Dining is consistently one of the most popular credit card bonus-earning categories, and this category often includes food delivery, either directly from a restaurant or through a delivery app such as DoorDash or Uber Eats.
Likewise, some credit card issuers offer food delivery benefits such as statement credits, free access to subscription services and delivery discounts.
If ordering in is a strong spending category of yours, here are six excellent cards that will help you maximize your deliveries with discounts, bonus points earning or both.
Best cards for food delivery
| Â | Food delivery benefit | Annual fee | Welcome offer |
|---|---|---|---|
| Chase Sapphire Reserve® |
|
$550 | Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening. |
| Chase Freedom Flex® |
|
$0 | Earn $200 cash back after spending $500 on purchases in the first 3 months from account opening. |
| Capital One SavorOne Cash Rewards Credit Card |
|
$0 (see rates and fees) | Earn a one-time $200 cash bonus after spending $500 on purchases within the first three months of account opening. |
| American Express® Gold Card |
|
$325 (see rates and fees) | Earn 60,000 points after spending $6,000 on purchases in the first six months of card membership. Plus, receive 20% back in statement credits on eligible restaurant purchases (up to $100) within the first six months of card membership. Offer ends 11/6. |
| The Platinum Card® from American Express |
|
$695 (see rates and fees) | Earn 80,000 bonus points after spending $8,000 on purchases on the card in the first six months of card membership. You may be targeted for a higher offer through the CardMatch tool (offer subject to change at any time) |
| Bank of America® Customized Cash Rewards credit card |
|
$0 | Receive $200 back after spending $1,000 in the first 90 days of account opening. |
Restaurant restrictions
It’s worth noting that some of these cards offer dining bonuses that are supposed to exclude food delivery services. In practice, however, these services often still code as dining or food merchants and, in fact, earn bonus points.
For instance, Chase defines its dining category this way:
“Restaurant category merchants’ primary business is sit-down or eat-in dining, including fast food restaurants and fine dining establishments. Merchants that sell food and drinks located within facilities such as sports stadiums, hotels and casinos, theme parks, grocery and department stores will not be included in this category unless the merchant has set up such purchases to be classified in a restaurant category. Bakeries, caterers, meal kit delivery services and gift card merchants are not included in this category.”
That’s why the Chase Sapphire Reserve, for example, earns a 3-points-per-dollar dining bonus on orders from Postmates, Grubhub, Uber Eats and DoorDash. Your results may vary by card and delivery service, so check the terms and conditions to be sure.
If you want to stay on the safe side, you can always order directly through the restaurant’s website or over the phone if offered. Generally, this will bill your credit card directly from the restaurant, ensuring you earn extra points on your food delivery.
Related: A complete guide to the Amex Gold dining credit
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Bottom line
These are some of the best credit cards with bonuses and discounts specifically for dining and food delivery services. Remember, although some of these cards exclude food delivery from earning bonus points in their terms, many will still earn bonus points on delivery so long as the merchant codes the purchase as dining.
These bonus points, combined with other benefits like discounts and statement credits, will make your food delivery more rewarding than ever.
Related: Can you earn rewards with a dining rewards program and a credit card at the same time?
For rates and fees of the Amex Gold card, click here.
For rates and fees of the Amex Platinum card, click here.
