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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 and grocery delivery apps such as DoorDash, GrubHub, Uber Eats and Instacart 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 2021 alone, U.S. food delivery services calculated nearly $22.4 billion in revenue. Many credit card issuers are now leveraging the popularity of these services and partnering with food delivery apps to bring rewards and discounts to their customers.

Maximize your rewards with one of these cards, which could also double as one of the best credit cards for restaurants in your wallet or a top grocery rewards card.

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 hold the Chase Sapphire Reserve or Chase Sapphire Preferred Card, you’re eligible for a complimentary DoorDash DashPass membership for a minimum of 12 months, so long as you activate by Dec. 31, 2024. For context, DashPass includes unlimited DoorDash deliveries with no delivery fee, as well as reduced fees, on DashPass orders over $12. Sapphire Reserve members enrolled in DashPass will also receive $5 per month in DoorDash credit through Dec. 31, 2024.

Chase Freedom Unlimited®, Chase Freedom Flex℠, and Chase Slate Edge℠

Chase Freedom Unlimited, Chase Freedom Flex and Chase Slate Edge℠ cardmembers receive three months of free DashPass membership when they activate by Dec. 31, 2024. After, if you don’t cancel, Freedom and Flex cardmembers are automatically enrolled in the DashPass program at a 50 percent discount 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 Dec. 31, 2024.

Eligible Chase co-branded cards include:

How to activate

To activate your card’s DoorDash offers, simply add your eligible 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, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations (enrollment required). Plus, you’ll earn 4X points on Uber Eats and restaurant purchases, including eligible takeout and delivery.

The Amex Gold not only allows you to pay for food delivery with points (albeit at 0.7-cent or lower value per point) 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 points earned at restaurants and on takeout/delivery. However, the Amex Platinum does offer up to $200 of Uber Cash each year, which can be used toward Uber Eats orders and rides. Terms apply.

Top picks for Instacart

Fans of Instacart grocery pickup and delivery services are in luck. Not only do most card issuers count Instacart orders as grocery purchases (allowing you to earn bonus cash back on Instacart spending as you would at any grocery store), but several Chase cards offer extra perks with Instacart, including up to a year of complimentary Instacart+ membership.

Instacart Mastercard®

The just-launched Instacart Mastercard from Chase is an obvious choice if you use Instacart for most of your grocery and household shopping. The card not only earns 5 percent back on all Instacart app and Instacart.com purchases (as well as in an array of other everyday spending categories), but also comes with a $200 Instacart credit and a free year of Instacart+ membership for the first 10,000 people who get the card by Aug. 4, 2022 (applicants after the first 10,000 will receive a $100 credit with the one-year Instacart+ membership instead). Instacart+, a $99 annual value, comes with several valuable benefits, including free delivery on Instacart orders over $35, reduced fees and an additional 5 percent back on pickup orders on top of the card’s ongoing rewards rate.

Multiple Chase cards

Similar to Chase’s partnership with DoorDash, the issuer has teamed up with Instacart to give select Chase cardholders a complimentary Instacart+ membership. The length of your complimentary membership varies based on which card you have.

Eligible Chase cards include:

  • Chase Sapphire Reserve (12 months)
  • Chase Sapphire Preferred (six months)
  • Chase Freedom Unlimited (three months)
  • Chase Freedom Flex (three months)
  • Chase Freedom® Student (three months)
  • Chase Slate Edge (three months)

How to activate

To activate your complimentary Instacart+ membership with an eligible Chase card, start by signing up for a free Instacart account (you can order for delivery or pickup with or without an Instacart+ membership). Next, add your eligible Chase card to your account and join Instacart+ with that card. The offer will be automatically redeemed and you’ll enjoy three to 12 months of complimentary membership based on which card you hold.

The information about the Marriott Bonvoy Bold® Credit Card, Marriott Bonvoy Boundless® Credit Card, British Airways Visa Signature® Card, Aeroplan® Card, Starbucks® Rewards Visa® Card and Chase Slate has been collected independently by Bankrate.com 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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