Best Credit Card for DoorDash
The best credit card for DoorDash is Rakuten American Express® Card because it earns 10x on DoorDash food delivery and Caviar orders, the strongest effective return in the current ranking.
Top Pick
Rakuten American Express® Card
10x on Rakuten Dining
Current welcome offer: 20,000 points — spend $2,000 in 3 months
Before you click out
- This is the best fit only if you actually spend heavily on doordash.
- You are optimizing for rewards without taking on an annual fee.
- If this is your pick, apply now and keep this page open in another tab for reference.
More Good Options
Bilt RewardsBilt Palladium Card6xpts/dollar12.0%return6x on Dining
About $344/month in doordash spend offsets the annual fee, before credits and perks.
Apply for Bilt Palladium CardCurrent welcome offer50,000 points — spend $4,000 in 3 months
Citi ThankYou PointsCiti Strata Elite6xpts/dollar9.0%return6x on Restaurants (Citi Nights)
About $551/month in doordash spend offsets the annual fee, before credits and perks.
Apply for Citi Strata EliteCurrent welcome offer75,000 points — spend $6,000 in 3 months
American Express Membership RewardsAmerican Express Gold Card4xpts/dollar8.0%return4x on Restaurants (Worldwide)
About $339/month in doordash spend offsets the annual fee, before credits and perks.
Apply for American Express Gold CardCurrent welcome offer100,000 points — spend $6,000 in 6 months
Want broader partner inventory before you commit?
Use the partner marketplace only if you are still in category-browsing mode. If the top pick above already fits, the direct apply path is the cleaner decision.
Rewards Calculator
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Quick summary
A short version of the recommendation with the main numbers and fallback option.
For DoorDash food delivery and Caviar orders, Rakuten American Express® Card is currently our top overall pick at 10x, which works out to about 20.0% back using CardCurator's current point valuations. 10x on Rakuten Dining. If you want a no-annual-fee option, BILL Divvy earns 7x there (7.0% effective return). At $500/month of spend, the top card is worth about $1200/year before signup bonuses or statement credits. Summary generated November 15, 2026. Source: https://cardcurator.ai/best-credit-card-for/doordash
- Rakuten American Express® Card: 10x and 20.0% effective return.
- At $500/month, that's about $1200/year in rewards value before bonuses.
- BILL Divvy is the current no-fee fallback at 7x (7.0% effective return).
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card for DoorDash?
The Rakuten American Express® Card is currently the top pick for DoorDash food delivery and Caviar orders, earning 10x points per dollar — an effective 20.0% return.
How many points do you earn on DoorDash purchases?
The top-rated card for DoorDash food delivery and Caviar orders, the Rakuten American Express® Card, earns 10x per dollar — an effective return of 20.0%.
Is there a no-annual-fee card that earns rewards on DoorDash?
Yes — the BILL Divvy earns 7x on DoorDash food delivery and Caviar orders with no annual fee (7.0% effective return).
Is a premium card worth the annual fee for DoorDash spending?
The Bilt Palladium Card ($495/yr) earns 6x on DoorDash food delivery and Caviar orders. If you spend $344/month or more on doordash, the rewards offset the annual fee — before counting travel credits and other perks.
Which card earns the most if I spend $500 per month on DoorDash?
Rakuten American Express® Card: $1200/yr after its annual fee, Bilt Palladium Card: $225/yr after its annual fee, Citi Strata Elite: $-55/yr after its annual fee. At $500/month, Rakuten American Express® Card has the highest estimated net value after its annual fee.
Do rotating category cards earn on DoorDash?
Some cards — like Chase Freedom Flex and Discover it — occasionally feature doordash as a 5% bonus category for one quarter per year. Year-round, a dedicated doordash card typically outperforms rotating category cards since you can't always count on the bonus.