[DISCLOSURE: Cards from our partners are mentioned below.]
With the rise of food delivery apps and casual dining restaurants, there are more ways than ever to make a living in food delivery. But one major drawback of delivery driving—the cost of fuel—prevails.
Some credit cards can help delivery drivers put cash back in their pockets every time they stop at the gas pump, making their delivery gig more profitable.
Here are our top four picks for credit cards for food delivery drivers.
Rewards: 6% cash back on up to $6,000 in annual spending at US supermarkets; 3% cash back at US gas stations and select department stores; and 1% cash back on other purchases.
Welcome Offer: $200 statement credit if you spend $1,000 in the first three months.
Annual Fee: $95
Annual Percentage Rate (APR): 0% for 12 months on purchases, then 14.49%-25.49% Variable APR.
Why We Picked It: Delivery drivers earn great cash back rates at gas stations and beyond.
For Delivery Drivers: You’ll earn 3% cash back at all US gas stations (excluding merchants that don’t primarily sell gas, like supermarkets and wholesale clubs). If your vehicle breaks down, there’s a Roadside Assistance Hotline to bail you out.
Drawbacks: You must pay a $95 annual fee.
Rewards: 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases each quarter; 1% cash back on other purchases.
Sign-Up Bonus: Discover will match all cash back earned in the first year.
Annual Fee: $0
APR: 0% APR for 14 months on purchases and balance transfers, then 13.49% - 24.49% Variable on purchases & balance transfers APR.
Why We Picked It: You’ll earn double cash back on gas and dining expenses.
For Delivery Drivers: With 2% cash back at gas stations and restaurants, you’ll earn great rewards at the pump and when you pick up dinner on the way home. Plus, Discover’s first-year cash back match doubles the early value of this card.
Drawbacks: Your double cash back rate is limited to $1,000 in purchases each quarter.
Rewards: 4% cash back on up to $7,000 in eligible gas purchases each year (1% cash back on purchases beyond that threshold); 3% cash back on dining and qualifying travel purchases; 2% cash back at Costco and Costco.com; and 1% cash back on other purchases.
Sign-Up Bonus: None
Annual Fee: $0 with a paid Costco membership.
APR: 16.74%* (Variable)
Why We Picked It: Costco members will earn a strong cash back rate on gas.
For Delivery Drivers: You’ll get 4% cash back at eligible gas stations, which is pretty tough to beat. Costco and Costco.com purchases earn 2% cash back, so you can also save on Costco’s auto goods and services to keep your car in tip-top shape.
Drawbacks: You must be a Costco member to get this card.
4. Bank of America Cash Rewards
Rewards: 3% cash back on gas purchases and 2% cash back at grocery stores and wholesale clubs for up to $2,500 in combined quarterly purchases; 1% cash back on other purchases.
Sign-Up Bonus: $150 online cash reward bonus if you spend $500 in the first 90 days.
Annual Fee: $0
APR: 0% APR for twelve months on purchases and balance transfers, then variable 13.99% to 23.99% APR. Balance transfers must be made within 60 days of account opening.
Why We Picked It: This card earns a very competitive cash back rate at the pump.
For Delivery Drivers: You’ll earn 3% cash back on gas purchases, and the sign-up bonus has a fairly low spending limit. If you have a Bank of America checking or savings account, you get a 10% cash back bonus every time you redeem your rewards for an account deposit.
Drawbacks: To get the best value, you must be a Bank of America banking customer.
Choosing a Credit Card for Delivery Driving
If you always fill up at the same gas station chain, check to see if that brand offers its own rewards credit card. But if you aren’t loyal to one company, you’ll want a card that provides the same cash back rate at every gas station.
Many card providers also offer emergency roadside assistance with their cards, which can help you out in case of a vehicle breakdown. If you’re worried about a roadside emergency, look for a card that can offer roadside services.
If your primary focus is gas, you’ll want a card that provides the strongest fuel rewards. But if you spend a lot at many other merchant types, you may be better off with a card that rewards general spending.
What Credit Is Required for a Fuel Rewards Card?
Cards with great gas rewards usually require good to excellent credit. To increase your chances of approval, you should be reasonably confident in your credit qualifications before you apply. If you aren’t sure about your credit, you can check your credit report free at Credit.com.
At publishing time, the Blue Cash Preferred Card from American Express, Discover it Chrome, and Costco Anywhere Visa Card by Citi are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of these cards. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved, or otherwise endorsed by the issuer(s).
Note: It’s important to remember that interest rates, fees, and terms for credit cards, loans, and other financial products frequently change. As a result, rates, fees, and terms for credit cards, loans, and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees, and terms with credit card issuers, banks, or other financial institutions directly.