DoorDash Rewards Mastercard review: Doesn’t quite deliver

10 March 2023

DoorDash Rewards Mastercard overview

The DoorDash Rewards Mastercard is a solid cash-back option for those who love ordering in. It earns 4% back on DoorDash and Caviar orders and 3% back on online or in-store restaurant purchases. It is a contender for those who want to earn cash-back rewards on their dining purchases but not the best option for earning on dining purchases. Card rating*: ⭐⭐

*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

Dining delivery has been around for over a decade, but it didn’t become a regular part of many of our lives until 2020. Today, it’s clear that this modern luxury is here to stay, and Chase’s first food delivery credit card is designed to reward you when you decide to order in.

But is the DoorDash Rewards Mastercard a good fit for you? Here’s everything you need to know.

DoorDash Rewards Mastercard welcome offer

New applicants will get a $100 cash bonus after spending $500 on purchases in the first three months from account opening.

THE POINTS GUY

You’ll also receive a free year of DashPass (a $96 value) for you and one authorized user, giving you both benefits like unlimited $0 delivery fees, 5% DoorDash credits back on pickup orders and member-only offers.

The cash bonus and DashPass membership together give you a welcome bonus value of $196. If you can maximize the value of your DashPass membership, this offer value is comparable to what we expect from cash-back cards without an annual fee. 

Related: How to choose a cash-back credit card

Earning cash back on the DoorDash Rewards Mastercard

On top of earning bonus rewards on your DoorDash purchases, this card rewards you for all your dining and grocery spending. You’ll earn:

4% cash back on DoorDash and Caviar orders through the DoorDash platform.
3% cash back on online or in-store restaurant purchases.
2% cash back on online or in-store grocery purchases.
1% cash back on all other purchases.

While these aren’t necessarily bad earning rates, they aren’t special. Several of our favorite cash-back and dining cards have earning rates similar to or better than what you’ll get with the DoorDash card.

Related: Best credit cards for everyday spending

Redeeming cash back on the DoorDash Rewards Mastercard

Once you’ve racked up some rewards, you can use them to pay for part or all of a DoorDash or Caviar order.

You can also redeem them for gift cards or opt for the traditional route and get cash back — either as a statement credit or direct deposit into your bank account.

DoorDash Rewards benefits

As a cardholder, you’ll get special offers and benefits, including 10% off your first DoorDash order of $35 or more each month (maximum discount of $15; ends Aug. 31) and $25 off your first two DoorDash shipping orders of at least $100 (ends Dec. 31).

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You’ll also get perks like trip cancellation insurance, purchase protection and extended warranty protection.

In addition to the benefits unique to this card, you’ll receive World Elite Mastercard benefits such as a monthly $5 DoorDash credit as an eligible DashPass member and a $5 Lyft credit after taking three rides in one calendar month.

Related: Best no-annual-fee cash-back credit cards

Which cards compete with the DoorDash Rewards Mastercard?

The DoorDash Rewards Mastercard is far from the only card that earns bonus rewards on food purchases. You may want to consider a different card if you spend much of your budget on anything other than DoorDash:

If you want to earn travel rewards on your dining purchases: The American Express® Gold Card earns 4 points per dollar at restaurants (including takeout and delivery in the U.S.) and U.S. supermarkets (on up to $25,000 in purchases each year, then 1 point per dollar). Since TPG values American Express Membership Rewards at 2 cents each, this is an effective 8% return on all your food purchases, double what you’ll earn for DoorDash purchases on the DoorDash card. For more details, check out our full review of the Amex Gold.
If you want to earn cash back on your dining and entertainment purchases: The Capital One SavorOne Cash Rewards Credit Card has no annual fee and allows you to earn more on your everyday spending with a wider range of bonus categories. It earns 3% cash back on dining, entertainment, popular streaming services and grocery store purchases. You’ll also earn 10% cash back on Uber Eats purchases through Nov. 14, 2024. For more details, check out our full review of the SavorOne card.
If you want to earn more cash back on all your purchases: The Chase Freedom Unlimited earns the same as the DoorDash card on dining (3% cash back), plus 1.5% on all other purchases, so you may earn more cash back overall with this card. For more details, check out our full review of the Freedom Unlimited.

For additional options, check out our full list of best cash-back credit cards and best credit cards for dining.

Read more: Who should (and shouldn’t) get the Amex Gold?

Is the DoorDash Rewards Mastercard worth it?

If you order through DoorDash or Caviar frequently and prefer the simplicity of earning cash-back rewards, you may enjoy having this card. However, this card’s welcome bonus is more restrictive than those of many comparable cash-back rewards cards, and its earning structure isn’t remarkable.

Even if the DoorDash perks appeal to you, remember that several other Chase cards offer a complimentary DoorDash membership and earn 3 points per dollar spent on DoorDash purchases.

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Related: What the Chase and DoorDash partnership means for you

Bottom line

If you find yourself ordering in often, you’ll appreciate the DoorDash perks and bonus earning that you’ll get with the DoorDash Rewards Mastercard. You may also value redeeming your rewards for future DoorDash orders. But before you dash to get this card, look at our other favorite dining rewards cards to ensure your rewards are as good as your favorite takeout.

Official application link: DoorDash Rewards Mastercard

 

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