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Are you like most people and have been rearranging your eating habits? Some rewards credit cards cater to eating at home. Whether you prepare meals from scratch or rely on food delivery, there are plenty of ways to earn bonus points without going to restaurants or leaving the house. What are the best credit cards to use for food deliveries to your home?

The American Express Gold Card is a great option for eating at home, thanks to several restaurant perks and credits. Credit: American Express

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

The Best Credit Cards For Eating At Home & Food Deliveries

It’s possible to earn cash rewards and travel rewards when buying groceries, using meal kits, or ordering take-out. You can even get a discount on specific orders with some cards.

Even if you don’t like cooking from scratch, you can buy meal kits at many supermarkets. Using a grocery rewards credit card lets you earn bonus points on these purchases. Here are some of the best credit cards to use when eating at home.

American Express Gold Card – 4x Points, Uber Eats Perks

The American Express® Gold Card earns up to 4x Membership Rewards on purchases:

  • 4x points at U.S. supermarkets (up to $25,000 per calendar year, then 1x)
  • 4x points on dining at restaurants, including takeout and deliveries
  • 3x points on flights booked directly with the airline or on AmexTravel.com
  • 1x points for everything else
  • Terms apply

You get a $120 dining credit ($10 per month) at Grubhub, Seamless, Boxed, The Cheesecake Factory, Ruth’s Chris Steak House, and Shake Shack. Enrollment is required, though.

Uber Perks

American Express® Gold Card cardholders can also get up to $120 in Uber Cash annually, perfect for eating at home. Plus, you’ll earn 4x Membership Rewards® points for each Uber Eats purchase on your card. To use this perk, add your card to your Uber account, and you’ll automatically get $10 in Uber Cash each month in your Uber account for U.S. Uber Eats orders, or U.S. Uber rides. Any unused Uber Cash expires at the end of each month (it does not roll over to the next month).

Cardholders also get up to 12 complimentary months of Eats Pass when you subscribe with your American Express Gold Card. That’s a value of up to $119 annually (based on the $9.99 monthly price over 12 months). With the Uber Eats Pass, you can get unlimited $0 Delivery Fees and 5% off orders over $15 at eligible restaurants. Note that taxes and service fees may apply and do not count toward the order minimum.

This benefit applies only in the U.S. on U.S. orders at eligible restaurants and eligible restaurant purchases.

Enrollment is required by 12/31/2021. After that, the Uber Eats Pass will begin auto-billing 12 months after your registration in this offer, at the then-current monthly price. Learn more about the Uber Eats partnership for more information.

The annual fee is $250, and there are no foreign transaction fees (See Rates & Fees).

New American Express® Gold Card cardholders can earn 60,000 Membership Rewards points after spending $4,000 on eligible purchases within the first 6 months. Also, Rose Gold is back! Cardholders can choose between Gold or Rose Gold. Terms apply.

Learn more: Johnny Jet Recommended Credit Cards

Chase Sapphire Preferred – 2x on Food Deliveries

The Chase Sapphire Preferred® Card is one of the best travel credit cards. It can also be one of your best cards for restaurant deliveries. All travel and dining purchases earn 2x Ultimate Rewards points per $1. Lyft rides earn 5x points per $1.

You get one year of free DoorDash DashPass when you opt-in before December 31, 2021. DashPass waives the delivery fee on all orders of at least $12. If your favorite restaurants partner with DoorDash, this can be an easy way to save time and money.

Your points are worth 1.25 cents each when booking award travel on the Chase travel portal. You can also transfer them at a 1:1 ratio to partners including United Airlines, Southwest Airlines, and World of Hyatt.

Additionally, cardholders can earn up to $60 in statement credits on Peloton Digital and All-Access Memberships through December 31, 2021. Points are worth 25% more now through Sept. 30, 2021, when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature. Points are also worth 25% more when redeemed through the new Chase Dining hub in Ultimate Rewards, now through Sept. 30, 2021.

New Chase Sapphire Preferred® Card cardholders can earn 100,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, worth $1250 when redeemed through Chase Ultimate Rewards®. This is the highest bonus offer ever for the Chase Sapphire Preferred!

The annual fee is $95.

Related: Chase Sapphire Preferred Review

Chase Sapphire Reserve – 3x Points, DoorDash Perks

Do you want a premium travel credit card? The Chase Sapphire Reserve® also offers one year of free DoorDash DashPass. Plus, cardholders receive a statement credit for the first $60 in DoorDash purchase in 2020 and another $60 credit in 2021.

Cardholders also earn unlimited 3x points on dining worldwide, including eligible delivery services. They also earn unlimited 3x points on dining immediately after earning their annual $300 travel credit. Gas station and grocery store purchases will also count towards earning the annual $300 travel credit through Dec. 31, 2021. All of these perks can really help save money and earn rewards when eating at home. 

Cardholders can also earn up to $120 in statement credits on Peloton Digital and All-Access Memberships through December 31, 2021.

Sapphire Reserve cardholders earn 10x points on Lyft rides, including bikes and scooters. Complimentary Lyft Pink Membership is also available when activated by March 21, 2022. Points are worth 50% more through Sept. 30, 2021, when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature. Points are also worth 50% more when redeemed through the Chase Dining hub in Ultimate Rewards, now through Sept. 30, 2021.

This card also boasts these premium travel benefits:

  • Priority Pass Select lounge membership
  • Global Entry or TSA PreCheck application fee credit
  • Points are worth 50% when booking travel
  • 1:1 point transfers to airlines and hotels

New Chase Sapphire Reserve® cardmembers can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, worth $900 toward travel when redeemed through Chase Ultimate Rewards®. 

The annual fee is $550 (but can be easily offset when using this card’s perks) plus $75 per authorized user.

Related: Chase Sapphire Reserve Review

The Blue Cash Preferred Card from American Express – Up to 6% Back

The Blue Cash Preferred® Card from American Express rewards you when you have dinner and a movie at home. You earn up to 6% back on purchases:

  • 6% back at U.S. supermarkets (on the first $6,000 per year then 1% back)
  • 3% back on U.S. streaming services
  • 3% back on transit and at U.S. gas stations
  • 1% back on everything else

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Also, Plan It gives cardholders the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.

There is a $0 introductory annual fee for the first year, then $95 (See Rates & Fees).

The welcome bonus is the ability to earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back. Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.

Terms apply.

Learn more: Cash Back Credit Cards

Alternate card: Another eating at home option worth considering is The Blue Cash Everyday® Card from American Express, which has no annual fee (See Rates & Fees). It earns 3% back on the first $6,000 in annual supermarket purchases (then 1% back). It also earns an unlimited 2% back on U.S. gas station purchases and select U.S. department stores. All other purchases earn 1% back. Cash back is received in the form of Reward Dollars that can be redeemed for statement credits. Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee (terms apply).

Learn more: Cash Back Credit Cards

Citi Double Cash Card – 2% Back on Everything

Sometimes, the “boring” credit cards that don’t have many add-ons are the best. The Citi® Double Cash Card has plenty to offer. You can get an unlimited 2% cash back on all purchases. Earn 1% cash back when you buy, plus an additional 1% back as you pay for those purchases.

With the Citi Double Cash, you can also redeem cash rewards with a $25 balance. There isn’t an annual fee or signup bonus, though. Still, this is an easy way to earn rewards when eating at home or when out and about.

Related: Best Citi Credit Cards

Capital One Quicksilver Cash Rewards Credit Card – 1.5% Back on Everything

The Capital One Quicksilver Cash Rewards Credit Card earns 1.5% cash back on all purchases. There isn’t a redemption minimum, annual fee, or a foreign transaction fee.

New cardholders can earn a one-time $200 cash bonus after spending $500 on purchases in the first 3 months from account opening.

Learn more: Cash Back Credit Cards

Bank of America Customized Cash Rewards Credit Card – Up to 3% Back

The Bank of America® Customized Cash Rewards Credit Card awards up to 3% back on purchases:

  • 3% back on one category choice (Dining, online shopping, gas, travel, drug store, or home improvement)
  • 2% back at grocery stores and wholesale clubs
  • 1% back on everything else

You get 3% and 2% back on the first $2,500 in combined spending each quarter (then 1% back). Eating at home can quickly maximize these bonus categories. It’s possible to earn between 25% and 75% more points if you’re a Preferred Rewards member.

The signup bonus is $200 after spending $1,000 in the first 90 days. There is no annual fee.

Learn more: Cash Back Credit Cards

Capital One SavorOne Cash Rewards Credit Card

The Capital One SavorOne Cash Rewards Credit Card doesn’t have an annual fee or foreign transaction fee. You can earn unlimited:

  • 8% back on ticket purchases at Vivid Seats (through January 2023)
  • 3% back on dining, entertainment, Grocery stores (not eligible at superstores like Target and Walmart), and popular streaming services
  • 1% back on everything else

The signup bonus is $200 bonus cash after spending $500 on purchases in the first 3 months.

Learn more: Cash Back Credit Cards

Capital One Walmart Rewards Mastercard – Up to 5% Back

Superstores like Walmart don’t qualify for the grocery store bonus category. The Capital One® Walmart Rewards® Mastercard® solves that problem as you find all the ingredients you need for eating at home.

You get up to 5% back on grocery purchases at Walmart:

  • 5% back at Walmart.com (including grocery pickup and delivery)
  • 2% back on restaurants and travel
  • 2% back on in-store Walmart purchases and at Murphy USA gas stations
  • 1% back on everything else

You can redeem your points for cash rewards, travel rewards, gift cards, and statement credits.

The welcome offer for this Capital One Walmart Card is earning an unlimited 5% back in the first 12 months when paying with Walmart Pay in Walmart purchases. This card doesn’t have an annual fee.

Learn more: Cash Back Credit Cards

Target RedCard – 5% Back

The information for the Target RedCard has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The Target RedCard™ can be your best card for shopping at Target.

You will get 5% back on these purchases:

  • In-store and online Target purchases
  • Shipt same-day delivery services
  • In-store Starbucks locations
  • Specialty gift cards

You also get an extra 30-day return window on Target purchases. Plus, you get 10% off on your card anniversary.

You may still want to use another card for your purchases at other merchants. One benefit you may appreciate is getting 10% off Hotels.com purchases.

This card doesn’t have an annual fee.

Rakuten Cash Back Visa – Up to 3% Back

The information for the Rakuten Cash Back Visa® Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The Rakuten Cash Back Visa® Credit Card is excellent for online shopping. However, you can earn cash rewards on eligible meal kits and food delivery companies, such as Postmates and Love with Food.

You earn 3% cash back on most Rakuten.com (previously Ebates), Rakuten Hotels, travel offers, and in-store offers. All non-bonus purchases earn 1% back. This card can make sense if you shop online using the Rakuten cash back app.

The signup bonus is $10 bonus cash after your first Rakuten purchases. This card doesn’t have an annual fee.

Summary

As you can see, there are plenty of options that earn rewards when eating at home. You can earn the most points by buying groceries at a supermarket. Food delivery from restaurants can also earn bonus rewards and several cards come with membership perks. Plus, even if you’re staying at home, you can use these rewards for cash or travel rewards.

FAQs

What is considered credit card dining?

Dining purchases for most credit cards must take place at a restaurant location. That might be the restaurant in a downtown district, on an interstate exit, or in a mall food court. Restaurants inside sports stadiums, casinos, and hotels may not classify as a restaurant–it depends on the merchant code.

Food delivery app purchases may not classify either. It depends on the credit card terms and conditions. The Chase Sapphire Preferred can waive the delivery fee on DoorDash restaurant purchases.

What is the best credit card for buying groceries?

The American Express Blue Cash Preferred has the highest reward rate for U.S. supermarket purchases. You get 6% cash back (in the form of statement credits) on the first $6,000 in annual purchases (then 1% back) and 6% back on U.S. streaming services.  All remaining spend earns 1% back. This card can be the most lucrative option for eating at home.

Plus, some travel rewards cards (usually airline credit cards and hotel credit cards) earn bonus points at supermarket store purchases.

Can you get cash back on meal kits?

It’s possible to get cash back on meal kits–if you use the correct credit card. Meal kits are not a dedicated bonus category for most cards. A flat-rate cash rewards card is your best option to earn bonus points on meal kits. The Citi Double Cash is one of the best as you get 2% back on every purchase–including online spending.

Some meal kits are sold in grocery stores. You can use a credit card that earns bonus rewards on supermarket purchases. One of the best can be the Capital One SavorOne Card. It earns 3% back at grocery stores, on dining, select streaming services, and entertainment too.

Related Articles:

For rates and fees of The Blue Cash Preferred® Card from American Express, please click here.

To learn about the rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

For rates and fees of The American Express® Gold Card, please click here.

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