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Grocery delivery and snack services have become increasingly popular in recent years. You may be wondering which grocery delivery and takeaway credit cards are best to maximize your credit card rewards. If you don’t have any of these credit cards, don’t worry – the difference in point value between the BEST card and another card is usually less than a dollar. So if you don’t have any of these cards, just using one card that offers good rewards on all purchases can make you feel good.
Best credit cards for grocery delivery / takeaway
Generally, food delivery and takeaway are classified and given the same bonuses as restaurant food. So it is good to look at credit cards that get bonuses for eating. Additionally, some credit cards specifically mention grocery delivery and takeaway as a bonus category. There are also credit cards that provide monthly bonuses for using certain grocery shipping or take-out companies. Here is a list of the best takeaway and food delivery credit cards.
Chase Sapphire Reserve / Preferred
Chase’s two Sapphire cards offer attractive welcome offers as well as bonuses and credits for grocery delivery. The Sapphire Preferred receives 2 Ultimate Rewards per dollar for all restaurants, while the Sapphire Reserve receives three points per dollar. Both also offer a free DoorDash DashPass subscription, which gives you $ 0 in shipping costs when you order through DoorDash. The Sapphire Reserve also grants DoorDash credits up to $ 60 through 2021. The Chase Sapphire Preferred has an annual fee of $ 95 and the Sapphire Reserve has an annual fee of $ 550.
American Express® Gold Card / The Platinum Card®
Similar to Chase’s Sapphire credit cards, both the American Express Gold and American Express Platinum cards offer specific benefits for grocery suppliers in addition to their earning potential. Both the Gold and Platinum cards currently offer 12 months of free access to the Uber Eats Pass. After your 12 month free Uber Eats Pass expires, your card will be billed monthly. The Gold Card also gives you 4X Membership Rewards® points for restaurants around the world, including takeaway and delivery, and 4X points for Uber Eats purchases.
One advantage of the American Express Gold and Platinum cards is the current monthly credit for various take-out and delivery services. The Gold Card gives you up to $ 10 a month in statement credit 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 saving of up to $ 120. Registration required. The Platinum Card gives you Uber VIP status and savings of up to $ 200 on trips or orders in the US per year. Uber Cash and Uber VIP status are only available to Basic Card members and additional Centurion cards. These credits can be great benefits if you can take advantage of them. However, these cards also come with relatively high annual fees – $ 250 for the Gold Card and $ 550 for the Platinum Card. Conditions apply.
Capital One Savor Cash
The Capital One Savor Cash has an annual fee of $ 95 as well as an attractive initial bonus offer. The Savor Cash card offers 4% cashback on dining and entertainment, including most delivery and take-out services. While the Savor Cash card is unable to earn bank statement credits or discounts on delivery or take away, the 4% cashback on food is hard to beat.
Bank of America® Customized Cash Rewards Credit Card
Our last card on the list is the only one that doesn’t charge an annual fee. The Bank of America® Customized Cash Rewards balance The card offers 3% cashback in a category that you can change every month. One of the eligible categories is food, which means you can earn up to 3% cashback on eating out. Bank of America Preferred Rewards members can earn a 75% bonus on their rewards, which means you have the potential to make up to 5.25% eating out every month. Remember, if you choose food as the 3% category, you will receive 1% cashback on all other categories.
The bottom line
Choosing the best credit card for grocery delivery and takeaway depends on a number of factors. Mint can help you determine how much you are spending on food, takeaway, and delivery each month. This will help you decide whether it makes sense to get a credit card that offers bonuses for eating. Otherwise, you can only get one card at a time, which will earn you a good amount on all purchases. What you forego some rewards while eating can pay off if you simply keep an eye on your finances.
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Dan Miller (56 posts)
Dan Miller is a freelance writer and founder of PointsWithACrew.com, a website that helps families travel for free / cheaply. His home base is Cincinnati, but he tries to travel the world as much as possible with his wife and 6 children.