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The coronavirus pandemic has transformed many Americans' dining habits, fueling a spike in food delivery. In August, collective sales for food delivery services grew 158% year-over-year, according to data from purchasing analytics company Second Measure. With no date in sight for a full return to in-person dining, and blustery fall weather fast approaching, ordering food delivered will become even more appealing in the coming months. Responding to the trend, some credit card issuers are offering perks for ordering delivery.
Snuggling up on the sofa with a pizza and Netflix sounds even better when you can earn cash back or credit card statement credits for doing so. If you decide to venture out to pick up groceries or takeout, or your city reopens in-person restaurant dining, the following credit cards offer rewards for that too. Here are our picks for credit cards that will pay off for you and for your favorite eateries.
Capital One SavorOne Cash Rewards Credit Card
The Capital One SavorOne Cash Rewards Credit Card offers solid rewards in a variety of categories, as well as useful travel and shopping perks, all with no annual fee. When it comes to food delivery perks, you'll get unlimited 3% cash back on dining (and entertainment) purchases. Purchases at grocery stores (excluding superstores like Target and Walmart) and popular streaming services earn unlimited 3% cash back, 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 and all other purchases earn unlimited 1% cash back. You can redeem your cash back for any amount as a statement credit or check.
As a new cardholder, you can earn a $200 cash bonus when you spend $500 on the card in the first 3 months.
This card's shopping benefits include access to Paribus, which finds potential savings on your previous online purchases and gets you money back. You can also pay for Amazon.com purchases using your Capital One rewards, and eligible items purchased with the card can receive additional warranty protection. You can even use virtual card numbers from Eno to pay for online purchases and keep your actual card number to yourself.
You may not be traveling much these days, but the Capital One SavorOne Cash Rewards Credit Card can be a useful companion when you eventually do hit the road. Travel accident insurance provides automatic insurance for a covered loss when you use your credit card to purchase your fare. Thanks to 24-hour travel assistance services, you can get an emergency replacement card and a cash advance if your credit card is lost or stolen while you're traveling. The card doesn't charge foreign transaction fees on international purchases, so this is a good card to take when you travel abroad.
Getting the Most from Food Delivery Credit Cards
Rewards credit cards typically require good to excellent credit, and those listed here are no exception. You can check your credit score and report for free before you apply for a card to see if you're likely to get approved, and to make sure your report is accurate and up to date.
Once you have a rewards credit card, you'll want to make the most of it. Keeping track of all the rewards and benefits your credit cards earn can get confusing. If you have a free Experian account, you can use the My Credit Cards feature to keep track. Just add your cards, and Experian will show you available perks and could show you new ways to save.