Best Credit Cards for Food Delivery

These cards offer rewards, benefits and discounts that make food delivery cheaper.
Funto OmojolaOct 18, 2021

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These days, ordering in is as much a part of our daily lives as dining out once was. Thankfully, many of the best credit cards for groceries and dining also offer rewards, benefits and discounts that help you get food delivered straight to your door.

Here are the best credit cards for food delivery, including a breakdown of which cards are best based on your delivery service of choice.

Best credit cards for food delivery

Nerdy tip: The Visa and Mastercard payment networks also feature some food delivery benefits: Visa offers a discount with Shipt, while some Mastercard holders are eligible for deals on DoorDash, Hello Fresh and Instacart. But benefits that come from payment networks are different from benefits, like rewards, that come from your credit card's issuer (meaning the lending institution behind the card). Card issuers can sometimes choose to supplement or omit benefits from payment networks.

Top pick for DoorDash 

Chase Sapphire Reserve®

Chase Chase Sapphire Reserve Credit Card
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Annual fee: $550.

Key food delivery rewards and benefits: 

  • 3 points per $1 spent dining at restaurants, including eligible delivery services, takeout and dining out.

  • $60 credit for DoorDash in 2021 (note, the same discount was offered in 2020).

  • Complimentary DashPass subscription for at least one year. (Must activate by Dec. 31, 2021.)

In addition to the card’s 3x cash back on dining, which includes delivery services, cardholders get a $60 DoorDash credit for 2021. Through Dec. 31, 2021, you can also get a complimentary membership to DoorDash's subscription delivery service, DashPass, for up to two years after activation. This DashPass subscription, which normally costs $9.99 per month, includes a $0 delivery fee and reduced service fees on orders of $12 or more.

Other contenders

Several other Chase-issued cards, including the $95-annual-fee Chase Sapphire Preferred® Card, also offer free DashPass subscriptions — although subscription length will vary depending on which card you have. (Offers must be activated by Dec. 31, 2021.)

Top pick for Grubhub and Seamless

American Express® Gold Card

American Express Premier Rewards Gold Credit Card
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Annual fee: $250. Terms apply (see rates and fees).

Key food delivery rewards and benefits: 

  • 4 Membership Rewards® points per $1 spent at restaurants, including takeout, delivery and Uber Eats purchases.

  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed and participating Shake Shack locations. (Enrollment required.)

  • Terms apply.

The card is the ideal pick for Grubhub and Seamless loyalists. It offers $10 in monthly statement credits, on up to $120 annually, when you use the card at either food delivery service. And the card’s 4x earning rate on dining means you’ll earn elevated rewards on your deliveries as well. Terms apply.

Further, cardholders can earn 4 points per $1 for Uber Eats purchases, which also makes the card a great choice for ordering with the delivery service (more on this below). Terms apply.

Top pick for Uber Eats

American Express® Gold Card

With its 4X back per $1 on Uber Eats purchases, the American Express® Gold Card is also a solid choice for Uber Eats purchases. Additionally, cardholders can automatically earn $10 in monthly Uber Cash, up to $120 per year, when they connect their card to their Uber Account. Note that this offer is only available to U.S. Uber Eats orders and rides. Terms apply (see rates and fees).

Nerdy tip: You can receive up to 12 complimentary months of an Uber Eats Pass subscription when you enroll your American Express® Gold Card before Dec. 31, 2021.

Alternative option

The Platinum Card® from American Express features a $200 yearly Uber credit — $15 each month and $35 in December — which can be used toward Uber Eats purchases. Note that this offer is only applicable to U.S. Uber Eats orders and rides. Terms apply (see rates and fees).

Top pick for Amazon’s food delivery services

Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card
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Annual fee: $0. (But you must be an Amazon Prime member to get this card, which requires a yearly fee.)

Key food delivery rewards and benefits: 

  • 5% back at Amazon.com and at Whole Foods Market, including deliveries placed through amazon.com and various other Amazon food delivery services.

  • 2% back at restaurants, including takeout and delivery.

If you do the majority of your grocery shopping on amazon.com or wholefoodsmarket.com, the Amazon Prime Rewards Visa Signature Card is the clear choice for rewarding your spending. The card’s highest rate of 5% back applies to food deliveries placed through Amazon.com and many of its delivery subsets, including Amazon Fresh, Prime Now and Prime Pantry. This rate also applies to orders placed through wholefoodsmarket.com.

Top pick for Instacart

Blue Cash Preferred® Card from American Express

American Express Blue Cash Preferred Credit Card
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Annual fee: $0 intro for the first year, then $95. Terms apply (see rates and fees).

Key food delivery rewards and benefits: 6% cash back on up to $6,000 spent per year at U.S. supermarkets, including orders made through third-party delivery services Instacart and Peapod (then 1% back). Terms apply.

Orders made through the grocery delivery service Instacart will earn the card’s unbeatable 6% cash-back rate. While there are other Amex cards, like the $0-annual-fee Blue Cash Everyday® Card from American Express, with grocery rewards that apply to Instacart, none earn rates as competitive as the Blue Cash Preferred® Card from American Express. Terms apply.

Other contenders 

Through April 2022, select Chase credit cards — including the Chase Freedom cards, the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® — are offering a complimentary Instacart Express membership when they sign up with their card. This free subscription, which typically costs $99 annually, offers deals like unlimited free deliveries on all orders of $35 or more, reduced service fees and no increased delivery fees during peak hours. Eligible cardholders must sign up by Jan. 31, 2022 to receive this benefit. Once you sign up, you’ll also get $10 off your next Instacart order of $35 or more.

Additionally, through Dec. 31, 2021, holders of U.S.-issued Mastercard-branded cards will also be eligible to receive two free months of an Instacart Express membership. You’ll have to use your Mastercard to sign up for an Express subscription and activate the offer.

Top pick for meal kits

Bank of America® Customized Cash Rewards credit card

Bank of America® Cash Rewards Credit Card
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Annual fee: $0.

Key food delivery rewards and benefits:

  • 3% back in a category of your choice (from a list of six, including dining and online shopping) and 2% back on grocery stores and wholesale clubs, for the first $2,500 of combined bonus spending per quarter (then 1% back).

  • For the dining category, the 3% rate applies to purchases made directly from eateries as well as those made through third-party delivery services. For the online shopping category, the 3% rate applies to any grocery delivery transaction made online.

  • The card's 2% back at grocery stores and wholesale clubs applies to online grocery orders made through delivery services.

Meal kit services including Blue Apron, Home Chef and HelloFresh are sold primarily online. To this end, holders of the Bank of America® Customized Cash Rewards credit card who select online shopping as their rotating bonus category can earn its 3% cash back for meal kit purchases made online.

The issuer notes, however, that if you selected a different rotating bonus category (gas, home improvement, etc.), an online meal kit transaction would not be eligible for the card’s 3% online shopping rate.

Other contenders 

Some meal kit services, like Home Chef, are sold in select physical grocery stores. This means that if you have a card that earns elevated rewards for groceries and grocery delivery, like the Blue Cash Preferred® Card from American Express or the American Express® Gold Card, you’ll be able to earn rewards for meal kit transactions made at grocery stores.

Nerdy tip: Now through Dec. 31, 2021, Bank of America® Premium Rewards® credit card customers can earn 2 points per $1 spent on grocery store spending, including certain meal kit services.

Top pick for general food delivery

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

U.S. Bank Altitude® Go Visa Signature® Card
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Annual fee: $0*.

Key food delivery rewards and benefits:

  • 4 points per $1 spent on dining, including takeout and delivery.

  • 2 points per $1 spent at grocery stores, including grocery delivery.

If you're not loyal to any one food delivery service, the U.S. Bank Altitude® Go Visa Signature® Card is the victor when it comes to robust rewards for food delivery across the board. Its 4x rate applies to all the big third-party meal delivery services, including DoorDash, Uber Eats, Grubhub and Seamless. And as for purchases made through grocery delivery services, cardholders will earn the card’s 2x rate as well. All of that for an annual fee of $0.

Although there are other great credit cards that earn higher rewards on both restaurant and grocery delivery, they typically come with hefty yearly costs and their rewards are often capped.

Alternative options

In terms of grocery delivery, if you typically shop at a particular retailer, then it might make more sense for you to opt for a store-branded credit card rather than a general-purpose card. Examples include the Sam's Club® Mastercard®, the Target REDcard™ Credit Card and the Costco Anywhere Visa® Card by Citi. Keep in mind, though, that for many of these cards, you’ll be able to use them at affiliated stores only.


To view rates and fees of the Blue Cash Preferred® Card from American Express, see this page. To view rates and fees of the Blue Cash Everyday® Card from American Express, see this page. To view rates and fees of the American Express® Gold Card, see this page.

The information related to Amazon Prime Rewards Visa Signature Card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.

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