The DoorDash Rewards Mastercard® rewards DoorDash and Caviar orders with bonus cash back, plus includes one year of free DashPass membership. The card requires significant annual spending to maintain DashPass benefits after the first year, making it most useful for those who frequently use the delivery service.
This credit card review will cover everything you need to know about this card to determine if you should add this card or a different card to your wallet. Let’s dive right in.
Welcome Bonus
The DoorDash Mastercard currently offers the following welcome bonus: bonus_miles_full
Earning Cash Back
The DoorDash Mastercard earns cash back at the following rates:
This card offers decent earning rates for DoorDash loyalists but falls short compared to premium dining cards that offer similar or better rewards across all restaurants.
While the 4% on DoorDash orders stands out, you can earn higher rates on dining and groceries with other no-annual-fee cards that provide more flexible redemption options.
The 1% base rate on other purchases makes this card less appealing for everyday spending, suggesting it works best as a supplementary card specifically for DoorDash orders.
No Annual Fee
The DoorDash Rewards Mastercard comes with no annual fee, which makes it an accessible option for frequent DoorDash users.
You’ll get valuable benefits like a complimentary DashPass membership for the first year (worth $96), and you can maintain this membership in subsequent years by spending $10,000 annually on the card.
DoorDash Card Benefits and Perks
Below are all the card benefits of the DoorDash Mastercard:
DashPass: Receive a complimentary DashPass membership ($96 value) if you spend $10,000 card spend in an account year. DashPass members enjoy $0 delivery fees, reduced service fees, and exclusive benefits on every eligible order. Membership auto-renews if you don’t have qualifying spend.
No Foreign Transaction Fees: You’ll save money on every purchase while traveling internationally since this card doesn’t add the typical 3% surcharge that many other cards impose.
Secondary Rental Car Insurance: This card provides backup protection for rental car damage or theft when you charge the full rental to your card.
Extended Warranty Protection: Your purchases gain an extra year of warranty protection when bought with this card, extending manufacturer warranties of three years or less without the inflated prices of store warranty plans.
120-Day Purchase Protection: Get 120 days of protection against damage, theft, and even loss of your purchases – one of the longest windows available. This premium coverage automatically applies when you pay with your card.
Trip Cancellation & Interruption Insurance: This protection reimburses you for non-refundable, prepaid travel expenses if you need to cancel before departure or cut your trip short due to covered situations like severe illness or weather events. Coverage activates when you pay for your trip with the card, but it’s important to note that reimbursement only applies for specific covered reasons rather than any cancellation.
World Elite Benefits: This card is a World Elite Mastercard, which gets you access to these special benefits and discounts: DoorDash ($5 off your first DoorDash order each month), Lyft (Take 3 rides in one month and earn a $5 Lyft credit), Shoprunner (free two-day shipping), and Fandango (spend $20 and get $5 back).
Redeem Rewards
The DoorDash credit card gives you multiple ways to redeem your cash back rewards directly through your DoorDash account.
You’ll earn DoorDash credits that automatically apply to your next eligible order, making redemption extremely simple.
For maximum flexibility, you can also redeem your rewards for statement credits or direct deposits to your bank account.
If you’re a frequent DoorDash user, converting your rewards into DoorDash credits offers the most straightforward value since they apply automatically to future orders.
Advantages and Disadvantages
Here’s a quick overview of this card’s advantages and disadvantages:
Pros:
No Annual Fee: You’ll pay nothing to keep this card in your wallet while still earning rewards on your purchases and getting useful benefits.
Strong Delivery Earnings: The 4% cash back rate on DoorDash and Caviar orders provides solid value for frequent delivery customers.
Food-Focused Rewards: The 3% back on restaurant purchases and 2% on groceries provides decent earnings across all food spending.
Cons:
High DashPass Requirement: You must spend $10,000 annually to maintain DashPass benefits after the first year, which is a steep threshold for a no-annual-fee card.
Limited Redemption Options: While you can redeem for cash back or DoorDash credits, the card lacks travel transfer partners or other valuable redemption choices.
Platform Lock-in: The card’s best benefits and earning rates are tied specifically to DoorDash/Caviar, making it less valuable if you use other delivery services.
Redundant DashPass Benefit: Many other Chase cards offer complimentary DashPass membership, making this benefit less valuable if you already have another Chase card.
Alternatives to the DoorDash Mastercard
Now that you know about this credit card’s various benefits and pros and cons, it’s time to see its alternatives.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card (review) is one of the most popular travel rewards cards because it offers nice welcome bonus and extra points on travel and dining, which can be transferred to airline and hotel partners or redeemed directly for travel at a rate of 1.25 cents per point through Chase Travel℠. The Sapphire Preferred also offers great travel and purchase protections for a card with a $95 annual fee. Welcome Bonus: bonus_miles_full Earning Rewards: 5x points on travel purchased through Chase Travel, 3x points on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2x points on all other travel purchases, and 1 point per dollar on all other purchases. Card Benefits: Ability to transfer to airline and hotel partners, 25% bonus when redeeming points through Chase Travel, $50 annual hotel stay credit via Chase Travel, 10% anniversary points bonus, no foreign transaction fees, primary rental car insurance, trip delay insurance, trip cancellation insurance, baggage delay insurance, purchase protection, and extended warranty. Transfer Partners: Aer Lingus, Air Canada Aeroplan, British Airways, Emirates, Air France KLM Flying Blue, Hyatt, IHG, Iberia, JetBlue, Marriott, Singapore KrisFlyer, Southwest, United, and Virgin Atlantic.
American Express® Gold Card
The American Express® Gold Card (review) is a great card for earning points at restaurants, U.S. supermarkets, and flights booked directly with airlines. Cardholders can also enjoy up to $424 in annual credits and nice travel and purchase protections. Earning Points: 4x points at restaurants worldwide, on up to $50,000 in purchases per calendar year (then 1x points); 4x points at U.S. supermarkets on up to $25,000 in purchases per calendar year (then 1x points); 3x points on flights booked directly with airlines or on AmexTravel.com; 2x points on prepaid hotels and other eligible purchases booked on AmexTravel.com; 1x points on all other eligible purchases. Benefits: Transfer Partners: Aer Lingus, AeroMexico, Air Canada Aeroplan, ANA, Avianca LifeMiles, British Airways, Cathay Pacific, Choice Privileges, Delta, Emirates, Etihad, Air France – KLM Flying Blue, Hawaiian Airlines, Hilton, Iberia, JetBlue, Marriott, Qantas, Qatar Airways, Singapore KrisFlyer, and Virgin Atlantic.
Chase Freedom Unlimited®
The Chase Freedom Unlimited® (review) sets itself apart with 1.5% back on non-bonus purchases, plus higher rewards in select categories including dining and travel. This flexible rewards card becomes even more valuable when paired with a premium Chase card, allowing you to transfer your rewards to travel partners. Welcome Bonus: bonus_miles_full Earning Cash Back: 5% back on travel purchased through Chase Travel℠; 3% back on dining at restaurants, including takeout and eligible delivery services; 3% back on drugstore purchases; 1.5% back on all other purchases CaBenefits: Purchase protection, extended warranty, trip cancellation and interruption insurance, secondary rental car insurance, and 0% intro APR for 15 months from account opening on purchases and balance transfers, after that reg_apr,reg_apr_type APR applies; 
Is the DoorDash Worth It?
I can’t recommend the DoorDash Rewards Mastercard® even for frequent delivery users, as the rewards structure is too restrictive and underwhelming compared to other no-annual-fee cards on the market.
The 4% back on DoorDash orders might sound good at first, but you can actually get better value from cards that offer broader dining rewards and more flexible redemption options.
The included DashPass membership provides minimal value since it’s a benefit available through several other credit cards.
I find the card particularly limiting since you’re restricted to earning bonus rewards within the DoorDash ecosystem, while other cards offer similar dining rewards that can be used anywhere.
Looking at the bigger picture, you’d be better off with a general dining rewards card that gives you the freedom to earn and redeem rewards however you choose, rather than being locked into just one delivery platform.
For rates and fees of the American Express® Gold Card, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
