Best cards for food delivery and meal kit subscriptions

Credit cards for foodies are the latest trend, with more and more rewards programs and additional card benefits catering to both dining in and eating out. Restaurant and grocery bonus categories are becoming commonplace – letting cardholders rack up a few extra points or cash back on those purchases.

But what about those who prefer to order delivery? If you like to take advantage of popular food delivery services like Postmates or UberEATS or simplify cooking with a meal kit subscription, there are plenty of credit card rewards and benefits you can leverage to save a little money.

Finding the best card for your favorite services

Finding the best card for your favorite food delivery or meal kit service depends on a variety of factors, including the card’s yearly credits, special perks or rewards rate. For example, many dining cards offer bonuses that are tailored to a specific delivery service, like a Postmates Unlimited subscription or monthly Uber credit.

See Related: Indulging in food delivery without the debt

For meal kit services, matching rewards is a little more complicated. You could opt for a rewarding grocery card, as many meal kit brands are now partnered with major supermarkets – so you can buy them in the store.

Alternatively, a card that earns rewards on dining or online shopping can help you get rewards on both food delivery and meal kits. Earning dining rewards can be complicated, as not all delivery services have a merchant category code that qualifies for a point or cash back bonus. You can test it by making a small charge to your card and seeing what rewards you earn.

Online shopping rewards, on the other hand, are much more flexible. They apply to both web and app purchases, so whether your order from your phone or computer, you can rack up bonus points or cash back.

See Related: Make the most of an online shopping bonus category

Best cards by delivery service or meal kit subscription

With all this in mind, here our some of our favorite cards for some of the most popular food delivery and meal kit subscription services.

Delivery service	Card	Rewards rate	Why we like it
Postmates	Capital One® Savor® Cash Rewards Credit Card	4% cash back on dining and entertainment purchases 2% cash back at grocery stores 1% cash back on all other purchases	Generous rate on dining purchase Receive a monthly statement credit for a Postmates Unlimited monthly membership to reduce delivery fees (offer ends Dec. 2019)
UberEATS	Uber Visa Card	4 points per dollar on restaurants, takeout and bars (including UberEATS) 3 points per dollar on airfare, hotels and vacation home rentals 2 points per dollar on online purchases (including Uber rides) online shopping, and music streaming 1 point per dollar on other purchases	Generous rate on UberEATS and online shopping purchases Redeem rewards for Uber cash to use toward rides or UberEATS
Grubhub/Seamless	American Express® Gold Card	4 points per dollar at restaurants worldwide 4 points per dollar at U.S. supermarkets (on up to $25,000 in purchases per year, then 1 point) 3 points per dollar on flights booked directly with airlines or amextravel.com 1 point per dollar on other purchases Terms apply	Enroll to receive up to $10 in statement credits per month (up to $120 per year) to use at participating restaurants, including Grubhub/Seamless
HelloFresh	Blue Cash Preferred® Card from American Express	6% cash back at U.S. supermarkets (up to $6,000 in purchases per year, then 1%) 6% cash back on select U.S. streaming subscriptions 3% cash back at U.S. gas stations and on transit purchases 1% cash back on general purchases Terms apply	Generous rate on U.S. supermarket purchases (HelloFresh meal kits are sold in supermarkets such as H-E-B and Giant Food)
Home Chef	Blue Cash Everyday® Card from American Express	3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) 2% cash back at U.S. gas stations and select U.S. department stores 1% cash back general purchases Terms apply	Generous rate on U.S. supermarket purchases (Home Chef meal kits are sold in select Kroger locations)
Other delivery services	Bank of America® Cash Rewards credit card	3% cash back on a category of choice (gas, online shopping, dining, travel, drug stores or home improvements and furnishings) 2% cash back at grocery stores and wholesale clubs $2,500 combined limit on 2% and 3% categories each quarter 1% cash back on other purchases	Generous rate on online shopping purchases (if you select it as your 3% category) and good rate at grocery stores

If you don’t have a delivery service you prefer – or if you like to switch back and forth based on restaurant availability – a card with rewards on online shopping is your best bet.

Bottom line

Ordering food can be expensive, but using the right rewards card can help you alleviate some of that cost by racking up points or cash back. With some cards, you might even get a few extras that cover your next couple meals.