Along with takeout, getting delivery from your favorite restaurant is increasingly popular, especially with services like UberEats and GrubHub gaining popularity. With delivery, you don’t even have to leave your house to enjoy your favorite meal. You can have nearly anything you feel like eating delivered to your house; however, earning rewards with credit cards for restaurants on those purchases could be a little trickier.
If you order directly from a restaurant and your meal is delivered by someone from that restaurant, you should still earn rewards in the same way you would if you actually dined there. It's when you use a third-party delivery service that could complicate things. Depending on your credit card, these delivery services might not always be coded as dining. UberEats might code as dining or restaurants with one issuer, allowing you to earn any bonus rewards you’d usually earn for dining out at restaurants (even though you had dinner delivered), while another issuer could code this as something else. In general, we've seen that the most popular food-delivery services are almost always coded as dining, but it's always best to check your card's fine print or contact the issuer if you have additional questions or concerns.
Occasionally, you'll even see certain credit cards for restaurants rewarding you with delivery service perks. For instance, the CardName offers cardholders unlimited food deliveries with a $0 delivery fee and reduced service fees on qualifying DoorDash orders.