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 benefits, 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.
6 best credit cards for Uber
|Card||Annual fee||Why it’s great for Uber rides|
|Amex Platinum Card||$550||You’ll get $15 in Uber Cash per month within the U.S., plus an extra $20 in December|
|Amex Blue Cash Preferred||$95 (waived first year)||You can earn 3% cash back on rideshare services|
|Chase Sapphire Reserve||$550||You’ll get 3X points per $1 spent on travel, including Uber rides|
|Citi Premier Card||$95||You can earn 3X points per $1 spent on travel, including rideshare services|
|Wells Fargo American Express Propel Card||$0||You’ll earn 3X points per $1 spent on transit services, including Uber rides.|
|Uber Visa Card||$0||Earn 10,000 points (valued at $100) after spending $500 in the first 90 days, redeemable for Uber Cash, cash back, or gift cards|
The Platinum Card from American Express
Despite the relatively high annual fee, the Platinum Card from American Express — a luxury charge card — can be a worthwhile option for frequent Uber users.
You 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 and hotel purchases, and 1X points per dollar on all other eligible purchases. Plus, you can earn 60,000 membership rewards points after spending $5,000 in the first 3 months.
The card has other valuable benefits, too, including:
- $200 airline fee credit
- Fee credit for Global Entry or TSA Precheck
- Access to the Fine Hotels & Resorts program
- Access to the Global Lounge Collection
- Secondary car rental loss and damage insurance
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 a strong rewards structure, offering 6% cash back at U.S. supermarkets (for first $6,000 per year) and on U.S. streaming services, 3% at U.S. gas stations and on eligible transit, and 1% on other purchases.
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 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.
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, plus you can get one year of Lyft Pink 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.
You’ll also get other premium benefits, including:
- $300 annual travel credit
- Statement credit worth up to $100 for Global Entry or TSA Precheck
- Complimentary airport lounge access
- Access to the Luxury Hotel & Resort Collection.
With the Citi Premier Card, you’ll get 3X points at restaurants, supermarkets, and gas stations, and on air travel and hotels; and 1X points on all other purchases. Uber rides are counted in the travel category, meaning you’d be eligible for 3X the points per dollar spent.
Plus, earn 60,000 bonus points after spending $4,000 in the first 3 months, redeemable for $750 in airfare on any airline when booked through the ThankYou Travel Center.
Wells Fargo Propel
The Wells Fargo American Express Propel Card doesn’t have an annual fee, but it still offers valuable rewards. You’ll get 3X points on eligible dining, transportation, travel, and streaming service purchases; and 1X points on other purchases — meaning you could earn 3X points per dollar on Uber rides.
You’ll also earn 20,000 points when you spend $1,000 within the first 3 months. That’s worth $200 when redeemed for cash back.
The card also offers an introductory APR (annual percentage rate) offer on new purchases and balance transfers. You’ll get a 0% APR for 12 months. After that, your APR will be 14.49% to 24.99% (variable), depending on your creditworthiness.
Uber Visa Card
If you frequently use Uber Eats or take rides with Uber, the Uber Visa Card may be the perfect credit card for you.
It has no annual fee, and you’ll earn the following rewards:
- 5% back on Uber, Uber Eats, and JUMP (except purchases of Uber Cash and Uber gift cards)
- 3% back on restaurants, bars, hotels, vacation rentals, and airfare
- 1% back on all other purchases
It also has an easy-to-earn sign-up bonus. Spend just $500 on purchases within the first first 90 days of opening an account and you’ll get 10,000 points, redeemable for Uber Cash, gift cards, or statement credits.
The card has other cool benefits, too:
- Get up to $600 for mobile phone damage or theft when you pay your mobile bill with your Uber credit card
- Qualify for a statement credit worth up to $50 for online subscription services after you spend $5,000 or more on your card per year
- Receive invites to exclusive events and offers in select U.S. cities
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 3X 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
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.
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.
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 2019.