Chase Sapphire Reserve℠

Which Credit Card Maximizes Rewards With Uber and Lyft?

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TPG reader Cole sent me a message on Facebook to ask about earning rewards for Uber:

“Is Uber considered a travel expense, and if so, which credit card should I use to pay for Uber charges?”

One important step to maximizing your rewards is knowing how each purchase is categorized. Credit card issuers don’t always agree about what qualifies as travel, dining, etc., and bonus points are awarded based on whether the merchant category code is considered eligible. Fortunately, there are plenty of cards that do classify car services like Uber as travel, and other ways to boost your return on those expenses.

Chase has a pretty broad definition of travel purchases that includes taxis and limousines. In practice, that extends to both Uber and Lyft, so you can earn 3 points per dollar by using the Chase Sapphire Reserve Card or the similar J.P. Morgan Reserve Card. Those are both strong options because Ultimate Rewards points are so valuable, but you can also earn 3 points per dollar with the Citi ThankYou Premier Card.

Additionally, through the end of the year, Amex is offering two free rides from select airports (up to $65), so that’s worth a look as well.

Uber is now also selling gift cards at select retailers, so you might earn more points buying those with a card that earns a category bonus at drugstores or supermarkets.

You can
You can select whichever payment method will help you maximize each Uber trip.

Finally, make sure you take advantage of partnerships that can earn you points and miles with other loyalty programs. Starwood Preferred Guest offers at least 1 Starpoint per dollar spent on Uber rides, or up to 4 points per dollar (depending on your elite status) when you use Uber during a Starwood stay. Uber recently launched a similar partnership with Shop Your Way rewards, and Lyft offers a more modest partnership with JetBlue. Those rewards can all be stacked with the ones you earn from your credit card, so there’s no downside to signing up.

If you have any other questions, please tweet me @thepointsguy, message me on Facebook or send me an email at

Featured image courtesy nycshooter/Getty Images.

Chase Sapphire Reserve℠

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  • New! Earn 100K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,500 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases such as airfare and hotels charged to your card
  • 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. Plus, no foreign transaction fees
  • Get 50% more value when you redeem your points for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 100,000 points are worth $1,500 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 900+ airport lounges worldwide with complimentary Priority Pass™ Select membership
  • Up to $100 application fee credit for Global Entry or TSA Pre√®
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR Regular APR Annual Fee Foreign Transaction Fee Credit Rating
N/A 16.24%-23.24% Variable $450 0% Excellent Credit