Best Credit Cards for Food Delivery

Dad and daughter sit on window seat at home sharing a pizza

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The coronavirus pandemic has transformed many Americans' dining habits, fueling a spike in food delivery. In August, collective sales for food delivery services grew 158% year-over-year, according to data from purchasing analytics company Second Measure. With no date in sight for a full return to in-person dining, and blustery fall weather fast approaching, ordering food delivered will become even more appealing in the coming months. Responding to the trend, some credit card issuers are offering perks for ordering delivery.

Snuggling up on the sofa with a pizza and Netflix sounds even better when you can earn cash back or credit card statement credits for doing so. If you decide to venture out to pick up groceries or takeout, or your city reopens in-person restaurant dining, the following credit cards offer rewards for that too. Here are our picks for credit cards that will pay off for you and for your favorite eateries.

Chase Freedom Unlimited®

The Chase Freedom Unlimited® delivers a good bang for your buck when it comes to food delivery—and more.

Restaurant purchases, including takeout and eligible delivery services, earn a solid 3% cash back. Use the card to sign up for DoorDash, and you'll receive a complimentary three-month subscription to DashPass, DoorDash's subscription service, for unlimited deliveries with no delivery fee on eligible orders over $12 from DoorDash or Caviar. (Be sure to activate by March 31, 2022, to receive this offer.) After your three months are up, you'll be automatically enrolled in DashPass at 50% off for the next nine months.

You'll also enjoy 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on drugstore purchases and unlimited 1.5% cash back on all other purchases, with no need to activate.

Currently, the Chase Freedom Unlimited® is offering a great intro bonus: Earn an extra 1.5% on everything you buy on up to $20,000 spent in the first year. So you'll earn 6.5% on travel purchased through Chase Ultimate Rewards, 4.5% on dining and drugstores and 3% on all other purchases.

But cash back isn't all the Chase Freedom Unlimited® has going for it. A lengthy 15-month 0% introductory APR on purchases lets you carry a balance for over a year without racking up interest. Just be careful to pay it off before the 15 months are up if you want to save on interest, since the standard APR ranges from 15.24% to 23.99% variable once the introductory period ends.There is no annual fee for this card.

Capital One SavorOne Cash Rewards Credit Card

The Capital One SavorOne Cash Rewards Credit Card offers solid rewards in a variety of categories, as well as useful travel and shopping perks, all with no annual fee. When it comes to food delivery perks, you'll get unlimited 3% cash back on dining (and entertainment) purchases. Purchases at grocery stores (excluding superstores like Target and Walmart) earn unlimited 3% cash back, 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats, 5% cash back on hotels and rental cars booked through Capital One Travel and all other purchases earn unlimited 1% cash back. You can redeem your cash back for any amount as a statement credit or check.

As a new cardholder, you can earn a $200 cash bonus when you spend $500 on the card in the first 3 months.

This card's shopping benefits include access to Wikibuy, an online shopping tool that scans thousands of merchants to help you find the best price, and Paribus, which finds potential savings on your previous online purchases and gets you money back. You can also pay for Amazon.com purchases using your Capital One rewards, and eligible items purchased with the card can receive additional warranty protection. You can even use virtual card numbers from Eno to pay for online purchases and keep your actual card number to yourself.

You may not be traveling much these days, but the Capital One SavorOne Cash Rewards Credit Card can be a useful companion when you eventually do hit the road. Travel accident insurance provides automatic insurance for a covered loss when you use your credit card to purchase your fare. Thanks to 24-hour travel assistance services, you can get an emergency replacement card and a cash advance if your credit card is lost or stolen while you're traveling. The card doesn't charge foreign transaction fees on international purchases, so this is a good card to take when you travel abroad.

U.S. Bank Altitude® Go Visa Signature® Card

Staying home and ordering in certainly saves money compared with a night on the town, and with the U.S. Bank Altitude® Go Visa Signature® Card, you'll earn 4 points for every dollar spent on takeout and delivery (as well as restaurant dining). Grocery store purchases, grocery delivery, select streaming services and gas station purchases earn 2 points per $1. All other eligible purchases earn 1 point per $1 spent.

Looking for ways to save even more? This card offers a 0% introductory APR for 12-month billing cycles on both purchases and balance transfers. That gives you a year to pay off high-interest credit card balances or your holiday shopping. (Just be sure to pay your balance off before the 12-month billing cycles are up, or your balance will start to accrue interest, which ranges from 15.74% to 24.74% variable with this card.)

Spend $1,000 on the card in the first 90 days from account opening, and you'll receive 20,000 bonus points, equivalent to $200 in cash value. Points don't expire as long as your account is active and can be redeemed for merchandise, gift cards, travel, cash back in the form of a statement credit, or a deposit to your U.S. Bank savings or checking account.

The U.S. Bank Altitude® Go Visa Signature® Card even rewards you for being a couch potato: You get 2 points per $1 spent when you pay for eligible streaming services, such as Netflix, Hulu and Apple Music, with the card. Use the card to pay for 11 consecutive calendar months of such services and you'll also get a one-time bonus statement credit of $15 per 12-month period automatically applied to your account. All this and there's no annual fee.

American Express® Gold Card

Whether you're noshing on takeout or cooking from scratch, eating can rack up hefty rewards when you use the American Express® Gold Card. Earn 4 rewards points for each dollar spent at restaurants, including delivery and takeout, and 4 points per dollar on U.S. supermarket purchases up to $25,000. After that, you'll earn 1 point per dollar spent. Terms apply.

When you use the card to pay at Grubhub, Seamless and participating restaurants, you can also earn up to $10 in monthly statement credits. That's up to $120 in statement credits annually that can help to offset the card's $250 annual fee (see rates and fees). Be aware the $10 statement credits are only available for a limited selection of restaurants—The Cheesecake Factory, Ruth's Chris Steak House, Boxed and participating Shake Shack locations—and you must enroll to receive the credits.

If you're looking for an attractive intro bonus offer, this card offers 60,000 Membership Rewards points when you spend $4,000 on eligible purchases in your first 6 months with the card.

Once you're traveling freely again, this card will be a good one to have in your wallet. You'll earn 3 points per dollar spent on flights booked directly with airlines or at amextravel.com. You won't pay any foreign transaction fees with this card.

On the road, the American Express® Gold Card can help when things go wrong. There's a 24/7 Global Assist Hotline when you're over 100 miles from home; up to $1,250 in coverage for lost, damaged or stolen carry-on baggage and up to $500 for checked baggage on fares purchased with the card; and car rental loss and damage insurance when you reserve and pay for vehicles with the card. Terms apply. Note that the American Express® Gold Card works unlike traditional credit cards, and you'll only be allowed to carry a balance for certain charges, not all. Find out if you're matched with this card at Experian CreditMatch™.

Getting the Most from Food Delivery Credit Cards

Rewards credit cards typically require good to excellent credit, and those listed here are no exception. You can check your credit score and report for free before you apply for a card to see if you're likely to get approved, and to make sure your report is accurate and up to date.

Once you have a rewards credit card, you'll want to make the most of it. Keeping track of all the rewards and benefits your credit cards earn can get confusing. If you have a free Experian account, you can use the My Credit Cards feature to keep track. Just add your cards, and Experian will show you available perks and could show you new ways to save.

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