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The new co-branded Uber credit card from Barclaycard is one of the better no-annual-fee cards on the market. On Tuesday, Barclaycard informed cardholders of the Uber Visa Card that it would be changing the earn structure on the card. As of December 5, 2017, the card will offer 2% back on most online purchases, including those made through a third-party payment service.

Previously, the card offered the following earning structure:

  • 4% back on restaurants, takeout and bars, including UberEats
  • 3% back on airfare, hotel and vacation home rentals
  • 2% back on online purchases, including Uber, online shopping, video and music streaming services (however, certain online purchases were excluded, including those made through third-party payment services)
  • 1% back on all other purchases.

Effective immediately, however, Barclaycard is offering the opportunity to earn the 2% back on most online purchases. Cardholders will now be able to earn 2% back many popular third-party services, such as Venmo, Apple Pay, Samsung Pay, PayPal and Android Pay.

You can redeem the 2% back in three ways. Though the earning scheme is structured like that of a cash-back card, you technically earn points, which are worth 1 cent apiece toward Uber rides, statement credits or gift cards. You can redeem points for Uber rides directly in your app once you have a minimum of 500 points ($5) in your account. Redeeming points as a statement credit for your account or toward gift cards requires a minimum of $25 (2,500 points).

The addition of third-party services makes this no-annual-fee card even better of an option. The card has a sign-up bonus of $100 after you spend $500 in the first 90 days. It offers mobile phone insurance for up to $600 for damage and theft when you use the card to pay your phone bill. In addition, if you spend at least $5,000 on the card in a year, you’ll get a $50 credit that will automatically be applied toward online subscription services, such as Netflix.

The best beginner points and miles card out there.
Chase Sapphire Preferred® Card

With great travel benefits, 2x points on travel & dining and a 50,000 point sign up bonus, the Chase Sapphire Preferred is a great card for those looking to get into the points and miles game. Here are the top 5 reasons it should be in your wallet, or read our definitive review for more details.

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More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • 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 on Purchases
N/A
Regular APR
17.99% - 24.99% Variable
Annual Fee
$0 Intro for the First Year, then $95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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