DoorDash Rewards Mastercard®

Quick Snapshot

• Annual Fee: $0
• APR: 20.49%-28.49% variable
• Rewards: 4% on DoorDash, 2% on dining, 1% on everything else
• Bonus: None (DashPass membership included)
• Best For: Regular DoorDash users who want cash back on food delivery and complimentary DashPass
• Credit Needed: Good to Excellent (670+)

Overview

The DoorDash Rewards Mastercard is a no-annual-fee credit card built for the food delivery generation, earning 4% back on all DoorDash and Caviar orders, 2% on dining at restaurants, and 1% on everything else. For anyone who orders through DoorDash regularly, the 4% rate turns delivery orders into meaningful cash back savings.

The headline perk is a complimentary DashPass membership, which normally costs $9.99 per month ($120 per year). DashPass eliminates delivery fees and reduces service fees on orders over $12 from eligible restaurants, which can save heavy users $200-$400 per year depending on order frequency. Combined with the 4% cash back, the card creates a compounding savings loop for DoorDash loyalists.

While there is no traditional welcome bonus, the DashPass membership serves as the first-year value proposition. The 2% dining category extends the food theme beyond DoorDash to in-person restaurant visits, making the card a solid choice for anyone whose spending skews heavily toward food. For DoorDash users who order two or more times per week, this card is a no-brainer addition to the wallet.

APR Breakdown

• Purchase APR: 20.49%-28.49% variable
• Balance Transfer APR: 20.49%-28.49% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: None

Note: Your APR will vary with the market based on the Prime Rate. There is no penalty APR, but a late payment fee may apply.

Benefits Overview

DoorDash Perks

• 4% back on all DoorDash and Caviar orders
• Complimentary DashPass membership (normally $9.99/month)
• $0 delivery fees on DashPass-eligible orders over $12
• Reduced service fees on all DashPass orders
• No caps on the 4% DoorDash earning rate

Dining and Everyday Earning

• 2% back on dining at restaurants including takeout
• 1% back on all other purchases
• Cash back redeemable as statement credits
• No minimum redemption threshold

Cardholder Benefits

• No annual fee
• No foreign transaction fees
• Zero liability on unauthorized purchases
• Mastercard World benefits including price protection
• Extended warranty on eligible purchases

Rewards & Points

• 4% back on DoorDash and Caviar orders
• 2% back on dining at restaurants
• 1% back on all other purchases

Cash back is earned as a percentage and redeemed as statement credits. The complimentary DashPass membership eliminates delivery fees on eligible orders over $12 and reduces service fees, saving approximately $4-$5 per order for frequent users. DashPass benefits continue as long as the card remains open and in good standing.

Welcome Bonus

There is no traditional spending-based welcome bonus. Instead, new cardmembers receive complimentary DashPass membership, valued at $120 per year ($9.99/month). DashPass provides $0 delivery fees on orders over $12 from eligible DoorDash and Caviar restaurants, along with reduced service fees and exclusive member deals.

Fees Summary

• Annual Fee: $0
• Balance Transfer Fee: 5% (min $5)
• Cash Advance Fee: 5% (min $10)
• Foreign Transaction Fee: $0
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• DoorDash regulars who order food delivery through DoorDash multiple times per week
• DashPass subscribers who currently pay $9.99/month for DashPass and can eliminate that cost
• Food enthusiasts who spend heavily on both delivery and in-person dining
• Convenience seekers who value complimentary delivery perks and cash back on their existing habits

Not Good For

• Infrequent DoorDash users who order delivery rarely and would not benefit from the 4% rate or DashPass
• Welcome bonus seekers who want a large sign-up bonus for applying
• Travel rewards enthusiasts who prefer airline miles or hotel points over cash back
• Broad category spenders who want bonus rates on gas, groceries, or transit beyond just dining

Key Pros & Cons

Pros

• 4% back on all DoorDash and Caviar orders is the highest rate for food delivery
• Complimentary DashPass membership saves $120/year on delivery and service fees
• 2% on dining covers in-person restaurant spending alongside delivery
• No annual fee makes it free to hold
• No foreign transaction fees
• DashPass eliminates delivery fees on orders over $12
• No caps on the 4% DoorDash earning rate
• Simple cash back with easy statement credit redemption
• Mastercard World benefits including price protection and extended warranty

Cons

• No welcome bonus beyond the DashPass membership
• 4% rate only applies to DoorDash and Caviar, not other delivery apps
• 1% base rate on non-food spending is low
• No bonus categories for gas, groceries, or transit
• No travel benefits, lounge access, or trip insurance
• No 0% intro APR offer for purchases or balance transfers
• DashPass benefit may change or be modified over time
• Limited to cash back; no points transferable to travel partners

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

Total estimated first-year value: $524 including DashPass membership value. Based on approximately $400/month in DoorDash orders and 2 orders per week. DashPass delivery fee savings assume approximately $5 saved per order on 2 orders per week.

Should You Get This Card?

You Should Get It If...

• You order through DoorDash two or more times per week
• You currently pay for DashPass and want to eliminate that $9.99 monthly cost
• You dine out frequently and want 2% back on restaurant meals
• You want a no-annual-fee card that rewards your food delivery habits
• You value the convenience of complimentary DashPass benefits

You Should Skip It If...

• You order through DoorDash fewer than a few times per month
• You prefer other delivery apps like Uber Eats or Grubhub
• You want a substantial welcome bonus for signing up
• You want bonus earning on gas, groceries, or transit categories
• You prefer travel rewards or transferable points over cash back
• You want a higher base earning rate on non-food spending

Apply Now

Apply for DoorDash Rewards Mastercard®

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.