5 Of The Best Credit Cards To Use For Takeaway & Food Delivery Services


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With a significant percentage of the population living in towns, cities, and states where the authorities are currently asking residents to refrain from going out more than they have to, a lot of people are spending more than normal on takeaways and food delivery services as they confine themselves to their homes…but that doesn’t mean that you can’t still rake in the earnings.

Eating out may not be a great idea right now but credit cards that earn great bonuses on dining out will also (mostly) earn the same great bonuses when they’re used to order food from your favorite takeaway or when used to order food from one of the many food delivery services like Uber Eats and DoorDash so here are 5 of the best credit cards to use if you’re ordering in.

The Chase Sapphire Reserve Card

Annual Fee:

  • $550

Welcome Offer:

  • Earn 50,000 Chase Ultimate Rewards Points after you spend $4,000 in the three months immediately following account opening (more info)

Ultimate Rewards Points can be redeemed for travel through the Chase travel portal at a value of 1.5 cents/point which makes the welcome offer worth $750.

Earnings:

  • 3 points/dollar on dining worldwide
  • 3 points/dollar on all travel spending worldwide
  • 10 points/dollar on all Lyft rides through March 2022
  • 1 point/dollar on all other spending

Why It’s Great For Takeaway & Food Delivery Services:

  • As Chase Ultimate Rewards points are easily redeemable for 1.5 cents each, the 3 points/dollar that the Chase Sapphire Reserve card earns on dining will see a cardholder effectively earn a 4.5% rebate on all takeaway/food delivery spending.
  • The Chase Sapphire Reserve Card offers DoorDash DashPlus membership (worth $9.99/month) as one of its benefits. DashPass members do not pay a delivery fee at thousands of restaurants around the country when spending a minimum of $12 and members get reduced service fees too. Savings are estimated to be in the region of $4 – $5 per order.
  • Cardholders are given up to $120 DoorDash statement credits – $60 in 2020 and $60 in 2021 – that’s $60 of free food per year!

Good To Know:

  • The card offers a $300 rebate on all travel spending every year
  • Chase Ultimate Rewards points can be transferred to numerous airline and hotel loyalty programs.
  • Chase Sapphire Reserve cardholders receive complimentary Priority Pass membership and a minimum of 1 year’s membership of the Lyft Pink program worth $199.
  • The Chase Sapphire Reserve card offers cardholders some of the best trip delay/cancellation/interruption protections out of any credit card.

Find out more about the Chase Sapphire Reserve Card


The American Express Gold Card

Annual Fee:

  • $250

Welcome Offer:

  • Earn 35,000 Amex Membership Rewards Points after you spend $4,000 in the three months immediately following account opening (more info)

Based on the rate at which I can easily redeem Amex Membership Rewards points, I value them at 1.5 cents each which makes the welcome offer worth $525.

Earnings:

  • 4 points/dollar on dining worldwide
  • 4 points/dollar at U.S Supermarkets (upon to $25,000 of spending/year)
  • 3 points/dollar on spending made directly with airlines or through Amex travel
  • 1 point/dollar on all other spending

Why It’s Great For Takeaway & Food Delivery Services:

  • 4 points/dollar is one of the best returns on dining/takeaway/food delivery services that you’ll find and, based on my valuation of 1.5 cents/point, this sees cardholders earn an effective rebate of 6% each time they use the card to order in.
  • The American Express Gold card offers a $10/month statement credit for spending at participating Shake Shack locations, the Cheesecake Factory, Ruth’s Chris Steakhouse and on spending through Grubhub/Seamless.

Good To Know:

  • The card offers a $100 airline fee rebate every year
  • The Amex Gold Card gives cardholders a $75 hotel credit on qualifying charges as well as a room upgrade upon check-in (when available) when they book a stay of at least two consecutive nights at a hotel in Amex’s Hotel Collection.

Find out more about the American Express Gold Card


US Bank Cash+ Visa Signature Card

Annual Fee:

  • $0 (zero)

Welcome Offer:

  • Earn a $150 bonus after you spend $500 in eligible purchases in the three months immediately following account opening (more info)

Earnings:

  • 5% cashback on the first $2,000 spent (in combined spending) per quarter in two categories of the cardholder’s choice
  • 2% cashback on the cardholder’s choice of one everyday category, like gas stations or grocery stores.
  • 1% cashback on all other spending

Why It’s Great For Takeaway & Food Delivery Services:

  • The card comes with no annual fee so all cashback earnings are pure savings.
  • Assuming a cardholder selects “dining” as one of their 5% quarterly categories, it’s possible to earn $100/quarter in rebates from all takeaway/food delivery spending.

Good To Know:

  • There’s no limit to the cashback that can be earned (except for cashback earned in the 5% quarterly categories)
  • The US Bank Cash+ Visa card is currently offering an introductory rate of 0% APR on balance transfers (for 12 billing cycles)

Find out more about the US Bank Cash+ Visa Signature Card


The Citi Prestige Card

Annual Fee:

  • $495

Welcome Offer:

  • Earn 50,000 Citi ThankYou Points after you spend $4,000 in the three months immediately following account opening

Based on the rate at which I can easily redeem ThankYou points, I value them at 1.5 cents each which makes the welcome offer worth $750.

Earnings:

  • 5x ThankYou points on dining worldwide
  • 5x ThankYou points on air travel booked directly with an airline
  • 3x ThankYou points for spending with cruise lines
  • 3x ThankYou points for spending on hotels
  • 1x ThankYou points on all other purchases

Why It’s Great For Takeaway & Food Delivery Services:

  • 5 points/dollar is the best return on dining/takeaway/food delivery services that you’ll find and, based on my valuation of 1.5 cents/point, this sees cardholders earn an effective rebate of 7.5% each time they use the card to order takeaway or, when times are better, when dining out.

Good To Know:

  • The card offers a $250/year travel fee rebate.
  • Citi ThankYou points can be transferred to numerous airline and hotel loyalty programs.
  • Citi Prestige cardholders receive complimentary Priority Pass membership which, like the membership that comes with the Chase Sapphire Reserve card, also includes access to restaurants participating in the Priority Pass program.
  • Cardholders can avail themselves of a complimentary 4th night free (twice a year) when booking through the ThankYou.com portal.

Savor® Rewards from Capital One®

Annual Fee:

  • $0 for the first year, $95 after that

Welcome Offer:

  • Earn a $300 bonus after you spend $3,000 in eligible purchases in the three months immediately following account opening (more details)

Earnings:

  • 4% cashback on all dining
  • 4% cashback on all entertainment
  • 2% cashback at grocery stores
  • 1% cashback on all other spending

Why It’s Great For Takeaway & Food Delivery Services:

  • 4% cashback is the best cashback rate currently available for spending on dining, takeaways and food delivery services.
  • There’s no unique currency to deal with as you earn straight cashback for all spending

Good To Know:

  • The card does not charge foreign transaction fees
  • There is a similar Captial One card which changes no-annual-fee and which earns 3% cashback on dining (Capital One SavorOne Card)

Bottom Line

When putting together a list of “best” cards it’s important to include a variety of options for people to choose from…and I think this list manages that. Some of the cards come with high annual fees but also offer very good earning rates, valuable loyalty currencies and a whole host of additional benefits and rebates to help offset those fees, while the other cards offer low (or nonexistent) annual fees and straight-up cashback which makes them very simple to use.

Which is your favorite?

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