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There’s no doubt that ride-sharing services like Uber are one of the most convenient ways to get around, whether you’re in your home city where the service is available or traveling around the world. But, in order to make sure you’re getting the most out of your ride, make sure you’re using the right credit card.
If you’re looking to maximize the points earned for your ride or enjoy some credits toward free rides, check out this guide to see which cards you should add to your wallet to get the most out of Uber.
The Platinum Card is one of the best options out there for Uber perks. When the card went through its refresh in 2017, American Express placed an emphasis on benefits with the ride-sharing app.
The highlight of those benefits is $200 in Uber credits to use annually. That $200 in annual credit breaks down as $15 to use each month, which are loaded into your Uber account automatically at the beginning of the month, plus a $20 bonus in December ($35 total for the month). Plus, the monthly credits not only apply to Uber rides, but also to the company’s meal service UberEats.
The other Uber benefit that Amex added with the Platinum refresh came in the form of status. In the select markets where it’s available, you’ll get Uber VIP status just for being a cardholder. VIP status connects members with top-rated drivers. Typically, to qualify for VIP without the Platinum Card, you’ll need to take at least 10 trips in a calendar month.
Aside from Uber-related perks, you’ll get access to the Amex network of Centurion Lounges, a Priority Pass membership and Delta Sky Club access when flying with the carrier. Plus, you’ll get a $200 airline fee credit annually, hotel elite status and a fee credit for Global Entry and TSA PreCheck. The card currently comes with a welcome bonus of 60,000 points after you spend $5,000 in the first three months. There’s a $550 annual fee (See Rates & Fees), but that can be easily canceled out with the credits that come from Uber, airline fees, Global Entry/TSA PreCheck and the valuable Membership Rewards points to be earned.
One of the best cards out there for travel is a great choice for Uber. Because Chase classifies Uber as a travel expense, you’ll earn 3 Ultimate Rewards points for every dollar spent with Uber. For example, if you spend $300 with Uber per month, you’ll walk away with 900 Ultimate Rewards points, which are worth about $19 based on TPG’s most recent valuations.
The Uber benefits with the Sapphire Reserve Card don’t end with the earning structure; there’s also the $300 in annual travel credits. Again, because Chase considers Uber to be a travel expense, you can also potentially get up to $300 off your Uber rides every year. Chase automatically reimburses you in statement credits for your travel credits. So, if you spend only on travel with Uber, you could end up with a lot of free Uber rides.
Currently, the Chase Sapphire Reserve Card comes with a sign-up bonus of 50,000 points after you spend $4,000 in the first three months — worth $1,050 based on TPG’s most recent valuations. You’ll earn 3x Ultimate Rewards points not only on eligible travel purchases, but also on eligible dining purchases. Other than those two generous bonus categories, you’ll earn 1x points on everything else. The card comes with a Global Entry/TSA PreCheck credit and a Priority Pass Select membership. There’s a $450 annual fee, but that amount is effectively knocked down to $150 when you factor in the $300 travel credit.
This business card is a great option for Uber passengers, since much like Chase’s personal Sapphire cards, it earns bonus points for travel. You’ll earn 3x points on travel, shipping purchases, internet, cable and phone services, advertising purchases with social media sites and search engines on the first $150,000 spent in combined purchases each calendar year.
Of course, for Uber riders, that travel bonus category is especially appealing. If you frequently travel with Uber and spend $800 a month on Uber rides, you’d get 2,400 Ultimate Rewards points, which are worth about $50 based on TPG’s valuations.
The Ink Business Preferred Card currently comes with an 80,000-point sign-up bonus after spending $5,000 in the first three months. On top of the 3x bonus categories detailed above, you’ll earn 1x points on everything else with no limits. You can get employee cards at no additional cost. The card has a $95 annual fee.
Much like the Chase Sapphire Reserve Card, the Chase Sapphire Preferred will earn you bonus points for your Uber rides. The Sapphire Preferred earns 2x points on eligible travel and dining purchases, and 1x points on everything else.
So, while you’re riding with Uber, you can rack up the Ultimate Rewards points for each dollar you spend. For example, if you spend $400 per month on Uber rides, you’d earn a total of 800 Ultimate Rewards points, which are worth about $17 based on TPG’s valuations.
Currently, the Chase Sapphire Preferred Card comes with a sign-up bonus of 60,000 points after you spend $4,000 in the first three months — worth $1,200 based on TPG’s valuations. The card comes with several protections and charges no foreign transaction fees. There’s a $95 annual fee.
5. Uber Visa Card
The Barclays co-branded Uber credit card first launched in October 2017. When it was first announced, many were surprised to see bonus categories for non-Uber purchases. Not only that, but the non-Uber purchase categories are higher than those for Uber.
More specifically, with the card, you’ll earn 4% back on restaurants, takeout and bars, including UberEats — the highest bonus category. Next up, you’ll earn 3% back on airfare, hotel and vacation home rentals. Then, at the 2% level, you’ll earn that amount back on online purchases including Uber, online shopping, video and music streaming services (though certain online purchases are excluded, including third-party payment services). Finally, you’ll earn 1% back on all other purchases.
Though the card’s earning structure is very much like a cash-back card, you’ll 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).
Right now, the Uber Visa Card has a sign-up bonus of $100 after spending $500 within the first 90 days. On top of the bonus categories, you can earn up to a $50 credit for online subscription services after you spend $5,000 on your card annually. Perhaps best of all, there are no foreign transaction fees and no annual fee for the card.
For rates and fees of the Platinum Card, please click here.
Featured image by Leon Neal / Getty Images.
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WELCOME OFFER: 60,000 Points Terms Apply.
TPG'S BONUS VALUATION: $1,200
CARD HIGHLIGHTS: Delta Sky Club and Centurion lounge access, $200 annual airline fee credit and up to $200 in Uber credits annually
- Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
- Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
- 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
- 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
- Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
- Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
- $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
- Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
- $550 annual fee.
- Terms Apply.
- See Rates & Fees