Separate with commas and nothing else
Apple splits the field on commas. A space after each comma is a space spent on nothing, and across twenty terms that is twenty characters, a fifth of the field, gone.
Write it as one unbroken run: "recipe,dinner,mealplan,cooking". It looks wrong and it is correct.
No spaces after commas. That habit alone costs about a fifth of the field.
Single words, not phrases
Apple combines your keywords with each other and with the words in your name and subtitle to match multi-word searches. You do not need to write the phrases out.
Putting "meal planner" in as a phrase spends the characters twice over, because "meal" and "planner" as separate entries already let the store build that phrase and every other combination the words can make.
Leave out what is already indexed
Anything in your app name or subtitle is already counted. Repeating it here is the single most common waste in the field, and it is invisible unless you check the three fields together.
Also leave out your own brand name, your category name, and the words "app" and "free". Apple already associates you with your category, and nobody searching adds the word app to find one.
Your name, your subtitle, your brand, your category, "app" and "free" all belong out of this field.
Skip the plurals
Apple handles simple plural forms, so entering both "recipe" and "recipes" spends eight characters to say one thing. Pick the singular and move on.
The same goes for obvious stems. One form is enough for the store to match the others.