If you’re ordering delivery or takeout directly from a restaurant, you’ll still earn dining rewards since the merchant will ring up on your card as a purchase from that restaurant. However, some cards may not earn boosted rewards from your dining category if you pay via a third-party delivery service like Uber Eats, DoorDash or GrubHub.
In these cases, it’s best to read your credit card rewards program’s fine print carefully to be sure whether your purchase is eligible for rewards. Some cards’ dining categories specifically mention that these delivery services are covered — like how the Amex Gold’s restaurant category claims Uber Eats purchases — but it’s worth paying attention to the specific delivery service’s MCC and seeing how it’s classified on your billing statement.
For reference, Chase’s dining/restaurant category also claims that delivery services will also earn rewards if their MCC falls within that category. Capital One’s dining terms don’t specifically mention delivery services while the Citi Custom Cash card’s restaurant category states “third party dining services” won’t earn rewards (although there have been reports disregarding this). On the bright side, Bank of America’s category terms mention GrubHub by name as an eligible dining merchant.