Chase
DoorDash Rewards Mastercard
Earn 4% cash back on DoorDash orders and get a free year of DashPass. No annual fee with 3% on dining and 2% on groceries.
Annual fee
None
Top rate
4x online shopping
Welcome bonus
$96
Quick look
DashPass included
Free year of DashPass with no annual card fee
3.8
out of 5
Rewards
Fees
Welcome bonus
Perks
Value
Overall score is a weighted average: Rewards 20% · Fees 20% · Welcome bonus 20% · Perks 20% · Value 20%.
Ideal for
Regular DoorDash and Caviar users with good credit who want a no-fee card that pays its way through delivery rewards.
The verdict
This card works hard for one specific audience: people who regularly order from DoorDash and have the credit score (700+) to qualify. The 4% on DoorDash orders plus a free year of DashPass ($96 value) makes sense if that's how you eat. The 3% on dining and 2% on groceries fill gaps, and the zero annual fee removes any friction to holding it. But that's the whole pitch. If you rarely use DoorDash or prefer local restaurants, the card's rewards flatten to 1% on everything else—not competitive with flat-rate alternatives like the Capital One Quicksilver. This is a specialist card, not a workhorse.
The 700+ credit requirement also gates access for anyone still building credit. For those who clear the bar and genuinely use DoorDash, it's worth a slot in your wallet. For everyone else, move on.
Pros
- No annual fee eliminates the need to justify keeping it, unlike premium cards requiring $95+ spend to break even
- 4% on DoorDash and Caviar covers food delivery orders with no spending caps or bonus categories you need to activate
- Free year of DashPass ($96 value) is a tangible sweetener that covers the membership cost for frequent users
- 3% on direct restaurant dining (when you bypass delivery apps) rewards dine-in meals and takeout
Cons
- Requires 700+ credit score, leaving it inaccessible to anyone building or rebuilding credit
- No introductory APR offer, so carrying any balance incurs the full variable rate (18.24%–27.74%) from day one
- Flat 1% on non-bonus categories lags flat-rate cashback cards (Capital One Quicksilver's 1.5%, VentureOne's 1.25%)
- DoorDash ecosystem lock-in: if you stop using the platform or switch to rivals like Uber Eats or Grubhub, the card's main appeal evaporates
Reward rates
| Category | Rate | Details |
|---|---|---|
| Online shopping | 4x | 4% cash back on DoorDash and Caviar orders |
| Dining & restaurants | 3x | 3% cash back on dining when purchased directly from a restaurant |
| Groceries | 2x | 2% cash back on grocery stores online or in-store |
| Everything else | 1x | 1% cash back on all other purchases |
The 4% on DoorDash is the headline, and it's earned broadly—no enrollment or activation required. The 3% on dining applies only when purchased directly from the restaurant (not through a delivery app), a constraint worth knowing. The 2% on groceries is respectable but ranks 19th in the catalog; the 1% on everything else ranks 33rd, well below flat-rate alternatives. This card rewards a narrow lifestyle, not a broad spending pattern.
Fees and APR
Does it pay for itself?
Zero annual fee means this card pays for itself if you use it, unlike premium cards requiring hundreds in annual spend to justify their fees. The DashPass membership alone ($96 if paid separately) covers the first year's opportunity cost. For frequent DoorDash users, there's no reason not to hold it.
Welcome bonus
Is it worth chasing?
The free DashPass covers Chase's marketing cost and slots neatly into the card's thesis: if you're already a heavy DoorDash user, you likely pay for DashPass separately, so this bonus eliminates a recurring expense. The 10% monthly credit (capped at $15) adds modestly to the value—roughly $180 annually for an active user. Neither component requires minimum spending, removing friction for approval.
Similar cards
Flat 1.5% cash back on all purchases with no categories to track; better if you don't use DoorDash heavily
1.5% cash back on all purchases plus occasional 5% rotating categories; stronger all-around earnings if you're not a DoorDash devotee
Frequently asked questions
Do I need to enroll in the DashPass benefit or does it activate automatically?
The free DashPass activates automatically upon card approval. You'll receive a notification with your DashPass account linked to your card. No separate enrollment step required. After the first year, you'll be charged the membership fee unless you cancel.
What happens after the free year of DashPass ends?
The complimentary membership expires after 12 months, and you'll be charged the standard DashPass subscription fee ($9.99/month or $96/year) unless you cancel or pause the subscription. There's no automatic renewal at a discounted rate, so mark your calendar if you don't plan to keep it paid.
Does the 4% cash back apply to orders placed through other delivery apps on the Caviar platform?
The 4% rate applies specifically to purchases on DoorDash and Caviar (which DoorDash owns). Orders through competing apps like Uber Eats or Grubhub will earn only 1% cash back as "all other purchases." This is a meaningful limitation if you switch platforms or order from multiple delivery services.
Is there an introductory APR offer if I want to transfer a balance from another card?
No. The DoorDash card has no promotional APR on purchases or balance transfers, so any balance you carry accrues interest at the variable rate (18.24%–27.74%) immediately. This card is designed for monthly payoff, not balance-carrying.
How does the 3% dining category work—does it include food delivery apps?
The 3% category only applies when you purchase directly from a restaurant (e.g., calling a pizzeria to order, or ordering through a restaurant's own website). Delivery apps like DoorDash (which would earn the 4% rate instead) and Uber Eats don't qualify for the 3% rate—they fall under the 1% catchall unless they're placed through DoorDash, in which case the 4% applies.
Reviewed by YoungerFinance Editorial · Last updated August 11, 2026