Make the most of your food delivery orders with these 7 credit cards
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Editor’s note: This article has been updated with new information.
The spread of coronavirus has U.S. residents adjusting to how we live our day-to-day lives, including how we feed ourselves. With many restaurant establishments closed for dining in, businesses are adjusting to serve food for takeout and delivery only.
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But we get it: delivery can be expensive, so you’ll want to find a credit card that helps you earn bonus points when ordering food delivery. Fortunately, dining is one of the most popular bonus earning categories, and this category often includes food delivery that’s ordered directly with a restaurant or through a popular delivery app.
Likewise, a couple of credit cards have added food delivery benefits like statement credits, free access to subscription services and delivery discounts. These can make ordering food more affordable and sustainable during the coronavirus outbreak and beyond.
If ordering in is a strong spending category of yours, here are seven excellent cards (and a few more that have limited-time bonuses) that will help you maximize your deliveries with discounts, bonus points earning or both.
Best cards for food delivery
Limited-time best cards
While the cards listed below offer permanent benefits for food delivery, a select number of cards are also giving limited-time perks related to the ongoing coronavirus pandemic.
Select Chase Marriott cards (including the Marriott Bonvoy Boundless Credit Card) are offering a whopping 10x on dining — including takeout and delivery — from July 15 through Sept. 15, 2020. You must first register your eligible card through this Chase landing page.
Additionally, select Capital One cardholders will get a boost on delivery and pickup orders exclusively through Uber Eats. Capital One® Venture® Rewards Credit Card and Capital One® VentureOne® Rewards Credit Card cardholders will get 5x miles on all Uber Eats purchases from July 15 through Jan 31, 2021.
Also, Capital One® Savor® Cash Rewards Credit Card and Capital One® SavorOne® Cash Rewards Credit Card cardholders will receive 5% cash back on Uber Eats for the same time period. No registration is required.
Related reading: Food delivery promo codes to save you money
Permanent best cards
|Food Delivery Benefit||Annual fee||Sign-up Bonus/Welcome Offer|
|Chase Sapphire Reserve||$60 back in 2020, and $60 in 2021 on DoorDash
Free DashPass (waived delivery fees)
3x per $1 on dining
|$550||50,000 points after you spend $4,000 in the first three months of account opening.|
|American Express® Gold Card|| $10 per month back on Grubhub, Seamless, or Boxed
4x per $1 at restaurants worldwide
|$250 (see rates & fees)||35,000 points after you spend $4,000 in the first three months of account opening.|
|Uber Credit Card||5% back on UberEATS
3% back at restaurants
|$0||$100 Uber Cash after you spend $500 in the first 90 days of account opening.|
|Capital One® Savor® Cash Rewards Credit Card||4% back on dining, including food delivery||$95||$300 back after you spend $3,000 in the first three months of account opening.|
|Bank of America® Cash Rewards credit card||Up 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||3x points (3% back) on dining (eating out and ordering in), including delivery||$0||20,000 bonus points when you spend $1,000 in purchases in the first 3 months of account opening.|
|Citi Prestige® Card||$5 off $25 Postmates orders
5% back on Boxed
|$495||50,000 points after you spend $4,000 in the first three months of account opening.|
The information for the Citi Prestige, Wells Fargo Propel, Bank of America Cash Rewards, Capital One Savor Cash Rewards 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.
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.
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 is why the Chase Sapphire Reserve earns a 3x 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 reading: The best credit cards for dining out — and ordering in
When it raised the annual fee on its popular premium card to $550 in January 2020, Chase 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 who register their Chase Sapphire Reserve with DoorDash and use it to pay for orders are eligible to receive up to $120 in statement credits on deliveries – $60 in 2020 and $60 in 2021. Cardholders can also register for free 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 3x points per dollar on dining, which includes not just restaurants but also food delivery orders from services including DoorDash, GrubHub and Seamless.
Sign-up bonus: Earn 50,000 Ultimate Rewards points after you make $4,000 in eligible purchases within the first three months of 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 3x Ultimate Rewards points per dollar on a broad range of travel purchases. For a limited time through Sept. 30, cardholders will also receive perks like 10x on streaming, 5x on gas and Instacart and more.
Read our Chase Sapphire Reserve Review.
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: Cardholders are now eligible for up to $10 in statement credits each month when they pay with the Amex Gold Card at participating dining partners, including Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, some Shake Shack locations and Boxed. That’s up to $120 in value per year. Better yet, there’s no restriction on using the credit for Grubhub or Seamless either, so you can use the credit for delivery from any restaurant on these apps.
The American Express Gold card earns 4x points per dollar at restaurants worldwide, which includes some food delivery service orders. In our experience, the card earns 4x points on Grubhub, Seamless and Uber Eats orders, but it will likely earn bonus points on other delivery apps as well. The card also earns 4x points on up to $25,000 in purchases at U.S. supermarkets, per calendar year (then 1x) — in our experience, this also includes grocery delivery services like FreshDirect and FoodKick.
Welcome offer: Earn 35,000 Membership Rewards points after you spend $4,000 on your new card in your first three months of card membership.
Annual fee: $250 (see rates and fees)
Other perks: This card earns 4x Membership Rewards points per dollar at restaurants worldwide, as well as on up to $25,000 in purchases per calendar year at U.S. supermarkets (then 1x). Members earn 3x points per dollar on flights booked directly with airlines or on amextravel.com. The card comes with up to $100 in statement credits toward airline incidental fees such as baggage charges and seat assignments on a qualifying airline that cardholders designate each calendar year.
Read our Amex Gold Card Review.
If you’re a frequent user of Uber’s services, this card’s rate of return on Uber Eats spending is hard to beat. Just keep in mind that the card earns Uber Cash instead of points and miles, so you can only use your rewards towards Uber rides, Uber Eats delivery and JUMP bike rentals.
Food delivery benefits: Cardmembers receive 5% back in Uber Cash on Uber Eats orders, Uber rides and JUMP bike rentals.
Sign-up bonus: Earn $100 in Uber Cash after you spend $500 on purchases in the first 90 days.
Annual fee: $0
Other perks: This card is a great option for Uber enthusiasts who want a card that doesn’t charge an annual fee. It racks up 3% back in Uber Cash on restaurants, bars, hotels and airfare, so it’s a solid option for travel purchases. You just have to be willing to redeem your cash for Uber purchases. Among its other standout benefits is mobile phone protection against damage or theft up to $600 per claim, with a $25 deductible and a limit of two claims per 12-month period.
Read our Uber Credit Card Review.
Don’t forget about this cash-back card from Capital One, which offers bonuses on both dining and entertainment. Unlike the Uber Card, though, it earns cash-back that can be redeemed as a statement credit or deposited back into your bank account.
Food delivery benefits: This card earns a solid 4% cash back on dining, which includes most food delivery services. The card also earns 2% cash back at grocery stores which may include some grocery delivery services.
Sign-up bonus: Earn a one-time $300 cash bonus once you spend $3,000 on purchases within three months from account opening.
Annual fee: $95
Other perks: Cardholders earn 4% back on entertainment, including tickets to movies, sporting events, concerts, theater and amusement parks, among other venues. The card earns 2% cash back at grocery stores and 1% on everything else.
You might also be interested in the Capital One® SavorOne® Cash Rewards Credit Card, which earns unlimited 3% back on entertainment and dining but does not have an annual fee.
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: Get a $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening. New cardholders are also eligible for 0% APR on purchases and balance transfers for the first 15 billing cycles (balance transfer must be completed within the first 60 days of account opening). After that, your APR will be 13.99% to 23.99% variable, based on your creditworthiness when you open your account.
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.
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 3x points categories, most of which are suited for people living in cities. For example, some of these bonus categories include public transit, rideshare and streaming services.
Food delivery benefits: Earn 3x 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: Earn 20,000 bonus points when you spend $1,000 in purchases in the first three months – worth $200 in cash-back redemptions.
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.
With this card’s World Elite Mastercard benefits, you’ll want to stick to ordering through Postmates. But regardless of where you order your food, this card will give you the highest points earning on dining.
Food delivery benefits: In 2019, World Mastercard and World Elite Mastercard introduced a few new card benefits including $5 off Postmates orders of $25 or more, which should normally wipe out any delivery fee. It also 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 5x points per dollar at restaurants. Food delivery orders are supposed to be excluded, but they usually still trigger the 5x bonus according to comments on several forums.
Sign-up bonus: Earn 50,000 bonus ThankYou Rewards points after you spend $4,000 within the first three months of account opening.
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 5x on dining, the card earns 5x at airlines, 3x at hotels and cruise lines and 1x 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.
The reason this card made our list was because of its Mastercard Postmates benefit. You might have any number of other World Mastercards or World Elite Mastercards that also bestow such a benefit, such as the Citi Premier℠ Card, the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, or the JetBlue Plus Card. The information for the Citi Premier and Citi AAdvantage Platinum 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.
Read our Citi Prestige Card Review.
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.
Featured photo by Matthew Horwood/Getty Images.
Additional reporting by Chris Dong and Madison Blancaflor.
Welcome to The Points Guy!
WELCOME OFFER: 80,000 Points
TPG'S BONUS VALUATION*: $1,600
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.
- Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
- 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 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, 80,000 points are worth $1,000 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.