/static/images/financebuzz.png)
/images/2020/10/02/adobestock_178544739_1200x628.jpg)
/images/2019/12/06/smart_strategies_to_save_money_on_car_insurance.jpg)
/images/2019/09/03/best_credit_cards_for_uber_rides.jpg)
If you rely on Uber to get around, you’re in good company. According to Uber, over 17 million rides occur through the platform each day, and there are over 93 million active platform customers each month.
And if you’re not pairing your Uber account with a rewards credit card as your payment method, you could be losing out on money. Continue reading to find the best credit cards for Uber rides or Uber Eats orders.
How to choose the best card for Uber rides
There are many credit cards out there that offer rewards and benefits for Uber users. When looking for a card, consider factors like its reward structure. For example, many cards offer 3% cash back on Uber rides. Some cards will even give you a statement credit to reimburse you for your rideshare fares.
Also consider the card’s annual fee, redemption options, other perks, and your own spending habits so you can make an informed decision on the best card for you and get the maximum value for your money.
5 best credit cards for Uber
| Card | Annual fee | Why it’s great for Uber rides |
| The Platinum Card® from American Express | $695 (See rates and fees) Terms apply | You’ll get $15 in Uber Cash per month within the U.S., plus an extra $20 in December |
| Blue Cash Preferred® Card from American Express | $95 (waived first year) (See rates and fees) Terms apply | You can earn 3% cash back on U.S. gas stations and eligible transit |
| Chase Sapphire Reserve | $550 | You’ll get 3X points on travel (not booked through Ultimate Rewards and excluding the $300 travel credit) and dining, including Uber rides |
| Chase Sapphire Preferred | $95 | You can earn 2X points on travel (not booked through Chase Ultimate Rewards), including rideshare |
| American Express® Gold Card | $250 (See rates and fees)
Terms apply |
You’ll get $10 in Uber Cash per month within the U.S. |
The Platinum Card from American Express
Despite the relatively high annual fee, the Platinum Card from American Express — a luxury travel rewards card — can be a worthwhile option for frequent Uber users.
Cardholders can get $15 in Uber Cash for rides or Uber Eats orders each month and an additional $20 in December, for a total of up to $200 in annual Uber savings. However, your unused credits don’t carry over to the following month, and you must add your Platinum Card as the payment method to your Uber account.
The Platinum Card also has a robust rewards program, but you won’t earn bonus points on Uber rides. You’ll earn 5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases.
Plus, the Amex Platinum card offers a generous welcome bonus: Earn 100,000 Membership Rewards points after spending $6,000 in the first 6 months, plus 10x points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S. (up to $25,000 in combined purchases during your first 6 months).
The card has other valuable benefits, too, including:
- Fee credit for Global Entry or TSA Precheck
- No foreign transaction fees
- Access to the Fine Hotels & Resorts program
- Access to the Global Lounge Collection
- Secondary car rental loss and damage insurance
Enrollment is required for select benefits.
Read our Amex Platinum review.
Best Luxury Travel Benefits
/images/2021/02/04/the_platinum_card-american-express-020421.png)
Intro Offer
100,000 Membership Rewards points
Annual Fee
$695
Rewards Rate
up to 5X points
Benefits
- Earn 100,000 Membership Rewards points after spending $6,000 in the first 6 months
- 10X points at restaurants worldwide and when you Shop Small in the U.S. (up to $25,000 in combined purchases, during your first 6 months)
- 5X points on eligible flights and hotels
- $200 hotel credit, $240 digital entertainment credit, $200 in Uber Cash, $300 Equinox credit, $200 airline fee credit
- Access to Centurion and Priority Pass airport lounges
- Select benefits require enrollment.
- $695 annual fee. Terms apply.
Drawbacks
- High annual fee
- Earn 100,000 Membership Rewards points after spending $6,000 in the first 6 months, plus 10x points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S. (up to $25,000 in combined purchases during your first 6 months)
- 5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases
- Terms apply
American Express Blue Cash Preferred
If you’re looking for a card that offers travel rewards, especially for Uber rides, consider the American Express Blue Cash Preferred Card. It has some generous bonus categories, including 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1X) and on U.S. streaming services, 3% at U.S. gas stations and on eligible transit, and 1% on other purchases. (Cash back is received in the form of a statement credit.)
To put that in perspective, let’s say you spend $2,000 per year on Uber rides. There’s no spending limit, so you’d earn 3% cash back on the full amount, giving you $60 cash back just for your rideshare fares.
Plus, you’ll earn a $300 statement credit after spending $3,000 on purchases in the first 6 months.
The Blue Cash Preferred offers other benefits, too, including secondary car rental loss and damage insurance and purchase protection.
Read our American Express Blue Cash Preferred Card review.
#1 Cash Back at Supermarkets
/images/2019/05/10/amex-blue-cash-preferred-5-2019.jpg)
Intro Offer
$300 statement credit
Annual Fee
$95
Rewards Rate
up to 6% cash back
Benefits
- Earn a $300 statement credit after spending $3,000 in the first 6 months
- 6% cash back on U.S. streaming services and at U.S. supermarkets
- 3% cash back at U.S. gas stations and on eligible transit
- $95 annual fee. Terms apply.
Drawbacks
- Has annual fee after first year
- Has foreign transaction fee
- Earn a $300 statement credit after spending $3,000 on purchases in the first 6 months
- 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1X) and on U.S. streaming services, 3% at U.S. gas stations and on eligible transit, and 1% on other purchases
- Intro purchase 0% offer: 0% for 12 months then 13.99% to 23.99% (variable)
- Terms apply
Chase Sapphire Reserve
Like the Platinum Card from American Express, the Chase Sapphire Reserve has a sizeable annual fee. However, it offers lucrative rewards and benefits that could offset its cost.
If you want to use your Chase Sapphire Reserve to pay for ridesharing, it probably makes sense to call a Lyft instead of an Uber. With this card, you'll earn 3X points on Uber purchases and 10X points on Lyft rides, Chase Dining purchases, and hotels and cars booked through Ultimate Rewards, plus you can get a one year Lyft Pink membership which will give you 15% off each ride. That said, 3X points is still a decent rewards rate if Uber is your only option.
You can also earn 50,000 points after spending $4,000 on purchases in the first 3 months. Redeem those points for travel through the Chase Ultimate Rewards program and they’re worth 50% more — that means your sign-up bonus could be worth $750 toward travel purchases.
This credit card offers other premium benefits, including:
- $300 annual travel credit
- No foreign transaction fees
- Statement credit worth up to $100 for Global Entry or TSA Precheck
- Complimentary DashPass subscription and statement credit worth up to $60 for Doordash
- Complimentary airport lounge access with Priority Pass Select
- Access to the Luxury Hotel & Resort Collection.
Read our Chase Sapphire Reserve review.
#1 Premium Travel Credit Card
/images/2019/05/06/chase-sapphire-reserve-card-art.png)
Intro Offer
50,000 points
Annual Fee
$550
Rewards Rate
up to 10X points per dollar
Benefits
- 50,000 point sign-up bonus
- 10X points on hotels and cars booked through Ultimate Rewards
- $60 annual DoorDash credit in 2021
- Priority Pass airport lounge access
Drawbacks
- High annual fee
- Excellent credit required
- Earn 50,000 points after spending $4,000 on purchases in the first 3 months
- 10X points on Lyft rides, Chase Dining purchases, and hotels and cars booked through Ultimate Rewards; 5X points on air travel booked through Ultimate Rewards; 3X points on travel and dining, and 1X points per $1 spent on everything else
Chase Sapphire Preferred
If you prefer a card with a lower annual fee of $95 and generous rideshare benefits, the Chase Sapphire Preferred could also be a good option. Like its big brother, the Chase Sapphire Reserve, the Preferred also earns Chase Ultimate Rewards points. However, you might also be better off grabbing a Lyft with this card.
Cardmembers can earn 5X on Lyft rides (through March 2022) and travel booked through Chase Ultimate Rewards. However, you'll also get 2X on travel (not booked through Chase Ultimate Rewards), including rideshare services. While the earnings rate isn't as high as what you'd get on Uber rides with other cards on our list, this card offers generous earnings overall.
In addition to the bonus categories above, you can also get 3X on eligible dining, delivery, takeout, select streaming services, and online grocery purchases (excluding Target, Walmart, and wholesale clubs). Plus, there's a hefty welcome bonus with this card: Earn 60,000 points after spending $4,000 on purchases in the first 3 months. The bonus alone is worth $750 toward travel booked through Chase.
Read our Chase Sapphire Preferred review.
Our #1 Travel Card
/images/2021/08/17/chase-sapphire-preferred-081721.jpg)
Intro Offer
60,000 points
Annual Fee
$95
Rewards Rate
up to 5X points
Benefits
- 60,000 point sign-up bonus
- 5X points on travel booked through Chase Ultimate Rewards
- 25% more value when redeeming rewards for travel through Chase Ultimate Rewards
- 10% anniversary point bonus each year
- $50 annual credit on hotel stays booked through Ultimate Rewards
- Premium travel protection benefits
Drawbacks
- Has annual fee
- Typically need to spend thousands to reap rewards
- Earn 60,000 points after spending $4,000 on purchases in the first 3 months
- 5X points on Lyft rides (through March 2022) and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases
American Express Gold Card
If you enjoy dining out, the American Express Gold Card could be worth considering. While it has a $250 annual fee, it offers 4X on U.S. supermarkets (up to $25,000 per year, after that 1X) and restaurants. That means you can get bonus rewards on all your Uber Eats orders.
In addition to bonus rewards, cardmembers also get up to $120 per year in Uber Cash by adding the Gold Card to their Uber account. Each month, you'll receive $10 good toward Uber Eats orders or Uber rides in the U.S.
Plus, there's a generous welcome bonus with this card: Earn 60,000 Membership Rewards points after you make $4,000 in purchases within the first 6 months.
Read our American Express Gold Card review.
Big Rewards for Dining Out
/images/2021/02/12/amex_rose_gold.png)
Intro Offer
60,000 Membership Rewards points
Annual Fee
$250
Rewards Rate
up to 4X points per dollar
Benefits
- Earn 60,000 Membership Rewards points after you spend $4,000 in the first 6 months
- Rose gold is back! Choose your color.
- $120 in dining credits
- $120 in Uber Cash
- Select benefits require enrollment.
- No foreign transaction fee
- $250 annual fee. Terms apply.
Drawbacks
- No lounge access benefit
- Has annual fee
- Earn 60,000 Membership Rewards points after you make $4,000 in purchases within the first 6 months
- 4X Membership Rewards points at U.S. supermarkets (up to $25,000 per year, after that 1X) and at restaurants, 3X on flights booked directly with airlines or on Amextravel.com, and 1X on all other eligible purchases
- Terms apply
Best business card for Uber
If you frequently use Uber while traveling for business, signing up for the right rewards credit card can help you save money.
| Card | Annual fee | Why it’s great for Uber rides |
| Chase Ink Business Preferred | $95 | You’ll earn up to 5X points per $1 spent on the first $150,000 spent on travel, including rideshare services |
Chase Ink Business Preferred
The Chase Ink Business Preferred Card has a relatively low annual fee, but it’s a powerhouse of a rewards card. You’ll earn 5X points on Lyft rides; 3X points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines; and 1X points per $1 on everything else. That means your Uber rides could earn 1X points per dollar.
Plus you’ll earn 100,000 points after spending $15,000 in the first 3 months. Redeem your points for travel through the Chase Ultimate Rewards program and your points will be worth 25% more. That means 100,000 points would be worth $1,250 toward travel.
The card has other valuable benefits, including:
- Trip cancellation and interruption insurance
- Roadside assistance
- Primary auto rental damage collision waiver
- Cell phone protection
- Purchase protection
- Extended warranty protection
Read our Chase Ink Business Preferred review.
Hot Sign-up Bonus
/images/2021/07/29/chase-business-preferred-072921.jpg)
Intro Offer
100,000 points
Annual Fee
$95
Rewards Rate
up to 5X points
Benefits
- 100,000 point sign-up bonus
- 3X points on travel and common business spending categories
- Flexible redemption options
- Additional employee cards at no extra cost
Drawbacks
- Has annual fee
- No intro 0% APR promotion offered
- Limited business-specific benefits
- Earn 100,000 points after spending $15,000 in the first 3 months
- 5X points on Lyft rides; 3X points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines; and 1X points per $1 on everything else
Why we chose these cards
When evaluating the best rewards credit cards on the market, we looked for cards that offer special rewards and benefits for Uber users. We identified cards that offered statement credits to reimburse you for Uber rides or Uber Eats orders and which offered higher reward percentages on rideshare services.
Many of these cards also offer flexible redemption options for your rewards, so you’re not stuck with a bunch of points you can’t use.
Final thoughts
Whether you get around town with UberPool or prefer a little luxury with an Uber Comfort ride, signing up for a rewards credit card can help put more money back in your wallet. While the Uber Visa Card was discontinued recently, there are several other great cards that could help you earn rewards from your Uber rides and Uber Eats purchases.
If you’re looking for a rewards card to earn a higher rate of return in other spending categories, check out the best credit cards of 2021.
#1 Cash Back at Supermarkets
Intro Offer
$300 statement credit
Annual Fee
$95
Rewards Rate
up to 6% cash back
Benefits
- Earn a $300 statement credit after spending $3,000 in the first 6 months
- 6% cash back on U.S. streaming services and at U.S. supermarkets
- 3% cash back at U.S. gas stations and on eligible transit
- $95 annual fee. Terms apply.
Drawbacks
- Has annual fee after first year
- Has foreign transaction fee
- Earn a $300 statement credit after spending $3,000 on purchases in the first 6 months
- 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1X) and on U.S. streaming services, 3% at U.S. gas stations and on eligible transit, and 1% on other purchases
- Intro purchase 0% offer: 0% for 12 months then 13.99% to 23.99% (variable)
- Terms apply
/authors/kat-tretina.png)