For frequent users of DoorDash, the DoorDash Rewards Mastercard can be a valuable addition to your wallet, offering significant rewards on your food delivery orders and everyday spending. Issued by Chase, this co-branded credit card is designed to enhance your DoorDash experience while providing benefits that extend beyond just mealtime.
Key Features and Benefits
The DoorDash Rewards Mastercard stands out with its tiered rewards structure, focusing heavily on DoorDash purchases but also providing solid returns on other common spending categories.
Rewards Earning:
- 4% cash back on DoorDash and Caviar orders: This is the flagship benefit, making the card incredibly rewarding for those who regularly use DoorDash for food delivery or pick-up. Caviar, a premium food delivery service, is also included in this category, offering a wider range of dining options.
- 3% cash back on dining (when purchased directly from a restaurant): This includes everything from sit-down meals to fast food, as long as the purchase is made directly with the restaurant and not through a third-party app other than DoorDash or Caviar.
- 2% cash back on groceries: This broad category covers purchases at supermarkets, grocery stores, and even some specialty food stores, making it a strong contender for everyday spending.
- 1% cash back on all other purchases: For all other expenditures not covered by the higher reward tiers, you’ll still earn a respectable 1% cash back.
Welcome Offer:
New cardmembers can often enjoy a generous welcome bonus. While the specific offer can vary, it typically involves earning a significant amount of cash back after meeting a certain spending requirement within the first few months of account opening. For example, a common offer might be to earn $100 cash back after spending $500 on purchases in the first three months. It’s crucial to check the most current offer when applying, as these can change.
DashPass Benefits:
One of the most appealing perks of the DoorDash Rewards Mastercard is the complimentary DashPass membership. DashPass is DoorDash’s subscription service that provides:
- $0 delivery fees on eligible orders over a certain subtotal.
- Reduced service fees on eligible orders.
- Exclusive offers and promotions for DashPass members.
Typically, this complimentary DashPass membership is offered for a set period, such as one year, and then renews annually as long as you meet certain spending criteria or continue to use your card for DoorDash purchases. This can lead to substantial savings on delivery and service fees over time, especially for frequent users.
Other Notable Benefits:
- No annual fee: This is a significant advantage, as it means you can enjoy all the card’s benefits without worrying about an annual cost eating into your rewards.
- Mastercard World Elite Benefits: As a World Elite Mastercard, the card may come with additional perks such as:
- Concierge services: Assistance with travel planning, event tickets, and more.
- Travel and purchase protections: Including things like trip cancellation/interruption insurance, baggage delay insurance, and extended warranty protection on eligible purchases. (It’s important to review the specific guide to benefits for your card to understand the full scope of these protections, as they can vary).
- Cash back redemption flexibility: Your earned cash back can typically be redeemed as a statement credit, direct deposit into a checking or savings account, or for DoorDash credits.
Who is This Card For?
The DoorDash Rewards Mastercard is ideal for individuals who:
- Order from DoorDash frequently: If you find yourself using DoorDash multiple times a month, the 4% cash back and complimentary DashPass can lead to substantial savings and rewards.
- Dine out often: The 3% cash back on dining directly from restaurants is a solid earning rate for those who enjoy eating out.
- Spend regularly on groceries: The 2% cash back on groceries makes it a competitive option for everyday household spending.
- Prefer a no-annual-fee credit card: This card allows you to maximize rewards without incurring an annual cost.
- Are looking for a simple, straightforward rewards program: The tiered cash back system is easy to understand and manage.
Potential Drawbacks to Consider
While the DoorDash Rewards Mastercard offers many advantages, there are a few points to consider:
- Reward focus: The highest reward rate is specific to DoorDash and Caviar. If you rarely use these services, other general cash back cards might offer more diversified rewards.
- Foreign transaction fees: If you travel internationally, be aware that this card may charge foreign transaction fees, which typically range from 2% to 3% of the transaction amount. This can add up quickly.
- Credit score requirement: Like most rewards credit cards, a good to excellent credit score is generally required for approval.
How to Apply for the DoorDash Rewards Mastercard
Applying for the DoorDash Rewards Mastercard is a straightforward process, typically done online through the Chase website or a dedicated DoorDash/Chase partnership page.
Here’s a general step-by-step guide on how to apply:
- Visit the Official Application Page:
- Navigate to the official Chase website (chase.com) and search for the DoorDash Rewards Mastercard.
- Alternatively, you might find a direct link to the application page on the DoorDash website or through promotional emails from DoorDash.
- Review the Card Details and Welcome Offer:
- Before starting the application, carefully read through the current offer, including the welcome bonus, reward rates, and any terms and conditions. Ensure you understand all the features.
- Click “Apply Now” or “Apply Online”:
- This button will typically lead you to the secure online application form.
- Provide Personal Information:
- You will be asked to provide standard personal details, including:
- Full Legal Name: As it appears on your government-issued ID.
- Date of Birth: To verify your age.
- Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN): Required for credit checks.
- Residential Address: Your current mailing address.
- Contact Information: Phone number and email address.
- You will be asked to provide standard personal details, including:
- Provide Financial Information:
- You will also need to disclose information about your income and employment:
- Total Annual Gross Income: This is your income before taxes and deductions. Include all sources of income that you can reasonably access, such as salary, wages, investment income, and any reliable household income if applicable.
- Employment Status: (e.g., employed, self-employed, student, retired).
- Housing Status: (e.g., own, rent, other).
- Monthly Housing Payment: Your rent or mortgage payment.
- You will also need to disclose information about your income and employment:
- Review and Submit Your Application:
- Carefully review all the information you’ve entered to ensure it is accurate and complete. Any errors could delay your application.
- Read and agree to the terms and conditions, including the privacy policy and credit card agreement.
- Click the “Submit” or “Apply” button.
- Application Decision:
- In many cases, you might receive an instant decision on your application.
- If not, Chase may need to review your application further. You might receive a notification that your application is under review, and you’ll typically be informed of the decision via email or postal mail within a few business days.
- Sometimes, Chase may request additional documentation to verify your information.
Important Tips for Applying:
- Check Your Credit Score: Before applying, it’s a good idea to check your credit score. A good to excellent credit score (typically FICO 670+) increases your chances of approval for a rewards credit card like this.
- Be Honest and Accurate: Provide truthful and accurate information on your application.
- Understand the Terms: Make sure you fully understand the interest rates, fees, and other terms associated with the card before you apply.
The DoorDash Rewards Mastercard can be a powerful tool for DoorDash enthusiasts, turning everyday purchases into valuable rewards. By understanding its features and the application process, you can determine if this card is the right fit for your spending habits and financial goals.
