Credit Cards to Avoid Delivery Fees: Chase, Prime Visa & More

Credit Card Perks: Your Secret Weapon Against Delivery Fees

We find several ways consumers can avoid delivery fees, and it only takes the right credit card. Even as many know about the cash back benefits offered by top cards, they may not realize some can greatly help when ordering out.

Credit cards can be an extremely useful financial tool when used properly. The trick is to treat it like a debit card, spending only what you can afford and paying the statement balance in full each month to avoid interest.

Top 5 Credit Cards for Delivery Savings

1. Chase Freedom Unlimited

The Chase Freedom Unlimited credit card is ranked as one of the best comprehensive cards. Thanks to a partnership with JPMorgan Chase and DoorDash, new cardmembers get a free six-month DashPass membership. Given that DashPass typically costs $9.99 per month, Freedom Unlimited cardholders save about $60. DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders, totaling about $40 in value, for a total of $100. It similarly earns 3% cash back on dining at restaurants and takeout.

2. Prime Visa

A Prime membership includes a complimentary Grubhub+ membership, typically $9.99 monthly, that doesn’t expire as long as the Prime membership is active. Users can save about $336 a year on delivery fees with one order per month for 12 months, according to Grubhub. Prime Visa doubles these rewards with no annual fee, a $150 Amazon gift card, and 2% cash back at restaurants, including select delivery and takeout platforms. There’s also 5% cash back at Whole Foods and Amazon Fresh.

3. Amex Blue Cash Everyday

The Blue Cash Everyday Card offers up to $15 in monthly statement credits with a Home Chef subscription, totaling $180 yearly. Home Chef sends customers meal kit options weekly. While a great deal for Home Chef users, it won’t qualify for the card’s 3% cash back at US supermarkets, as it’s categorized as “miscellaneous food stores.”

4. Amex Gold Card

The American Express Gold Card offers four times the points at restaurants worldwide, including Uber Eats purchases, up to $50,000 per calendar year. This represents one of the highest earning rates available for any rewards credit card.

5. Citi Custom Cash

The Citi Custom Cash Card earns 5% cash back on purchases in a chosen category, including restaurants, up to $500 per billing cycle, totaling about $25 back per cycle, or $300 annually.

The Future of Delivery and Credit Card Rewards

The trend of utilizing credit card perks to offset delivery costs is likely to continue as food delivery becomes increasingly integrated into daily life. Nearly 4 in 10 Americans get delivery weekly, and this number is expected to grow. Credit card companies will likely respond by introducing even more targeted rewards and partnerships with delivery services.

We may see cards offering tiered rewards based on delivery frequency, or exclusive discounts with specific restaurants. The integration of loyalty programs between credit cards and delivery platforms could also grow more common, allowing customers to earn points or cashback on both their credit card and their delivery service account.

FAQ

• Can I really get free delivery with a credit card? Yes, several cards offer statement credits or membership perks that cover delivery fees.
• What is a good credit score to apply for these cards? Generally, a good to very good credit score (670+) is recommended.
• Do these perks apply to all delivery services? It varies by card. Some are partnered with specific services like DoorDash or Grubhub.

Don’t miss out on potential savings! Explore the credit card options available and choose one that aligns with your dining and delivery habits.