If you prefer takeout to cooking your own meals, the right credit card can help ensure you earn plenty of points or cash back.
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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.
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|
|UberEATS||Uber Visa Card|
|Grubhub/Seamless||American Express® Gold Card|
|HelloFresh||Blue Cash Preferred® Card from American Express|
|Home Chef||Blue Cash Everyday® Card from American Express|
|Other delivery services||Bank of America® Cash Rewards credit card|
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.
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.