Frequent Uber passenger? These credit cards are for you

Oct 29, 2019

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Ride-hailing services like Uber make it easy to get around in many parts of the world. If Uber is available in your home city or destinations you visit frequently, it’s likely you’ll find yourself using the service. Even if Uber isn’t your first choice for ride-hailing, it’s oftentimes the best (or only) option — especially when traveling abroad.

In order to make sure you’re getting the most out of your Uber rides, make sure you’re using the right credit card for each ride. To help you maximize the points earned on Uber rides or enjoy some credits toward free rides, check out this guide to see which cards you should add to your purse or wallet.

In This Post

1. Uber Credit Card 

(Photo by John Gribben for The Points Guy)
(Photo by John Gribben for The Points Guy)

 

Annual fee: $0

Rewards for Uber: 5% Uber Cash

Why it’s great for Uber: If you’re looking for a way to earn Uber Cash for future Uber purchases, this is a solid card for you. It earns the highest straight return of any card on Uber rides, Uber Eats and JUMP bike and scooter rentals. You’ll also earn 3% on travel (including airfare, hotels and vacation rentals from sites such as Airbnb), restaurants and bars. Your Uber Cash never expires, and you get benefits like a $50 annual credit on subscription services (when you spend $5,000 throughout the year) and cell phone protection. If you spend $300 on Uber a month, you’ll get $15 in Uber Cash each month.

Read our full card review for more details.

2. Chase Sapphire Reserve

(Photo by Eric Helgas/The Points Guy)
(Photo by Eric Helgas/The Points Guy)

Annual fee: $450

Rewards for Uber: 3x on travel — which includes rideshare apps like Uber

Why it’s great for Uber: The Chase Sapphire Reserve — one of the best travel credit cards — is also 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 each month, which are worth about $18 based on TPG’s most recent valuations. The Uber benefits with the Sapphire Reserve 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.

Read our full card review for more details.

3. Ink Business Preferred Credit Card

(Photo by Isabelle Raphael/The Points Guy)
(Photo by Isabelle Raphael/The Points Guy)

Annual fee: $95

Rewards for Uber: 3x on travel, including rideshare apps like Uber

Why it’s great for Uber: The Ink Business Preferred card from Chase is a great option for Uber passengers since much like the issuer’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 account anniversary year. Of course, for Uber riders, that travel bonus category is especially appealing. If you spend $300 a month on Uber rides, you’d get 900 Ultimate Rewards points each month, which are worth $18 based on TPG’s valuations.

Read our full card review for more details.

4. Citi PremierSMCard

(Photo by Isabelle Raphael/The Points Guy)
(Photo by Isabelle Raphael/The Points Guy)

Annual fee: $95

Rewards for Uber: 3x on travel, including rideshare apps like Uber

Why it’s great for Uber: The Citi Premier Card is another card that offers 3 Citi ThankYou points per dollar spent on travel, including Uber and (most) gas stations. This means if you spend $300 per month on Uber rides, you’d earn a total of 900 Citi ThankYou points each month. These 900 points are worth about $15 based on TPG’s valuations. While the Premier’s ThankYou points aren’t quite as valuable as Amex Membership Rewards or Chase Ultimate Rewards, 3x on Uber purchases for just $95 a year is something most of the other cards on this list can’t compete with.

The information for the Citi Premier Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Read our full card review for more details.

5. Chase Sapphire Preferred Card

(Photo by Isabelle Raphael / The Points Guy)
(Photo by Isabelle Raphael/The Points Guy)

Annual fee: $95

Rewards for Uber: 2x on travel, including rideshare apps like Uber

Why it’s great for Uber: Much like the Chase Sapphire Reserve, 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 $300 per month on Uber rides, you’d earn a total of 600 Ultimate Rewards points each month. These 600 points are worth about $12 based on TPG’s valuations.

Read our full card review for more details.

6. The Platinum Card® from American Express

(Photo by Isabelle Raphael/The Points Guy)
(Photo by Isabelle Raphael/The Points Guy)

Annual fee: $550

Rewards for Uber: 1x

Why it’s great for Uber: While you’re not earning bonus rewards on Uber purchases, the Platinum Card is one of the best options out there for Uber perks. The highlight of those benefits is up to $200 in Uber credits to use annually. That $200 in annual credits breaks down as $15 to use each month, plus a $20 bonus in December ($35 total for that month). To get the credits, you just need to add your Platinum Card as a payment option in your Uber app — the monthly credits will then be loaded into your Uber Cash account automatically at the beginning of each month. As an Amex Platinum cardholder, you’ll also get Uber VIP status which allows you to request top-rated drivers in select cities.

Read our full card review for more details.

Another option: Gift cards

(Summer Hull / The Points Guy)
(Photo by Summer Hull/The Points Guy)

Gift cards earn a special mention in this article. That’s because many users can earn a better return when they purchase Uber gift cards with a credit card, as opposed to paying for Uber rides directly with a credit card. There are some caveats to Uber gift cards though: they can only be used for rides or UberEats orders in the country where the gift card was purchased, and they can’t be used for UberRUSH, family profiles or scheduled rides.

Buying Uber gift cards can be a good way to earn a solid return if you have a credit card that offers high bonus earning for merchants where you can purchase gift cards, such as grocery stores, gas stations or office supply stores. Three popular options for purchasing gift cards at select merchants are the Ink Business Cash Credit Card, the American Express® Business Gold Card and the Blue Cash Preferred® Card from American Express. You’ll just need to find a store in the bonus category for your card that sells Uber gift cards and will allow you to purchase gift cards with a credit card.

For rates and fees of the Platinum Card, please click here.

Featured image by Leon Neal / Getty Images.

The Platinum Card® from American Express

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

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • 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
Intro APR on Purchases
N/A
Regular APR
N/A
Annual Fee
$550
Balance Transfer Fee
See Terms
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

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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