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Many restaurants have reopened for outdoor or limited indoor dining and it’s tempting to occasionally go out for a meal. However, as the weather changes, our inclination to hibernate becomes that more pronounced. It’s only a matter of time until 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 a number of travel rewards credit card options.
American Express® Gold Card
If you are looking for one of the best cards for food delivery services, the American Express Gold Card is an excellent choice. This card earns 4 Membership Rewards points per dollar spent at restaurant purchases, and that includes purchases made with major food delivery services in the U.S. as long as they are coded as a restaurant by American Express.
You can also use this card to earn 4 Membership Rewards® points per dollar at restaurants, plus takeout and delivery in the U.S., 4 Membership Rewards® points per dollar at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point per dollar), 3 Membership Rewards® points per dollar on flights booked directly with airlines or through American Express travel and 1 point per dollar on all other eligible purchases. This card has a $250 annual fee (see rates & fees).
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.
Cardholders are eligible for a $10 per month Uber cash bonus, which can also be used on U.S. Uber rides and Uber Eats when your Gold card is added to your Uber account.
American Express® Gold Card
Apply Now
On American Express’s Secure Website
Apply Now
On American Express’s Secure Website
Up to 4X Reward Rate
Earn 4X Membership Rewards® points at restaurants, plus takeout and delivery in the U.S.; Earn 4X Membership Rewards® points atRead More
Welcome Bonus
Earn 60,000 points
Regular APR
See Pay Over Time APR
Credit Score
Excellent/Good (700 – 749)
Why We Picked It
Foodies and travelers can leverage the American Express® Gold Card to the hilt, earning up to 4x points. The annual fee may seem intimidating, but by using the included benefits and doing some spending, it’s easy to come out ahead.
Pros & Cons
- High rewards earnings possibilities
- Points transfer option to many partners
- Add up to 5 authorized users for no additional annual fee
- Can choose from regular or rose gold versions
- No lounge benefits
- Limited options to carry a balance
- High APR for pay over time feature
- High pay over time penalty APR
Card Details
- Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
- Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
- See Rates & Fees
Chase Sapphire Reserve®
The next-best reliably-good credit card for food delivery services is the Chase Sapphire Reserve®. This card will earn 5 points per dollar on air travel and 10 points per dollar on hotels and car rentals when purchasing travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3 points per dollar on other travel and dining and 1 point per dollar spent on all other purchases. You can not only see bonuses when you earn with the Sapphire Reserve, you can also use Chase’s Pay Yourself Back feature at 1.5 cents per Ultimate Rewards point. This program applies to purchases in select rotating categories.
Up to 10x Reward Rate
Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travelRead More
Welcome Bonus
50,000 points
Regular APR
16.99%-23.99% Variable
Credit Score
Excellent (750 – 850)
Why We Picked It
This card offers superior points earning rates if you spend frequently on travel and dining out. The $300 travel credit justifies much of the annual fee, and redeeming points for travel on Chase Ultimate Rewards or when using the Pay Yourself Back feature nets you a 50% bonus.
Pros & Cons
- $300 annual travel credit is incredibly flexible
- Generous welcome bonus
- Get 50% more value when you redeem points for travel through Chase, or for select purchases through Pay Yourself Back℠ program
- Points transfer to valuable airline and hotel partners
- High annual fee
- High variable APR on purchases
- Excellent credit recommended
Card Details
- Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 50,000 points are worth $750 toward travel
- With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Best 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.
Savor Rewards Credit Card*
For those looking to maximize cash back across all food delivery services, the Savor Rewards Credit Card* should be your go-to card. This card will earn 4% cash back on all dining, entertainment and popular streaming services, 3% cash back at grocery stores and 1% on all other purchases. 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.
Capital One SavorOne Cash Rewards Credit Card
One of the best returns on a no-annual-fee credit card is going to come from the Capital One SavorOne Cash Rewards Credit Card. Cardholders will earn 3% cash back on dining, entertainment, popular streaming services and grocery stores (which excludes superstores like Walmart and Target) and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023.
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.
American Express® Green Card*
The American Express Green Card advertises 3 Membership Rewards points per dollar spent on travel, transit and restaurants. Other purchases earn 1 point per dollar. 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.
The Platinum Card® from American Express
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 when you link your card to your Uber account. Cardholders stuck at home can use this Uber Cash benefit to pay for U.S. Uber purchases, including eligible Eats purchases.
However, you won’t want to use the card for food delivery service purchases after exhausting this credit. The ongoing rewards rate on this card is 5 membership rewards points per dollar for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per dollar on prepaid hotels booked with American Express Travel and 1 point per dollar on all other eligible purchases. It also has a high annual fee of $695 (Terms apply. See Rates & Fees), but the fee may be worth it with the other travel credits as well as those from Uber Eats.
The Platinum Card® from American Express
Apply Now
On American Express’s Secure Website
Apply Now
On American Express’s Secure Website
5X Reward Rate
Earn 5 Membership Rewards points per dollar on prepaid hotels booked with American Express Travel; earn 5 Membership Rewards perRead More
Welcome Bonus
Earn 100,000 points
Regular APR
See Pay Over Time APR
Credit Score
Excellent/Good (700 – 749)
Why We Picked It
The Platinum Card is destined for frequent travelers who intend to fully leverage the rich set of luxury travel benefits and Platinum Concierge service. In the right hands, the classic status card’s staggering annual fee is well justified.
Pros & Cons
- High reward potential on flights and hotels booked through American Express Travel
- Multiple credits can help justify the fee
- Comprehensive airport lounge access
- Luxury travel benefits and elite status with Hilton and Marriott with enrollment
- High annual fee
- Maximizing the statement credits takes some work and could be unworkable for many
- Reward rate outside of travel is sub-par for a premium card
Card Details
- Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
- $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
- American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
- $300 Equinox Credit: Get up to $25 back each month on eligible Equinox memberships when you pay with your Platinum Card®. Enrollment required.
- $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
- $695 annual fee.
- Terms Apply.
- See Rates & Fees
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.
Uber Eats, DoorDash, GrubHub and Seamless now have a new contactless delivery option. 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.
The Platinum Card® from American Express rates & fees.
American Express® Gold Card rates & fees.