Best Credit Cards for Food Delivery

These cards offer rewards, benefits and discounts that make food delivery cheaper.

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These days, ordering in is as much a part of our daily lives as dining out. 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, HelloFresh 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 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.

  • $5 monthly credit for DoorDash from April 2022 through December 2024.

  • Complimentary DashPass subscription for at least one year. (Must activate by Dec. 31, 2024.)

In addition to the card’s 3x cash back on dining, which includes delivery services, cardholders get a $5 monthly DoorDash in-app credit from April 2022 through December 2024. Through Dec. 31, 2024, (or for a minimum of 12 months, depending on your activation date), you can also get a complimentary membership to DoorDash's subscription delivery service, DashPass. 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.

Top pick for Grubhub

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 worldwide, plus takeout and delivery in the U.S.

  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Goldbelly, The Cheesecake Factory, Wine.com, Milk Bar and participating Shake Shack locations. (Enrollment required.)

  • Terms apply.

The card is the ideal pick for Grubhub 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. 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).

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 and Prime Now. This rate also applies to orders placed through Wholefoodsmarket.com.

Top pick for Instacart

Instacart Mastercard®

Chase Instacart Mastercard
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Annual fee: $0

Key food delivery rewards and benefits: 

  • Earn 5% cash back on the Instacart app and Instacart.com purchases.

  • Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.

If you do most of your grocery shopping through Instacart, the Instacart Mastercard® can be highly rewarding, offering 5% cash back on your purchases there. That's as good a rate as you'll find among $0-annual-fee cards. The free one-year trial of Instacart+ makes it an even more alluring choice as Instacart+ subscribers get free delivery on orders over $35 — not to mention reduced service fees.

Alternative option

American Express Blue Cash Preferred Credit Card
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In terms of rewards rates, the Blue Cash Preferred® Card from American Express one-ups even the Instacart Mastercard® — earning an industry-leading 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) — and Instacart purchases qualify for that 6% rate. Terms apply (see rates and fees).

However, you'll have to be OK shelling out an annual fee of $95, which is pricey for a cash-back card. Also note that its 6% rate is capped, whereas the Instacart Mastercard® has no such spending limit. Terms apply.

Top pick for meal kits

Bank of America® Customized Cash Rewards credit card

Bank of America® Customized 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.

However, the issuer notes 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.

Alternative option

American Express Blue Cash Everyday Credit Card
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The $0-annual-fee Blue Cash Everyday® Card from American Express offers $180 toward online Home Chef purchases in the form of $15 monthly statement credits. You must pay for the orders with the card to receive the credits, and enrollment is required. This benefit renews annually. Terms apply (see rates and fees).

Beyond that, the card also earns 3% back at U.S. supermarkets on up to $6,000 spent per year (then 1%). And as with its more expensive sibling (the aforementioned Blue Cash Preferred® Card from American Express), popular food delivery services like Instacart and Peapod qualify for that bonus rate.

🤓Nerdy Tip

Because Home Chef meal kits are sold in select physical grocery stores as well as online, it's worth figuring out whether you prefer delivery or shopping in person. For those who exclusively order online, the Blue Cash Everyday® Card from American Express might be the more sensible choice so that you can enjoy those Home Chef credits. But note that even though the more expensive Blue Cash Preferred® Card from American Express doesn't offer such credits, it can still earn you up to 6% back on Home Chef purchases — regardless of where they were made. Terms apply.

Top pick for general food delivery

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

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.

Other possibilities

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. Note, though, that for some of these kinds of co-branded cards, you may only be able to use them — or redeem rewards earned with them — at affiliated stores.


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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