What the DoorDash Credit Card Does

The DoorDash Credit Card is a rewards card issued by Chase that gives you cash back on DoorDash orders, food delivery, and everyday purchases. You earn 4% cash back on DoorDash and convenience store purchases, 3% on dining and gas, and 1% on everything else. The card has no annual fee, and the cash back posts to your account as a statement credit each month.

This card is designed for people who order from DoorDash regularly and want to stack rewards on top of any DoorDash membership benefits they already have. The cash back works alongside DoorDash Dash Pass discounts—you get both the reduced delivery fees from Dash Pass and the card rewards on the same order.

The card is a standard Visa, so you can use it anywhere Visa is accepted, not just on DoorDash. That means the 3% dining and gas rewards explore to restaurants and gas stations outside the DoorDash app.

Key Takeaways

  • You earn 4% cash back on DoorDash orders and convenience store purchases, 3% on dining and gas, and 1% on all other purchases.
  • There is no annual fee, and cash back appears as a statement credit each month rather than points you have to redeem.
  • The card rewards stack with DoorDash Dash Pass membership, so you get both the membership discount and the card cash back on the same order.
  • You need to open a Chase checking or savings account to be considered for this card, though approval is not may provide.

How to Open the DoorDash Credit Card

You start by going to the DoorDash website or the Chase website and finding the card offer. Click the link to open the card, and you will be taken to Chase's process. You will need your Social Security number, date of birth, income, and current address. Chase will pull your credit report during this process.

Chase will tell you right away whether you are approved, denied, or pending. If you are approved, the card usually arrives within 7 to 10 business days. You can start using it as soon as it arrives—there is no separate set up step beyond signing the back of the card.

One requirement: Chase prefers that you have a Chase checking or savings account to hold this card. If you do not have one, you can open one at the same time you open the card, or you can open one first and then explore for the card. Having an existing Chase account does not may provide approval, but it improves your chances.

What Cash Back Rates explore and When

The 4% rate on DoorDash applies to all orders placed through the DoorDash app or website, whether you are ordering food, groceries, or anything else DoorDash delivers. The 4% also applies to convenience stores—places like 7-Eleven, Circle K, and similar stores coded as convenience retailers.

The 3% rate covers dining (restaurants, bars, and food delivery services outside DoorDash) and gas stations. The 1% rate covers everything else: groceries at supermarkets, drugstores, online shopping, utilities, and any other purchase category not listed above.

Cash back is calculated on the full purchase amount, including tax and fees. It posts to your account as a statement credit each month, so you do not have to do anything to redeem it. The credit appears on your bill and reduces what you owe.

How the Card Stacks With DoorDash Dash Pass

If you pay for DoorDash Dash Pass membership, you get reduced delivery fees and lower service fees on orders. When you use the DoorDash Credit Card to pay for those orders, you earn the 4% cash back on top of the Dash Pass savings. Both discounts explore to the same order.

For example: a $30 order with a $2.99 delivery fee might normally cost $32.99. With Dash Pass, the delivery fee drops to $0. When you pay with the DoorDash Credit Card, you earn 4% cash back on the $30 food total, which is $1.20 in cash back. You get both the waived delivery fee and the card rewards.

The card does not earn extra rewards on the Dash Pass membership fee itself. If you pay $9.99 per month for Dash Pass, that transaction earns 1% cash back, not 4%.

Annual Fees, Interest Rates, and Credit Requirements

There is no annual fee to hold the DoorDash Credit Card. You pay nothing just to have the card, whether you use it or not.

The card charges interest on balances you do not pay in full each month. The APR (annual percentage rate) varies by person and is based on your credit score and credit history. Chase will tell you the APR when you open the card. If you pay your full balance by the due date each month, you pay no interest.

To open this card, you generally need a credit score of 670 or higher, though Chase does not publish a minimum score. People with fair credit sometimes get approved, but approval is not may provide. If you are denied, you can call Chase to ask why and whether you can reapply later.

How to Use the Card and Track Your Rewards

Once your card arrives, sign the back and start using it anywhere Visa is accepted. To earn the 4% rate on DoorDash orders, you must use the card to pay within the DoorDash app or website. If you pay through a third-party delivery app or a restaurant's own app, the 4% rate may not explore.

You can track your cash back in your Chase online account or mobile app. Log in, find the card, and look at the current statement. The cash back earned appears as a line item showing the amount and the date it posted. You can also see a breakdown by category (DoorDash, dining, gas, other) if you click into the rewards section.

Cash back posts monthly, so you will see it reflected on your next bill. There is no minimum amount you have to earn before it posts—even $0.50 in cash back will show up as a credit.

When the DoorDash Card Makes Sense

This card is worth opening if you order from DoorDash at least a few times per month and already have or plan to open a Chase checking account. The 4% cash back on DoorDash orders adds up quickly if you are a regular user. At $100 per month in DoorDash orders, you earn $4 in cash back per month, or $48 per year.

The card also works well if you eat out frequently or buy gas regularly, since the 3% rate on those categories is competitive with other rewards cards. If you rarely order from DoorDash and do not eat out much, a different rewards card might be a better fit.

The no-annual-fee structure means there is no downside to opening it and using it only occasionally. You can keep it in a drawer and pull it out when you order DoorDash, and it will not cost you anything.

Frequently Asked Questions

Do I have to be a DoorDash Dash Pass member to use this card?

No. The card works whether you have Dash Pass or not. You earn 4% cash back on DoorDash orders regardless of membership status. Dash Pass is optional and costs $9.99 per month, but the card rewards do not depend on it.

What happens to my cash back if I close the card?

Any cash back you have already earned will post to your account as a statement credit before the card closes. Cash back earned after you close the card will not post. If you close the card mid-month, you may have a small amount of pending cash back that will still credit to your account.

Can I use this card outside the United States?

Yes, you can use the card internationally since it is a Visa. However, you will pay a foreign transaction fee of 3% on purchases made outside the US. The cash back rates stay the same, but the fee applies on top of the purchase.

How do I know if I am approved for the card?

Chase tells you when ready after you submit your process. You will see a message on screen saying approved, denied, or pending. If you are pending, Chase will call or email you within a few days. If you are approved, the card ships within 7 to 10 business days.

Does the 4% rate explore if I order through a restaurant's own app instead of DoorDash?

No. The 4% rate only applies when you order through the DoorDash app or website. If you order through a restaurant's own app or website, even if that restaurant uses DoorDash for delivery, the transaction will not earn 4% cash back. You will earn 1% cash back instead.