Best Credit Cards for Uber and Lyft
Ever wish you could save money on Uber and Lyft? If you use a rideshare service to move around, a credit card that gives you points or cash back can help you lower the cost of your ride-share trips. Many credit cards on the market offer benefits and rewards for one service or both. However, since each user has different requirements, no such card is suitable for everyone. In this post, we’ll give you a rundown of the top credit cards for Uber and Lyft so you can make an informed decision.
Short Review of Best Credit Cards for Uber and Lyft
|Name||Best for||Rewards Rate||APR||Apply|
Capital One Venture Rewards Credit Card |Travel, Daily use||5x Miles per dollar on hotels and rental cars booked through Capital One Travel.2x Miles on all purchases.||20.74% - 28.74% Variable||Learn more|
on our partner’s site
Upgrade Cash Rewards Visa® |Good credit score||1.5% Cash Back on payments.||14.99% - 29.99% Regular||Apply now|
On Upgrade‘s website
Upgrade Triple Cash Rewards Visa® |Low income||3% Cash Back on Home, Auto and Health categories.1% Cash Back on everything else.||14.99% - 29.99% Regular||Apply now|
On Upgrade‘s website
|Travel, Restaurants, Daily use||10x Points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.10x Total points on Chase Dining purchases with Ultimate Rewards®.5x Total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.3x Points on other travel worldwide after the first $300 is spent on travel purchases annually.3x Points on other dining at restaurants, including eligible delivery services, takeout and dining out.1x Point per dollar spent on all other purchases.||21.24% - 28.24% Variable||Learn more|
The Platinum Card® from American Express |Young couples||5x Points on up to $500,000 spent on directly-booked airfare and flights (per calendar year).5x Points on prepaid hotels booked with American Express Travel.1x Points on all other purchases.||20.99% - 28.99% Variable||Learn more|
American Express® Gold Card |Cash Back||4x Points on dining at restaurants worldwide, plus takeout and delivery in the U.S.4x Points on groceries at U.S. supermarkets on up to $25,000 in purchases per year.3x Points on flights booked directly with airlines or on amextravel.com.1x Points on other eligible purchases.||20.99% - 28.99% Variable||Learn more|
|Metal||3% Cash Back at Apple.3% Apple Card gives you unlimited 3% Daily Cash Back on purchases you make at select merchants when you use Apple Card with Apple Pay.2% Cash Back on other Apple pay purchases.1% Cash Back on everything else.||14.74% - 25.74% Variable||Learn more|
American Express Blue Cash Preferred |Gas, Groceries, Streaming services, Daily use||6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).6% Cash Back on streaming (select U.S. streaming subscriptions).3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.3% Cash Back at U.S. Gas Stations.1% Cash Back on other purchases.||18.99% - 29.99% Variable||Learn more|
|Cash Back, 0 APR, No Annual Fee, Daily use||5% Cash Back on travel purchased through Chase Ultimate Rewards.3% Cash back on dining at restaurants, including takeout and eligible delivery services.3% Cash Back on drugstore purchases.1.5% Cash Back on all other purchases.||19.49% - 28.24% Variable||Learn more|
Chase Sapphire Preferred® |Travel, Restaurants, Daily use||$50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.3x Points on dining, including eligible delivery services, takeout and dining out.3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).3x Points on select streaming services.2x Points on other travel purchases.1x Point per dollar spent on all other purchases.||20.49% - 27.49% Variable||Learn more|
American Express® Green Card |Uber and Lyft||3x Points at U.S. restaurants (including takeout or delivery).3x Points on transit (including trains, buses, ferries, subway, and more).3x Points on travel (including airfare, hotels, cruises, tours, car rentals, and more).1x Points on other purchases.||20.99% - 28.99% Variable||Learn more|
Chase Ink Business Preferred® |Without SSN, Daily use||3x Points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year.1x Point per $1 on all other purchases.||20.24% - 25.24% Variable||Learn more|
U.S. Bank Cash+® Visa Signature® Card |Uber and Lyft||5% Cash Back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.5% Cash Back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center.2% Cash Back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants.1% Cash Back on all other eligible purchases.||19.49% - 29.49% Variable||Learn more|
Who should apply
Capital One Venture Rewards Credit Card
If you use ridesharing services regularly and want to earn rewards on your Uber and Lyft purchases, Capital One Venture Rewards is an option worth considering. You earn unlimited 2 miles per dollar on your Lyft and Uber. But like many other cards on the list, it comes with an annual fee of $95 a year.
Read more about Capital One Venture Rewards Credit Card
Chase Sapphire Reserve®
The Chase Sapphire Reserve® is the best credit card for Lyft rides or a good option for those who use Uber instead. You earn 10 points per dollar spent on Lyft purchases and a complimentary year of Lyft Pink membership — normally valued at $19.99/month — which includes 15% off on Lyft rides and priority pickups at airports. Additionally, you earn 3 points per dollar spent on Uber purchases. The card comes with a significant annual fee of $550.
Read more about Chase Sapphire Reserve®
The Platinum Card® from American Express
The Platinum Card® from American Express® comes with a massive list of perks and benefits and offers plenty of value to the right user, despite its steep annual fee. If you travel often, especially internationally, and can make use of the complimentary airport lounge access while waiting out long layovers, the card is a great option.
Read more about The Platinum Card® from American Express
American Express® Gold Card
The American Express® Gold Card is a great option for Uber perks. The highlight of those benefits includes up to $120 in Uber Cash a year ($10/month) and 4 points per dollar on UberEats orders. You can use monthly Uber Cash on Uber rides or Uber Eats in the US. You must add the card to the Uber app to receive these benefits. However, this card comes with an annual fee of $250. Also, you can’t roll over unused Uber credits to the next month.
Read more about American Express® Gold Card
Goldman Sachs Apple
If you don’t like paying annual fees, Apple Card can be a good option for Uber purchases. You get 3% cashback on UberEats and Uber purchases made via Apple Pay. The card, however, doesn’t offer any Uber Cash credit or points for Uber rides.
Read more about Goldman Sachs Apple
American Express Blue Cash Preferred
The Blue Cash Preferred® Credit Card from American Express® offers 3% cash back on transit including ride-share apps such as Uber and Lyft. However, after the first year, you’ll have to pay an annual fee of $95.
Read more about American Express Blue Cash Preferred
Chase Freedom Unlimited®
Regular Lyft users looking for a credit card that will make Lyft purchases more affordable with no annual fee will find Chase Freedom Unlimited® an attractive option. It earns 5% cash back on Lyft purchases, thanks to the company's partnership with Chase.
Read more about Chase Freedom Unlimited®
Chase Sapphire Preferred®
The Chase Sapphire Preferred® Card is a great option for both Lyft and Uber rides. You earn 5x points on Lyft rides and 2x points on Uber rides. The card, however, has an annual fee of $95.
Read more about Chase Sapphire Preferred®
American Express® Green Card
The American Express® Green Card earns 3 points per dollar spent on travel and transit, including Uber and Lyft purchases. This makes it a good card option to use on your ride-share expenses. However, the card comes with an annual fee of $150.
Read more about American Express® Green Card
Chase Ink Business Preferred®
The Ink Business Preferred® Card is worth a look if you are a regular Lyft and Uber user. It offers 3 points per dollar spent on travel, including Lyft and Uber purchases.
Read more about Chase Ink Business Preferred®
U.S. Bank Cash+® Visa Signature® Card
If you are a regular Lyft and Uber rider and want to earn more rewards on ride-sharing purchases with no annual fee, consider the US bank Cash+™ Visa Signature® Card. You can earn 5% cash back on any two bonus categories — including ground transportation, which covers Uber and Lyft rides — up to $2,000 in combined net purchases per quarter.
Read more about U.S. Bank Cash+® Visa Signature® Card
What credit cards have Lyft benefits
The following credit cards provide Lyft benefits:
- Chase Sapphire Reserve®: You earn 10 points per dollar spent on Lyft rides and a complimentary Lyft Pink membership for one year. The Lyft Pink membership offers a 15% discount on all Lyft rides, broader cancellation options, priority pickups at airports, and several other benefits.
- Chase Freedom Unlimited®: With this no-annual-fee credit card, you earn 5% cash back on Lyft rides.
- Chase Sapphire Preferred®: This popular travel card earns you 5 points per dollar spent on Lyft purchases.
- Ink Business Preferred®: For every dollar spent on Lyft rides, you earn 3 points.
- American Express® Green Card: It gives you 3 points for every dollar you spend on Lyft purchases.
- Capital One Venture Rewards: You earn 2 miles per dollar on Lyft purchases.
- Blue Cash Preferred® from American Express®: You earn 3% cash back on Lyft purchases.
- Chase Freedom Flex℠: Use your Chase Freedom Flex℠ to pay for Lyft rides and earn 5% cash back.
Which credit cards give points for Uber
Here are the credit cards that give points for Uber:
- Chase Sapphire Reserve®: Earns 3 points per dollar spent on Uber purchases
- Ink Business Preferred®: Earns 3 points per dollar spent on Uber purchases
- American Express® Green Card: Earns 3 points per dollar spent on Uber purchases
- Capital One Venture Rewards: Earns 2 miles per dollar spent on Uber purchases
- Chase Sapphire Preferred®: Earns 2 points per dollar spent on Uber purchases
How to choose the credit card for Uber and Lyft
Many credit cards out there offer benefits and rewards for Uber and Lyft users. Depending on your needs, you can easily pick one that is best for you. While some cards offer cash back on Uber and Lyft rides, others let you earn points or miles for every dollar you spend on ride-share purchases.
Also, take into account the card’s annual fee, other perks, redemption options, and your spending habits so that you can get the best deal.
How to score additional discounts for Uber and Lyft
The best place to look for discounts is on their respective websites or apps. Another option is to use rewards credit cards, which usually offer cash back or points every time you book an Uber or Lyft ride.
How to save money on Uber and Lyft
Here are four ways to potentially help you save money on Uber and Lyft.
- Sign up for both
Before booking a ride, evaluate pricing between Lyft and Uber. While there might not be much difference most of the time, one ride-share service can end up considerably cheaper. For example, when one service is in high demand, booking a ride with the other can potentially cut down your cost by as much as half or more.
- Avoid Prime Time and Surge Pricing
Both Lyft and Uber increase their rates during high-demand times — when the demand for drivers increases sharply, like during rush hours or bad weather. Since Lyft’s Prime Time and Uber’s Surge pricing can be 2-3 times the regular rates, trying to avoid peak times can help you reduce the cost of your ride-share trips.
While it’s not possible to anticipate high-demand times, you can usually:
- try a different location
- walk a few blocks and try again
- try out surge tracking apps
- wait a bit and check again
- take public transit or a taxi
- Using a rewards credit card
There are many credit cards out there that offer useful rewards for Lyft and Uber, whether you are looking to earn cash back or points.
- Share your ride
Both Lyft and Uber let you share your ride to lower your fare. Sure, your travel time will probably increase, but you can easily save a few dollars or more if you are comfortable with sharing the ride.
What kinds of credit cards does Uber take?
Does Uber only accept credit cards?
No, Uber also accepts several other forms of payment. Besides credit cards, you can pay for Uber rides through debit cards, digital wallets, PayPal, Uber gift cards, and Venmo.
What happened to the Uber Visa Card?
The Uber card was discontinued on October 22, 2021. All existing cardholders were transferred to the Barclays View MasterCard.
Do I need a credit card for UberEats?
No, you don’t need a credit card for UberEats. You can also pay for UberEats orders using a debit card or PayPal account.
How do you change or delete a credit card on Uber?
Here are the steps to change or delete a credit card on Uber:
- Launch the Uber application
- Once the app opens, locate and tap on the Menu icon (the icon consisting of three parallel horizontal lines)
- In the drop-down menu that appears on your screen, find and tap the Payment option
- Scroll through the list and select the credit card you wish to change by tapping on it
- Tap on the Options icon (the icon with three horizontal dots at the top right-hand corner of your screen)
- A drop-down menu with various options will appear. Select the Delete option by tapping on it
- The app will ask you to confirm your action. Tap the Delete button
- Once you have deleted the previous credit card, you will be directed to the Payments Mode screen again. You can add a new credit card if needed by tapping on Add Payment Method
- Tap on the Credit or Debit Card option
- Enter all the required details (credit card number, expiry date, CVV code, and country)
- Tap the Next button. That’s it; now, you can start using the new credit card for your Uber rides.
Is it safe to give Uber my credit card?
Data encryption is directly built into the Uber app. Considering this fact, we can say that giving Uber your credit card details is safe. Your credit card information can’t be stolen from your Uber account, even if someone manages to hack it.