DoorDash Rewards vs. Capital One SavorOne: Which Is the Better Credit Card for Food and Delivery Services?

If your family is like mine, then food delivery has become a weekly staple. Gone are those pre-pandemic days when an Uber Eats bag would come through our recycling once, maybe twice a month. Now we have so many brown takeout bags we use them as bin liners, and some of the deliverers even know my cats by name.

I'm not proud of the habit, but I've learned to manage it. Part of my strategy is to use cash back credit cards that have high earn rates for food purchases, especially delivery. Plenty of great food credit cards exist, but two of my favorites are the DoorDash Rewards Mastercard® and the Capital One SavorOne Cash Rewards Credit Card.

These cards can serve different purposes, but if you could only choose one, which would be better for you?

Capital One SavorOne: Better for Uber Eats and groceries

The Capital One SavorOne Cash Rewards Credit Card is a no fee credit card that earns an unlimited 3% back on dining, grocery stores (excluding superstores such as Walmart and Target), entertainment, and popular streaming services. It also earns 10% back on Uber Eats and Uber rides, plus it comes with a complimentary Uber One membership through Nov. 14, 2024 (received as a statement credit reimbursement).

The card performs other tricks, too, like 8% back on Capital One Entertainment, 0% intro APR for 15 months (after which the go-to rate of 19.99% - 29.99% (Variable) applies), and a one-time $200 Cash Back welcome offer after you spend $500 within your card's first 3 months.

That gives this no fee card a pretty hefty punch. Obviously, if Uber Eats is your poison, this card is your vial, as the 10% cash back and Uber One complimentary membership make for a pretty potent mixture. I save about $15 to $20 per order between the cash back savings and waived Uber fees. Since it also earns 3% back on streaming services -- like Netflix -- it's pretty much designed for those who like to dine in and binge.

DoorDash Rewards Mastercard: Better for DoorDash

The DoorDash Rewards Mastercard® is also a no fee credit card that earns 4% back at DoorDash and Caviar, 3% back on restaurant dining, 2% at grocery stores, and 1% everywhere else. The card comes with one free year of DashPass and a $100 cash bonus after $500 in qualifying purchases within the first three months of card ownership.

For frequent DoorDash users, this card could certainly come in handy. However, when compared with the Capital One SavorOne Cash Rewards Credit Card, the DoorDash Rewards Mastercard® isn't as versatile and earns slightly less for groceries: 2% versus 3% on the SavorOne. Its cash back earnings for DoorDash delivery is also significantly less than the 10% back on Uber Eats.

But hey -- if you really love DoorDash, this card could go a long way in saving you money. However, if you're flexible about delivery apps, the Capital One SavorOne Cash Rewards Credit Card might have more earning potential through Uber Eats.

An alternative option to consider

The DoorDash Rewards Mastercard® is okay for a no fee credit card, but if you're willing to pay $95, the Chase Sapphire Preferred® Card is a great alternative, especially if you like to travel. This card comes with a 12-month complimentary DoorDash DashPass ($96 value), plus it earns 3 points back on delivery services.

It also has a hefty welcome offer of 75,000 bonus points when you spend $4,000 within the first three months (roughly $750 when redeemed through Chase's travel portal). Despite the annual fee, if your spending aligns with its rewards program, it might be better than what other no fee cards could offer.