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Best credit cards for food delivery in 2022
For many of us, our primary mode of eating at restaurants has transformed. The tide of coronavirus has lifted the popularity of delivery platforms like DoorDash, Grubhub, and Uber Eats. Continued restrictions due to the Omicron variant make dining from home more appealing than the hassle and stress of going out.
No matter your favorite haunt, odds are you can have its fare delivered to your home. And if you “eat out” as much as we do, you’ll save a lot of money simply by using the right rewards credit card at checkout.
Read more: The best credit cards for dining of 2022
Keep in mind many delivery services offer more than just delivery. Oftentimes you can order through the platform and pick up your order yourself.
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Chase Sapphire Preferred® Card
Rewards on food delivery: You’ll earn 3 points per dollar on all dining, including delivery services.
Other food delivery benefits: A complimentary year of DoorDash DashPass membership, which gets you waived delivery fees on DoorDash orders of $15 or more and lower service fees. You must enroll your card by December 31, 2024.
Welcome bonus offer: Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is our top recommendation for those looking to earn travel rewards, because it offers you plenty of opportunities to earn bonus points and offers strong insurance coverage, all for a reasonable $95 annual fee. It just so happens the card is also a solid choice for ordering delivery, as it earns 3x points on all dining purchases, which includes services like Seamless and Grubhub.
Insider estimates Chase points value to be 1.8 cents each. Earning 3 points per dollar is like earning 5.4% back on your restaurant purchases, and the year of DashPass membership is a nice bonus.
Read more: Chase Sapphire Preferred Card review
American Express® Gold Card
Rewards on food delivery: You’ll earn 4 points per dollar on restaurants, which includes most U.S. food delivery services.
Other food delivery benefits: Up to $10 back in statement credits each month** for purchases at Grubhub, Seamless, The Cheesecake Factory, and participating Shake Shack locations. Also, $10 monthly Uber Cash can be used for Uber Eats (up to $120 per calendar year ($10 per month), and the Gold Card needs to be added to the Uber app to receive the Uber Cash benefit).
Welcome bonus offer: American Express® Gold Card
The Amex Gold Card is one of the most rewarding options for ordering delivery, both in terms of benefits and rewards. Earning 4 Amex points per dollar is excellent. Insider values Amex points at 1.8 cents each — giving you an effective return of 7.2% for dining.
It’s easy to get up to $10 back each month through Seamless or Grubhub, as well. And the card earns 4 points per dollar at U.S. supermarkets (on up to $25,000 spent each calendar year, then 1x), so it’s also a great choice when you want to prepare food yourself.
Read more: American Express Gold Card review
Chase Sapphire Reserve®
Rewards on food delivery: You’ll earn 3 points per dollar on all dining.
Other food delivery benefits: Receive a free year of DoorDash DashPass membership (activation required by December 31, 2024).
Welcome bonus offer: Chase Sapphire Reserve®
This card offers the same return for food delivery as its sibling, the Chase Sapphire Preferred® Card: 3 points per dollar, equivalent to a 5.4% return on purchases (per Insider’s valuations).
Given this card’s Chase Sapphire Reserve® annual fee, it’s unlikely that you’ll sign up for the Chase Sapphire Reserve® just for its dining earning alone. The card is a great pick if you travel frequently, thanks to an annual statement credit of up to $300 for travel purchases, 10x points on Lyft rides through March 2025, strong travel insurance, and airport lounge access courtesy of Priority Pass.
Read more: Chase Sapphire Reserve review
Capital One Savor Cash Rewards Credit Card
Rewards on food delivery: You’ll receive 4% cash back.
Welcome bonus offer: Capital One Savor Cash Rewards Credit Card
The Capital One® Savor® Cash Rewards Credit Card is a great option for food delivery if you prefer to earn cash back. It earns 4% cash back on dining — just note that Uber Eats may code as travel instead of dining on your statement credits, so you should probably stick to other delivery services like Seamless with this card.
If you’ve also got a Capital One travel credit card, like the Capital One Venture X Rewards Credit Card, Capital One Venture Rewards Credit Card, or Capital One Spark Miles for Business, you can turn the cash back you earn with the Capital One Savor Cash Rewards Credit Card into Capital One miles. You can transfer Capital One miles to valuable airline and hotel partners to get free flights and stays.
Insider estimates that Capital One miles are worth 1.7 cents each, on average. Earning 4 points per dollar equates to a 6.8% return.
Read more: Capital One Savor credit card review
The Platinum Card® from American Express
Food delivery benefits: The Platinum Card® from American Express offers up to $15 in Uber Cash each month (and $35 in December), and you can use these monthly credits with Uber Eats as well as for rides.
Welcome bonus offer: The Platinum Card® from American Express
Again, the food delivery benefit is not the main draw of this premium card, but it’s nice to know that you can get reimbursed for ordering in through Uber Eats with the The Platinum Card® from American Express. Other top perks include airport lounge access, complimentary Gold elite status with Hilton and Marriott**, an annual hotel credit up to $200, and an annual credit worth up to $200 for airline incidentals**.
Read more: Amex Platinum card review
U.S. Bank Altitude® Go Visa Signature® Card
Rewards on food delivery: You’ll earn 4 points per dollar on takeout, food delivery, and dining.
Welcome bonus offer: U.S. Bank Altitude® Go Visa Signature® Card
This card doesn’t offer any delivery-specific benefits other than a fantastic return on spending. Altitude points are worth 1 cent each, so you’ll get a 4% return on your deliveries. Even more impressive is that this card has a U.S. Bank Altitude® Go Visa Signature® Card annual fee.
Also worth noting is that this card offers an annual credit up to $15 for streaming service purchases.
Read more: U.S. Bank Altitude Go card review
Frequently Asked Questions (FAQ)
Which is the best credit card for food delivery?
The overall best credit card for food delivery is likely the American Express® Gold Card because of its many complementary delivery benefits, such as:
Up to $10 per month in food credits with select vendors, including Grubhub and SeamlessUp to $10 per month in Uber Cash, which you can use for Uber Eats4 points per dollar on restaurant spending, including most delivery services
Can you order food delivery without a credit card?
It’s possible to order food without a credit card. Delivery services like Grubhub and DoorDash accept cash on delivery — but you may find it more difficult to find a willing delivery driver, as they must be prepared to make change.
Select restaurants also may not participate in cash payments for delivery.
Is there a credit card specifically for food delivery?
No credit card currently exists that is cobranded with a delivery service like DoorDash or Postmates. There was once an Uber credit card, but applications are no longer available.
The closest we’ve seen is an imminent Instacart credit card, which will specialize in grocery delivery. You can conceivably order meals from the grocery store.