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There’s a good chance that you’ve had to change your eating habits since the onset of the pandemic. With more restaurants offering to-go services, note that more rewards credit cards are also catering 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? Let’s take a look.

eating at 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. Enrollment may be required for select 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

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

It earns 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earns 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Plus, earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.

Another perk is the ability to earn up to $10 in statement credits on a monthly basis when you use your Gold Card to pay at the following dining establishments (enrollment is required):

  • Grubhub
  • The Cheesecake Factory
  • Goldbelly
  • Wine.com
  • Milk Bar
  • Shake Shack (only at participating locations)

This perk can save you up to $120 annually.

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 Card – 3x 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 dining purchases earn 3x Ultimate Rewards points per $1. Also, once activated, Chase Sapphire Preferred cardholders can enjoy complimentary DoorDash DashPass benefits through December 31, 2024.

The Chase Sapphire Preferred earns unlimited:

  • 5x points on travel purchased through Chase Ultimate Rewards® (excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit)
  • 3x points on dining (including eligible delivery services, takeout, and dining out)
  • 3x points on online grocery purchases (excluding Target®, Walmart®, and wholesale clubs)
  • Also 3x points on select streaming services
  • 2x points on all other travel purchases
  • 1x point per $1 spent on all non-bonus purchases 

There is a $50 annual Ultimate Rewards Hotel Credit. It comes in the form of a statement credit that will automatically be applied to your account when your card is used for hotel accommodation purchases made through the Ultimate Rewards program, up to an annual maximum accumulation of $50.

Plus, on each account anniversary, you’ll earn bonus points equal to 10% of your total purchases made the previous year. So, if you spend $25,000 on purchases, you’ll get 2,500 bonus points.

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.

Points are worth 25% more when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature

New Chase Sapphire Preferred® Card cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $750 when redeemed through Chase Ultimate Rewards®.

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® earns up to 10x Chase Ultimate Rewards®. Cardholders can earn unlimited: 

  • 10x total points on hotels and car rentals purchases through Chase Ultimate Rewards (after the first $300 is spent on travel purchases annually)
  • 10x total points on Chase Dining purchases with Ultimate Rewards
  • 5x total points on flights when you purchase travel through Chase Ultimate Rewards (after the first $300 is spent on travel purchases annually)
  • 3x points on other travel worldwide (after the first $300 is spent on travel purchases annually)
  • 3x points on other dining at restaurants, including eligible delivery services, takeout, and dining out
  • 1x points for all remaining purchases

You will not receive rewards points on your first $300 in annual travel purchases as the annual travel statement credit reimburses these purchases.

Once activated, Chase Sapphire Reserve cardholders can enjoy complimentary DoorDash DashPass benefits through December 31, 2024.

Points are worth 50% more when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature

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® cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $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% cash back at U.S. supermarkets, up to $6,000 per year in purchases (then 1%)
  • 6% cash back on select U.S. streaming subscriptions
  • 3% cash back on transit, including taxis/rideshare, parking, tolls, trains, buses, and more
  • 3% cash back at U.S. gas stations
  • 1% cash back on other purchases

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Cardholders can also enjoy $0 intro plan fees when using Plan It® to split up large purchases into monthly installments. Pay $0 Plan It fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a fixed monthly plan fee of up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

Cardholders can also enjoy $7/month back in the form of a statement credit after spending $13.99 or more each month on an eligible The Disney Bundle package (which includes Disney+, Hulu, and ESPN+) subscription with the Blue Cash Preferred Card. Enrollment required.

The welcome bonus is the ability to earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. There is a $95 annual fee (See Rates & Fees).

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% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 3% cash back at U.S. gas stations (up to $6,000 per year in purchases, then 1%), 3% cash back on U.S. online retail purchases (up to $6,000 per year in purchases, then 1%), and 1% cash back on general purchases. Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.

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.

For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

With the Citi Double Cash, there isn’t an annual fee. 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. However, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. 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% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
  • 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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  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
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