Although ridesharing and carpooling are hardly new concepts, the modern digital platforms that allow users to summon an affordable ride from (and to) just about anywhere have certainly caused a surge in popularity for the old-school concept.
Together with its main U.S. competitor, Lyft, the ridesharing platform Uber has started to transform how millions of people around the world travel. In fact, the service has become so ingrained in our lives that Uber even launched its very own credit card.
But is the Uber Credit Card actually your best bet for rewards on every trip? Oddly enough, the answer is: not really. In the list below we’ll take a look at our selections for the best credit cards for Uber. The list is split into our top five favorites, best rewards cards, best business cards, and cards that feature the Visa Local program.
Top | Rewards | Business | Visa Local
Our Top Credit Cards for Uber
As you might suspect, the top five best credit cards for earning rewards on Uber rides are those that offer bonus rewards for specific purchases (usually travel). While the Uber Credit Card did make the cut, it’s definitely not at the top of the list.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
21.49% - 28.49% Variable
|
$550
|
Good/Excellent
|
The Chase Sapphire Reserve® card tops the list thanks to its 3X points per $1 spent on travel, which includes Uber and Lyft (and many other similar services). Since Ultimate Rewards® points have an estimated value of 2.7¢ each, that could mean around a 6% return rate.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
20.49% - 27.49% Variable
|
$95
|
Good/Excellent
|
Essentially the less-expensive sibling of the Chase Sapphire Reserve®, the Chase Sapphire Preferred® Card card has a much lower APR but also only offers 2X points per dollar for travel purchases. By the numbers, that’s about a 4% return at current valuations.
3. Chase Freedom Flex℠
This card is currently not available.
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
Additional Disclosure: The information related to Chase Freedom Flex℠ credit card has been collected by CardRates.com and has not been reviewed or provided by the issuer of this card.
Although the Chase Freedom Flex℠ doesn’t offer year-round rideshare savings, it does sometimes offer “Local Commuter Transportation” as a bonus category, which includes Uber and Lyft, among others. Since you can earn top cash back during active quarters (subject to a purchase limit), this card certainly makes the top five — at least part of the year.
4. Uber Visa Card
The Uber Visa Card is a co-branded credit card issued by Barclays. Sadly, the card only offers 2% cash back for Uber ride purchases. On the other hand, the card has no annual fee — unlike most of the others in the top five — and you can redeem your rewards for Uber credits, which may be useful for regular Uber users.
- Earn 4% cash back on dining purchases, including restaurants, takeout, bars, and UberEATS
- Earn 3% cash back on hotel & airfare
- Earn 2% cash back for Uber & online purchases
Although the Uber rewards rate isn’t the highest rate you can find, the card does provide a good cash back rate for dining purchases, as well as a competitive rate on hotel, airfare, and online purchases.
The Best General Rewards Credit Cards for Uber
Outside of the handful of cards that offer bonus category rewards for Uber and other ridesharing purchases, your best bet for earning rewards for every ride is a general unlimited rewards card.
Not only will these cards earn you miles or cash back on Uber and Lyft purchases, but they’ll earn the same rates on all other eligible card purchases, too.
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
20.24% - 28.24% (Variable)
|
$95
|
Excellent, Good
|
The Capital One Venture Rewards Credit Card offers 2X miles per $1 on all purchases, and those miles can be redeemed toward any eligible travel purchase — including most ridesharing platforms — effectively giving you a 2% return on Uber & Lyft purchases.
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR on Purchases 15 months
|
0% Intro APR on Balance Transfers 15 months
|
19.49% - 28.24% Variable
|
$0
|
Good/Excellent
|
As the name suggests, the Chase Freedom Unlimited® offers unlimited cash back rewards for every card purchase, including Uber and Lyft. You can redeem for cash back, or turn your rewards into points if you have a card that earns Ultimate Rewards® points.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
0% Intro APR Period 18 months on Balance Transfers
|
18.49% - 28.49% (Variable)
|
$0
|
Excellent, Good
|
Additional Disclosure: Citi is a CardRates advertiser.
Though it technically offers 2% cash back, the Citi® Double Cash Card has a somewhat unorthodox rewards program. Cardholders earn 1% cash back when they make a purchase but don’t earn the other 1% cash back until they pay off their balance.
The Best Business Credit Cards for Uber
While a number of business credit cards offer bonus rewards for airline and hotel purchases, few business cards (read: only one) have a bonus rewards travel category broad enough to include ridesharing platforms.
- Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
20.49% - 25.49% Variable
|
$95
|
Good/Excellent
|
As the only card with an all-encompassing bonus rewards category for travel purchases, the Ink Business Preferred℠ Credit Card is easily the best business card for ridesharing services, offering 3X Ultimate Rewards® points per $1 for things like Uber and Lyft.
9. Capital One Spark Cash for Business
This card is currently not available.
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Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
When you can’t get bonus rewards on purchases, the next best thing is a high unlimited rewards rate, like the unlimited 2% cash back cardholders can earn with the Capital One Spark Cash for Business.
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
25.24% (Variable)
|
$0 intro for first year; $95 after that
|
Excellent, Good
|
As with its cash back cousin, the Capital One Spark Miles for Business offers unlimited rewards on every purchase, no categories required. Instead of cash back, however, you’ll earn miles that can be redeemed for statement credits on eligible travel purchases.
Earn Uber Credits with the Visa Local Program
The Visa Local Offers program won’t earn you rewards on your Uber rides directly. Instead, you can earn Uber credits for using your connected Visa credit card to make purchases at participating merchants.
Perhaps the best part is that you can still earn rewards on your merchant purchases with the right Visa card, so you can earn rewards and Uber credits — all in one swipe.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
20.49% - 27.49% Variable
|
$95
|
Good/Excellent
|
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
21.49% - 28.49% Variable
|
$550
|
Good/Excellent
|
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% - 27.49% Variable APR will apply. A 3% fee applies to all balance transfers.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 18 billing cycles for purchases
|
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
|
17.49% - 27.49% Variable APR on purchases and balance transfers
|
$0
|
Excellent/Good
|
Additional Disclosure: Bank of America is a CardRates advertiser.
Only the Visa credit card on file with your Uber account can earn Uber credits through the program and Uber users can sign up directly from the Uber app.
The program includes more than 5,000 merchants, including a range of national restaurants and retailers as well as hundreds of local businesses.
Get the Most Out of Your Next Uber Ride
Love it or hate it, the sharing economy is only growing in momentum as more and more people turn to their peers for everything from loans to car rides. In fact, Uber alone has provided over 5 billion shared rides worldwide — and shows little sign of slowing down.
If you’re one of the millions of people who Uber more than they drive, a credit card offering Uber rewards can be a big boon to your budget.
Of course, always remember that no amount of rewards will make up for high interest fees; pay off your rides before they start accruing interest to ensure your rewards actually pay off.
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CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.
Editorial Note: Our site content is not provided or commissioned by any credit card issuer(s). Opinions expressed on CardRates.com are the author's alone, not those of any credit card issuer, and have not been reviewed, approved, or otherwise endorsed by credit card issuers. Every reasonable effort has been made to maintain accurate information; however, all credit card offer details, including information about rewards, signup bonuses, introductory offers, and other terms and conditions, is presented without warranty. Clicking on any offer on CardRates.com will direct you to the issuer's website, where you can review the current terms and conditions of the offer.
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