Best No Annual Fee Card for DoorDash
DoorDash orders typically code as dining. Some premium cards even include free DashPass as a perk. These cards carry no yearly cost — every dollar of rewards is pure profit.
Top no annual fee picks for DoorDash

Hilton Honors American Express Card
5x on RestaurantsAmerican Express · No annual fee
The best no-annual-fee hotel card for casual Hilton guests. Earn 7x points at Hilton properties and 5x on restaurants, supermarkets, and gas stations. Automatic Silver status gives you perks like 5th-night-free on reward stays. Points are worth ~0.5¢ each.
U.S. Bank Altitude Go Visa Signature
4x on DiningU.S. Bank · No annual fee
One of the best no-annual-fee dining cards available. Earn an uncapped 4x points on dining purchases, plus 2x on groceries, streaming, gas, and EV charging. The intro APR and no foreign transaction fees sweeten the deal.

Brex Card
4x on RestaurantsBrex · No annual fee
A charge card designed for startups and tech companies. Incredible bonus categories (8x rideshare, 5x travel, 4x dining) and built-in expense management. No personal guarantee and no annual fee, but you must pay the balance in full each month.
Bilt Mastercard
3x on DiningWells Fargo · No annual fee
The only credit card that lets you earn rewards on rent payments with zero processing fee. Renters paying $1,500/month earn 18,000 points/year on rent alone — worth $180+ toward travel or potentially more via transfers to American Airlines, United, Hyatt, and other premium partners. The no-annual-fee structure is exceptional given the transfer options.

Chase Freedom Flex
3% on DiningChase · No annual fee
One of the best no-annual-fee cards available, combining 5% rotating bonus categories with a permanent 3% on dining and drugstores. When paired with a Chase Sapphire card, cash back converts to transferable Ultimate Rewards points worth 1.25–1.5 cents each — dramatically increasing value. Cell phone protection is a bonus you won't find on most free cards.

Chase Freedom Unlimited
3% on DiningChase · No annual fee
Earn 5% on Chase Travel, 3% on dining and drugstores, and an unlimited 1.5% on all other purchases with no annual fee. When paired with a Sapphire card, points become fully transferable to 14 airline and hotel partners — making this one of the best zero-fee companion cards in the market.

Capital One SavorOne
3% on DiningCapital One · No annual fee
Earn 3% cash back on dining, entertainment, popular streaming services, and grocery stores — four high-value categories covering most everyday spending — all with no annual fee. One of the few no-fee cards offering both grocery and dining bonuses simultaneously, ideal for households that eat out and cook at home.

Costco Anywhere Visa by Citi
3% on Travel & diningCiti · No annual fee
If you already have a Costco membership, this card is essentially free and earns some of the best rates available — 4% on gas, 3% on travel and dining, 2% at Costco. Heavy drivers can earn hundreds per year on gas alone. Rewards paid annually in February, usable at Costco or redeemable for cash.
Annual value math — Hilton Honors American Express Card at DoorDash
Typical spend
$1,800
per year at DoorDash
Earn rate
5x
on Restaurants
Annual value
$135
rewards earned per year
Pro tips for maximizing rewards at DoorDash
- Chase Sapphire Reserve includes complimentary DashPass
- Orders code as 'Dining' for most issuers
- Tip generously — it also earns bonus rewards
More card picks for DoorDash
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Frequently asked questions
What is the best no annual fee credit card for DoorDash?⌄
Our top pick is the Hilton Honors American Express Card — it's a no annual fee card that earns 5x on Restaurants, which applies to DoorDash purchases. With typical spending of $1,800/year at DoorDash, that's about $135/year in rewards.
Do DoorDash purchases count as Dining?⌄
DoorDash purchases typically code as Dining or Restaurants or Food Delivery depending on the issuer. Card networks determine merchant category codes (MCC), so coding can vary between Visa and Mastercard for the same retailer.
Is a no annual fee card worth it just for DoorDash?⌄
Yes — no-fee cards carry zero downside, so any rewards earned at DoorDash are pure upside.
Any pro tips for using a card at DoorDash?⌄
Chase Sapphire Reserve includes complimentary DashPass Orders code as 'Dining' for most issuers Tip generously — it also earns bonus rewards
How much can I earn per year on DoorDash with a no annual fee card?⌄
At the typical DoorDash spend of $1,800/year and the 5x earn rate on our top pick, you'd earn about $135/year — more than enough to justify the card.