|Credit Card||Best For||Annual Fee||Initial Bonus|
|U.S. Bank FlexPerks® Gold American Express® Card||Best Overall||$85||30,000 points for spending $2,000 in the first 4 months|
|U.S. Bank Altitude® Go Visa Signature® Card||No Annual Fee||$0||20,000 points for spending $1,000 in the first 90 days|
|American Express® Gold Card||Good Credit||$250||60,000 points for spending $4,000 in the first 6 months|
|Chase Sapphire Reserve®||Big-Spenders||$550||60,000 points for spending $4,000 in the first 3 months|
|Chase Sapphire Preferred® Card||Initial Bonus||$95||100,000 points for spending $4,000 in the first 3 months|
|Chase Freedom Unlimited®||Good Credit & No Annual Fee||$0||$200 for spending $500 in the first 3 months|
|Discover it® Secured Credit Card||Limited & Bad Credit||$0||First year’s rewards doubled|
|Bank of America® Customized Cash Rewards Credit Card for Students||Students||$0||$200 for spending $1,000 in the first 90 days|
|Amazon.com Credit Card||Store Card||$0||$50 gift card|
|Costco Anywhere Visa® Business Card by Citi||Business||$0||None|
In order to identify the best credit cards for food delivery and takeout, WalletHub’s editors regularly compare more than 1,500 credit card offers based on their rewards, fees and approval requirements. To be considered, a card must give extra rewards or perks on food delivery or takeout, relative to the card’s base earn rate. When comparing cards, we focus on the net rewards value the average person would earn on takeout and delivery purchases over the course of two years, after annual fees.
In addition to the best credit cards for food delivery and takeout overall, we also identify standout offers in a handful of popular secondary categories. These categories range from the best initial bonus to the best offers for students and small business owners.
Calculations for the expected net earnings from each card are based on data from the Bureau of Labor Statistics. For cards that offer initial rewards bonuses, we include the bonus if the average consumer would earn it by spending an average of $700 per month for up to four months. And for the heavy-spender category, we double the expected spending. Any other bonuses past the four-month mark, that require spending to earn, are included in calculations if the spending requirement can be met based on the spending assumptions used.