Frequent Uber or Lyft passenger? These credit cards are for you

Feb 12, 2020

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Update: Some offers mentioned below are no longer available. View the current offers here – Citi Premier® Card           

Editor’s note: This is a recurring post, regularly updated with current card details. 

Whether you’re a fan of it or not, there’s no denying that the sharing economy has created additional options for travelers. Airbnb is a prime example, allowing you to enjoy a more local experience at your destination – even in new, fast-growing markets. The sharing economy has also transformed transportation in many cities around the world, with ride-hailing services Uber and Lyft providing a convenient alternative to traditional methods.

(Photo courtesy of Uber)
(Photo courtesy of Uber)

As ride-share apps have risen in popularity, this has become a common bonus category for both travel credit cards and cash-back credit cards. In order to make sure you’re getting the most out of your ride-shares, make sure you’re using the right credit card for each trip.

The best cards for Lyft and Uber purchases

In This Post

Overview of the best cards for Uber and Lyft

Card

Rewards on Uber/Lyft

Annual fee

Chase Sapphire Reserve® 10x Ultimate Rewards points on Lyft; 3x on travel, including ride-share services $550
Uber Credit Card 5% Uber Cash on Uber and Uber Eats $0
Chase Sapphire Preferred® Card 5x Ultimate Rewards points on Lyft; 2x on travel, including ride-share services $95
U.S. Bank Cash+™ Visa Signature® Card 5% cash back on first $2,000 in purchases for ground transportation (if chosen category) $0
American Express® Green Card 3x Membership Rewards points on transit, including ride-share services $150 (see rates and fees)
Wells Fargo Propel American Express® card 3x GoFar Rewards points on transit, including ride-share services $0

Apple Card

3% Apple Cash on Uber and Uber eats $0
Blue Cash Preferred® Card 3% cash back on transit, including ride-share services $0 introductory annual fee for one year, then $95. Offer Expires 12/10/2020 (see rates and fees)
Citi® Double Cash Card 2% cash back on all purchases (1% when you buy, plus 1% as you pay) $0
The Platinum® Card from American Express 1x on ride-share services (but the card offers quite a few Uber perks) $550 (see rates and fees)

 

The information for the Amex Green Card, Uber card, U.S. Bank Cash+ card, Apple 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.

Card details of the best cards for Uber and Lyft

Chase Sapphire Reserve

(Photo by The Points Guy)
(Photo by The Points Guy)

Annual fee: $550

Rewards on ride-shares: 10x on Lyft; 3x on travel, which includes Uber

Why it’s great for Lyft and Uber: The Chase Sapphire Reserve — one of the best travel credit cards on the market— offers an unbeatable 10x on Lyft purchases and a solid 3x on Uber expenses, which code as travel on your statement. The Lyft and Uber benefits with the Sapphire Reserve don’t end with the earning structure — there’s also the $300 in annual travel credits and a partnership with Lyft to give cardholders a complimentary Lyft Pink membership. Because Chase considers ride-share services to be a travel expense, you can also potentially get up to $300 off your rides every year. Chase automatically reimburses you in statement credits for your travel credits.

Read our full card review for more details.

APPLY HERE: Chase Sapphire Reserve

Uber Credit Card 

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

Annual fee: $0

Rewards on ride-shares: 5% Uber Cash for Uber and Uber Eats purchases

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, 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 such as 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.

APPLY HERE: Uber Credit Card

Chase Sapphire Preferred Card

(Photo by Riley Arthur for The Points Guy)
(Photo by Riley Arthur for The Points Guy)

Annual fee: $95

Rewards on ride-shares: 5x on Lyft; 2x on travel, which includes Uber

Why it’s great for ride-shares: Much like the Chase Sapphire Reserve, the Chase Sapphire Preferred will earn you bonus points for your Lyft and Uber rides. The Sapphire Preferred currently earns 5x on Lyft, thanks to the company’s partnership with Chase, and 2x points on other eligible travel and dining purchases, including Uber rides.

Read our full card review for more details.

APPLY HERE: Chase Sapphire Preferred 

U.S. Bank Cash+™ Visa Signature® Card

(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Annual fee: $0

Rewards for ride-shares: 5% cash back on the first $2,000 spent each quarter on ground transportation (if chosen category)

Why it’s great for ride-shares: We like this card because you can earn 5% cash back on your first $2,000 spent per quarter on two categories of your choice, including ground transportation — which covers Lyft and Uber rides. Other popular categories include TV/internet/streaming services, cellphone providers and fast-food restaurants. Plus you earn 2% cash back on either gas, restaurants or grocery stores — all at no annual fee.

Read our full card review for more details.

APPLY HERE: U.S. Bank Cash+™ Visa Signature® Card

American Express Green Card

(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Annual fee: $150 (see rates and fees)

Rewards for ride-shares: 3x on transit, including ride-share apps like Lyft and Uber

Why it’s great for ride-shares: When Amex relaunched its iconic Amex Green Card, it added expanded bonus categories to the benefits list — including 3x on transit. Lyft and Uber purchases both fall under that transit. The card earns Membership Rewards points, which TPG values at 2 cents each. That means you’re getting a 6% return on all of your ride-share spending. 

Read our full card review for more details.

APPLY HERE: American Express Green Card 

Wells Fargo Propel American Express card

Annual fee: $0

Rewards for ride-shares: 3x on travel, including ride-share apps like Lyft and Uber

Why it’s great for ride-shares:With this card, you earn 3x per dollar spent on travel, which includes Lyft and Uber rides. TPG values points at 1.5 cents per dollar spent. You can redeem your points for 1 cent each toward travel through the Wells Fargo portal, but pairing this card with the Wells Fargo Visa Signature® Card could get you 1.5 cents per point through the portal. You don’t pay foreign transaction fees and you can redeem the points you earn on the card in Wells Fargo’s Go Far® Rewards portal — all with no annual fee.

Read our full card review for more details.

The information for the Wells Fargo Visa Signature and Propel cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Apple Card

(Photo by Wyatt Smith / The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Annual fee: $0

Rewards for ride-shares: 3% cash back on Uber and Uber Eats

Why it’s great for ride-shares: On Sept. 20, 2019, Uber became one of the latest vendors to earn 3% cash back (Daily Cash) on the Apple Card. The truth is, this card is best for true Apple loyalists, since you only earn the highest Daily Cash on Apple, Uber, Walgreens and Duane Reade purchases. You receive Daily Cash right after each purchase. That’s good if you’re a fan of simple cash back, but if you’re going for points or miles, this card isn’t the best choice.

Read this for more details.

APPLY HERE: Apple Card

Blue Cash Preferred Card

Annual fee: $95, waived the first year (see rates and fees)

Rewards for ride-shares: 3x on transit, including ride-share apps like Lyft and Uber

Why it’s great for ride-shares: The Blue Cash Preferred is another Amex card that received a makeover in 2019, adding expanded earning categories. One of those additional categories was transit, which includes Lyft and Uber purchases. This card isn’t a top earner on this list, since the 3% you earn is cash back, not Membership Rewards points through Amex. However, it remains a strong card option to use on your ride-share expenses.

Read our full card review for more details.

APPLY HERE: Blue Cash Preferred Card

Citi Double Cash Card 

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

Annual fee: $0

Rewards for ride-shares: 2% back on every purchase (1% when you buy and 1% when you pay your bill)

Why it’s great for ride-shares: The Citi Double Cash offers up to 2% across every purchase, including Lyft and Uber purchases. This the highest-earning, flat-rate cash-back card on the market, and it’s a common choice for those who want a straightforward way to earn rewards across every purchase. Now, you can also convert your Double Cash rewards into ThankYou points when you also have an eligible ThankYou credit card from Citi, such as the Citi Premier® Card.

Read our full card review for more details.

APPLY HERE: Citi Double Cash Card

The Platinum Card® from American Express

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

Annual fee: $550 (see rates and fees)

Rewards for ride-shares: 1x

Why it’s great for ride-shares: While you’re not earning bonus rewards on Uber or Lyft 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 is broken 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.

APPLY HERE: Amex Platinum Card

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 sometimes 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: Uber gift cards 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. The information for the Ink Business Cash has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

For rates and fees of the Platinum Card, please click here.
For rates and fees of the Amex Green card, please click here.
For rates and fees of the Blue Cash Preferred card, please click here.

Featured image by Olly Curtis/Future via Getty Images

2019 TPG Award Winner: Premium Card of the Year
Chase Sapphire Reserve®

SIGN-UP BONUS: 50,000 Points

TPG'S BONUS VALUATION*: $1,000

CARD HIGHLIGHTS: 3X points on all travel and dining, $300 annual travel credit, points transferrable to over a dozen travel partners

*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 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.
Intro APR on Purchases
N/A
Regular APR
16.99%-23.99% Variable
Annual Fee
$550
Balance Transfer Fee
Either $5 or 5% of the amount of each balance 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.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.