Best Credit Cards for Ordering Food Right Now

Meghan CoyleMarch 26, 2020

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If you want your regular coffee spot, hole-in-the-wall restaurant or family-owned bistro to stay in business post-pandemic, ordering food for takeout or delivery is one of the ways you can keep the cash flowing for them.

As a bonus, all of the spending you do now at your favorite restaurants can help you earn rewards to fund your next vacation once the travel bans are lifted and you can finally leave the house. Here are some of the best credit cards to help you support your community’s food establishments with delivery and takeout orders (while earning points and miles for your future travel needs).

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Credit cards with bonuses on restaurant spending

When you place your order, try to use a credit card that earns extra points in the restaurant spending category. Here are some popular options:

For points on dining

The Chase Sapphire Reserve® offers 3x points per dollar on dining (and travel, in case you want to book ahead with current flexible change policies). The Chase Sapphire Preferred® Card, with its lower annual fee, offers 2x points on dining.

For cash back on dining

The Capital One Savor family of cards has great choices for consumers looking for cash back instead of travel rewards. The Capital One® Savor® Cash Rewards Credit Card offers cardholders an unlimited 4% cash back on dining. Meanwhile, the no-annual-fee Capital One® SavorOne® Cash Rewards Credit Card offers 3% cash back on dining. Both offer 2% cash back on grocery stores, which will also be helpful during this “stay at home” period.

The Costco Anywhere Visa® Card by Citi is another option. It has 3% cash back on dining, in addition to 2% cash back on Costco purchases. Bulk toilet paper aisle, here we come!

For miles

If your loyalty lies with a specific airline and you’re focused on future travel opportunities, there are some airline credit cards that offer dining bonuses, too. Three of four cards in Delta’s family of co-branded cards come with double miles at restaurants. The United℠ Explorer Card and the recently revamped United Club℠ Infinite Card offer 2x miles on every dollar spent at restaurants.

Similarly, American Airlines has the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® that offers double miles on dining and the American Airlines AAdvantage MileUp℠ Card, which offers double miles on groceries (including grocery deliveries).

Take advantage of credit card food delivery benefits

UberEats has waived delivery fees for independently owned restaurants during the COVID-19 outbreak. Your credit card might offer benefits, too. For example, the recently revamped Chase Sapphire Reserve® has an automatic $60 annual credit for DoorDash orders this year and next year. You can also activate a one-year DashPass subscription, which allows you to save on all of your DoorDash orders.

Cardholders of the American Express® Gold Card can get a $10 statement credit every month when they order through GrubHub. The credit can apply to some bigger chains like Shake Shack, but you can also opt for your local burger joint instead. The Uber Credit Card also offers 5% in Uber cash back on Uber Eats orders.

Use your airline’s dining program for takeout

If you want to go the extra mile, check out which local restaurants are on your favorite airline’s dining program. It’s free to join — all you have to do is link a card and you can earn bonus miles for dining at certain restaurants in your neighborhood.

For example, with American Airlines’ AAdvantage Dining Program, you can earn 3x miles per dollar you spend at participating restaurants if you sign up for the program and subscribe to emails. Suddenly, your $25 takeout order has earned you 75 miles. Pay for it with your Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, and now your takeout order has earned you an additional 50 miles, for 125 miles in total.

Dining programs usually have sign-up bonus promotions as well, just like credit cards. Find out what the requirements are — usually, spending at least $25 or $30 at a restaurant within the first 30 days of joining — and plan how you’re going to eat your way to meeting that offer threshold, while supporting restaurants during such a difficult time.

Shop online

Finally, many local retailers have online stores you may not have ever visited if you’re used to  their brick-and-mortar location. But businesses are getting creative: Coffee shops sell some roasts you can make at home, and ice cream purveyors can ship you pints for your movie marathons. Even my local hummus guy from the farmer’s market is delivering. Many of these online purchases at food establishments still count for extra points when you pay with credit cards that have bonuses on dining. You also have the option of buying gift cards, when available, so you can still help restaurants and cafes right now and visit later.

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