Best Credit Cards for Uber and Lyft
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The costs of being chauffeured by a ridesharing service like Uber or Lyft can add up if you're a frequent customer. And while you don't need a credit card to pay for rideshares, having one that offers incentives for those purchases may help offset some of the costs.
Whether you're team Uber or Lyft, consider these cards to get more value on future rides.
» MORE: How much to tip an Uber driver
The Uber Credit Card was once an ideal option for Uber loyalists, but the card is no longer available. Barclays announced it was discontinuing the Uber Credit Card starting Aug. 4, 2021. (It has not been open to new applications since early 2020.) Existing cardholders were transferred to a different product in October 2021.
Top cards for Uber and Lyft
Wells Fargo Active Cash® Card
Our pick for: Minimalists
Card details
Rewards: Earn an unlimited 2% cash back on all purchases.
Sign-up bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Annual fee: $0.
APR: 0% intro APR on Purchases for 12 months and 0% intro APR on Balance Transfers 12 months from account opening on qualifying balance transfers, and then the ongoing APR of 19.74%, 24.74%, or 29.74% Variable APR.
Why we like it
The Wells Fargo Active Cash® Card offers a decent ongoing 2% cash-back rate on all purchases. Earning rewards is as straightforward and simple as it gets. You don't have to keep track of rewards categories or spending caps to earn rewards.
Drawbacks
Unless you are a Wells Fargo customer, you can only redeem cash back for a statement credit or a paper check. Wells Fargo customers have more flexible redemption options that include a direct deposit into an eligible Wells Fargo bank account or a withdrawal from eligible Wells Fargo ATMs.
›› See the full review: Wells Fargo Active Cash® Card
If you don't use Uber or Lyft specifically but still have a work commute, consider our list of the best credit cards for transit.
Apple Card
Our pick for: Apple enthusiasts
Card details
Rewards:
Up to 3% daily cash back with Apple and select merchants when you use Apple Card with Apple Pay.
2% cash back on all other purchases made through Apple Pay.
1% cash back on all purchases made with the physical Apple Card.
Terms apply.
Welcome offer: None.
Annual fee: No Fees*.
APR: The ongoing APR is 18.74%-28.99%, Variable.
Why we like it
The Apple Card earns a 3% back when you make purchases with Uber or Uber Eats through Apple Pay. That’s a hearty rate for a card that has a $0 annual fee. You also won’t have to wait to use your rewards. They are credited to your account daily, allowing you to use them faster than other rewards credit cards.
Drawbacks
The card doesn’t reward broader spending categories. To earn the highest rewards rates, you'll be limited to Apple Pay purchases. This can be an issue if some merchants don’t accept the payment method.
» See the full review: Apple Card
Uber's food delivery service, Uber Eats, is separate from the rideshare service that the company provides. If you frequently spend on food delivery services in addition to rideshare services, a card with a 2% rewards rate can prove fruitful over time. Or, if you prefer to maximize rewards, consider getting a credit card for food delivery services and one for rideshare purchases.
Blue Cash Preferred® Card from American Express
Our pick for: Everyday spenders
Card details
Rewards:
6% cash back at U.S. supermarkets on up to $6,000 in spending per year.
6% back on select U.S. streaming subscriptions.
3% back on transit including U.S. gas stations.
1% cash back on everything else.* Terms apply.
Welcome offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.
Annual fee: $0 intro annual fee for the first year, then $95.
APR: 0% intro APR for 12 months on purchases and balance transfers, and then the ongoing APR of 18.74%-29.74% Variable APR.
Why we like it
The Blue Cash Preferred® Card from American Express earns a generous rewards rate on eligible transit purchases, including rideshare services. Since you’re not limited to just one brand in particular, you’re free to shop for the best deal when you're hailing a ride. You’ll also earn rewards in common everyday spending categories, which can add up easily.
Drawbacks
You'll have to spend enough on groceries to make up the cost of the annual fee (currently $0 intro annual fee for the first year, then $95. Terms apply.) For a decent rate minus the annual fee, consider a credit card that offers a 2% rewards rate on all purchases.
» See the full review: Blue Cash Preferred® Card from American Express
U.S. Bank Cash+® Visa Signature® Card
Our pick for: Rewards maximizers
Card details
Rewards:
5% cash back on the first $2,000 in combined eligible net purchases each quarter in two categories you choose from a list. (See full list below.)
2% cash back in one "everyday" category that you choose from a smaller list.
5% cash back on prepaid air, hotel and car reservations booked directly in U.S. Bank's Rewards Center.
1% cash back on all other eligible net purchases.
Welcome offer: $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
Annual fee: $0.
APR: 0% intro APR for 15 billing cycles on purchases and balance transfers, and then the ongoing APR of 18.99%-29.24% Variable APR.
Why we like it
With the U.S. Bank Cash+® Visa Signature® Card, rewards maximizers can earn a top 5% cash-back rate on ground transportation purchases (including Lyft and Uber rides) when activating that category. Unlike other credit cards that offer 5% cash back on rotating bonus categories, you’re not limited to just one bonus category that earns elevated rewards and a low flat rate on everything else. You'll get more rewards tiers that include two bonus categories, a 2% category and the low flat rate. The rewards categories are also more likely to suit your spending since you choose them from a list of options.
Drawbacks
You’ll have to remember to activate categories quarterly and use your credit card when spending in them to make rewards count.
» See the full review: U.S. Bank Cash+® Visa Signature® Card
American Express® Gold Card
Our pick for: Foodies
Card details
Rewards:
4 Membership Rewards points per dollar spent at restaurants on up to $50,000 in purchases per year.
4 points per dollar spent at U.S. supermarkets on up to $25,000 in purchases per year.
3 points per dollar spent for flights booked directly with airlines or with American Express Travel.
1 point per dollar spent on other eligible purchases.
Terms apply.
Welcome offer: Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24. Terms Apply.
Annual fee: $325.
APR: See Pay Over Time APR.
Why we like it
The American Express® Gold Card is a solid choice for foodies who frequently use Uber and dine out. As long as you can make full use of the card's benefits, it's possible to offset the $325 annual fee. The card offers up to $120 a year in Uber Cash, distributed as $10 per month when you add the card to your Uber account. Uber Cash can be applied to Uber Eats orders or Uber rides in the U.S. You'll also get a $120 dining credit annually (distributed as up to $10 in statement credits monthly) when you use the card to make purchases with eligible restaurants or services. Enrollment is required. Terms apply.
Drawbacks
Uber Cash earned won’t roll over to the next month, so you’ll have to use it or lose it. The $325 annual fee also runs high. For a lower annual fee, the American Express® Green Card earns 3 points per dollar spent on eligible travel, dining and transit (including rideshare services). Terms apply.
» See the full review: American Express® Gold Card
Chase Sapphire Reserve®
Our pick for: Frequent travelers
Card details
Rewards:
10 points per dollar spent on Chase Dining purchases.
10 points per dollar spent on hotel stays and car rentals booked through Chase.
5 points per dollar spent on air travel booked through Chase.
3 points per dollar spent on travel and dining not booked with Chase.
1 point per dollar spent on all other purchases.
Through March 2025: 10 points per dollar spent on Lyft (7 points per dollar spent on Lyft plus 3 points per dollar spent on travel).
Welcome offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Annual fee: $550.
APR: The ongoing APR is 21.99%-28.99% Variable APR.
Why we like it
If you're a frequent traveler who uses Lyft on your getaways, you can earn a hefty amount of points on rides with the Chase Sapphire Reserve®. You just have to make use of the card’s benefits to defray the cost of the $550 annual fee. Points are also worth 50% more when redeemed for travel through Chase. And, when you’re not using Lyft, the card's annual travel credit can cover up to $300 spent on rideshare services, trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages, to name a few.
Effective Nov. 15, 2022, Chase Sapphire Reserve® cardholders will receive complimentary Lyft Pink All Access membership for two years and 50% off for their third year when they enroll. This is the highest tier membership available from Lyft and retails for $199.
Drawbacks
This card has a steep $550 annual fee. If you don’t typically spend in the card’s rewards or benefit categories to offset the cost, the $95-annual-fee Chase Sapphire Preferred® Card earns rewards in similar categories, including 5 points per $1 spent on Lyft through March 2025. If you prefer an everyday card that earns travel rewards with a $0 annual fee, consider the Chase Freedom Unlimited®. It earns 5% back on travel purchased through Chase, 3% back at restaurants, including takeout and eligible delivery services, 3% back on drugstore purchases and 1.5% cash back on everything else. Through March 31, 2025, it also earns 5% back on qualifying Lyft services purchased through the Lyft app.
» See the full review: Chase Sapphire Reserve®
The Platinum Card® from American Express
Our pick for: Luxury travelers
Card details
Rewards:
5 Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel (on up to $500,000 in spending per year) .
5 points per dollar on prepaid hotels booked with American Express Travel.
2 points per dollar on other eligible travel expenses booked with American Express Travel.
1 point per dollar on all other purchases.
Terms apply.
Welcome offer: Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Annual fee: $695.
APR: See Pay Over Time APR (see rates and fees for Pay Over Time).
Why we like it
The Platinum Card® from American Express offers rich rewards on travel and a full suite of benefits that can make up for the cost of its sizeable $695 annual fee. Among the benefits included is a credit of up to $200 a year for Uber. The credits are issued monthly, providing you with up to $15 each month and $35 in December to use on rides or Uber Eats orders in the U.S. As of Nov. 8, 2024, you will need to use The Platinum Card® from American Express as the payment method to use this credit. As an added bonus, if you live in an eligible city, you’ll get Uber VIP status, which can offer you exclusive perks and discounts and matching with top-rated drivers. Terms apply.
Drawbacks
The card’s long list of benefits, such as the statement credit for Equinox gyms, may not match your spending. If that's the case, you’ll lose opportunities to make up the cost of the pricey $695 annual fee. Terms will apply to the card's different benefits.
» See the full review: The Platinum Card® from American Express
Bilt World Elite Mastercard® Credit Card
Our pick for: Renters
Card details
Rewards:
5 points per dollar spent on Lyft (when you link accounts).
3 points per dollar spent on dining.
2 points per dollar spent on travel.
1 point per dollar spent on rent (up to 100,000 points in a calendar year).
1 point per dollar spent on other purchases.
Welcome offer: None.
Annual fee: None.
APR: See Terms.
Why we like it
The $0-annual fee Bilt World Elite Mastercard® Credit Card allows you to earn rewards when you pay rent on the card, for no transaction fees. Even if you don't live in a Bilt-affiliated rental, if you hold the card you can still use their app to pay your rent without a transaction fee, and your landlord will receive a paper check in the mail from Bilt. And it doesn't stop with rent — the card earns respectable rewards on popular spending categories like dining and travel, plus added perks like cellular telephone protection. Bilt Points can be redeemed in a variety of ways including rent, future home down payment and travel.
Drawbacks
You’ll have to make five purchases per statement period with the Bilt card to be eligible to earn rewards on most purchases (though you will still earn 250 points on rent payments). There's no minimum purchase requirement so it shouldn't be too much of a hurdle, but it does mean you'll have to use the card for more than just rent. The card is also noticeably absent any bonus for new cardholders.
» See the full review: Bilt World Elite Mastercard® Credit Card
Wells Fargo Attune Card
Image courtesy of Wells Fargo
Our pick for: Uber loyalists
Card details
Rewards:
An unlimited 4% on eligible purchases under a variety of categories, including eco-friendlier ways to travel (Uber included).
Get 1% back on everything else.
Sign-up bonus: As of this writing: Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. Plus, Wells Fargo will donate $50 to Capital Link (a national, nonprofit organization) when you qualify for the $100 cash rewards bonus.
Annual fee: $0.
APR: 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter. (Rate is accurate as of July 2024.)
Why we like it
The Wells Fargo Attune Card earns an unlimited 4% back on Uber rides. Moreover, you can also earn 4% back on other eligible forms of transportation or related expenses, like bus lines, EV charging stations, commuter transportation, passenger railways and more. You can redeem rewards for cash back, charitable donations, merchandise, gift cards, travel or eligible purchases.
Drawbacks
It's possible to get a higher sign–up bonus from other rewards credit cards, even if you were to donate $50 of it to charity. You would also have the flexibility to donate the amount to a charity of your choice.
›› See the full review: Wells Fargo Attune Card
Information about the Wells Fargo Attune card has been collected by NerdWallet and has not been provided or reviewed by the issuer of this card.
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[Limited Time] New Cardholders Can Get up to $1,050 in Chase Travel℠ Value
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