On November 5, DoorDash emailed me. My 5 to 10 percent Lyft discount was ending, and in its place I could claim a free Lyft Go membership, a $9.99-a-month value, because I have DashPass.

I don’t pay for DashPass. I was fairly sure I get it for free through another perk, but I didn’t remember which one.

So I went looking. A 2023 DoorDash email calls it my “Chase DashPass membership” and ties its credits to my Sapphire Reserve. Chase’s October 2025 benefits email lists a complimentary DashPass again. No recent email says so outright, but that’s very likely the source.

That makes four layers. It feels very Russian doll.

The order also runs the other way. Sign up for Lyft Go directly at $9.99 a month and DashPass comes inside it, which Lyft calls investor.lyft.com/news-events-presentations/press-releases/detail/209/lyft-launches-lyft-go-a-best-in-class-rideshare-and-delivery-membership-program-in-partnership-with-doordash “two memberships for the price of one.”

The layers also depend on each other. Under the terms in DoorDash’s email, Lyft credits expire 60 days after you earn them, or immediately if either membership is canceled.

The rest of my wallet

I wanted to see how far this goes, so I mapped the five things I pay for: the Sapphire Reserve, the Amex Platinum, the Delta SkyMiles Reserve, Amazon Prime, which unlocks the Prime Visa’s 5 percent, and Instacart+. They lead to 45 perks. Eight of those reach me by more than one route.

Six minutes after the DoorDash email, Grubhub emailed me too. My “partner-sponsored” Grubhub+ plan was ending that day, and Grubhub was extending it free through 2027. It doesn’t name the partner. Amazon’s benefits page www.aboutamazon.com/news/retail/amazon-prime-benefits now lists Uber Eats as Prime’s restaurant benefit, so I drew Prime as the sponsor with a dashed line. That’s my inference.

I also vaguely remembered getting Peacock through Instacart+, but not how I was getting Instacart+. It turns out I pay for it. My Sapphire Reserve was charged $107.79 for it in January 2024 and again in January 2025. Instacart’s terms list $79 a year with a Costco membership, which I don’t have. My Platinum also has two credits that could cover Peacock.

The overlap, in dollars

The three cards with fees cost $2,340 a year. In just five categories, they offer $3,808 a year in face value if every credit gets used in full, and a lot of it covers the same kind of spending. Rides alone come with three separate monthly allowances: one for Lyft, one for Uber and one for any eligible rideshare.

If you get DashPass through a Chase card, it’s worth checking when yours renews. Chase’s terms www.chase.com/digital/resources/terms-of-use/cobrand-doordash.html give 12 complimentary months from first activation, then bill the monthly rate until you cancel.