Learn more about DoorDash Rewards Mastercard
DoorDash Rewards Mastercard® rewards
The DoorDash gives you several ways to earn rewards.
Welcome bonus
All new cardholders receive a 12-month complimentary DashPass subscription. DashPass gives you access to $0 delivery fees and reduced delivery fees on your DoorDash orders.
One of the biggest advantages of the DoorDash is that you get the welcome bonus automatically. Many of the best credit cards require you to spend a certain amount of money within a few months of opening an account. With the DoorDash Rewards Mastercard, you don’t have to spend anything at all to qualify for the welcome bonus.
If you already have DashPass, don’t worry. The complimentary subscription doesn’t start until you’ve used up your current benefits. For example, if your current membership expires on April 5th, your complimentary DashPass subscription won’t start until April 6th, so you’ll get the full year of benefits.
Note that your DashPass subscription will automatically renew at the current rate unless you cancel it or qualify for another year of complimentary access.
Earning rewards
The DoorDash Rewards Mastercard also has a simple rewards structure.
You earn cash back at the following rates:
- 4% on all DoorDash and Caviar orders
- 3% on dining ordered directly from restaurants
- 2% on online or in-store grocery orders
- 1% on all other purchases
In a typical month, let’s say you spend $125 on DoorDash orders, $200 on dining, $400 on groceries and $285 on miscellaneous purchases.
Here’s what you’d earn:
- $5 on DoorDash orders ($125 x .04)
- $6 on dining ($200 x .03)
- $8 on groceries ($400 x .02)
- $2.85 on miscellaneous items ($285 x .01)
You’d earn $21.85 just for making your normal purchases.
Redeeming rewards
Chase gives you three ways to redeem the rewards you earn with your DoorDash card. You can apply rewards cash during the DoorDash or Caviar checkout process, buy gift cards or request cash back via direct deposit or statement credit.
If you ask for cash back, you can use the money for anything you’d like, from clothing to first-class airline tickets.
DoorDash Rewards Mastercard benefits
The DoorDash credit card comes with several valuable benefits.
Complimentary DashPass
As noted previously, all new members get 12 months of complimentary DashPass access as a welcome bonus.
DashPass comes with the following:
- $0 delivery fees
- Reduced service fees on eligible orders
- Exclusive offers
- 5% back in DoorDash credits on eligible pickup orders
Exclusive discounts
Cardholders also have access to limited-time offers. For example, you can earn 10% back on one DashMart, grocery, retail, alcohol or convenience order per month.
World Elite Mastercard perks
The DoorDash credit card is a World Elite Mastercard, which means you have access to additional perks:
-
Complimentary ShopRunner membership: ShopRunner gives you access to free returns and 2-day shipping at participating retailers. The complimentary membership is worth $79 per year.
-
$5 Lyft credit: If you take at least three Lyft rides per month, you’ll earn a $5 credit.
-
Instacart benefits: World Elite Mastercard products give you access to free Instacart delivery for 2 months. You’ll also get $10 off your second Instacart order each month.
-
Peacock discounts: If you have the Peacock streaming service, you’ll get a $3 discount on the Premium Package or a $5 discount on the Premium Plus package.
-
Concierge access: The World Elite Mastercard concierge service gives you 24/7 access to agents who can help with restaurant reservations, tee times and more.
-
Golf Concierge Service: The Golf Concierge Service opens up access to exclusive experiences, such as the Arnold Palmer Invitational and the AIG Women’s Open. Cardholders can also use the service to book golf trips in the United States, Ireland and Scotland.
-
Mastercard Travel Rewards®: With Mastercard Travel Rewards, you get cash back on hotels, transportation, dining and other expenses when traveling internationally.
-
Mastercard Travel & Lifestyle Services®: Live like royalty with free rental car upgrades, personal airport concierge service, complimentary nights at participating hotels and other lifestyle benefits.
-
ID theft protection: Mastercard ID Theft Protection® monitors your credit file for signs of fraud. You’ll receive an alert any time there’s suspicious activity, making it easier to stop identity thieves in their tracks.
-
Mastercard Global Services: Mastercard Global Services gives you access to 24/7 emergency assistance from almost anywhere in the world. You can use the service to report a lost or stolen card, request a replacement card or complete other important tasks.
-
Travel insurance: Your DoorDash credit card comes with travel insurance, giving you extra peace of mind whether you’re flying around the world or driving from one state to another.
Fees, rates & limit
Although the DoorDash Rewards Mastercard is one of the best credit cards for DoorDash, you still need to review the terms carefully.
Here’s what you can expect in terms of the fees, rates and credit limit.
Fees
The Chase credit card for DoorDash has the following fees:
-
Annual fee: $0
-
Balance transfer fee: $5 or 5% of the transfer amount, whichever is greater
-
Cash advance fee: $10 or 5% of the advance amount, whichever is greater
-
Foreign transaction fee: $0
-
Late payment: Up to $40
-
Returned payment: Up to $40
Interest rates
Expect to pay the following rates when you sign up for a DoorDash Rewards Mastercard:
-
Regular APR: 20.24% to 28.99% variable
-
Cash advance APR: 29.99% variable
-
Purchase intro APR: N/A
-
Balance transfer intro APR: N/A
Credit limit
When you apply for a DoorDash Rewards Mastercard, Chase uses the information you provide to determine an appropriate credit limit. The limit depends on your income, credit score and other factors.
For example, if you have an exceptional credit score and a six-figure income, you may qualify for a higher limit than someone with a good score who earns $60,000 a year.
How the DoorDash Rewards Mastercard® compares
In terms of fees, the DoorDash Rewards Mastercard outperforms its competitors, as it offers up to 4% cash back on every purchase with no annual membership fee. When you add in the World Elite Mastercard perks, you get hundreds of dollars in annual benefits at no additional cost.
The card falls a bit short when it comes to earning and redeeming rewards, however. Several benefits are exclusive to DoorDash, so if you don’t order takeout frequently, you may benefit more from a credit card that offers more cash back on groceries, streaming subscriptions and other everyday expenses.
DoorDash Rewards Mastercard® vs. Capital One SavorOne Cash Rewards Credit Card
The DoorDash Rewards Mastercard and the Capital One SavorOne Cash Rewards Credit Card both have no annual fee and offer 3% cash back on dining. If you order DoorDash frequently, the DoorDash Mastercard is probably a better fit for your needs, as it offers 4% cash back on all DoorDash and Caviar orders.
Capital One SavorOne Rewards offers 3% back on eligible grocery purchases, popular streaming services and entertainment. In contrast, the DoorDash credit card only gives you 2% on grocery orders and 1% on all other purchases. If you’re looking to maximize rewards on non-DoorDash spending, the SavorOne Rewards card may be a better fit.
DoorDash Rewards Mastercard® vs. Capital One Walmart Rewards® Mastercard®
Like the DoorDash credit card, the Capital One Walmart Rewards® Mastercard® has no annual fee, so the cards are evenly matched in terms of costs. Although the Capital One Walmart Rewards Mastercard offers 5% cash back on Walmart.com, it only offers 2% back in Walmart stores and 1% on all other purchases.
Therefore, the DoorDash credit card is a better choice if you want to earn extra cash back on your dining and grocery purchases. If you place multiple Walmart.com orders each month, however, consider getting the Capital One card.
DoorDash Rewards Mastercard® vs. Instacart Mastercard®
The Instacart Mastercard® gives you 5% cash back on all Instacart.com and Instacart app purchases. It also offers 5% on travel booked through Chase Travel, 2% at restaurants and gas stations, 2% back on select streaming services and 1% back on all other purchases.
Overall, the Instacart Mastercard outperforms the DoorDash Rewards Mastercard because it offers extra cash back on gas stations and streaming services, plus 5% on Instacart purchases instead of 4% on DoorDash purchases.
Is the DoorDash Rewards Mastercard® right for me?
The DoorDash credit card is best for people who order from DoorDash regularly. If you only order once or twice per month, you may not earn enough rewards to justify keeping the card in your wallet.
These other cash-back credit cards may be a better fit if you want more flexibility in earning rewards:
How to apply for the DoorDash Rewards Mastercard®
If you’re interested, you can learn more about the DoorDash Rewards Mastercard® and apply online. You’ll need to provide your name, contact information, Social Security number, income and other data.
Chase doesn’t advertise a minimum DoorDash credit card credit score. However, the card is only for consumers with good to excellent credit. A good score typically starts at 670 and increases from there, although we recommend waiting until you have at least a 690 to apply.
