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Your credit card could be earning you food delivery perks

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When you’re tired or the weather is particularly nasty, food delivery apps such as DoorDash, GrubHub or Uber Eats are a fast and convenient way to tame a growling stomach. These apps make it easy to have your favorite food delivered to your door with just the click of a button.

In the last few years, food delivery apps have grown from relative obscurity to an industry completely reshaped by a global pandemic. In 2020 alone, U.S. food delivery services calculated nearly $26.5 billion in revenue.

When you factor in a global pandemic, you have credit card issuers leveraging the popularity of these services and partnering with food delivery apps to bring rewards and discounts to their customers.

American Express led the trend in 2018 when it joined with GrubHub and Seamless, while Chase partnered with DoorDash to offer certain card owners free delivery for a year.

Top picks for DoorDash

Chase has partnered with DoorDash to bring food delivery benefits to a few of its most popular rewards credit cards. Here’s a look at each card’s offerings:

Chase Sapphire Reserve® and Chase Sapphire Preferred® Card

If you own the Chase Sapphire Reserve or Chase Sapphire Preferred Card, you’re eligible for a complimentary DoorDash DashPass for a minimum of one year, so long as you activate by March 31, 2022. For context, DashPass includes unlimited DoorDash deliveries with a $0 delivery fee, as well as reduced fees on DashPass orders over $12.

Chase Freedom Unlimited®, Chase Freedom Flex℠

Chase Freedom Unlimited and Chase Freedom Flex cardmembers receive three months of free DashPass membership when as they activate by December 31, 2023 (expiration date will 12/31/2024). After, if you don’t cancel, Freedom and Flex cardmembers are automatically enrolled in the DashPass program at a 50 percent rate for the remaining nine months of the offer (DashPass is typically $9.99 per month).

Multiple Chase co-branded cards

Chase announced last year that the one-year complimentary DoorDash membership is now available for a number of its co-branded cards. Cardmembers must activate this benefit by March 31, 2022.

Eligible Chase co-branded cards include:

How to activate

To activate your card’s DoorDash offers, simply add your applicable Chase credit card to the DoorDash app and your rewards will be automatically applied to future orders. You can also activate it by visiting the DashPass and Chase co-brands website page.

Top picks for Grubhub/Seamless, Uber Eats

Unlike Chase’s partnership with DoorDash, American Express’s partnership with Grubhub and Seamless doesn’t offer free delivery but it does have its own perks. One benefit of using your American Express credit card on food orders with Grubhub or Seamless is that you can pay for the order with your points. Amex’s partnership with Uber Eats, though, does include free delivery.

American Express® Gold Card

The American Express Gold Card is a great rewards card for foodies and casual takeout lovers alike. Earn up to $120 in dining credits annually (enrollment required) or up to $10 in statement credits on eligible purchases each month from places including Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed and eligible Shake Shack purchases. Earn 4X membership rewards points at Restaurants, plus takeout and delivery in the U.S.

The Amex Gold not only allows you to pay for food delivery with points but also offers card owners the ability to earn up to $120 Uber Cash for both Uber Eats orders and Uber rides in the U.S. (up to $10 in monthly credits, expiring at the end of the month).

How to activate

To use your American Express points to pay for food on Grubhub or Seamless, add your American Express card to your platform of choice. Your points should automatically show up at checkout and you can choose the dollar amount you would like to spend using your points. For further instructions and exclusions, refer to Amex’s Grubhub FAQs page.

To take advantage of the Amex Gold’s Uber-related perks, simply add the card to your Uber account.

Alternative Uber Eats option

The Platinum Card® from American Express is arguably not as appealing for foodies who lean towards the Amex Gold Card for its lavish 4X membership rewards points earned at restaurants and on takeout/delivery. However, the Amex Platinum does offer a $200 yearly Uber credit, which can be used toward Uber Eats orders and rides. Terms apply.

The information about the Marriott Bonvoy Bold® Credit Card, Marriott Bonvoy Boundless® Credit Card, and Chase Slate has been collected independently by and has not been reviewed or provided by the card issuer.

Written by
Meredith Hoffman
Credit Cards Reporter
Meredith Hoffman is a personal finance writer covering credit card news and advice at Bankrate. She is originally from Columbia, S.C., and received her bachelor's degree from the Univ. of North Carolina at Wilmington. Before joining Bankrate in October 2019, Meredith worked as the news editor of Wilmington’s local newspaper, The Seahawk.
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