Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our partners, however, our opinions are our own. Terms apply to offers listed on this page.
For many of us, our primary mode of eating at restaurants has transformed. The tide of coronavirus has lifted the popularity of delivery platforms like DoorDash, Grubhub, and Uber Eats, making dining from home more appealing than the hassle and stress of going out.
Find the right credit card with food delivery perks
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Earn 4X points on dining, takeout, and restaurant delivery. Earn 2X points on streaming services. Earn 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations. Earn 1X point on all other eligible purchases.
20,000 bonus points after spending $1,000 in the first 90 days of account opening
No matter your favorite haunt, odds are you can have its fare delivered to your home. And if you “eat out” as much as we do, you’ll save a lot of money simply by using the right rewards credit card at checkout.
Keep in mind many delivery services offer more than just delivery. Oftentimes you can order through the platform and pick up your order yourself.
Compare the best credit cards for food delivery
Chase Sapphire Preferred® Card
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Chase Sapphire Preferred® Card
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Details
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Show more
Regular Annual Percentage Rate (APR)
19.74% – 26.74% Variable
Editor’s Rating
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Show more
Pros & Cons
Highlights
Additional Reading
Rewards on food delivery: You’ll earn 3 points per dollar on all dining, including delivery services.
Other food delivery benefits: Complimentary DoorDash DashPass membership which gets you waived delivery fees on DoorDash orders of $15 or more and lower service fees. You must enroll your card by December 31, 2024. Also, you can get a free six months of Instacart+ membership, and up to $15 per quarter in statement credits on Instacart.com purchases (once activated).
Welcome bonus offer: 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening (worth $1,080 in travel, based on Insider’s points and miles valuations)
The Chase Sapphire Preferred® Card is our top recommendation for those looking to earn travel rewards, because it offers you plenty of opportunities to earn bonus points and offers strong insurance coverage, all for a reasonable $95 annual fee. It just so happens the card is also a solid choice for ordering delivery, as it earns 3x points on all dining purchases, which includes services like Seamless and Grubhub.
Insider estimates Chase points value to be 1.8 cents each, on average. Earning 3 points per dollar is like earning 5.4% back on your restaurant purchases, and the year of DashPass membership is a nice bonus.
Review: Chase Sapphire Preferred Card review
American Express® Gold Card
Intro offer
60,000 points after you spend at least $4,000 in your first 6 months of card membership
Rewards
Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® points on all other purchases.
American Express® Gold Card
Intro offer
60,000 points after you spend at least $4,000 in your first 6 months of card membership
Rewards
Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® points on all other purchases.
On American Express’s website
Details
Rewards
Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® points on all other purchases.
Annual Fee
$250
See Rates and Fees
Show more
Intro offer
60,000 points after you spend at least $4,000 in your first 6 months of card membership
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.24% – 27.24% Variable
Pros & Cons
Highlights
Additional Reading
Rewards on food delivery: You’ll earn 4 points per dollar on restaurants, which includes most US food delivery services.
Other food delivery benefits: Up to $10 back in statement credits each month** for purchases at Grubhub, Seamless, The Cheesecake Factory, Milk Bar, Wine.com, Goldbelly, and participating Shake Shack locations. Also, $10 monthly Uber Cash can be used for Uber Eats (up to $120 per calendar year ($10 per month), and the Gold Card needs to be added to the Uber app to receive the Uber Cash benefit).
Welcome bonus offer: 60,000 points after you spend at least $4,000 in your first 6 months of card membership (worth $1,080 in travel, based on Insider’s valuations)
The Amex Gold Card is one of the most rewarding options for ordering delivery, both in terms of benefits and rewards. Earning 4 Amex points per dollar is excellent. Insider values Amex points at 1.8 cents each — giving you an effective return of 7.2% for dining.
It’s easy to get up to $10 back each month through Seamless or Grubhub, as well. And the card earns 4 points per dollar at U.S. supermarkets (on up to $25,000 spent each calendar year, then 1x), so it’s also a great choice when you want to prepare food yourself.
Review: American Express Gold Card review
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
Details
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Show more
Regular Annual Percentage Rate (APR)
20.74% – 27.74% Variable
Editor’s Rating
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Show more
Pros & Cons
Highlights
Additional Reading
Rewards on food delivery: You’ll earn 3 points per dollar on all dining.
Other food delivery benefits: Receive a free year of DoorDash DashPass membership (activation required by December 31, 2024). One year of free Instacart+ membership and up to $15 per month in statement credits on Instacart.com purchases (once activated)
Welcome bonus offer: 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening (worth $1,080 in travel, based on Insider’s valuations)
This card offers the same return for food delivery as its sibling, the Chase Sapphire Preferred: 3 points per dollar, equivalent to a 5.4% return on purchases (per Insider’s valuations).
Given this card’s $550 annual fee, it’s unlikely that you’ll sign up for the Chase Sapphire Reserve® just for its dining earnings alone. The card is a great pick if you travel frequently, thanks to an annual statement credit of up to $300 for travel purchases, 10x points on Lyft rides through March 2025, strong travel insurance, airport lounge access courtesy of Priority Pass, and a complimentary two years of Lyft Pink All Access membership.
Review: Chase Sapphire Reserve review
Capital One Savor Cash Rewards Credit Card
Intro offer
Earn a one-time $300 cash bonus once you spend $3,000 on purchases within the first 3 months
Rewards
Earn unlimited 4% cash back on dining, entertainment, and popular streaming services. Earn 3% at grocery stores. Earn 1% on all other purchases.
Capital One Savor Cash Rewards Credit Card
Intro offer
Earn a one-time $300 cash bonus once you spend $3,000 on purchases within the first 3 months
Rewards
Earn unlimited 4% cash back on dining, entertainment, and popular streaming services. Earn 3% at grocery stores. Earn 1% on all other purchases.
Details
Rewards
Earn unlimited 4% cash back on dining, entertainment, and popular streaming services. Earn 3% at grocery stores. Earn 1% on all other purchases.
Intro offer
Earn a one-time $300 cash bonus once you spend $3,000 on purchases within the first 3 months
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
17.49% – 25.49% Variable
Pros & Cons
Highlights
Additional Reading
Rewards on food delivery: You’ll receive 4% cash back (except on Uber Eats orders, which earn 10% cash back through November 14, 2024)
Welcome bonus offer: Earn a one-time $300 cash bonus once you spend $3,000 on purchases within the first 3 months
The Capital One Savor Cash Rewards Credit Card is a great option for food delivery if you prefer to earn cash back. Along with earning 4% cash back on dining, it earns 10% back on Uber and Uber Eats orders through November 14, 2024. Plus, cardholders can activate a complimentary Uber One membership, which comes with $0 delivery fees on eligible Uber Eats orders, up to 5% back on Uber rides, up to 10% back with Uber Eats, and more.
If you’ve also got a Capital One travel credit card, like the Capital One Venture X Rewards Credit Card, Capital One Venture Rewards Credit Card, or Capital One Spark Miles for Business
, you can turn the cash back you earn with the Capital One Savor Cash Rewards Credit Card into Capital One miles. You can transfer Capital One miles to valuable airline and hotel partners to get free flights and stays.
Insider estimates that Capital One miles are worth 1.7 cents each, on average. Earning 4 points per dollar equates to a 6.8% return.
Review: Capital One Savor credit card review
The Platinum Card® from American Express
Intro offer
80,000 Membership Rewards® points after spending $6,000 on purchases in the first six months of card membership
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
The Platinum Card® from American Express
Intro offer
80,000 Membership Rewards® points after spending $6,000 on purchases in the first six months of card membership
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
On American Express’s website
Details
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
Annual Fee
$695
See Rates and Fees
Show more
Intro offer
80,000 Membership Rewards® points after spending $6,000 on purchases in the first six months of card membership
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
See Pay Over Time APR
Intro Annual Percentage Rate (APR)
N/A
Editor’s Rating
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Show more
Pros & Cons
Highlights
Additional Reading
Food delivery benefits: The Platinum Card® from American Express offers up to $15 in Uber Cash each month (and $35 in December), and you can use these monthly credits with Uber Eats as well as for rides.
Welcome bonus offer: 80,000 Membership Rewards® points after spending $6,000 on purchases in the first six months of card membership (worth $1,440 in travel, based on Insider’s valuations)
Again, the food delivery benefit is not the main draw of this premium card, but it’s nice to know that you can get reimbursed for ordering in through Uber Eats with the Amex Platinum. Other top perks include airport lounge access, complimentary Gold elite status with Hilton and Marriott**, an annual hotel credit up to $200, and an annual credit worth up to $200 for airline incidentals**.
Review: Amex Platinum card review
U.S. Bank Altitude® Go Visa Signature® Card
Intro offer
20,000 bonus points after spending $1,000 in the first 90 days of account opening
Rewards
Earn 4X points on dining, takeout, and restaurant delivery. Earn 2X points on streaming services. Earn 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations. Earn 1X point on all other eligible purchases.
U.S. Bank Altitude® Go Visa Signature® Card
Intro offer
20,000 bonus points after spending $1,000 in the first 90 days of account opening
Rewards
Earn 4X points on dining, takeout, and restaurant delivery. Earn 2X points on streaming services. Earn 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations. Earn 1X point on all other eligible purchases.
Foodies and travelers can do quite well with this card due to its high earning rates on dining, gas, and other categories. It’s a great pick if you prefer straightforward rewards and a generous welcome bonus, but as a no-annual-fee card, it doesn’t come with a lot of flashy benefits.
Details
Rewards
Earn 4X points on dining, takeout, and restaurant delivery. Earn 2X points on streaming services. Earn 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations. Earn 1X point on all other eligible purchases.
Intro offer
20,000 bonus points after spending $1,000 in the first 90 days of account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
19.24% – 28.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for the first 12 billing cycles
Pros & Cons
Highlights
Additional Reading
Rewards on food delivery: You’ll earn 4 points per dollar on takeout, food delivery, and dining.
Welcome bonus offer: 20,000 bonus points after spending $1,000 in the first 90 days of account opening
This card doesn’t offer any delivery-specific benefits other than a fantastic return on spending. Altitude points are worth 1 cent each, so you’ll get a 4% return on your deliveries. Even more impressive is that this card has a $0 annual fee.
Also worth noting is that this card offers an annual credit of up to $15 for streaming service purchases.
Review: U.S. Bank Altitude Go card review
Food delivery credit cards frequently asked questions (FAQ)
The overall best credit card for food delivery is likely the American Express® Gold Card because of its many complementary delivery benefits, such as:
- Up to $10 per month in food credits with select vendors, including Grubhub and Seamless
- Up to $10 per month in Uber Cash, which you can use for Uber Eats
- 4 points per dollar on restaurant spending, including most delivery services
It’s possible to order food without a credit card. Delivery services like Grubhub and DoorDash accept cash on delivery — but you may find it more difficult to find a willing delivery driver, as they must be prepared to make change.
Select restaurants also may not participate in cash payments for delivery.
The no-annual-fee Instacart Mastercard® is the first co-brand credit card with a food delivery service and it’s ideal for folks who spend big on grocery delivery. Although Instacart doesn’t typically deliver meals from restaurants, fans of food convenience will still love this card. It earns 5% cash back on Instacart purchases, and 5% back on travel purchased through the Chase Travel Center. It also earns 2% back at restaurants, gas stations, and on select streaming services (1% back on all other purchases).
Chase also has plans in the works for the first-ever DoorDash Rewards Mastercard. It plans to offer valuable rewards and perks for foodies and exclusive deals for cardholders.
Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our partners, however, our opinions are our own. Terms apply to offers listed on this page.
For many of us, our primary mode of eating at restaurants has transformed. The tide of coronavirus has lifted the popularity of delivery platforms like DoorDash, Grubhub, and Uber Eats, making dining from home more appealing than the hassle and stress of going out.
Find the right credit card with food delivery perks
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Earn 4X points on dining, takeout, and restaurant delivery. Earn 2X points on streaming services. Earn 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations. Earn 1X point on all other eligible purchases.
20,000 bonus points after spending $1,000 in the first 90 days of account opening
No matter your favorite haunt, odds are you can have its fare delivered to your home. And if you “eat out” as much as we do, you’ll save a lot of money simply by using the right rewards credit card at checkout.
Keep in mind many delivery services offer more than just delivery. Oftentimes you can order through the platform and pick up your order yourself.
Compare the best credit cards for food delivery
Chase Sapphire Preferred® Card
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Chase Sapphire Preferred® Card
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Details
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Show more
Regular Annual Percentage Rate (APR)
19.74% – 26.74% Variable
Editor’s Rating
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Show more
Pros & Cons
Highlights
Additional Reading
Rewards on food delivery: You’ll earn 3 points per dollar on all dining, including delivery services.
Other food delivery benefits: Complimentary DoorDash DashPass membership which gets you waived delivery fees on DoorDash orders of $15 or more and lower service fees. You must enroll your card by December 31, 2024. Also, you can get a free six months of Instacart+ membership, and up to $15 per quarter in statement credits on Instacart.com purchases (once activated).
Welcome bonus offer: 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening (worth $1,080 in travel, based on Insider’s points and miles valuations)
The Chase Sapphire Preferred® Card is our top recommendation for those looking to earn travel rewards, because it offers you plenty of opportunities to earn bonus points and offers strong insurance coverage, all for a reasonable $95 annual fee. It just so happens the card is also a solid choice for ordering delivery, as it earns 3x points on all dining purchases, which includes services like Seamless and Grubhub.
Insider estimates Chase points value to be 1.8 cents each, on average. Earning 3 points per dollar is like earning 5.4% back on your restaurant purchases, and the year of DashPass membership is a nice bonus.
Review: Chase Sapphire Preferred Card review
American Express® Gold Card
Intro offer
60,000 points after you spend at least $4,000 in your first 6 months of card membership
Rewards
Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® points on all other purchases.
American Express® Gold Card
Intro offer
60,000 points after you spend at least $4,000 in your first 6 months of card membership
Rewards
Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® points on all other purchases.
On American Express’s website
Details
Rewards
Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® points on all other purchases.
Annual Fee
$250
See Rates and Fees
Show more
Intro offer
60,000 points after you spend at least $4,000 in your first 6 months of card membership
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.24% – 27.24% Variable
Pros & Cons
Highlights
Additional Reading
Rewards on food delivery: You’ll earn 4 points per dollar on restaurants, which includes most US food delivery services.
Other food delivery benefits: Up to $10 back in statement credits each month** for purchases at Grubhub, Seamless, The Cheesecake Factory, Milk Bar, Wine.com, Goldbelly, and participating Shake Shack locations. Also, $10 monthly Uber Cash can be used for Uber Eats (up to $120 per calendar year ($10 per month), and the Gold Card needs to be added to the Uber app to receive the Uber Cash benefit).
Welcome bonus offer: 60,000 points after you spend at least $4,000 in your first 6 months of card membership (worth $1,080 in travel, based on Insider’s valuations)
The Amex Gold Card is one of the most rewarding options for ordering delivery, both in terms of benefits and rewards. Earning 4 Amex points per dollar is excellent. Insider values Amex points at 1.8 cents each — giving you an effective return of 7.2% for dining.
It’s easy to get up to $10 back each month through Seamless or Grubhub, as well. And the card earns 4 points per dollar at U.S. supermarkets (on up to $25,000 spent each calendar year, then 1x), so it’s also a great choice when you want to prepare food yourself.
Review: American Express Gold Card review
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
Details
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Show more
Regular Annual Percentage Rate (APR)
20.74% – 27.74% Variable
Editor’s Rating
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Show more
Pros & Cons
Highlights
Additional Reading
Rewards on food delivery: You’ll earn 3 points per dollar on all dining.
Other food delivery benefits: Receive a free year of DoorDash DashPass membership (activation required by December 31, 2024). One year of free Instacart+ membership and up to $15 per month in statement credits on Instacart.com purchases (once activated)
Welcome bonus offer: 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening (worth $1,080 in travel, based on Insider’s valuations)
This card offers the same return for food delivery as its sibling, the Chase Sapphire Preferred: 3 points per dollar, equivalent to a 5.4% return on purchases (per Insider’s valuations).
Given this card’s $550 annual fee, it’s unlikely that you’ll sign up for the Chase Sapphire Reserve® just for its dining earnings alone. The card is a great pick if you travel frequently, thanks to an annual statement credit of up to $300 for travel purchases, 10x points on Lyft rides through March 2025, strong travel insurance, airport lounge access courtesy of Priority Pass, and a complimentary two years of Lyft Pink All Access membership.
Review: Chase Sapphire Reserve review
Capital One Savor Cash Rewards Credit Card
Intro offer
Earn a one-time $300 cash bonus once you spend $3,000 on purchases within the first 3 months
Rewards
Earn unlimited 4% cash back on dining, entertainment, and popular streaming services. Earn 3% at grocery stores. Earn 1% on all other purchases.
Capital One Savor Cash Rewards Credit Card
Intro offer
Earn a one-time $300 cash bonus once you spend $3,000 on purchases within the first 3 months
Rewards
Earn unlimited 4% cash back on dining, entertainment, and popular streaming services. Earn 3% at grocery stores. Earn 1% on all other purchases.
Details
Rewards
Earn unlimited 4% cash back on dining, entertainment, and popular streaming services. Earn 3% at grocery stores. Earn 1% on all other purchases.
Intro offer
Earn a one-time $300 cash bonus once you spend $3,000 on purchases within the first 3 months
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
17.49% – 25.49% Variable
Pros & Cons
Highlights
Additional Reading
Rewards on food delivery: You’ll receive 4% cash back (except on Uber Eats orders, which earn 10% cash back through November 14, 2024)
Welcome bonus offer: Earn a one-time $300 cash bonus once you spend $3,000 on purchases within the first 3 months
The Capital One Savor Cash Rewards Credit Card is a great option for food delivery if you prefer to earn cash back. Along with earning 4% cash back on dining, it earns 10% back on Uber and Uber Eats orders through November 14, 2024. Plus, cardholders can activate a complimentary Uber One membership, which comes with $0 delivery fees on eligible Uber Eats orders, up to 5% back on Uber rides, up to 10% back with Uber Eats, and more.
If you’ve also got a Capital One travel credit card, like the Capital One Venture X Rewards Credit Card, Capital One Venture Rewards Credit Card, or Capital One Spark Miles for Business
, you can turn the cash back you earn with the Capital One Savor Cash Rewards Credit Card into Capital One miles. You can transfer Capital One miles to valuable airline and hotel partners to get free flights and stays.
Insider estimates that Capital One miles are worth 1.7 cents each, on average. Earning 4 points per dollar equates to a 6.8% return.
Review: Capital One Savor credit card review
The Platinum Card® from American Express
Intro offer
80,000 Membership Rewards® points after spending $6,000 on purchases in the first six months of card membership
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
The Platinum Card® from American Express
Intro offer
80,000 Membership Rewards® points after spending $6,000 on purchases in the first six months of card membership
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
On American Express’s website
Details
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
Annual Fee
$695
See Rates and Fees
Show more
Intro offer
80,000 Membership Rewards® points after spending $6,000 on purchases in the first six months of card membership
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
See Pay Over Time APR
Intro Annual Percentage Rate (APR)
N/A
Editor’s Rating
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Show more
Pros & Cons
Highlights
Additional Reading
Food delivery benefits: The Platinum Card® from American Express offers up to $15 in Uber Cash each month (and $35 in December), and you can use these monthly credits with Uber Eats as well as for rides.
Welcome bonus offer: 80,000 Membership Rewards® points after spending $6,000 on purchases in the first six months of card membership (worth $1,440 in travel, based on Insider’s valuations)
Again, the food delivery benefit is not the main draw of this premium card, but it’s nice to know that you can get reimbursed for ordering in through Uber Eats with the Amex Platinum. Other top perks include airport lounge access, complimentary Gold elite status with Hilton and Marriott**, an annual hotel credit up to $200, and an annual credit worth up to $200 for airline incidentals**.
Review: Amex Platinum card review
U.S. Bank Altitude® Go Visa Signature® Card
Intro offer
20,000 bonus points after spending $1,000 in the first 90 days of account opening
Rewards
Earn 4X points on dining, takeout, and restaurant delivery. Earn 2X points on streaming services. Earn 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations. Earn 1X point on all other eligible purchases.
U.S. Bank Altitude® Go Visa Signature® Card
Intro offer
20,000 bonus points after spending $1,000 in the first 90 days of account opening
Rewards
Earn 4X points on dining, takeout, and restaurant delivery. Earn 2X points on streaming services. Earn 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations. Earn 1X point on all other eligible purchases.
Foodies and travelers can do quite well with this card due to its high earning rates on dining, gas, and other categories. It’s a great pick if you prefer straightforward rewards and a generous welcome bonus, but as a no-annual-fee card, it doesn’t come with a lot of flashy benefits.
Details
Rewards
Earn 4X points on dining, takeout, and restaurant delivery. Earn 2X points on streaming services. Earn 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations. Earn 1X point on all other eligible purchases.
Intro offer
20,000 bonus points after spending $1,000 in the first 90 days of account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
19.24% – 28.24% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for the first 12 billing cycles
Pros & Cons
Highlights
Additional Reading
Rewards on food delivery: You’ll earn 4 points per dollar on takeout, food delivery, and dining.
Welcome bonus offer: 20,000 bonus points after spending $1,000 in the first 90 days of account opening
This card doesn’t offer any delivery-specific benefits other than a fantastic return on spending. Altitude points are worth 1 cent each, so you’ll get a 4% return on your deliveries. Even more impressive is that this card has a $0 annual fee.
Also worth noting is that this card offers an annual credit of up to $15 for streaming service purchases.
Review: U.S. Bank Altitude Go card review
Food delivery credit cards frequently asked questions (FAQ)
The overall best credit card for food delivery is likely the American Express® Gold Card because of its many complementary delivery benefits, such as:
- Up to $10 per month in food credits with select vendors, including Grubhub and Seamless
- Up to $10 per month in Uber Cash, which you can use for Uber Eats
- 4 points per dollar on restaurant spending, including most delivery services
It’s possible to order food without a credit card. Delivery services like Grubhub and DoorDash accept cash on delivery — but you may find it more difficult to find a willing delivery driver, as they must be prepared to make change.
Select restaurants also may not participate in cash payments for delivery.
The no-annual-fee Instacart Mastercard® is the first co-brand credit card with a food delivery service and it’s ideal for folks who spend big on grocery delivery. Although Instacart doesn’t typically deliver meals from restaurants, fans of food convenience will still love this card. It earns 5% cash back on Instacart purchases, and 5% back on travel purchased through the Chase Travel Center. It also earns 2% back at restaurants, gas stations, and on select streaming services (1% back on all other purchases).
Chase also has plans in the works for the first-ever DoorDash Rewards Mastercard. It plans to offer valuable rewards and perks for foodies and exclusive deals for cardholders.
