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The DoorDash Rewards Mastercard® can be an enticing option if you rely on the delivery app to bring meals, lattes, and other delights directly to your front door. Simultaneously, you may feel that this co-brand credit card is too restricting with its rewards categories and benefits, even if you are a loyal customer. Here are several factors to help you decide if the DoorDash credit card is worth it.
Free Year of DashPass: DoorDash Rewards Mastercard®
Reasons the DoorDash Credit Card is Worth It
Consider applying for the DoorDash Credit Card for the reasons below.
4% Back on DoorDash Orders
You will earn unlimited 4% back on DoorDash and Caviar orders when paying with this card. This bonus category applies to food, merchandise, groceries, pet supplies, and other order types that both platforms support.
Related: The Best Credit Cards To Use For DoorDash And Uber Eats
Multiple Bonus Categories
You will earn up to 3% back on non-DoorDash or Caviar purchases:
- 3% back on dining purchases
- 2% back on grocery stores online or in-store
- 1% back on all remaining purchases
This card can be one of the best credit cards for dining, restaurants, takeout, and more, thanks to its 4% and 3% back rewards categories.
Flexible Redemption Options
Unlike most co-brand credit cards that only let you redeem your rewards for purchases within the loyalty program, such as flights or hotel nights, you have a lot of diversity.
Redemption options include:
- DoorDash and Caviar orders
- Cash back
- Gift cards
Related: Is It Really A Good Idea To Get A Chase Credit Card?
Free DoorDash DashPass
New cardholders enjoy a free year of DashPass membership. This perk has a $96 value with benefits which include:
- $0 delivery fees
- Lower service fees on orders over the minimum order subtotal
- Member-only offers
- 5% DoorDash credits back on Pickup orders
You can maintain a free DashPass membership by making $10,000 per year in card purchases. To be fair, that’s a relatively high minimum spending requirement if you can’t maximize the other bonus categories. It may be better off to pay for DashPass out of pocket after your first card anniversary when you have multiple rewards credit cards at your disposal.
Free Year of DashPass: DoorDash Rewards Mastercard®
Exclusive Cardmember Benefits
DoorDash cardholders enjoy these two exclusive discounts:
- 10% off one convenience, grocery, alcohol, retail, or DashMart order every month (valid through 12/31/2024)
- $5 off one order each month during your first year of DashPass (ends on 4/30/2024)
In addition to the above cardholder-only perks, this product offers Mastercard World Elite benefits. Some examples of universal savings include discounted Lyft rides, Mastercard Priceless Experiences, and Mastercard Concierge.
No Annual Fee
This card has no annual fee and no foreign transaction fee. It’s a good option for domestic and overseas trips. No fees also make it easy to build credit at no extra cost.
The rewards are competitive with other cash back credit cards without an annual fee and multiple bonus categories.
When to Avoid the DoorDash Credit Card
This card may not be your best option, even if you use this delivery app frequently.
Minimal Cardholder Benefits
While you can save on DoorDash purchases more frequently than non-cardholders, the other ongoing benefits are lackluster when compared to other no-annual-fee products.
Specifically, you must spend $10,000 annually to qualify for the free DashPass anniversary perk. You can’t enjoy a discounted membership or other DoorDash benefits by having the card.
No Travel Redemptions
Your point redemption options are restricted to DoorDash, Caviar, cash back, and gift cards. Travel credit cards may let you earn a similar amount on restaurant and delivery app purchases and offer more valuable redemption options.
Three DoorDash credit card alternatives from Chase include:
- Chase Sapphire Preferred® Card: Earn 3x on dining and eligible delivery apps, up to 5x on travel, and bonus points on other purchases. Your points are worth 25% more when booking award travel through Chase Ultimate Rewards and 1:1 point transfers to airlines and hotels. The annual fee is $95, and you can learn more about its card perks with our Chase Sapphire Preferred review.
- Chase Sapphire Reserve®: This premium credit card means 3x on most dining-related purchases and up to 10x through Chase Dining. Travel purchases earn up to 10x points. Enjoy an annual $300 travel credit, airport lounge access, a 50% travel redemption bonus, and 1:1 point transfers. The annual fee is $550, and you can read our Chase Sapphire Reserve review for more.
- Chase Freedom Unlimited®: Earn 3% back on dining, takeout, delivery services, and drugstore purchases. Travel purchases through Chase earn 5% back, and all non-bonus spending earns 1.5% back. There is no annual fee, and you can redeem your points for travel, cash back, gift cards, and with select retailers.
Depending on the card, you can enjoy between 3 and 12 months of free DashPass benefits. Additional DoorDash discounts may be available, too.
No Signup Bonus
This card currently doesn’t offer a signup bonus where you might earn credits, which is rather unusual for a rewards credit card. Instead, you get a free year of DashPass. With the DoorDash Rewards Mastercard®, get a free year of DashPass ($96 value).
It can save you a small fortune if you order frequently. But, earning a one-time bonus can be more valuable depending on your spending habits.
Potentially Strict Qualifications
This card can require a good or excellent credit score of 670 or higher. Preferably, a score above 700 is suggestible for most applicants.
Additionally, this card appears to be subject to the Chase 5/24 rules, and you should wait to apply if you have opened at least four new credit cards in the past 24 months.
Is the DoorDash Credit Card Worth It?
Consider the DoorDash Rewards Mastercard® if you are fairly new to credit and use DoorDash or Caviar frequently. The free year of DashPass and exclusive cardholder discounts are valuable for loyal customers, but other rewards credit cards may have more to offer across multiple purchase categories.
Below is an opinion that may summarize why this card’s most valuable benefit may not be your best option.
“I’d see it being worth it only if y’all are heavy users of DoorDash”, says Ammm72. The 1% cash back difference between the (DoorDash) card and other cards that give 3% back on dining is marginal. It would be worth it if you have no intention of getting any other credit cards in the near future.”
Summary
In conclusion, the DoorDash Rewards Mastercard® can be worth keeping in your wallet if you rely on DoorDash to bring food, merch, and other household essentials to your front door. Being able to earn bonus cash back is a nice touch. However, you may also compare your earning potential with more versatile credit cards with similar bonus categories.
Free Year of DashPass: DoorDash Rewards Mastercard®
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