Best Credit Cards For Food Delivery Of April 2024

The Prime Visa offers cash-back rewards at restaurants, Amazon Fresh and Whole Foods (including delivery of prepared foods), plus bountiful rewards at Amazon.com where at-home chefs can find specialty ingredients.

Rewards: Earn 5% back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership, 2% back at gas stations, restaurants and on local transit and commuting (including rideshare), and 1% back on other purchases.

Welcome offer: Earn a $100 Amazon gift card upon approval with an eligible Prime membership.

Annual fee: $0

Other benefits and drawbacks: Although the cost to own the card is $0, an Amazon Prime membership, which starts at $139 per year or $69 for students, is required to earn at these rewards rates. The card includes secondary rental collision damage waiver coverage, extended warranty and purchase protections, lost and delayed baggage protection, roadside dispatch, travel accident insurance and access to emergency assistance.

The Chase Sapphire Reserve® earns bonus points on restaurant delivery and partners with services including DoorDash, Caviar and Instacart for simultaneous savings and convenience.

Rewards: Earn 5 points per dollar on flights and 10 points per dollar on hotels and car rentals when purchasing travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3 points per dollar on other travel and dining and 1 point per dollar spent on all other purchases.

Welcome offer: Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.

Annual fee: $550

Other benefits and drawbacks: Cardholders have access to several benefits and statement credits for delivery services after enrollment. Enjoy a $15 monthly statement credit to Instacart and complimentary DashPass and Instacart+ memberships. As a Visa Infinite Card, the Chase Sapphire Reserve® also offers a complimentary Shipt membership for on-demand delivery from local stores including Target and CVS.

The Platinum Card® from American Express (terms apply, see rates & fees) offers Uber Cash when you link the card to an Uber account—a total of up to $200 per year. Since Uber Cash is good for U.S. rides or Eats, you can use the credits to both dine out or go out.

Rewards: Earn 5 Membership Rewards Points per dollar for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per dollar on prepaid hotels booked with American Express Travel and 1 point per dollar on other eligible purchases.

Welcome offer: Earn 80,000 Membership Rewards Points after spending $8,000 on purchases on the card in the first 6 months of card membership.

Annual fee: $695

Other benefits and drawbacks: The card comes with a truckload of benefits that, if fully utilized, far exceed the annual cost of card ownership. Some of the credits include an up to $200 airline incidental fee credit on an airline you enroll with each year, an up to $189 CLEAR® Plus credit, up to $155 in statement credits toward a Walmart+ membership and an up to $240 digital entertainment credit, received as $20 statement credits monthly. Enrollment is required for select benefits. The card also includes expansive lounge access, myriad travel benefits and hotel status.

The American Express® Gold Card (terms apply, see rates & fees) has excellent rewards on restaurants and delivery. Monthly credits to popular services also appeal to those who depend on food delivery as a dining staple.

Rewards: Earn 4 Membership Rewards® points per dollar at restaurants, plus takeout and delivery in the U.S., 4 Membership Rewards® points per dollar at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point per dollar), 3 Membership Rewards® points per dollar on flights booked directly with airlines or through American Express travel and 1 point per dollar on other eligible purchases.

Welcome offer: Earn 60,000 Membership Rewards points after spending $6,000 on purchases in the first 6 months of card membership.

Annual fee: $250

Other benefits and drawbacks: The card provides up to $120 in annual statement credits for eligible restaurants (including Grubhub), payable as $10 per month credits and up to $120 in annual Uber Cash credits—also payable as $10 per month credits. With secondary car rental damage and loss insurance on eligible auto rentals¹ and no foreign transaction fees, many of the other benefits with this card focus on travel. Eat in or travel out—this card covers you both ways.

Like the more expensive Chase Sapphire Reserve®, the Chase Sapphire Preferred® Card offers benefits with DoorDash and Instacart, among other partners.

Rewards: Earn 5 points per dollar on travel purchased through Chase Travel℠, 3 points per dollar on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per dollar on all other travel purchases and 1 point per dollar on other purchases.

Welcome offer: Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.

Annual fee: $95

Other benefits and drawbacks: Unlock complimentary subscriptions to Instacart+ and DashPass and take advantage of $15 quarterly statement credits with Instacart—this card has you covered. The modest annual fee also grants access to other perks, including hotel statement credits, select travel insurance and 10% bonus points on all eligible purchases made that year on your card anniversary.

If you’re a die-hard Instacart fan, the Instacart Mastercard®, may be just what you need. The card offers free delivery on all purchases over $35, a 5% credit on pickup orders (excluding alcohol), $100 Instacart credit plus 1 free year of Instacart+ automatically upon approval and the ability to share your benefits with family. Plus, the card earns elevated rates on Chase Travel, gas and streaming services, meaning it has some utility outside of ordering food.

Rewards: Earn 5% cash back on Instacart app and Instacart.com purchases, and on travel purchased through the Chase Travel Center, 2% cash back at restaurants, gas stations and on select streaming services and 1% cash back on all other purchases.

Welcome offer: Earn a $100 Instacart credit plus 1 free year of Instacart+ automatically upon approval.

Annual fee: $0

Other benefits and drawbacks: The Instacart Mastercard doesn’t charge foreign transaction fees and as a World Elite Mastercard, comes with a hefty collection of benefits including auto rental collision damage waiver, roadside assistance and extended warranty protection.

Students who want to order in so they can spend more time studying should consider the Capital One SavorOne Student Cash Rewards Credit Card for its increased rewards-earning rates.

Rewards: Earn 10% cash back on purchases made through Uber & Uber Eats through 11/14/2024, 3% cash back on dining, entertainment, popular streaming services and grocery stores (which excludes superstores like Walmart® and Target®), 5% cash back on hotels and rental cars booked through Capital One Travel, 8% cash back on Capital One Entertainment purchases, and 1% on all other purchases.

Welcome offer: Earn $50 after spending $100 in the first three months.

Annual fee: $0 (rates & fees)

Other benefits and drawbacks: The Capital One SavorOne Student Cash Rewards Credit Card doesn’t charge foreign transaction fees so it’s even a good choice for students who plan to travel abroad. The card also offers extended warranty and a complimentary concierge service.

If you’re loyal to DoorDash, you’ll want to look at the DoorDash Rewards Mastercard®. It comes with rewards on your deliveries plus a free year of DashPass and the ability to earn it again by spending on your card.

Rewards: Earn 4% cash back per dollar spent on DoorDash and Caviar orders, 3% per dollar on dining when purchased directly from a restaurant, 2% per dollar on purchases from grocery stores, online or in person and 1% cash back per dollar on all other purchases.

Welcome offer: Earn a free year of DashPass ($96 value).

Annual fee: $0

Other benefits and drawbacks: For a no annual fee card, the benefits on this card add up—assuming you use DoorDash regularly. A complimentary DashPass in your first year of card membership saves on delivery and service fees and earns bonus credits on takeout. DashPass members also earn $5 off their first order each month for even more savings (expires 4/30/2024).

The U.S. Bank Altitude® Go Visa Signature® Card* serves up plenty of perks in a tidy no annual fee package, with the biggest draw being strong earnings on dining, takeout and restaurant delivery.

Rewards: Earn 4 points per dollar on dining, takeout, and restaurant delivery, 2 points per dollar at grocery stores, grocery delivery, gas stations, streaming services and on EV charging stations (excluding discount stores, supercenters and wholesale clubs effective September 9, 2024) and 1 point per dollar on all other eligible purchases.

Welcome offer: Earn 20,000 bonus points after spending $1,000 in eligible purchases within the first 90 days of account opening.

Annual fee: $0

Other benefits and drawbacks: With a $15 streaming credit after 11 consecutive billing cycles of paying for a streaming service with the card, you could say the Altitude Go incentivizes you to stay on the couch and order in. As a Visa Signature card, you’ll also get benefits including ID theft Navigator protection, access to the Visa Signature Luxury Hotel collection and access to travel and emergency assistance services.

The Blue Cash Preferred® Card from American Express (terms apply, see rates & fees) earns high rewards at supermarkets whether you pick them up yourself or have them delivered.

Rewards: Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) and 1% cash back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

Welcome offer: Earn a $250 statement credit after spending $3,000 in purchases within the first 6 months.

Annual fee: $0 intro annual fee for the first year, then $95

Other benefits and drawbacks: Although the card charges foreign transaction fees, it has a few statement credits that might appeal to anyone staying at home. Enjoy monthly credits toward The Disney Bundle when streaming shows at home, then work off the calories from your food delivery using the monthly statement credits toward Equinox+. Enrollment required.

If you prefer your food delivery rewards in the form of cash back, check out the Capital One SavorOne Cash Rewards Credit Card. It earns on all types of dining, whether you’re eating in, taking out or having it delivered to your door.

Rewards: Earn 3% cash back on dining, entertainment, popular streaming services and grocery stores (excluding superstores like Walmart® and Target®), 5% cash back on hotels and rental cars booked through Capital One Travel, 8% cash back on Capital One Entertainment purchases, and 1% on all other purchases.

Welcome offer: Earn a $200 cash bonus after spending $500 on purchases within the first 3 months from account opening.

Annual fee: $0 (rates & fees)

Other benefits and drawbacks: In addition to the standard rewards on the SavorOne, through Nov. 14, 2024 cardholders can earn 10% cash back on Uber and Uber Eats purchases and receive complimentary Uber One membership credits. New cardholders can also take advantage of an introductory APR offer for even more value.