Make the most of your food delivery orders with these 7 credit cards
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Takeout and delivery have seen a surge in 2020 as the coronavirus pandemic shifted many of our eating habits.
Fortunately, dining is 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 added food delivery benefits such as statement credits, free access to subscription services and delivery discounts. These can make ordering food more affordable and sustainable during the pandemic and beyond.
If ordering in is a strong spending category of yours, here are seven excellent cards (and a few more with 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 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 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.
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
Complimentary DashPass (waived delivery fees)
3x per $1 on dining
|$550||50,000 bonus points after you spend $4,000 in the first three months from account opening.|
|American Express® Gold Card||Up to $10 per month back on Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations.
Up to $10 per month on Uber and UberEats purchases (starts in 2021) (for a total of up to $120 in Uber Cash annually). Card must be added in Uber app to receive Uber Cash benefit.
4x per $1 at restaurants
Enrollment required for select benefits.
|$250 (see rates & 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 & fees)||Earn 100,000 bonus points after you spend $6,000 on purchases on the card in the first six months of card membership.|
|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® Customized 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 (no longer available for new applicants)||3x points (3% back) on dining (eating out and ordering in), including delivery||$0||N/A|
|Citi Prestige® Card||5x on dining, including takeout and delivery||$495||Earn 50,000 Bonus Points after spending $4,000 within 3 months of account opening.|
The information for the Wells Fargo Propel and Capital One Savor, 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.
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.
The full card details
Chase Sapphire Reserve
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 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 3x 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 50,000 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 3x Ultimate Rewards points per dollar on a broad range of travel purchases. You can also use the $300 annual travel credit on purchases at grocery stores and gas stations through the end of 2021.
Through Dec. 31, 2021, Sapphire cardholders will get up to $120 in statement credits to cover monthly Peloton Digital ($13) and All-Access ($39) memberships.
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, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. That’s up to $120 in value per calendar year. Better yet, there’s no restriction on using the credit for Grubhub, 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, which includes some food delivery service orders. In our experience, the card earns 4x points on Grubhub, 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 such as FreshDirect and FoodKick.
Starting in 2021, Gold cardholders will also get up to $120 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 4x 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 1x). Members earn 3x points per dollar on flights booked directly with airlines or on amextravel.com.
Read our Amex Gold Card Review.
Capital One® Savor® Cash Rewards Credit Card
Don’t forget about this cash-back card from Capital One, which offers bonuses on both dining and entertainment. 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% cashback on dining, which includes most food delivery services. The card also earns 2% cashback 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% cashback 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% cashback 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% cashback 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 will have a 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24%-26.24% variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
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% cashback 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 cashback 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: 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.
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 5x points per dollar at restaurants, including most food delivery orders.
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.
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.
Featured photo by Andrew Harrer/Bloomberg via Getty Images
Additional reporting by Madison Blancaflor
Updated on 7/6/22.
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