Edited by: Keri Stooksbury
& Kellie Jez
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It’s a stark sign of recent times that ordering carryout has become as popular as dining out. And if you live in a metropolitan area, it’s likely you’re using food delivery services more than ever.
Who doesn’t enjoy the convenience of spending a few minutes on your phone placing a food order and then having your meal magically arrive at your doorstep? Hotel Tech Report, a leader in providing stats to the hospitality industry, tells us that 47% of American households have used a food delivery app.¹ Bloomberg Second Measure adds that the average DoorDash customer spends over $300 a quarter.²
If you’re one of many consumers finding yourself using food delivery services with greater frequency, you’re sure to find value in our article today.
We’re going to talk about how some popular reward-earning credit cards have teamed up with food delivery services to offer free or discounted memberships, statement credits for food delivery purchases, elevated rewards earning, money-saving offers, and additional perks.
There are a lot of food delivery services in the marketplace right now, along with accompanying debates as to which one is best. According to CNET, a well-established technology media company, here are the most popular apps and services to top its list.³ Keep in mind that your favorite will likely depend on your geographic location and personal experience.
In addition to single-delivery pricing, most food delivery services offer subscriptions that allow you to pay a monthly fee and receive free delivery, reduced fees, and special offers.
Let’s now take a look at which credit cards offer food delivery service benefits you can use.
Before we get to the details of the food delivery and restaurant benefits for the featured cards in our article today, let’s look at a high-level overview of how the cards compare.
|Card||Welcome Bonus and Annual Fee||Food Delivery Service Benefits|
|Chase Sapphire Preferred® Card||
|Chase Sapphire Reserve®||
|The Platinum Card® from American Express||
|American Express® Gold Card||
|Capital One Savor Cash Rewards Credit Card||
|American Express® Green Card||
|Chase Freedom Flex℠||
|Chase Freedom Unlimited®||
Whether you use a food delivery service or purchase from a restaurant directly, it’s easy to earn rewards on your meal purchases.
If you spend a lot with food delivery services, selecting a card that earns big on those category purchases could make economic sense for realizing value in the form of cash-back, statement/account credits, or redeemable points.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
Be sure to register your card with DoorDash to receive the related benefits.
Hot Tip: Use your Chase Sapphire Preferred card to purchase discounted Uber gift cards when on sale via the Shopping through Chase portal. You’ll save on Uber Eats food delivery purchases and receive elevated earnings on eligible purchases.
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.
The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.
Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!
Register your card with DoorDash before using the food delivery service. If you don’t have the card, you’ll want to check out all the reasons to consider the Chase Sapphire Reserve card.
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.
Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
The American Express® Gold Card is a game-changer.
With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.
Register your card and receive $10 per month in statement credits for purchases with Grubhub/Seamless food delivery or with The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations.
Add your card to your Uber account and receive up to $10 per month in Uber Cash, up to $120 per year. Uber Cash can be used for U.S. Uber rides and Uber Eats.
An excellent cash-back card that offers rewards for categories like dining, entertainment, popular streaming services, and grocery stores. (Information collected independently. Not reviewed by Capital One.)
When it comes to rewards credit cards, you can break up most savvy consumers into 2 camps: those who prefer travel rewards and those who prefer cash-back.
Both options can be very lucrative to you and your wallet, especially if you’re using the right card. For those who fall in the “cash is king” camp, you’ll likely find the Capital One Savor card quite compelling.
The Capital One Savor card earns 10% cash-back on Uber and Uber Eats purchases, as well as 4% cash-back on dining, including restaurants, cafes, bars, lounges, fast-food chains, and bakeries (food delivery services may code as dining).
Cardholders can also enroll in a complimentary Uber One membership through November 14, 2024.
You don’t have to use a food delivery service to earn rewards on restaurant food purchases.
Several rewards cards offer elevated earnings on dining purchases that would, in turn, apply to food delivery services and carry-out or delivery orders purchased directly from the restaurant.
In addition to the cards we mentioned earlier, you can receive bonus earnings at restaurants with these cards:
For more ways to earn rewards on dining, you’ll want to review our list of the best credit cards for restaurants and dining.
Hot Tip: Bank of America cardholders are eligible for a free year of Grubhub+.
Several additional Chase cards also come with DoorDash benefits.
The following Chase cards offer a free 3-month DashPass subscription, plus an additional 9 months at 50% off:
After the 3-month period, you’ll be auto-enrolled at a 50% discount ($4.99 per month) in DashPass for another 9 months. After that, the membership will be auto-enrolled at full price.
Hot Tip: Both the Freedom Flex card and Freedom Unlimited card also earn 3% cash-back on dining.
The free DashPass subscription, which must be activated by December 31, 2024, is not reason alone to select one of these Chase cards, but is a nice benefit considering that none of these cards charges an annual fee.
The following co-branded cards come with free DashPass benefits for 12 months after activation:
You must activate the membership by December 31, 2024.
All U.S. World and World Elite Mastercard members will receive $5 off each month until September 30, 2023.
Those cardholders who are not yet members can register for a complimentary 3-month DashPass membership.
Food delivery services are convenient, but they can also be expensive. By using a card that offers a subscription for free delivery, statement credits for purchases, special discounts, credit card welcome bonus, or elevated rewards earning, you can reduce the overall cost of using these services.
Another way to save is to check with your favorite restaurant first to see if they deliver, as many do. If you can make your purchase directly with the eating establishment, you may save on delivery charges and extra fees. In addition, you’ll be supporting local businesses — especially small businesses — with direct revenue. We’ve included the associated earnings on dining for our featured cards. Plus, many credit cards offer restaurant purchases as a bonus category, so you’ll still be earning elevated rewards on your purchase.
Food delivery service benefits alone are not a reason to select a specific credit card, but knowing which cards offer the benefits, and using those cards for your purchase, could put dollars back in your wallet.
For the car rental collision damage coverage benefit of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the trip cancellation and interruption insurance benefits of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
The information regarding the Capital One Savor Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Apple Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the American Express® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Slate® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Disney® Visa® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Boundless® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Bold® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding The Ritz-Carlton™ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding The World of Hyatt Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the United Club℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Freedom Rise℠ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The credit card with the best food delivery service benefits may be either the Amex Platinum card with its $200 in Uber Cash each year that can be used for Uber Eats or the Chase Sapphire Reserve card with its free DoorDash DashPass subscription and $5 in monthly credits.
However, the best card for you will be the one with overall earnings that match your spending mix, has an annual fee you are willing to pay, redemption options you prefer, and an overall benefits package that provides value.
The establishments that are considered bonus category merchants for earning elevated rewards on dining purchases are those that have chosen to identify themselves as restaurants and have an associated merchant code with the card issuer.
For example, a restaurant located in a hotel may not categorize as a restaurant. A cafe located in a department store may also not qualify as a restaurant. Restaurants that use Square payment processing have been known not to code as a restaurant.
Most restaurants, fast food establishments, bars, coffee shops, and cafes will code appropriately but there can be exceptions, like those mentioned.
DoorDash is a technology company that facilitates door-to-door food delivery for a fee. You can place your order for local restaurant food via a smartphone app and have it delivered to the address of your choosing.
You can pay for food delivery and fees each time you use the app or you can purchase a subscription. The DashPass subscription includes free delivery and reduced fees to DoorDash and sister-company Caviar.
Select Chase credit cards come with a complimentary or discounted DoorDash DashPass subscription.
Yes, Uber Cash that you have in your Uber account can be used for Uber Eats. When you place an order via the Uber Eats app, select Uber Cash as the payment method before you submit your order.
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