Best Credit Card For Food Delivery in 2026

Other Options to Consider

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Chase Freedom Flex®

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Chase Freedom Unlimited®

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How to Choose a Credit Card for Food Delivery

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In an age where dinner is just a few taps away, the credit card you use for food delivery services can make a significant difference in your budget and rewards balance.

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It's easy to be tempted by a card offering a high rewards rate on dining, but this can be a classic pitfall. Often, these cards come with steep annual fees that can negate your earnings, or the bonus rewards may only apply to specific delivery services you don't frequently use. Looking at the complete picture—fees, rewards structure, and partner benefits—is key to making a smart choice.

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Key Factors

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• Rewards Rate: Scrutinize the rewards rate for dining and, more specifically, for food delivery services. A card might offer a high percentage back, but it's crucial to confirm which services qualify for the bonus category.
• Annual Fee: Weigh the annual fee against the card’s benefits. A high fee can quickly cancel out your rewards if you don't take full advantage of the card's perks, like statement credits and other benefits.
• Welcome Offer: A strong welcome offer can provide significant upfront value. These bonuses often come as a large sum of points or cash back after you spend a certain amount in the first few months.
• Statement Credits: Look for cards that offer monthly or annual credits for specific food delivery partners like Grubhub, DoorDash, or Uber Eats. These credits can directly reduce your out-of-pocket costs.
• Redemption Value: Understand what your points or miles are worth. The most valuable rewards programs offer flexible redemption options, such as transferring points to airline and hotel partners or cashing them out at a favorable rate.
• Spending Caps: Check for any caps on bonus rewards. Some cards limit the amount of spending that earns the top rewards rate each quarter or year, after which the earning rate drops to a base level.

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What to Watch Out For

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Don't be swayed by a high rewards rate on "dining" without confirming that your favorite food delivery services are included and not subject to low spending caps. Similarly, a large welcome offer can be tempting, but it's crucial to ensure the card's long-term benefits and credits will justify its annual fee year after year.

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Decision Flow

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Choosing the right credit card is less about finding a single "best" card and more about matching a card's strengths to your personal spending habits. Your ideal choice will depend on whether you prioritize maximizing rewards, minimizing fees, or leveraging specific service-related perks.

If you want to maximize rewards on every order, look for a card with a high, uncapped multiplier on dining that explicitly includes food delivery. The American Express® Gold Card is a popular choice, offering significant rewards on dining at restaurants worldwide, including takeout and delivery in the U.S. Just remember that premium rewards often come with an annual fee, so you'll want to ensure your spending justifies the cost. Terms Apply.

If you are loyal to a specific service like Uber Eats, a card with dedicated statement credits can offer direct value. For instance, some premium cards provide monthly credits that can be used for Uber rides or Uber Eats orders in the U.S. The American Express® Gold Card, for example, offers up to $120 in Uber Cash annually ($10 per month) which can be applied to your food delivery orders. Enrollment is required for select American Express benefits and offers. Terms Apply.

If you prefer to avoid annual fees, several no-fee cards still provide solid rewards on dining and food delivery. The Capital One SavorOne Cash Rewards Credit Card, for example, offers cash back on dining, entertainment, and popular streaming services with no annual fee. This approach provides a straightforward way to earn rewards without having to calculate whether your spending will offset a yearly charge.

If you're a frequent traveler who also orders in, a premium travel card can cover both bases. The Chase Sapphire Reserve® card offers elevated rewards on dining, including delivery services, as part of its broader travel benefits. It’s important to note that for this card, points are not earned on travel purchases until after the first $300 is spent annually, as that amount goes toward the card's $300 Annual Travel Credit. This makes it a strong contender if you can leverage its full suite of perks beyond just your delivery habit.

If you're a renter looking for an all-in-one solution, a niche card like the Bilt Mastercard® (See Rates & Fees) could be a fit. It's known for letting you earn points on rent payments without a transaction fee, but it also offers bonus points on dining. To earn any points, you must use the card 5 times each statement period, so your food delivery orders can help you meet that threshold while earning rewards.

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Maximize Your Return with Food Delivery

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To truly get the most value from every meal you order, employ these tips and strategies:

• Stack your rewards: Don't forget to link your credit card to dining rewards programs or the delivery service's own loyalty system to earn rewards from multiple sources on a single order.
• Activate quarterly bonuses: Some cards offer elevated rewards on rotating categories that often include restaurants or food delivery, but you typically have to opt-in each quarter to earn the extra points.
• Take advantage of built-in credits: Many premium travel cards come with annual or monthly statement credits for specific food delivery services, which can completely offset the cost of a meal.
• Choose the right card for the job: Before you check out, double-check that you're using the card that offers the best rewards rate for dining or online food delivery purchases.
• Redeem for maximum value: While convenient, redeeming points directly for a statement credit isn't always the best deal; you can often get significantly more value by transferring them to an airline or hotel partner.

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Supercharge your Rewards with Kudos

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Kudos is a free app that automatically selects your best card at checkout, helping you maximize rewards and unlock hidden card benefits you might not even know you have. Get started for free.

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Other Things to Consider

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Beyond the rewards rates, consider your loyalty to a specific service. If you find yourself ordering exclusively from one platform, a co-branded or store-specific card might offer more tailored and valuable perks. However, it's critical to manage your credit responsibly by paying off your balance in full each month, as high interest charges can quickly negate any rewards you earn. This financial discipline should also extend to how you manage your cash flow and other obligations like Buy Now, Pay Later plans. The best card is ultimately one that complements your spending habits without encouraging you to take on unmanageable debt.

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Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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What counts as a 'food delivery service' for credit card rewards?

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Generally, major third-party platforms like Uber Eats, DoorDash, Grubhub, and Postmates are included. However, it's always best to check your card issuer's terms, as some may exclude smaller local services or have specific merchant category codes they recognize for bonus rewards.

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Are there credit cards that offer specific perks for food delivery beyond bonus points?

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Yes, some premium credit cards provide annual statement credits for services like Uber Eats or Grubhub, which can directly offset your food delivery costs. These perks often require enrollment and are separate from the points or cash back you earn on the purchase itself.

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Do rotating category cards ever include food delivery services?

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They certainly can, though it's not guaranteed for any given quarter. Cards with rotating bonus categories sometimes feature restaurants or specific delivery platforms, allowing you to earn a high rewards rate for a limited time.

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