7 Best Credit Cards for Uber Rides

Even of us who personal or lease their very own autos and use these rides for almost all of their journeys can often profit from ride-hailing providers like Uber and Lyft. 

If you happen to rely your self amongst them, you’ll come out forward once you use certainly one of these Uber-friendly playing cards as your default cost methodology. The playing cards close to the highest of the record deal with Uber followers higher, however in addition they carry excessive annual charges — a possible deal breaker for frugal cardholders who can’t take full benefit of their rewards packages and value-added perks. So take a while to overview all of your choices.

Greatest Credit score Playing cards for Uber Rides

For finest outcomes, select your most well-liked Uber card from this record and designate it as your default Uber cost methodology. 

If you happen to personal a small enterprise or earn enough earnings as a freelancer or solopreneur to qualify for a small-business bank card, designate your most well-liked enterprise card as your default cost methodology for business-related journey (and ask your accountant whether or not stated journey qualifies for a self-employment tax deduction).

1. Chase Sapphire Reserve® Card

$300 Annual Credit score In opposition to Qualifying Journey Purchases, Together with Uber Fares; 50% Enhance on Eligible Journey Redemptions

The Chase Sapphire Reserve® Card is the perfect bank card for frequent Uber rides for one easy motive: Chase characterizes ridesharing fares and suggestions as journey purchases for the needs of its industry-leading $300 annual journey credit score.

If you happen to make no different journey purchases together with your Sapphire Reserve card till you’ve spent $300 in Uber fares year-to-date, you rack up $300 in free Uber rides. Since Sapphire Reserve is an ultra-premium journey rewards bank card marketed to frequent vacationers, most cardholders don’t spend their whole journey credit score on ridesharing fares. But it surely’s good to have a lot leeway.

Even higher, when you’ve used up your $300 journey credit score, you’ll nonetheless earn 3 factors per $1 spent on Uber purchases. That’s a 4.5% price of return once you redeem for journey bookings by the Chase Final Rewards journey portal.

• Signal-Up Bonus: Spend no less than $4,000 in qualifying purchases inside 3 months to earn 60,000 bonus Final Rewards factors. That’s value as much as $900 when redeemed for airfare, lodges, and different journey purchases by the Chase Final Rewards portal.
• Incomes Rewards: After incomes your annual journey credit score, you’ll earn limitless 3 Final Rewards factors per $1 spent on journey and eating purchases worldwide. Uber rides are labeled as journey purchases. All different eligible purchases earn an infinite 1 Final Rewards level per $1 spent.
• Redeeming Rewards: Redeem for journey bookings by the Chase Final Rewards portal, money again through checking account deposits and assertion credit, reward playing cards, level of sale purchases with choose retailers (together with Amazon), and different choices. Factors are value $0.015 apiece when redeemed for journey and $0.01 apiece when redeemed for money.
• Key Charges: The annual payment is $550, and there’s a $75 approved person payment per further person, per yr. There is no such thing as a overseas transaction payment.
• Different Perks: Switch accrued factors to a few dozen journey companions at a 1-to-1 ratio. Get pleasure from complimentary airport lounge entry at greater than 1,000 Precedence Go lounges worldwide. Earn worthwhile perks at high-end lodges and resorts worldwide, together with versatile check-in and complimentary room upgrades when out there

See our Chase Sapphire Reserve® Card overview for extra info. Learn the way to use for this card right here.

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2. The Platinum Card® from American Specific

As much as $200 in Uber Credit Per 12 months ($15 Per Month & $20 in December)

The Platinum Card® from American Specific appeals on to Uber riders with a $15 month-to-month credit score (and an additional $20 credit score in December) towards Uber fares paid with the cardboard.

In contrast with across-the-board journey credit calculated on a year-to-date foundation, the Platinum Card’s Uber credit demand extra intentionality. As a result of the credit score is capped at $15 per thirty days for 11 months out of the yr and the Platinum Card earns simply 1 level per $1 spent on Uber rides above the credit score threshold, you’ll need to have a backup Uber cost methodology should you plan to spend considerably greater than $15 per thirty days on ridesharing.

• Welcome Supply: Earn 80,000 Membership Rewards® Factors after you spend $8,000 on purchases in your new Card in your first 6 months of Card Membership. Apply and choose your most well-liked metallic Card design: basic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Incomes Rewards: Earn 5 Membership Rewards factors per $1 spent on sure eligible journey purchases: flights booked instantly with airways or by American Specific Journey and pay as you go lodges booked by American Specific Journey.
• Redeeming Rewards: Redeem Membership Rewards factors on the Membership Rewards portal for journey bookings, reward playing cards, money again, normal merchandise, and particular experiences supplied by Amex companions. Redemption minimums typically begin at 1,000 factors, and factors are often value $0.005 to $0.01 apiece at redemption. Journey redemptions provide the perfect worth.
• Key Charges: The annual payment is $695. There’s no approved person payment or overseas transaction payment. See charges & charges for extra info.
• Different Perks: Along with the $200 annual Uber credit score, there’s a $200 annual airline payment credit score that’s good towards purchases with the airline of your selection. Different advantages embody complimentary entry to greater than 1,000 airport lounges worldwide, particular perks and advantages at a few of the world’s most luxurious lodges, and automated Gold and Gold Elite loyalty standing with Hilton Honors and Marriott Bonvoy, respectively.

See our Platinum Card® from American Specific overview for extra info. Be taught extra about this card and learn how to use right here.

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3. Chase Ink Enterprise Most well-liked Credit score Card

3x Factors on Eligible Journey Purchases, Together with Uber Fares; 25% Enhance on Eligible Journey Redemptions

Just like the Chase Sapphire Reserve Card, the Chase Ink Enterprise Most well-liked Credit score Card earns 3 factors per $1 spent on eligible journey purchases, together with ridesharing fares. The distinction is that the 3x incomes price on journey purchases tops out at $150,000 in mixed class purchases per yr, after which journey purchases earn 1 level per $1 spent.

That stated, except you could have a variety of globe-trotting staff, you’re in all probability not going to rack up $150,000 in Uber expenses every year in your small-business bank card.

Factors earned by Uber spending with the Ink Enterprise Most well-liked card are value $0.0125 when redeemed for journey bookings on the Chase Final Rewards portal. That’s a 3.75% return on spending. Factors transferred to collaborating journey companions could earn an excellent greater return, relying on the redemption methodology.

• Signal-Up Bonus: Whenever you spend no less than $8,000 in eligible purchases inside 3 months of opening your account, you earn 100,000 bonus Final Rewards factors. That is value $1,250 when redeemed for journey purchases, and $1,000 when redeemed for money again or normal merchandise.
• Incomes Rewards: Earn 3 factors per $1 spent on journey (together with Uber and different ridesharing fares), delivery, communications, and sure digital promoting purchases, as much as an annual mixed spending restrict of $150,000. Earn an infinite 1 level per $1 spent on every little thing else, together with favored class purchases above the cap.
• Redeeming Rewards: Redeem for Chase Final Rewards journey bookings, money again, reward playing cards, level of sale purchases with Amazon and different retailers, and extra. Factors are value $0.0125 apiece when redeemed for journey and $0.01 apiece when redeemed for many different choices.
• Key Charges: The annual payment is $95. There is no such thing as a overseas transaction payment or payment for added approved customers.
• Different Perks: Switch factors to a few dozen Chase journey companions at a 1-to-1 ratio, doubtlessly magnifying factors’ worth considerably. Get pleasure from journey insurance coverage and different journey protections, together with journey interruption and cancellation protection.

See our Chase Ink Enterprise Most well-liked Credit score Card overview for extra info. Learn the way to use for this card right here.

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4. Chase Sapphire Most well-liked® Card

2x Factors on Eligible Journey Purchases, Together with Uber Fares; 25% Enhance on Eligible Journey Redemptions

The Chase Sapphire Most well-liked® Card is the junior cousin to the Chase Sapphire Reserve Card. Whereas Sapphire Most well-liked isn’t fairly as beneficiant, it nonetheless earns 2 factors per $1 spent on Uber fares and presents a pleasant worth increase on journey redemptions: 25% over the $0.01-per-point baseline for money redemptions. That’s a 2.5% return on Uber spending. Factors transferred to collaborating journey companions could earn an excellent greater return on spending, relying on how they’re redeemed.

• Signal-Up Bonus: Earn 60,000 bonus factors, value as much as $750 on journey bought by Final Rewards, once you spend no less than $4,000 inside 3 months.
• Incomes Rewards: Earn limitless 3 factors per $1 spent on eligible eating purchases. Earn limitless 2 factors per $1 spent on qualifying journey purchases, together with Uber fares. Earn limitless 1 level per $1 on all different eligible purchases.
• Redeeming Rewards: One of the best ways to redeem is for journey bookings made by the Chase Final Rewards journey portal. This selection values factors at $0.0125 apiece. Different redemption choices, all of which worth factors at $0.01 apiece, embody reward playing cards, money again, and purchases with choose service provider companions (together with Amazon).
• Key Charges: The annual payment is $95. There’s no payment for added approved customers and no overseas transaction payment.
• Different Perks: Switch accrued factors to collaborating journey companions (a few dozen in all) at a beneficiant 1-to-1 ratio.

See our Chase Sapphire Most well-liked® Card overview for extra info. Learn the way to use for this card right here.

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5. Apple Card

3% Money Again on Uber Purchases Made Utilizing Apple Pay

Apple Card is a unique sort of bank card, and it’s value studying our full overview (linked beneath) for extra on precisely what meaning. Whenever you make purchases with the Uber ridesharing and Uber Eats app utilizing Apple Pay, you’ll earn 3% money again, robotically redeemed to your account each day.

• Signal-Up Bonus: There’s presently no sign-up bonus. Examine the issuer’s web site for the most recent bonus particulars.
• Incomes Rewards: Earn 3% money again on purchases made with Apple, together with any merchandise or providers on the Apple Retailer, Apple.com, the App Retailer, or iTunes. Earn 3% money again on choose Apple Pay purchases, together with these made by the Uber ridesharing and Uber Eats apps.
• Redeeming Rewards: Money again is robotically redeemed to your account day by day.
• Key Charges: There is no such thing as a annual payment or overseas transaction payment.
• Different Perks: Apple Card has novel interest-reduction options and different perks not frequent within the bank card world.

See our Apple Card overview for extra info. Be taught extra about this card and learn how to use right here.

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6. Capital One® Enterprise® Rewards Credit score Card

2x Factors on All Eligible Purchases, Together with Uber Fares

The Capital One® Enterprise® Rewards Credit score Card is likely one of the hottest journey rewards bank cards in the marketplace. Its rewards program delivers limitless 2 factors on each buy, day by day, together with on Uber ridesharing and Uber Eats purchases. That provides as much as a 2% price of return on Uber spending once you redeem factors for assertion credit towards prior journey purchases.

• Early Spend Bonus: Earn 75,000 bonus miles after you spend $4,000 on the cardboard inside 3 months from account opening. That is value $750 in journey bills at redemption.
• Incomes Rewards: Earn limitless 2 miles per $1 spent on most purchases, together with all purchases with Uber apps. For a restricted time, earn 10 miles per $1 spent on purchases at lodges.com/enterprise.
• Redeeming Rewards: One of the best ways to redeem is for assertion credit towards prior journey purchases at a per-point price of $0.01. Partial redemptions are allowed. Different redemption choices embody reward playing cards, normal assertion credit, and merchandise, all at variable level values.
• Introductory APR: None.
• Key Charges: The $95 annual payment is waived throughout the first yr. There is no such thing as a overseas transaction payment.
• Different Perks: Get pleasure from $100 off your International Entry or TSA PreCheck utility payment, plus a bunch of purchasing and journey advantages, together with prolonged warranties and automotive rental protection.

See our Capital One® Enterprise® Rewards Credit score Card overview for extra info. Be taught extra about this card and learn how to use right here.

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Methodology: How We Choose the Greatest Uber Credit score Playing cards

The very best bank cards for Uber rides additionally are usually the perfect bank cards for different varieties of journey purchases. However every card on this record has some essential options and capabilities in frequent. These are an important ones we thought of when placing it collectively.

Reward Fee for Native Transportation Purchases

Uber purchases qualify as native transportation purchases, a service provider code that additionally encompasses public transit, tolls, parking charges, and associated bills. Most bank card rewards packages deal with all native transportation purchases the identical, and we glance out for people who reward them above and past most different varieties of purchases.

Reward Fee on Complementary Purchases

We additionally have a look at how bank cards reward purchases that naturally complement ride-hailing purchases and native transportation purchases generally. A very powerful complementary classes for frequent Uber customers are restaurant (eating) and normal journey purchases, since many individuals use ride-hailing providers after they’re out in town or touring removed from house.

New Cardmember Bonus

A lot of the playing cards on this record provide engaging bonuses for brand spanking new cardmembers. That’s no accident, as the perfect Uber bank cards (and the perfect journey bank cards generally) are usually beneficiant on this entrance.

Annual Charge

The decrease the annual payment, the higher. However bank cards with no annual charges in any respect have a tendency to not be as beneficiant as these with recurring levies. The place doable, we choose playing cards with low or no annual charges, with costlier-but-more-generous playing cards shut behind.

Notable Perks

The very best Uber bank cards have a great deal of perks and advantages for frequent vacationers. Few provide direct advantages for Uber riders past the reward price, however people who do get favored remedy in our evaluation. In any other case, the extra worth a card presents for vacationers, the upper it’s prone to be on this record.

Uber Credit score Card FAQs

If you happen to’re nonetheless not sure about what to anticipate out of your subsequent Uber-friendly bank card, now we have solutions to some frequent questions.

Do You Want Good Credit score to Get an Uber Credit score Card?

Not essentially. Nevertheless, generally, premium journey rewards bank cards require good or wonderful credit score, together with many playing cards on this record. When you have restricted credit score historical past or your FICO rating is way beneath 700, you’ll have bother qualifying for these playing cards.

What Are the Greatest Uber Credit score Playing cards With out Annual Charges?

Unhappy to say, the perfect Uber bank cards have annual charges, generally in extra of $250. The very best Uber bank card with out an annual payment is the Apple Card.

How Do Credit score Card Corporations Categorize Uber Fares?

Uber fares virtually at all times qualify as normal journey or native transportation purchases. Many bank cards particularly reward native transportation purchases, but when yours doesn’t, test the fantastic print on its rewards program to see if ride-hailing purchases qualify as normal journey.

Do These Credit score Playing cards Reward Purchases With Uber Eats and Postmates?

Some do, however not as a part of the native transportation class. Purchases with Uber Eats and Postmates, each of that are owned by Uber, usually qualify as restaurant or eating purchases. If you wish to earn bonus factors or miles on them, select a card that favors restaurant or eating spending or a card that favors a sure cost methodology, like Apple Card does with Apple Pay.

Is the Client Uber Credit score Card Nonetheless Round?

No, the Uber client bank card is not out there. Whereas that is little doubt disappointing to Uber followers, this record exhibits simply what number of options there are for rewarding Uber rides. And should you drive for Uber, you’ll be able to benefit from the newer Uber Professional Card, a enterprise debit Mastercard that provides rewards and perks for ride-hailing drivers.

Last Phrase

Whereas the perfect all-around Uber card is the Chase Sapphire Reserve Card, thanks primarily to the beneficiant $300 journey credit score, the Platinum Card from American Specific isn’t a foul selection both should you can preserve your Uber spending at or close to $15 per thirty days.

If you happen to spend greater than $200 to $300 per thirty days on Uber rides, there’s no motive to cease at one card. Credit score-qualified Uber lovers can declare as much as $500 in Uber credit per yr by rotating their Uber spending by these two premium journey rewards bank cards — although, in apply, Uber spending received’t account for many Chase Sapphire Reserve customers’ whole journey credit score allowance.