Best Credit Cards for Uber and Lyft Rides

 

Comparing the best credit cards for Uber and Lyft

A closer look at the best cards to use for Lyft and Uber rides

Chase Sapphire Reserve Card

Ride benefits: Earn 3x points on travel and dining purchases, including Uber and Lyft rides.

Intro APR: N/A

Regular APR: 22.24% – 29.24% Variable

Signup bonus: 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®.

Our verdict: The Chase Sapphire Reserve® is our top pick for the best card for Uber. With 3x points on travel and dining, including Uber rides, a generous signup bonus of 60,000 points, and a $300 Annual Travel Credit, it offers excellent value. The ability to transfer points to airline and hotel partners, access airport lounges, and strong travel insurance further enhance its appeal. However, keep in mind the high annual fee of $550. Overall, it’s a powerful card for frequent Uber riders looking to maximize their rewards and enjoy premium travel benefits.

Pros:

• Strong bonus rewards on travel and dining, including rideshare services like Uber and Lyft.
• $300 Annual Travel Credit that effectively reduces the annual fee if used.
• Access to 1,300+ airport lounges worldwide after enrolling in Priority Pass™.
• 1:1 point transfer to leading airline and hotel loyalty programs.

Cons:

• High annual fee of $550.

The Chase Sapphire Reserve® card tops the list of best cards for Uber due to its generous rewards program, including 3x points on travel and dining purchases. With a signup bonus of 60,000 points and a $300 Annual Travel Credit, this card offers excellent value for frequent Uber riders. Additionally, the ability to transfer points to airline and hotel partners and access airport lounges enhances the card’s appeal.

Apply now: Chase sapphire reserve

Capital One Venture Rewards Credit Card:

Ride benefits: Earn 2X miles per $1 on all purchases, including ridesharing platforms like Uber and Lyft.

Intro APR: N/A

Regular APR: 20.99% – 28.99% (Variable)

Signup bonus: 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.

Our verdict: The Capital One Venture Rewards Credit Card is an excellent choice for frequent travelers. With a high rewards rate of 2X miles on all purchases, including ridesharing platforms like Uber and Lyft, it offers a solid 2% return on those expenses. The card’s flexibility in redeeming miles for any eligible travel purchase, complimentary lounge access, and Global Entry or TSA PreCheck credit add value. Although it has a $95 annual fee and limited elite benefits, it remains a popular option for its simplicity and generous rewards program. Overall, it’s a great card for those seeking straightforward travel rewards.

Pros:

• High rewards rate of 2X miles on all purchases, including ridesharing services.
• Flexible redemption options for any eligible travel purchase.
• Two complimentary visits per year to Capital One Lounges or Plaza Premium Lounges.
• Global Entry or TSA PreCheck credit for expedited airport security screening.

• No foreign transaction fees.

Cons:

• $95 annual fee.
• Limited elite benefits.

The Capital One Venture Rewards Credit Card is a popular choice for frequent travelers seeking a straightforward rewards card. With a high rewards rate of 2X miles on all purchases, including ridesharing platforms like Uber and Lyft, this card offers a solid 2% return on those expenses. The card’s flexibility in redeeming miles for any eligible travel purchase, along with complimentary lounge access and a Global Entry or TSA PreCheck credit, add further value. Keep in mind the $95 annual fee and limited elite benefits. Overall, it’s an excellent option for those seeking travel rewards and simplicity.

Apply now: Capital One Venture Rewards Credit Card

American Express Platinum Card:

Ride benefits: $200 annual Uber credit, Uber VIP status, and 1X Membership Rewards point per dollar spent on Uber.

Intro APR: None

Regular APR: See Pay Over Time APR

Signup bonus: Earn 80,000 Membership Rewards® Points after spending $6,000 on purchases on the card in the first six months of card membership.

Our verdict: The Platinum Card® from American Express is an excellent choice for frequent travelers, particularly those who rely on Uber. With its extensive travel benefits, including airport lounge access, elite hotel status, and an annual airline fee credit, this card offers exceptional value. The high rewards rate on flights and prepaid hotels, along with the generous welcome bonus, further enhance its appeal. While the $695 annual fee is steep, the card’s features and perks outweigh the cost for those who can fully utilize them.

Pros:

• Extensive travel benefits including airport lounge access, complimentary elite status with Hilton and Marriott, and annual airline fee credit.
• Additional perks like shopping credits, digital entertainment credits, and more.
• High rewards rate on flights and prepaid hotels.

• A welcome bonus offers significant value.

Cons:

• Steep $695 annual fee
• Bonus categories may not be appealing to everyone.

The Platinum Card® from American Express is a must-have for frequent travelers, especially those who use Uber regularly. The card’s generous benefits and perks, including the annual Uber credit and VIP status, make it a valuable companion on the road. While the annual fee is high, the extensive travel benefits, rewards program, and welcome bonus make it worthwhile for those who can maximize its features.

Apply now: American Express Platinum Card

Capital One SavorOne Cash Rewards Credit Card

Ride benefits: 10% cash back on Uber and Uber Eats (limited time)

Intro APR: 0% intro APR for 15 months on purchases and balance transfers

Regular APR: 19.99%-29.99% Variable APR

Signup bonus: Earn a one-time $200 cash bonus after you spend $1,000 on purchases within the first 3 months from account opening.

Our verdict: The Capital One SavorOne Cash Rewards Credit Card is a top choice for those who love to regularly dine out and a night on the town with entertainment. With its impressive 3% cash back on popular spending categories and a $0 annual fee, it offers great value. The limited-time 10% cash back on Uber and Uber Eats, along with a complimentary Uber One membership, adds extra perks. While higher spenders may find better rewards elsewhere, the card’s 0% intro APR for 15 months on purchases and balance transfers is a valuable feature. Overall, it’s a solid option for earning cash back without paying an annual fee.

Pros:

• 3% cash back on dining, entertainment, streaming services, and grocery stores; No annual fee; Complimentary Uber One membership (limited time).

Cons:

• Potential to earn higher rewards on higher spending with other cards.

The Capital One SavorOne Cash Rewards Credit Card impresses with its 3% cash back on dining, entertainment, streaming services, and grocery stores. With a $0 annual fee, it offers great value for everyday spending. Additionally, the limited-time 10% cash back on Uber and Uber Eats, along with a complimentary Uber One membership, adds extra perks. While the rewards could be maximized with higher spending, this card remains an attractive choice. The 0% intro APR for 15 months further enhances its appeal for balance transfers and new purchases.

Apply now: Capital One SavorOne Cash Rewards Credit Card

Apple Card

Ride benefits: 3% cash back on Uber and Uber Eats.

Intro APR: N/A

Regular APR: 15.99%-26.99% Variable

Signup bonus: N/A

Our verdict: The Apple Card is a top choice for Apple enthusiasts, providing impressive cash back rates for Uber and Uber Eats purchases. With no annual fee and daily cash back rewards, it offers convenience and immediate value. However, its limitations on non-Apple Pay spending restrict its appeal to a broader audience. If you’re a loyal Apple user and frequently use Apple Pay, this card is a great fit. But for those seeking more versatility in rewards or points/miles, other options may be more suitable.

Pros:

• Earn up to 3% cash back with Apple and select merchants when using Apple Pay. No annual fee. Daily cash back credited to your account for immediate use.

Cons:

• Limited rewards for non-Apple Pay purchases. Not ideal for points or miles enthusiasts.

The Apple Card is a must-have for Apple enthusiasts, offering attractive cash back rates for Uber and Uber Eats purchases. With no annual fee and rewards credited daily, it’s a convenient choice. However, the card’s rewards are limited to Apple Pay transactions, restricting its usefulness for broader spending. For those seeking points or miles, alternative options may be more suitable.

Apply now: Apple Card

American Express Gold Card

Ride benefits: Up to $120 in Uber Cash per year ($10 per month) for U.S. rides and Uber Eats orders.

Intro APR: None.

Regular APR: [Regular APR].

Signup bonus: Earn 60,000 Membership Rewards points after spending $4,000 on eligible purchases within the first 6 months of Card Membership. Terms Apply.

Our verdict: The American Express Gold Card is a top choice for Uber users, offering up to $120 in Uber Cash per year and earning 4X points on Uber Eats purchases. With additional perks like a generous welcome offer, rewards on dining and supermarkets, and various travel and shopping benefits, it caters well to foodies and frequent Uber riders. However, the $250 annual fee and the limitation of Uber Cash expiring monthly are drawbacks to consider. If you’re a dedicated food lover and want to maximize rewards while enjoying dining benefits, this card is worth considering.

Pros:

• Generous Uber Cash credits, 4X points on Uber Eats purchases, rewards on dining and supermarket spending, welcome offer, various travel and shopping perks.

Cons:

• $250 annual fee, monthly expiration of Uber Cash.

The American Express Gold Card is an excellent choice for Uber enthusiasts and foodies. With up to $120 in annual Uber Cash and 4X points on Uber Eats purchases, it offers compelling ride benefits. Additionally, it rewards dining and supermarket spending, provides a generous welcome offer, and includes various travel and shopping perks. However, the $250 annual fee and the monthly expiration of Uber Cash should be taken into consideration. If you enjoy dining out and want to maximize rewards, this card is worth considering.

Apply now: American Express Gold Card

Uber Visa Credit Card

Ride benefits: 2% cash back for Uber & online purchases

Intro APR: N/A

Regular APR: N/A

Signup bonus: N/A

Our verdict: The Uber Visa Card, issued by Barclays, offers decent cash back rates for various categories, making it a suitable option for those who frequently dine out and travel. With 4% cash back on dining purchases, 3% cash back on hotel and airfare, and 2% cash back on Uber and online purchases, it provides competitive rewards. While the Uber rewards rate may not be the highest available, the lack of an annual fee and the ability to redeem rewards for Uber credits make it an appealing choice, especially for regular Uber users.

Pros:

• No annual fee, 4% cash back on dining purchases, 3% cash back on hotel & airfare

Cons:

• Limited cash back rate for Uber ride purchases

The Uber Visa Card, issued by Barclays, offers competitive cash back rates for various categories, including a generous 4% cash back on dining purchases and 3% cash back on hotel and airfare. While it disappoints with only 2% cash back for Uber ride purchases, the card stands out with its lack of an annual fee. Furthermore, the ability to redeem rewards for Uber credits adds value for frequent Uber users.

Apply now: Uber Visa Credit Card

How to pick the best card for Uber and Lyft rides?

To pick the best card for Uber and Lyft rides, consider the following factors. Look for cards that offer high rewards or cash back specifically on ride-sharing services. Check if the card provides additional benefits like travel insurance or rental car coverage. Consider any annual fees and calculate if the rewards outweigh the costs. Look for cards that offer introductory APR periods for balance transfers or new purchases.

Consider your spending habits and choose a card that aligns with your preferences, such as earning rewards on dining or travel. Finally, compare the signup bonuses and any special promotions offered by different cards. By evaluating these factors, you can select the card that offers the most value for your rideshare spending.

Methodology

To pick the best credit card for Uber and Lyft rides, a comprehensive methodology was employed. Extensive research was conducted to gather information from various sources, including financial institutions, credit card review websites, and expert opinions. Key factors were identified, such as rewards rates, cash back percentages, annual fees, introductory APR offers, additional benefits, and special promotions. Multiple credit cards were evaluated and compared based on these factors, considering their rewards structures, terms and conditions, eligibility requirements, and limitations. By following this systematic approach, readers can make an informed decision and select the credit card that best suits their needs and maximizes their benefits for Uber and Lyft rides.

The product information provided here is based on research conducted up to a specific date and may have changed. For the latest and most accurate information, we recommend you to visit the respective card’s website before proceeding.