on the receipt, but we can tell you what cards he should be using and why:

Capital One Venture Rewards Credit Card

(Photo by Isabelle Raphael)
(Photo by Isabelle Raphael)

About The Card:

  • 50,000 bonus miles after spending $3,000 on the card within the first three months from account opening
  • 2x miles per dollar spent
  • Annual fee of $0 intro for the first year, $95 after
  • Earn 10x miles per dollar spent when using the card to to book stays at hotels.com/venture through January 2020

Chance’s Earnings:

If Chance used the Venture card on all $30,000 then he could have earned 60,000 miles just from Postmates during those five years. This card doesn’t offer any Postmates-specific savings, but it does offer the most amount of points, which is probably just fine for the famous rapper. Famous people still use points… right?

Citi Premier Card

About The Card:

  • 60,000 bonus points after spending $4,000 on the card within the first three months of account opening.
  • 1x point per dollar spent
  • $95 annual fee
  • $5 off every order of $25 or more

Chance’s Earnings:

Say Chance spent $25 even every time he ordered. When you divide $30,000 by $25, you end up with 1,200 orders. When you add in the $5 savings offered on each of those orders, you end up saving $6,000. In the end, Chance could have walked away 24,000 points and an extra $6,000 in his pocket over the five years. So instead of $30,000, he wold have only spent $24,000. Chump change, right?

Capital One Savor Cash Rewards Credit Card

(Photo by Eric Helgas/The Points Guy)
(Photo by Eric Helgas/The Points Guy)

About The Card:

  • $300 cash bonus after spending $3,000 on the card within three months from account opening
  • Annual fee of $0 intro for the first year, $95 after
  • 4% cash back on all food and dining purchases (includes Postmates)
  • Free Monthly Postmates Unlimited (valued at $9.99/month) until December 2019: includes free delivery on orders over $15, no blitz pricing or minimum basket fee

Chance’s Earnings:

With 4% cash back on $30,000 Chance would have earned back $1,200 and then he would have saved even more with the free delivery perk that comes with the Free Postmates Unlimited. In the end, he would have probably ended up spending closer to $28,000.

Bottom Line

With such a busy life and career, earning points and miles is probably the last thing on Chance the Rapper’s mind, but does he know that you can donate your points and miles? As a philanthropistand a very generous one at that— this might be another way for him to continue to help out.

However, if you are personally looking for ways to maximize your Postmates addiction you should know that the company does not make it easy to rack up the points through orders, as they no longer code as dining. Instead, they’re coded as a “courier service,” which basically translates to general spending, and in most cases, that type of spending earns the lowest amount of points and cash back.

We love that Postmates delivers more than food, but that coding change is a major bummer. If you’re really looking to maximize your food delivery services, use apps like UberEats, Seamless and GrubHub, since those typically code as dining and use the American Express® Gold Card to earn 4x points per dollar on all orders.

Featured photo by Emma McIntyre/Getty Images

Bank of America® Premium Rewards® Visa® credit card

This card from Bank of America gets really interesting if you have a BofA checking, savings or investment account. Depending on the value of your combined accounts you can potentially get as much as 3.5x points on travel/dining and 2.625x points on other purchases making it the richest consumer banking bonus out there.

Apply Now
More Things to Know
  • Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • No limit to the points you can earn and your points don't expire
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill accounts, or gift cards or purchases at the Bank of America Travel Center
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
Intro APR on Purchases
N/A
Regular APR
17.74% - 24.74% Variable APR on purchases and balance transfers
Annual Fee
$95
Balance Transfer Fee
Either $10 or 3% of the amount of each transaction, whichever is greater.
Recommended Credit
Excellent/Good

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.