4 Credit Cards for Food Delivery Drivers

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[Disclosure: Cards from our partners are reviewed 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.

1. Blue Cash Preferred Card from American Express

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.
Sign-Up Bonus: $200 statement credit if you spend $1,000 in the first three months.
Annual Fee: $95
Annual Percentage Rate (APR): 0% APR for 12 months on purchases and balance transfers, then variable 13.99% to 24.99% 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.

2. Discover it Chrome

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 variable 11.99% to 23.99% 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.

3. Costco Anywhere Visa Card by Citi

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: 0% APR for seven months on purchases, then variable 16.24% APR; variable 16.24% APR on balance transfers.
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.

Image: Sakkawokkie 

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.

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Is This the Laziest Way Ever to Order Pizza?

Pizza delivery has long been the lazy man’s solution to dinner, so it’s only appropriate that it seems to have brought us the latest innovation designed to phase out effort: No-click purchasing.

Yes, you can now order pizza by doing practically nothing. This gem of effortless consumption comes to you from a longtime industry titan, Domino’s Pizza, which introduced its Zero Click app in early April.

“Zero-click ordering is as easy as it sounds,” according to a Domino’s press release.. Before you get too excited about mindlessly ordering your next cheesy pie, you should know that you will have to do a teensy bit of leg work. (Finger work? You can do it all from your smartphone or computer.)

First, you need to create a Domino’s Pizza profile and set an Easy Order. Once you’ve downloaded the Zero Click app and linked it to your profile, you can place an order merely by opening the app. You’ll see a timer, which counts down the 10 seconds you have to stop the order before it is placed. You can pause the timer if you want some extra time to think, and if you leave the app before the timer expires, your order will not be placed. The timer will restart upon opening the app.

As an online demonstration of the app says: “It’s easy. Maybe too easy. You’ve been warned.”

It’s a Ninja Turtle’s dream.

It could also be a financial nightmare, if you aren’t careful. On this app, the barrier to ordering is so thin that it seems like you could easily place an order you don’t actually want. (An image of a small child, sitting in front of a towering stack of pizza boxes, playing with Dad’s smartphone, comes to mind.)

Of course, anything that makes it easy to buy something can be dangerous, so it’s on you to have some self control. Think about it: Do you want to be that person who goes into credit card debt because you couldn’t stop ordering pizza? Didn’t think so.

On a more serious note, just because it’s easy to spend money without thinking about it doesn’t mean you it’s a good idea to ignore your finances as a whole. Seemingly small, habitual purchases can quickly add up (especially on a credit card), so you should take care in budgeting and tracking your spending. Those are helpful practices if you’re working toward goals like saving for retirement or good credit. You can track your financial goals, like improving your credit scores, for free on Credit.com.

More on Credit Cards:

Image: Pekic

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