DoorDash® Rewards Mastercard® Review – Earn on Every Order

Unlock Free Dash Pass & 4% Cashback with DoorDash Rewards MasterCard®

The DoorDash® Rewards MasterCard® is a premium cashback rewards credit card that offers a variety of enticing benefits, especially for those who love DoorDash or dine out frequently. This card not only rewards you for your everyday spending but also offers amazing perks such as a free Dash Pass membership, exclusive MasterCard World Elite® benefits, and generous cashback rates. In this article, we will thoroughly review the features, benefits, and other key details of the Door Dash Rewards MasterCard® to help you decide if it’s the right fit for your spending habits.

What is the DoorDash Rewards MasterCard®?

The Door Dash Rewards MasterCard® is one of the best cashback credit cards designed for food lovers, frequent Door Dash users, and people who enjoy dining out. Whether you’re ordering dinner from your favorite restaurant through DoorDash or making grocery runs, this card offers competitive cashback rewards. One of its biggest selling points is the no annual fee, making it an appealing option for anyone who wants to earn rewards without the worry of yearly charges.

Card Highlights

• Earn 4% cash back on DoorDash and Caviar orders.
• Get 3% cash back on dining at restaurants.
• Receive 2% cash back on grocery store purchases, both online and in-store.
• Earn 1% cash back on all other purchases.
• Enjoy a free year of Dash Pass (valued at $96) for new card members.
• No annual fee for cardholders.
• Redeem cash back for Door Dash orders, gift cards, or statement credits.
• Get MasterCard World Elite® benefits, including Lyft ride discounts and concierge services.
• There are no foreign transaction fees when using the card abroad.
• Access to 24/7 customer support and fraud monitoring.
• Receive purchase protection for eligible items for up to 120 days.
• Enjoy auto rental coverage and extended warranty protection on eligible purchases.
• Earn a Dash Pass Anniversary bonus after spending $10,000 annually.
• Use Chase Offers for additional savings on eligible purchases.
• Automatically renew Dash Pass after meeting annual spending thresholds.

These highlights cover the most important aspects of the Door Dash Rewards MasterCard®, including its generous cashback rewards, unique benefits, and no annual fee. This makes it an appealing option for frequent DoorDash users and diners.

Rates and Fees of DoorDash Rewards MasterCard®

• Annual Fee: $0, no cost to own the card.
• APR for Purchases: 19.24% – 27.99% variable APR based on creditworthiness.
• Cash Advance APR: 29.99% variable APR.
• Cash Advance Fee: 5% of the amount (minimum $10).
• Late Payment Fee: Up to $40.
• Returned Payment Fee: Up to $40.
• Foreign Transaction Fee: $0. Enjoy using your card internationally with no extra fees.
• Balance Transfer Fee: 5% of the amount (minimum $5).
• Rewards Redemption: Redeem cash back for statement credit, gift cards, or DoorDash orders.
• Dash Pass Subscription: Free for the first year, then auto-renews at $96 per year.

See Full Rates and Fee

The Door Dash Rewards MasterCard® has no annual fee and offers flexible redemption options. Its APR for purchases varies depending on creditworthiness, and there are no fees for foreign transactions, making it a great choice for international use. However, be mindful of cash advances and late payment fees, as they can add up quickly.

Key Features of DoorDash Rewards MasterCard®

• 4% cash back on DoorDash and Caviar orders: This is one of the highest cashback rates in the food delivery category, which includes everything from restaurant meals to groceries and retail items.
• 3% cash back on dining: This rate applies to restaurant purchases made directly, allowing you to earn rewards when you dine out.
• 2% cash back on grocery store purchases: Whether you shop in-store or order online, you’ll earn 2% back.
• 1% cash back on all other purchases: You still earn rewards for purchases outside of the categories mentioned.
• Free DashPass membership: For the first year (valued at $96), which provides free delivery on eligible DoorDash
• There are no foreign transaction fees: Meaning you can use the card internationally without incurring additional charges.

This no-annual-fee credit card offers a high rewards rate in categories like food delivery and dining, making it especially attractive for people who frequently use DoorDash or order food for delivery.

How Do You Earn Cashback with the DoorDash Rewards Mastercard®?

One of the standout features of the DoorDash Rewards Mastercard® is its cashback structure, which allows you to earn substantial rewards across different spending categories. Here’s a deeper look into how you can maximize your earnings:

1. 4% Cash Back on DoorDash and Caviar Orders: When you use your DoorDash Rewards Mastercard® to make DoorDash or Caviar orders, you’ll earn a whopping 4% cashback. This includes:

• Restaurant meals: The 4% reward applies whether you’re ordering pizza from your favorite spot or enjoying fine dining delivered to your doorstep.
• Groceries: You can also earn 4% back on grocery items purchased via DoorDash or DashMart (the grocery delivery service available on the DoorDash app).
• Retail items: DoorDash orders involving pet supplies, electronics, or household goods also qualify for a 4% back.

This reward applies to every DoorDash order, and the best part is that there are no earning caps—you can keep racking up the rewards without worrying about limits.

2. 3% Cash Back on Dining: Dining at restaurants is another category where you can earn significant cash back. The DoorDash Rewards Mastercard® offers 3% cash back on dining purchases made directly at restaurants. This includes dine-in meals, takeout, and even food trucks or cafes. Whether you’re grabbing a quick bite at a local diner or enjoying a fine dining experience, you can earn rewards for every dollar you spend.
3. 2% Cash Back on Grocery Store Purchases: You’ll earn 2% cash back on grocery purchases, both in-store and online. This makes the DoorDash Rewards Mastercard® a great option for those who regularly shop for groceries and want to earn rewards for their spending. The flexibility of earning cash back on grocery store purchases, including both online and in-store purchases, adds to the card’s overall value.
4. 1% Cash Back on All Other Purchases: For purchases that don’t fall into the above categories, you’ll still earn 1% cashback. This applies to a wide variety of purchases, including general retail, entertainment, and even utilities. While it’s not as high a rate as the other categories, earning cash back on every purchase adds up over time.

How to Redeem Cash Back from the DoorDash Rewards Mastercard®?

The DoorDash Rewards Mastercard® offers several convenient ways to redeem your cash back. Whether you prefer to use it to save money on future DoorDash orders or turn it into a direct deposit, you have a range of options at your disposal:

1. Redeem for DoorDash and Caviar Orders: Your cashback rewards can be applied directly to your DoorDash or Caviar orders at checkout. You can use your rewards to cover all or part of your order, making it easier to save on food delivery services.
2. Statement Credit or Direct Deposit: If you prefer to use your cash back for other purposes, you can redeem it as a statement credit to reduce your balance or opt for direct deposit into your checking or savings account.
3. Gift Cards: The DoorDash Rewards Mastercard® also allows you to redeem your cash back for a variety of gift cards, including those for DoorDash, restaurants, retail stores, and more. This flexibility makes it easy to use your rewards for things you want.

Exclusive Benefits of the DoorDash Rewards Mastercard®

The DoorDash Rewards Mastercard® goes beyond cashback rewards. Here are some of the additional benefits that make this card a valuable tool for frequent DoorDash users and others looking for premium features:

1. Free DashPass Membership: For new card members, you receive a free year of DashPass (a $96 value) when you’re approved for the card. DashPass provides several benefits, including $0 delivery fees on eligible DoorDash orders, as well as reduced service fees. If you’re already a DashPass member, your free year will begin after your current membership expires.

Additionally, after spending $10,000 annually, you’ll receive a complimentary DashPass membership every year as part of the DashPass Anniversary bonus. This is perfect for those who plan to make DoorDash a regular part of their routine.

2. Mastercard World Elite® Benefits: As a Mastercard World Elite® cardholder, you’ll have access to exclusive Mastercard World Elite benefits, such as:

• Lyft ride discounts: Take three rides in a single month and pay with your DoorDash Rewards Mastercard® to receive a $5 Lyft credit.
• 24/7 concierge service: Need a reservation at a top restaurant or assistance finding something special? The concierge service is available around the clock to help with anything you need.
• Priceless Experiences®: With Mastercard Priceless Experiences®, you can enjoy exclusive access to virtual and in-person experiences across various interests, including dining, entertainment, and travel.

3. Additional Protection and Coverage: The DoorDash Rewards Mastercard® also provides a suite of purchase protection and travel benefits, including:

• Fraud alerts: Keep your account safe with 24/7 fraud monitoring and alerts for unusual purchases.
• Purchase protection: Up to $500 per item is covered if your eligible new purchases are damaged or stolen within 120 days.
• Auto rental coverage: Decline the rental company’s collision insurance when you use your card to rent a car, and you’ll be covered for theft and collision damage.
• Travel protection: If you need to cancel or shorten a trip due to unforeseen circumstances, you can be reimbursed up to $6,000 for covered expenses.

Who Should Get the Door Dash Rewards MasterCard®?

The Door Dash Rewards MasterCard® is an excellent choice for people who:

1. Regularly use DoorDash for food delivery, groceries, or retail purchases.
2. Dine out frequently and want to earn cash back on restaurant purchases.
3. Want a no-annual-fee credit card that doesn’t charge for the privilege of earning rewards?
4. Are you looking for MasterCard World Elite® benefits, including Lyft discounts, concierge service, and exclusive experiences
5. Want the flexibility to redeem rewards for Door Dash orders, gift cards, or direct deposits?

Comparison of Door Dash Rewards MasterCard®, Instacart MasterCard®, Chase Freedom Unlimited® Credit Card, and the Southwest Rapid Rewards® Plus Credit Card

If you fit any of these categories, the Door Dash Rewards MasterCard® could be a great addition to your wallet. It offers not only cash back but also convenience, protection, and exclusive perks.

When deciding on the best credit card for rewards, it’s essential to compare the benefits and rewards programs of various options. In this comparison, we’ll look at the Door Dash Rewards MasterCard®, Instacart MasterCard®, Chase Freedom Unlimited® Credit Card, and the Southwest Rapid Rewards® Plus Credit Card. Each card offers different perks and benefits that cater to various spending habits. Here’s how they stack up:

Comparison Analysis

1. The Door Dash Rewards MasterCard® offers impressive rewards with 4% cash back on Door Dash orders and 3% on dining. It stands out with no annual fee and perks like a free Dash Pass for one year.
2. The Instacart MasterCard® excels at earning 5% cash back on Instacart purchases (up to $6,000 annually) and 5% on Chase Travel purchases. It’s ideal for frequent Instacart shoppers but has lower dining rewards than others.
3. The Chase Freedom Unlimited® Credit Card offers 1.5% unlimited cash back on all purchases, with bonus categories like 3% on dining and 5% on travel. It also provides a strong $200 bonus for new users.
4. The Southwest Rapid Rewards® Plus Credit Card is tailored to frequent travelers. It offers 2X points on Southwest purchases and a large 50,000-point sign-up bonus after meeting the spending requirement.

Which Credit Card Delivers the Most Rewards?

If you’re a regular Door Dash user, the Door Dash Rewards MasterCard® offers excellent rewards with its 4% cash back on Door Dash and Caviar purchases. However, if you prioritize travel rewards, the Southwest Rapid Rewards® Plus Credit Card is the best option for earning points toward Southwest Airlines travel benefits. For a broader rewards program across various categories, the Chase Freedom Unlimited® Credit Card and Instacart MasterCard® both offer appealing benefits, with the Instacart MasterCard® being better suited for Instacart shoppers and the Chase Freedom Unlimited® Credit Card providing a versatile rewards structure for all spending.

When it comes to selecting a credit card, the Door Dash Rewards MasterCard® may seem like an attractive option for frequent Door Dash users. With impressive perks like 4% cash back on Door Dash and Caviar orders, 3% on dining, and a free year of Dash Pass, it’s clear that the card rewards food deliveries and dining. However, there are situations where you might want to consider other credit cards that offer broader rewards or better benefits depending on your spending habits.

Is the Door Dash Rewards MasterCard® Right for You? Maybe Not

1. Limited Earning Categories: The Door Dash Rewards MasterCard® offers generous rewards on food delivery and dining. However, if you spend more in other areas, like travel or groceries, you may find that different cards provide better overall rewards.
2. Spending Restrictions: The Door Dash Rewards MasterCard® is most beneficial for those who use Door Dash frequently, but if you don’t rely on food delivery services as much, the high rewards in that category may not be worth it.
3. Higher APR Range: The APR range of 19.24%-27.99% on the Door Dash Rewards MasterCard® might be higher than other credit cards, especially if you plan to carry a balance.

Best Alternative Credit Cards to Consider than DoorDash Rewards MasterCard®

1. Chase Freedom Unlimited® Credit Card: If you’re looking for more flexibility in earning rewards, the Chase Freedom Unlimited® Credit Card offers 1.5% cash back on every purchase, with 3% on dining and 5% on travel. Plus, the card has no annual fee and a $200 bonus after you spend $500 in the first 3 months.
2. Instacart MasterCard®: For those who shop regularly on Instacart, this card offers 5% cash back on Instacart purchases (up to $6,000 annually) and 5% on travel bookings through Chase. With no annual fee and other perks, it’s ideal for grocery shoppers and travelers.
3. Capital One Quicksilver One Cash Rewards Credit Card: For a straightforward cashback card, the Capital One Quicksilver One gives 1.5% cash back on every purchase, with no rotating categories. It’s perfect for those who want reliable rewards without keeping track of specific categories.
4. American Express Blue Cash Preferred® Card: If you spend a lot on groceries, the American Express Blue Cash Preferred® Card offers 6% cash back on groceries (up to $6,000 annually). It also provides 3% cash back on gas and transit, making it a great choice for grocery and travel expenses.

Frequently Asked Questions (FAQs)

Conclusion

The Door Dash Rewards MasterCard® is a solid option for anyone who frequently uses Door Dash for food delivery or shopping. With 4% cash back on DoorDash and Caviar orders, 3% cash back on dining, and 2% on grocery purchases, this card offers excellent rewards. Additionally, the free Dash Pass membership and MasterCard World Elite® benefits add significant value. If you’re someone who spends a lot on food and groceries, this card is a great way to earn cashback rewards while enjoying exclusive perks.

While the Door Dash Rewards MasterCard® is a solid choice for food delivery lovers, many other credit cards might better suit your needs, depending on your spending habits. If you prefer flexible cash back, travel rewards, or higher rewards on groceries, consider the Chase Freedom Unlimited®, Instacart MasterCard®, or Capital One Quicksilver One.