The Best Credit Cards For Food Delivery Services
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Just stay home. That’s the advice that people worldwide are getting as the world fights the spread of the novel coronavirus. However, being stuck at home for an extended period of time can get monotonous. That can be especially true when you grow tired of cooking or miss having a favorite meal from a nearby restaurant.
Thankfully, there’s a solution. In the years leading up to this crisis, several food delivery services have launched and grown in cities around the U.S. That means that you aren’t necessarily stuck eating your own cooking the whole time you’re following social distancing guidelines.
Even better, as food delivery services battle for dominance in the market, some have teamed up with credit card issuers to provide bonus points, discounts and special benefits to woo potential customers. Let’s review these benefits and show you some of the best credit cards for food delivery services.Best Travel Rewards Credit Cards for Food Delivery Services
While you may not think that a premium travel rewards credit card would offer many benefits when it comes to food delivery service, you’ll be happy to know that you can rack up travel rewards and save on delivery at the same time with two travel rewards credit card options. American Express® Gold Card
If you are looking for the single best credit card for food delivery services, the American Express Gold Card is an excellent choice. This card earns 4 Membership Rewards points per dollar spent on restaurant purchases, and that includes purchases made with major food delivery services.
You can also use this card to earn 4 points per dollar on purchases at U.S. supermarkets and 3 points per dollar on flights booked directly with airlines or on amextravel.com when it’s time to start traveling again. All other purchases earn 1 point per dollar. This card has a $250 annual fee.
In addition, American Express Gold Card cardholders get up to $10 per month in statement credits toward purchases made with food delivery services Grubhub and Seamless or with Boxed, The Cheesecake Factory, Ruth’s Chris Steak House and participating Shake Shack locations. Between the bonus point earnings and up to $120 per year in statement credits, the Amex Gold Card is an easy choice for food delivery services.Chase Sapphire Reserve®
The next-best reliably-good credit card for food delivery services is the Chase Sapphire Reserve credit card. This card earns 3 Ultimate Rewards points per dollar spent on travel (after earning your $300 annual travel credit) and dining purchases, and that includes all major food delivery services.
While the Sapphire Reserve’s $300 annual travel credit won’t be useful now, it will go a long way toward offsetting the card’s $550 annual fee once traveling is again possible.
The Chase Sapphire Reserve recently got even better for DoorDash purchases. Cardholders will get up to $60 in statement credits for purchases made with DoorDash in 2020 and another $60 in statement credits in 2021. Plus, you can link your card to DoorDash to sign up for DashPass for free now through December 31, 2021. DashPass typically costs $9.99 per month and offers free delivery on orders over $12 and reduced DoorDash service fees.
Between these statement credits and the DashPass savings, I saved over $40 from my two DoorDash purchases so far this year:
ChaseBest Cash Back Credit Cards for Food Delivery Services
During this time of uncertainty, cash is certainly going to be king for many. Thankfully, there are several credit cards that offer cash back for food delivery service purchases.Capital One® Savor® Cash Rewards Credit Card
For those looking to maximize cash back across all food delivery services, the Capital One Savor Cash Rewards Credit Card should be your go-to card. This card earns a 4% cash back on dining and entertainment, and data points show that this includes major meal delivery services like Seamless, Uber Eats, GrubHub, DoorDash and Postmates. This card has a $95 annual fee that is waived for the first year. Capital One® SavorOne® Cash Rewards Credit Card
The best return on a no-annual-fee credit card is going to come from the Capital One SavorOne Cash Rewards Credit Card, which earns 3% cash back on entertainment and dining, including food delivery services.Uber Visa Credit Card or Apple Card
If Uber Eats is your food delivery platform of choice, there are a couple of additional no annual fee credit cards to consider. In addition to earning 5% cash back (as Uber Cash) on Uber rides, the Uber Visa Credit Card earns 5% cash back on Uber Eats purchases. Or you can earn 3% cash back on Uber Eats purchases using the Apple Card when you pay via Apple Pay.Other Credit Cards With Food Delivery Service Benefits
In addition to the cards listed above, there are other credit cards that provide bonus points or benefits only with certain food delivery services.
The most lucrative of these provides up to 20% cash back on all Postmates purchases. As part of a recent deal struck between Postmates and Mastercard, you will automatically earn $5 cash back on all Postmates orders over $25 when the purchase is charged to a World Mastercard or a World Elite Mastercard. That is a return of up to 20% cash back on purchases.
Some popular cards that feature this benefit are the Citi Prestige® Card, the Citi® / AAdvantage® Executive World Elite™ Mastercard®, and the Virgin Atlantic World Elite Mastercard®.
Speaking of the Citi Prestige® Card, this premium credit card earns 5 ThankYou points per dollar spent at restaurants. While it’s not advertised as earning bonus points on food delivery services, data points show that the card has recently earned 5 points per dollar on DoorDash, GrubHub and Uber Eats purchases.
The American Express® Green Card advertises 3 Membership Rewards points per dollar spent on travel and restaurants. While this bonus category doesn’t explicitly include meal delivery services, cardmembers have reported that purchases with Uber Eats and GrubHub have earned 3 points per dollar, but Postmates purchases don’t seem to trigger bonus points.
An honorable mention also goes to The Platinum Card® from American Express. One of the marquis benefits of this card is $15 per month in Uber Cash, with a bonus $20 ($35 total) in December. Cardholders stuck at home can use this Uber Cash benefit to pay for Uber Eats purchases. However, you won’t want to use the card for food delivery service purchases after exhausting this credit as you will only earn 1 Membership Reward point per dollar spent. It also has a high annual fee, but the fee is offset somewhat by other travel credits as well as those from Uber Eats. Staying Safe When Using Food Delivery Services
To prevent the continued spread of COVID-19, health departments worldwide implore everyone to maintain physical distance from others. Even if you long for a brief social interaction, you should heed this advice when ordering from food delivery services.
Services are scrambling to add new features such as contactless delivery. Postmates is the first to let you select an option to “leave order at my door” to prevent direct contact between you and the driver.
Uber Eats has also announced that it’s rolling out a new contactless delivery option. For now, DoorDash, GrubHub and Seamless are asking users to set-up personalized delivery instructions to ask couriers to leave the order outside your door.
Even if you don’t have direct interaction as part of the delivery, it’s still smart to wash your hands with soap for at least 20 seconds between unpacking your food and eating it.
To view rates and fees of the American Express® Gold Card, please visit this page.
To view rates and fees of the American Express® Green Card, please visit this page.
To view rates and fees of The Platinum® Card from American Express, please visit this page.
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