2 Great Credit Cards To Use For Takeout Orders (Since You’re In Isolation Anyway)

Update 03/28/20 05:13AM: Since posting the original article, I’ve discovered Rakuten/eBates is also offering 4% cash back (or 4x Membership Rewards) points on all Uber Eats purchases (Direct Link). In other words, food purchases would be 8x MR/ per dollar total if using the Amex Gold or 3x UR and 4x MR if using the Sapphire Reserve. #RainingPoints


It’s been a rough week for everyone and with a significant percentage of the population under orders to stay home, a lot of us are spending a few more dollars than usual on delivered orders but that doesn’t mean that you can’t still rack up points.

AM I ON THE FOOD NETWORKS CHOPPED??

I’ve seen some of ya’ll post IG live videos like “Thank you for joining me. While I have a bit of free time on my hands, today I’ve decided to share my go-to favorite meal, the Mediterranean Salad with seared scallops and olive-breadcrumb sprinkle, topped with Mango-Cherry Salsa.”

For those of us that are not chefs and simply don’t want to spend any time in the kitchen, credit cards that earn great bonuses on DINING OUT will (generally) earn the same great bonuses when they’re used to order food for takeout or when used to order food via food delivery services (i.e. UberEats, DoorDash, etc.). Here are my 2 favorite credit cards to use if you’re ordering in (and/or take-out).

The Chase Sapphire Reserve Card (MORE INFO)

Welcome Offer: Earn 50,000 Chase Ultimate Rewards Points after you spend $4,000 in the three months immediately following account opening.

Earnings:

  • 3x points/dollar on dining worldwide
  • 3x points/dollar on all travel spending worldwide
  • 10x points/dollar on all Lyft rides through March 2022
  • 1x point/dollar on all other spending

3 Reasons It’s Great For Takeaway & Food Delivery Services:

  • As Chase Ultimate Rewards points are easily redeemable for 1.5 cents each, the 3 points/dollar that the Chase Sapphire Reserve card earns on dining will see a cardholder effectively earn a 4.5% rebate on all takeaway/food delivery spending.
  • The Chase Sapphire Reserve Card offers DoorDash DashPlus membership (worth $9.99/month) as one of its benefits. DashPass members do not pay a delivery fee at thousands of restaurants around the country when spending a minimum of $12 and members get reduced service fees too. Savings are estimated to be in the region of $4 – $5 per order.
  • Cardholders are given up to $120 DoorDash statement credits – $60 in 2020 and $60 in 2021 – that’s $60 of free food per year!

The American Express Gold Card (MORE INFO)

American Express Gold Card

Welcome Offer: Earn 35,000 Amex Membership Rewards Points after you spend $4,000 in the three months immediately following account opening.

Earnings:

  • 4x points/dollar on dining worldwide
  • 4x points/dollar at U.S Supermarkets (upon to $25,000 of spending/year)
  • 3x points/dollar on spending made directly with airlines or through Amex travel
  • 1x point/dollar on all other spending

3 Reasons It’s Great For Takeaway & Food Delivery Services:

  • 4 points/dollar is one of the best returns on dining/takeaway/food delivery services that you’ll find and, based on my valuation of 2 cents/point, this sees cardholders earn an effective rebate of 8% each time you use the card to order in.
  • The American Express Gold card offers a $10/month statement credit for spending at participating Shake Shack locations, the Cheesecake Factory, Ruth’s Chris Steakhouse and on spending through Grubhub/Seamless.
  • The American Express Gold card also offers 4x points/dollar at U.S Supermarkets (upon to $25,000 of spending/year). 4x on restaurants and 4x on supermarkets…THAT’S EXTREMELY HARD TO BEAT considering that if you’re eating anything, you obtained your food in one of those two manners.

FINAL STAMP

Personally, the Amex Gold Card takes the cake here with a return of 8% on dining purchases. But if you have the Chase Sapphire Reserve card (or plan to apply for it), I wouldn’t hesitate to use it for my dining purchases.

Regardless to which one you pick, both of these cards will get more value on dining purchases than a run-of-the-mill credit card, so make sure you pick the right card before you purchase that meal.

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