Chase DoorDash Rewards Mastercard® Review: Great rewards for food delivery lovers
Craving a card that rewards your takeout obsession? The DoorDash Rewards Mastercard® earns serious cash back on delivery and dining, plus a free year of DashPass!
| Annual Fee | $0.00 |
| Sign-up Bonus | Free DashPass for a year |
| Rewards Rate | 1%-4% Cash Back |
| Regular APR | 18.24Min. of (6.75+11.49) and 29.99%–27.74Min. of (6.75+20.99) and 29.99% variable APR. |
Overview
For frequent users of food delivery services, the DoorDash Rewards Mastercard® from Chase serves up some seriously tasty rewards. With no annual fee, the card's main appeal is its generous cash back rates: an impressive 4% on all DoorDash and Caviar orders, 3% on dining purchased directly from restaurants, and a solid 2% at grocery stores. New cardmembers also receive a complimentary year of DashPass (a $96 value), which provides $0 delivery fees and reduced service fees on eligible orders. This combination of benefits makes it an immediately rewarding choice for anyone who regularly orders in.
Beyond the headlining food-related perks, this card is a surprisingly well-rounded travel companion thanks to its lack of foreign transaction fees and World Elite Mastercard benefits, such as trip cancellation insurance and purchase protection. While the ongoing rewards outside of food and groceries are a standard 1%, the value is clearly concentrated for those who spend heavily on dining and delivery. The high regular APR means this card is best for those who plan to pay their balance in full each month to avoid interest charges that could wipe out their rewards.
Ultimately, the DoorDash Rewards Mastercard® is a slam dunk for dedicated DoorDash customers and foodies who want to maximize earnings on their dining and grocery spending without paying an annual fee. If your budget is heavily weighted toward restaurant meals and food delivery, and you can take full advantage of the DashPass membership, this card could be an excellent and affordable addition to your wallet.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- High rewards rate on specific spending categories
- No foreign transaction fees
- Ongoing DoorDash/Caviar benefits
- Valuable travel and purchase protections
Things to consider
- High regular APR
Benefits
Excellent Rewards for Food Lovers
The DoorDash Rewards Mastercard® is tailor-made for those who frequently use food delivery services, but its benefits extend to nearly all food-related spending. The card’s standout feature is its generous 4% cash back on all DoorDash and Caviar orders. This is complemented by a strong 3% cash back on dining purchased directly from restaurants and 2% cash back on groceries, making it a compelling choice for your everyday food budget. Rewards are straightforward to redeem as a statement credit, a direct deposit, or for paying for future DoorDash orders at checkout.
Valuable DashPass Membership and Perks
Upon approval, new cardholders immediately receive a complimentary year of DashPass, a value of $96. This membership unlocks $0 delivery fees, reduced service fees, and other exclusive offers on eligible orders. You can continue receiving a free DashPass membership in subsequent years by spending $10,000 on the card annually. Cardholders also get a monthly perk of 10% off one convenience, grocery, alcohol, or DashMart order, adding consistent, tangible value.
Surprising Travel and Purchase Protections
For a card with no annual fee, the DoorDash Rewards Mastercard® comes with an impressive suite of benefits often found on premium travel cards. It charges no foreign transaction fees, making it a great companion for international travel. Furthermore, it offers valuable protections including trip cancellation/interruption insurance, secondary auto rental collision damage waiver, extended warranty, and purchase protection against damage or theft. These features provide a layer of security and peace of mind that is rare for a no-fee cash back card.
Drawbacks
The primary drawback of the DoorDash Rewards Mastercard® is its narrow focus. While the 4% cash back rate on DoorDash and Caviar orders is excellent, the card's value drops significantly if you're not a frequent user of those specific services. Other no-annual-fee cards offer similar or better rewards on broader categories like all dining or groceries, which may provide more value for the average spender. The sign-up bonus, a complimentary year of DashPass, is also only valuable to those who will use the service enough to justify its $96 annual cost.
Furthermore, cardholders who tend to carry a balance should be cautious. The card comes with a high regular APR, which means interest charges can quickly wipe out any cash back rewards you earn. Another potential catch is the requirement to spend $10,000 on the card annually to receive the complimentary DashPass membership in subsequent years. For many, this is a high spending threshold to clear for a benefit valued at less than $100.
Decision Guidance
This card is a top-tier choice for dedicated DoorDash users, offering exceptional cash back on food delivery, dining, and groceries without an annual fee. The complimentary year of DashPass provides immediate, significant value for frequent customers. However, if your spending isn't heavily focused on food, a general cash back card will likely provide better overall returns.
Summary
The DoorDash Rewards Mastercard® is a must-have for anyone who frequently orders food delivery, offering exceptional cash back on DoorDash, dining, and groceries with no annual fee. While its rewards on other purchases are standard, the combination of high earning rates on food and a complimentary year of DashPass makes it an incredibly rewarding choice for foodies who pay their balance in full.