Joe McConnell
Dining is consistently one of the most popular categories for credit card bonuses, and it often includes food delivery, either directly from the restaurant or through a delivery app like DoorDash or Uber Eats.
Likewise, some credit card issuers offer perks for food delivery, such as statement credits, free access to subscription services, and delivery discounts.
If orders are one of your top spending categories, here are six great cards that will help you maximize your deliveries with discounts, bonus points, or both.
Best cards for food delivery
| Benefits of food delivery | Annual fee | Welcome Offer | |
|---|---|---|---|
| Chase® Sapphire Reserve |
|
$550 | Earn 60,000 bonus points after spending $4,000 in purchases in the first three months of account opening. |
| Chase Freedom Flex® |
|
$0 | Earn $200 cash back after spending $500 on purchases in the first 3 months of account opening. |
| Capital One SavorOne Cash Rewards Credit Card |
|
$0 (see rates and fees) | Get 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 your first six months of card membership. Plus, get 20% back in account credits on eligible restaurant purchases (up to $100) within the first six months of card enrollment. 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 your card in your first six months of card membership. You may be matched for a higher offer through the CardMatch tool (offer subject to change at any time) |
| Bank of America® Customized Cash Rewards Credit Card |
|
$0 | Get $200 cashback after spending $1,000 in the first 90 days of account opening. |
Restrictions for restaurants
It is worth noting that some of these cards offer restaurant bonuses that are supposed to exclude food delivery services. In practice, however, these services are often still coded as restaurants or food merchants and, in fact, earn bonus points.
For example, Chase defines its restaurant category this way:
“The primary business of merchants in the restaurant category is sit-down or dine-in dining, including fast food and fine dining establishments. Merchants selling food and beverages located in facilities such as sports stadiums, hotels and casinos, theme parks, supermarkets, and department stores will not be included in this category unless the merchant has designated those 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. Results may vary by card and delivery service, so check the terms and conditions to be sure.
If you want to be on the safe side, you can always order directly through the restaurant’s website or by phone if offered. Typically, this will charge your credit card directly from the restaurant, ensuring you earn extra points on food delivery.
Related: A Complete Guide to Amex Gold Restaurant Credit
Daily News
Reward your inbox with TPG’s daily newsletter
Join over 700,000 readers for breaking news, in-depth guides, and exclusive offers from TPG experts
In conclusion
These are some of the best credit cards with bonuses and discounts specifically for restaurant and food delivery services. Remember, while some of these cards exclude food delivery from earning bonus points in their terms, many will still earn bonus points on delivery, as long as the merchant codes the purchase as a restaurant.
These bonus points, combined with other benefits like discounts and credits, will make your food delivery more rewarding than ever.
Related: Can You Earn Rewards With a Restaurant Loyalty Program and a Credit Card at the Same Time?
To learn about Amex Gold card fees and charges, click here.
To learn about Amex Platinum card fees and charges, click here.
