5 Of The Best Cards For Dining, Takeout & Delivery Services


Some links to products and travel providers on this website will earn Traveling For Miles a commission that helps contribute to the running of the site. Traveling For Miles has partnered with CardRatings for our coverage of credit card products. Traveling For Miles and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities. For more details please see the disclosures found at the bottom of every page.


A growing number of people are finding that their spending on eating out, takeouts, and food delivery services (like GrubHub and DoorDash) is increasing year-on-year, so it’s more important than ever to make sure that you’re using the right credit card when it comes time to pay.

A wide variety of cards offer bonuses or cash back for spending on dining, takeouts, and food delivery services, so I’ve pulled together a selection of five cards that I think offer some of the best returns available on dining expenditure. With no-annual-fee cards sharing this list with ultra-Premium cards, there should be a card that fits most people’s wallets in this selection.

The Cards

Click the links to advance to the card of your choice


The Chase Freedom Flex Credit Card

Annual Fee: $0 (zero)

Welcome Offer: New cardholders will earn $200 (or 20,000 Ultimate Rewards Points) after they spend $500 on the Freedom Flex credit card in the first 3 months of opening their new account (more info)

Earnings:

  • 5% cash back (or 5 points/dollar) on up to $1,500 of spending in quarterly revolving categories.
  • 5% cash back (or 5 points/dollar) on travel purchased through Chase’s travel portal.
  • 3% cash back (or 3 points/dollar) on dining (includes take-out and delivery)
  • 3% cash back (or 3 points/dollar) on spending at drugstores

The Chase Freedom Flex card earns 1% cash back (or 1 point/dollar) on spending in all other categories.

Why It’s Great For Dining, Takeout & Food Delivery Services

The 3% cash back that the Chase Freedom Flex card earns on dining is a great return to be given by a no-annual-fee credit card, but for holders of one of the Chase Sapphire cards or the Chase Ink Preferred Card (review), it gets better.

If you hold one of the cards mentioned above, the cash back that the Freedom Flex credit card offers can be taken in the form of Ultimate Rewards Points which, in turn, can be transferred to a variety of airline and hotel loyalty programs where they can be used to extract considerably more value than the basic cash back that the card offers.

I value Ultimate Rewards Points at 1.5 cents each (based on the value I know I can easily get out of each point) and that means that, effectively, holders of the Chase Freedom Flex credit card can earn a rebate of 4.5% on dining and takeout spending…and that’s from a card that costs nothing to hold.

Good To Know

The Chase Freedom Flex credit card may be a no-annual-fee card but it comes with a surprising number of fantastic benefits.

Because the card is a ‘World Elite Mastercard’ it offers, among other things, Cell phone protection of up to $800 per claim and $1,000 per year (max 2 claims per year), monthly $10 Lyft credits after 5 rides are taken, $5 off movie tickets with Fandango for every 2 movie tickets purchased, trip cancellation/interruption insurance, 120-day purchase protection and extended warranty protection.

Find out more about the Chase freedom Flex credit card


The American Express Gold Card

Annual Fee: $250

Welcome Offer: Earn 60,000 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 $900.

Note: The terms and conditions of this offer state that the welcome bonus is not available to applicants who hold or have previously held this card or the Premier Rewards Gold Card. 

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 spending in all other categories

*Any spending made above the $25,000 cap will only earn 1 point/dollar

Why It’s Great For Dining, Takeout & Food Delivery Services

With earnings as high as 4 points/dollar, the Amex Gold Card offers one of the best returns on dining/takeout/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 eat out or order takeout.

The Amex Gold Card offers a $10/month statement credit for spending at participating Shake Shack locations, at the Cheesecake Factory, at Ruth’s Chris Steakhouse locations, and on spending through Grubhub/Seamless.

Good To Know

The Amex Gold Card offers a $100 airline fee rebate every year (ends in 2021), it will introduce a $10/month Uber Cash Credit in 2021, and it 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 Altitude GO Card

Annual Fee: $0 (zero)

Welcome Offer: Earn 20,000 bonus points after you spend $1,000 in eligible purchases in the 90 days immediately following account opening (more info)

Points earned by the US Bank Altitude GO card are worth $0.01 each when used with Real-Time Mobile Rewards to offset qualifying purchases so that makes the welcome offer worth $200.

Earnings:

  • 4 points/dollar on dining, takeout, and food delivery
  • 2 points/dollar on spending at grocery stores
  • 2 points/dollar on spending at gas stations
  • 2 points/dollar on streaming services
  • 1 point/dollar on spending in all other categories

Why It’s Great For Dining, Takeout & Food Delivery Services

As the point earned by the US Bank Altitude GO card are worth $0.01 each when used with Real-Time Mobile Rewards to offset qualifying purchases, the 4 points/dollar that the card earns for spending on eating out, takeout, and food delivery equates to a 4% rebate. That’s an excellent rate of return from a card that doesn’t charge an annual fee – all earnings are pure savings.

Good To Know

There’s no limit to the number of points that can be earned and the US Bank Altitude GO card offers cardholders an annual $15 credit to be used on streaming service purchases.

Find out more about the US Bank Altitude GO card


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 spending in all other categories

Also, through 30 April 2021, the Chase Sapphire Reserve Card earns 3 points/dollar on up to $1,000 of spending per month at grocery stores worldwide

Why It’s Great For Dining, Takeout & 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 dining, takeout, and food delivery spending.

The Chase Sapphire Reserve Card offers DoorDash DashPlus membership (worth $9.99/month) as one of its benefits. When spending a minimum of $12, DashPass members do not pay a delivery fee at thousands of restaurants around the country and they get reduced service fees too. Savings are estimated to be in the region of $4 – $5 per order. In addition, cardholders are given $60 in DoorDash statement credits in 2021 – that’s $60 of free food!

Good To Know

The Chase Sapphire Reserve card offers a $300 rebate on all travel spending every year which effectively reduces the annual fee to just $150, the Ultimate Rewards points that it earns can be transferred to numerous airline and hotel loyalty programs, cardholders receive complimentary Priority Pass membership, a minimum of 1 year’s membership of the Lyft Pink program worth $199, and are given some of the best trip delay/cancellation/interruption protections offered by any card.

Find out more about the Chase Sapphire Reserve 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 and that 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 for spending in all other categories

Why It’s Great For Dining, Takeout & Food Delivery Services

5 points/dollar is the best return on dining, takeout, and 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 eat out or order takeout.

The Citi Prestige Card offers an annual $250 travel fee rebate but through December 2021 this rebate can also be used to offset spending on eating out and takeouts as well as spending at grocery stores.

Good To Know

Citi ThankYou points can be transferred to numerous airline and hotel loyalty programs, Citi Prestige cardholders receive complimentary Priority Pass membership and cardholders can avail themselves of a complimentary 4th night free (twice a year) when booking hotels through the ThankYou.com portal.


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 that 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 come with no annual fees, good returns, and straight-up cashback which makes them very simple and economical to use.

Which is your favorite?

LEAVE A REPLY

Please enter your comment!
Please enter your name here