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Best credit cards for grocery delivery

Nowadays, ordering is just as much a part of everyday life as eating out used to be. Fortunately, many of the best credit cards for groceries and eat Also offer rewards, benefits, and discounts that allow you to have groceries delivered right to your doorstep.

Here are the best credit cards for grocery delivery, including a breakdown of which cards are best suited for the delivery service of your choice.

Top choice for DoorDash

Chase Sapphire Reserve®

NerdWallet review

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Key Food Delivery Rewards and Perks:

  • 3 points for every $ 1 spent in restaurants, including eligible delivery, take-out, and dining.

  • $ 60 Credit for DoorDash in 2021 (note the same discount was offered in 2020).

  • Free DashPass subscription for at least one year. (Must be activated by December 31, 2021.)

In addition to the 3x cashback of the card for restaurants, including delivery service, cardholders receive a DoorDash credit of 60 USD for 2021. Until December 31, 2021 you can also get a free membership in the DoorDash subscription delivery service DashPass for up to 20% received two years after activation. This DashPass subscription, which typically costs $ 9.99 per month, includes a $ 0 delivery fee and reduced service fees for orders over $ 12.

Other contenders

Several other cards issued by Chase, including the $ 95-annual fee Chase Sapphire Preferred® cardalso offer free DashPass subscriptions – although the subscription duration varies depending on the card. (Offers must be activated by December 31, 2021.)

First choice for Grubhub and Seamless

American Express® Gold Card

American Express Premier Rewards Gold credit cardNerdWallet review

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Key Food Delivery Rewards and Perks:

  • 4 Membership Rewards® points for every $ 1 spent in restaurants worldwide, including take-out, delivery and Uber Eats purchases.

  • $ 120 Food Credit: Earn up to $ 10 statement credit per month when you pay with the Gold Card at Grubhub, Seamless, the Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. (Registration required.)

The card is the ideal choice for Grubhub and Seamless loyalists. It offers $ 10 monthly statement credit, up to $ 120 per year when you use the card on either of two grocery delivery services. And 4 times the card earnings rate on food means you’ll get increased rewards on your deliveries too. Conditions apply.

In addition, cardholders can earn 4 points for every USD 1 spent on purchases at Uber Eats, which also makes the card a great choice for ordering from the delivery service (more on this below). Conditions apply.

First choice for Uber Eats

Via credit card

Key Food Delivery Rewards and Perks:

  • 5% back in Uber Cash on Uber Eats spending.

  • 3% back in Uber Cash on eligible restaurants, hotels and airfares.

  • 1% back in Uber Cash on all other expenses.

The Uber credit card is temporarily blocked for new applicants. However, existing cardholders can still take advantage of the unlimited 5% on spending through Uber Eats. And to sweeten the deal for big Uber lenders, Uber Cash earned in the 3% and 1% card cashback categories can also be used for Uber Eats purchases.

Other contenders

As an alternative, consider the American Express® Gold Card. As mentioned above, the card earns 4 points per $ 1 for purchases on Uber Eats. In addition, cardholders can automatically earn $ 10 monthly Uber Cash, up to $ 120 per year when they link their Gold Card to their Uber account. Note that this offer is only valid for US Uber Eats orders and rides. The conditions apply (see Prices and Fees).

Likewise the The American Express Platinum Card® offers $ 200 annual Uber balance – $ 15 per month and $ 35 in December – that can be used for purchases at Uber Eats. Note that this offer is only valid for US Uber Eats orders and rides. The conditions apply (see Prices and Fees).

First choice for Amazon’s grocery delivery services

Visa signature card for Amazon Prime Rewards

Visa signature card for Amazon Prime RewardsNerdWallet review

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Annual fee: $ 0. (However, you must be an Amazon Prime member to receive this card, which requires an annual fee.)

Key Food Delivery Rewards and Perks:

  • 5% back on Amazon.com and the Whole Foods Market, including deliveries through amazon.com and various other Amazon food delivery services.

  • 2% back in restaurants, including takeaway and delivery.

If you do the bulk of your shopping on amazon.com or Wholefoodsmarket.com, this is the Visa signature card for Amazon Prime Rewards is the clear choice to reward your spending. The card’s highest rate of 5% return applies to grocery deliveries through Amazon.com and many of its delivery subgroups, including Amazon Fresh, Prime Now, and Prime Pantry. This price also applies to orders placed through Wholefoodsmarket.com.

First choice for Instacart

American Express Blue Cash Preferred® card

American Express Blue Cash Preferred Credit CardNerdWallet review

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Annual fee: $ 0 intro for the first year, then $ 95. The conditions apply (see Prices and Fees).

Key Food Delivery Rewards and Perks: 6% cashback on up to $ 6,000 per year spent in U.S. supermarkets including third-party Instacart and Peapod orders (then 1% back). Conditions apply.

Orders placed via the Instacart grocery delivery service receive the card’s unbeatable 6% cashback rate. There are other Amex cards like that $ 0-annual fee Blue Cash Everyday® card from American ExpressWith food rewards that apply to Instacart, no one deserves prices as competitive as that American Express Blue Cash Preferred® card. Conditions apply.

Other contenders

Until September 30, 2021, U.S.-issued Mastercard holders can receive two free months of Instacart Express membership. This subscription, which typically costs $ 99 per year, includes reduced service fees and $ 0 shipping costs for orders of $ 35 or more. You must use your Mastercard to sign up for an express subscription and activate the offer.

First choice for meal sets

Bank of America® Cash Rewards credit card

Bank of America® Cash Rewards credit cardNerdWallet review

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Key Food Delivery Rewards and Perks:

  • 3% back in a category of your choice (from a list of six including restaurants and online shopping) and 2% back in grocery stores and wholesale clubs for the first $ 2,500 of combined bonus spend per quarter (then 1% back).

  • For the restaurants category, the rate of 3% applies to purchases made directly in restaurants as well as purchases via third-party delivery services. For the online shopping category, the 3% rate applies to all online grocery delivery transactions.

  • The 2% refund of the card in grocery stores and wholesale clubs applies to online food orders through delivery services.

Meal sets like Blue Apron, Home Chef and HelloFresh are mainly sold online. To this end, the owners of the Bank of America® Cash Rewards credit card Anyone who selects online shopping as a rotating bonus category can earn 3% cashback for online purchases of meal sets.

However, the issuer notes that if a different rotating bonus category (gas, home improvement, etc.) is selected for an online meal set transaction, the card’s online purchase price rate of 3% is out of the question.

Other contenders

Some meal sets, such as B. Home Chef, are sold in select physical grocery stores. This means when you have a card that offers increased rewards for groceries and grocery deliveries like that American Express Blue Cash Preferred® card or the American Express® Gold Cardyou can earn rewards for food set transactions made in grocery stores.

First choice for general food delivery

US Bank Altitude® Go Visa Signature® card

US Bank Altitude® Go Visa Signature® cardNerdWallet review

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Key Food Delivery Rewards and Perks:

  • 4 points for every $ 1 spent on food, including takeaway and delivery.

  • 2 points for every $ 1 spent in grocery stores, including grocery delivery.

If you’re not loyal to any grocery delivery service, this is it US Bank Altitude® Go Visa Signature® card is the winner when it comes to robust food delivery rewards across the board. 4x the price applies to all major third-party food delivery services including DoorDash, Uber Eats, Grubhub, and Seamless. And for purchases through grocery delivery services, cardholders also receive twice the price of the card. All for an annual fee of $ 0.

While there are other great credit cards out there that receive higher rewards on both restaurant and grocery delivery, they usually come with a high annual cost and their rewards are often limited.

Alternative options

Prices and fees of the American Express Blue Cash Preferred® card, see this page. Prices and fees of the Blue Cash Everyday® card from American Express, see this page. Prices and fees of the American Express® Gold Card, see this page.

The information related to Visa signature card for Amazon Prime Rewards was collected by NerdWallet and has not been verified or provided by the issuer of this card.

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