Triple Cash Rewards Visa® Upgrade
Triple Cash Rewards Visa®
Apply now
On Upgrade‘s website

Best Credit Cards for Uber and Lyft 2022

Compare 14 credit cards for Uber and Lyft on Myfin.us.

Cash Rewards Upgrade
Cash Rewards
None
Annual Fee
8.99% - 29.99%
Regular APR
1.5%
Cash Back on payments.
Apply now
On Upgrade‘s website
Deserve® EDU Mastercard Celtic Bank
Deserve® EDU Mastercard
Celtic Bank
None
Annual Fee
18.74%
Regular APR
1%
Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
Apply now
On Celtic Bank‘s site

Best Credit Cards for Uber and Lyft in January 2022

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Triple Cash Rewards Visa® Upgrade
Apply now
On Upgrade‘s website
Our Rating:
3.84 out of 5
scorer
Recommended credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 3% Cash Back on Home, Auto and Health categories.
    • 1% Cash Back on everything else.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    8.99% - 29.99% Regular
  • Balance Transfer APR:
    None
  • Details:

    The Upgrade Triple Cash Rewards Visa® offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else. Plus, the card has no fees.

    The card's APR: 8.99% - 29.99% (Regular APR).

    Apply online and get a credit line from $500 to $25,000 with your Card.

  • Pros:
    • Every Purchase Earns You Cash Back
    • Increased Cash Back for Three Categories
    • Forget About Fees
    • No Limits Abroad
  • Cons:
    • You Can’t Withdraw Cash
    • Cash Back Doesn’t Satisfy Your Monthly Payments
  • Benefits:
    • 3% Cash Back on home, auto and health purchase;
    • 1% Cash Back on everything else;
    • Сontactless card technology.
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Cash Rewards Upgrade
Apply now
On Upgrade‘s website
Our Rating:
2.96 out of 5
scorer
Recommended credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 1.5% Cash Back on payments.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    8.99% - 29.99% Regular
  • Balance Transfer APR:
    None
  • Details:

    The Upgrade Visa® Card with Cash Rewards offers 1.5% Cash Back on payments. Plus, the card has no extra fees.

    The card's APR: 8.99% - 29.99% (Regular APR).

  • Pros:
    • No Foreign Transaction Fee
    • No Annual fee
    • No extra fees
  • Cons:
    • No Intro APR reriod
    • No welcome bonus
  • Benefits:
    • 1.5% Cash Back;
    • Сontactless card technology.
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Celtic Bank Deserve® EDU Mastercard best for Cash Back, Without SSN, Student

Deserve® EDU Mastercard Celtic Bank
Apply now
On Celtic Bank‘s site
Our Rating:
3.5 out of 5
scorer
Recommended credit score
No Credit History to Excellent (0-799)
  • Rewards Rate:
    • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    18.74% Variable
  • Balance Transfer APR:
    None
  • Issuer name:
    Celtic Bank
  • Details:

    The Deserve EDU Mastercard for Students makes it easy for students to start building credit.

    The card's APR is 18.74% (Variable APR). The late payment is up to $25, while the returned payment is up to $37. Balance transfers and cash advances are not available.

    Students who make purchases totaling $500 within the first three statement cycles of card membership qualify to have their Amazon Prime Student subscription reimbursed (a $59 value).

    Students spend a significant amount on school supplies, textbooks and gear each year, and the Deserve EDU Mastercard can earn Cash Back on all of these purchases.

  • Pros:
    • No prior credit history required
    • No SSN Required
    • No Annual Fee
    • No
    • Transactions Fees
    • No Co-Signer/ Deposit Required
  • Cons:
    • Relatively High APR
    • Fairly Low Rewards
    • Only for Students
  • Benefits:
    • Cellphone Protection;
    • Collision Damage Waiver;
    • Concierge Service;
    • No International Transaction Fees;
    • Priority Pass™ Membership;
    • Mastercard Benefits;
    • No Social Security Number required for international students to apply.
View all Deserve® EDU Mastercard details
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Chase Freedom Flex℠ best for Cash Back, 0 APR, No Annual Fee, Daily use

Chase Freedom Flex℠
Our Rating:
5 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
    • 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% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
    • 5% Cash Back on gas station purchases on up to $6,000 spent in the first year.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Intro APR for the first 15 months that your Account is open
  • Regular APR:
    14.99% - 23.74% Variable
  • Balance Transfer APR:
    14.99% - 23.74% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Freedom Flex card offers Cash Back in a wide variety of categories.

    You’ll earn 5% Cash Back on travel (through the Chase Ultimate Rewards travel service, and also for Lyft rides). Plus, earn 5% Cash Back on gas on up to $6,000 spent in the first year. You’ll also get 3% Cash Back on restaurant purchases, on drugstore purchases and 1% Cash Back on all other purchases.

    Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

    The card offers a 15-month 0% annual percentage rate for purchases, after which the APR is 14.99% - 23.74% Variable. Unfortunately, the card does not offer an introductory APR on balance transfers. The card charges no annual fee but 5%, or a $5 minimum fee, on balance transfers.

    My Chase PlanSM Fee is 0% of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan while in the 0% Intro Purchase APR period. After that, monthly fee of 1.72% of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.

  • Pros:
    • $200 sign-up bonus
    • High cash back rewards on quarterly rotating bonus categories
    • Decent cash back rewards on select spending categories
    • 0% intro APR on purchases
    • No annual fee
  • Cons:
    • Foreign transaction fee
    • Rotating spending categories require activation
    • No intro APR on balance transfers
  • Benefits:
    • 5% Cash Back on gas;
    • 5% Cash Back on up to $1,500 on combined purchases in bonus categories;
    • 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% Cash Back on all other purchases;
    • $200 Cash Back;
    • Zero Liability Protection;
    • Extended Warranty Protection;
    • Trip Cancellation/Interruption Insurance;
    • Cell Phone Protection;
    • Auto Rental Collision Damage Waiver;
    • Travel and Emergency Assistance Services.
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American Express Gold Card best for Cash Back

American Express® Gold Card
Our Rating:
3.15 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 4x Points on dining.
    • 4x Points on groceries.
    • 3x Points on flights.
    • 1x Points on other eligible purchases.
  • Intro Offer:
    • 75,000x Membership Rewards® Points after you spend $4,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Annual Fee:
    $250 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    15.99% - 22.99% Variable
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The American Express® Gold Card's annual fee is $250. The card offers 4x points on dining and griceries, 3x on flights and 1x on all other purchases.

    There is a 15.99% to 22.99% variable APR.

    As a new cardholder, you have the chance to earn an impressive 75,000 Membership Rewards Points after spending $4,000 in purchases within your first six months. New cardholders will also have the chance to obtain the alternate Rose Gold art.

    There are no foreign transaction fees with this travel card.

    Add your Gold Card to your Uber account, and you’ll automatically get $10 in Uber Cash each month, for a total of up to $120 per year. You can use your monthly Uber Cash on Uber Eats orders or Uber rides in the U.S.

    Dining from the comfort of your home can save you up to $120 annually. Earn up to $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, Boxed and other participating partners. Enrollment required.

    By booking two consecutive nights or more through the American Express Travel portal at any of 600+ eligible properties with your card, you can receive up to a $100 hotel credit in addition to a possible room upgrade if eligible. The expenses that this credit can cover varies by property, but you can expect money back on qualifying dining, spa services, resort activities and things of that nature.

  • Pros:
    • High rewards rate for select categories
    • Introductory Bonus Points
    • No Foreign Transaction Fee
    • UberCash Credit
    • $120 Dining Credit
  • Cons:
    • Complicated Rewards System
    • High Annual Fee
    • Limited International Acceptance
    • Relatively High Credit Score Requirements
  • Benefits:
    • $120 Uber Cash to Dine or Ride;
    • $100 hotel credit with The Hotel Collection;
    • 75,000 Membership Rewards® Points;
    • 4x Membership Rewards® Points on dining;
    • 4x Membership Rewards® Points on groceries;
    • 3x Membership Rewards® Points on flights;
    • 1x Membership Rewards® Points on all other purchases;
    • Additional Cards;
    • American Express Experiences;
    • Car Rental Loss and Damage Insurance;
    • Baggage Insurance Plan;
    • Global Assist® Hotline;
    • The Hotel Collection.
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Chase Sapphire Preferred® best for Travel, Restaurants, Daily use

Chase Sapphire Preferred®
Our Rating:
4.53 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • $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.
  • Intro Offer:
    • 60,000x Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Annual Fee:
    $95 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    15.99% - 22.99% Variable
  • Balance Transfer APR:
    15.99% - 22.99% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Sapphire Preferred® Card offers 2x points on travel and dining. Get 25% more value when redeemed for travel.

    The Sapphire Preferred has a $95 annual fee. The card’s variable APR is 15.99% to 22.99%.

    My Chase PlanSM Fee is 1.72% (monthly fee) of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.

  • Pros:
    • Excellent sign-up bonus
    • No foreign transaction fees
    • 25% more redemption value
    • Unique “My Chase Plan” offer
    • Great Referral Program
  • Cons:
    • There is an annual fee
    • Steep penalty APR of 29.99%
    • No 0% intro APR offer
  • Benefits:
    • 60,000 Bonus Points;
    • $50 in statement credits;
    • 5x points on travel;
    • 3x points on dining;
    • 3x points on online grocery purchases;
    • 3x points on select streaming services;
    • 2x points on other travel purchases;
    • 25% more redemption value;
    • 1:1 Point Transfer;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Baggage Delay Insurance;
    • Travel and Emergency Assistance Services.
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Chase Sapphire Reserve® best for Travel, Restaurants, Daily use

Chase Sapphire Reserve® Chase
Our Rating:
4.11 out of 5
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 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.
  • Intro Offer:
    • 50,000x Bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Annual Fee:
    $550 annually ($75 for each authorized user)
  • Purchase Intro APR:
    None
  • Regular APR:
    16.99% - 23.99% Variable
  • Balance Transfer APR:
    16.99% - 23.99% Variable
  • Issuer name:
    Chase
  • Details:

    Earning rewards with the Chase Sapphire Reserve® is very straightforward.

    New cardmembers can 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®. The bonus points are worth $750 when redeemed through Chase Ultimate Rewards for airfare, hotels, car rentals, or cruises.

    Transfer your points to leading airline and hotel loyalty programs at 1 to 1 value. That means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points.

    Cardmembers receive a $300 credit each card anniversary to be used toward travel. This credit is applied as a statement credit for travel purchases automatically. The card also offers a $100 statement credit every four years toward the Global Entry or TSA PreCheck® Fee.

  • Pros:
    • Generous signup offer
    • Annual $300 travel credit
    • High travel and dining rewards
    • Transfer points to loyalty programs
    • Increase point value by 50%
  • Cons:
    • Typically requires excellent credit
    • High annual fee
  • Benefits:
    • 50,000 bonus points;
    • 10x total points on hotels and car rentals;
    • 10x total points on Chase Dining purchases;
    • 5x total points on flights;
    • 3x points on other travel;
    • 3x points on other dining;
    • $300 Annual Travel Credit;
    • Zero liability protection;
    • 50% more redemption value;
    • Global Entry or TSA Pre✓® Fee Credit ;
    • Complimentary Airport Lounge Access;
    • The Luxury Hotel & Resort Collection;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Lost Luggage Reimbursement;
    • Emergency Evacuation & Transportation.
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Chase World of Hyatt best for Hotel

World of Hyatt Chase
Our Rating:
3.28 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 9x Points for Hyatt stays.
    • 2x Points for dining out.
    • 2x Points for flights.
    • 2x Points for gym memberships.
    • 2x Points for getting around.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 30,000x Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening.
    • 30,000x Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
    • 2x Points per $1 spent on purchases that earn 1 Bonus Point, up to $15,000 spent in the first 6 months of account opening.
  • Annual Fee:
    $95 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    15.99% - 22.99% Variable
  • Balance Transfer APR:
    15.99% - 22.99% Variable
  • Issuer name:
    Chase
  • Details:

    The World of Hyatt card offers a comprehensive rewards structure. The card has an annual fee of $95.

    Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent. You'll also get 4x World of Hyatt points per dollar from the card and 5x points from your automatic Discoverist membership, for a total of 9x on eligible purchases at Hyatt.

    The card’s APR is a variable 15.99 - 22.99 percent.

    The World of Hyatt card offers additional benefits, like travel and purchase coverage, no foreign transaction fees.

  • Pros:
    • No foreign transaction fees
    • High-value rewards
    • Free night every anniversary year
    • Solid shopping and travel protections
    • Automatic elite status
  • Cons:
    • Annual Fee
    • Extra Fees
    • High regular APR
    • No intro APR offer
    • No worthwhile redemption options aside from Hyatt properties
  • Benefits:
    • Up to 60,000 Bonus Points;
    • A 10% bonus on points earned on eligible room rates and incidental charges;
    • Premium in-room internet;
    • 2pm late check-out upon request where available;
    • 5 qualifying night credits;
    • 2 additional qualifying night credits;
    • One free night each card anniversary year at a Category 1-4 Hyatt hotel or resort;
    • An additional free night at a Category 1-4 Hyatt hotel or resort after spending $15,000 in an anniversary year;
    • Automatic elite status;
    • Concierge Service;
    • Trip Cancellation/Trip Interruption Insurance;
    • Trip Delay Reimbursement;
    • Travel Accident Insurance;
    • Lost Luggage Reimbursement;
    • Baggage Delay Insurance;
    • Auto Rental Collision Damage Waiver.
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Emigrant Bank Brex for Startups best for Without SSN

Brex Card for Startups Emigrant Bank
Our Rating:
2.06 out of 5
scorer
Recommended credit score
No Credit History to Excellent (0-799)
  • Rewards Rate:
    • 8x Points on rideshare, including Uber, Lyft, taxi, and scooter.
    • 5x Points on flights and hotels booked through Brex Travel.
    • 4x Points on restaurants.
    • 3x Points on recurring software like Salesforce, Zendesk, Twilio, and more.
    • 1x Points on everything else.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    None
  • Balance Transfer APR:
    None
  • Issuer name:
    Emigrant Bank
  • Details:

    If you’re a new startup or small business owner looking to build your business’ credit history and earn significant rewards on business-related purchases, the Brex Corporate Card was made for you.

    Get discounts on top services to run your company. Compared to an average of $500 in typical business credit card bonuses, Brex partner offers total $150,000 in value. Redeem anytime.

    With the Brex Corporate Card, you’ll earn 8x points on rideshares, 5x on travel booked through Brex, 4x on restaurants, 3x on recurring software and 1x on everything else. Points can be redeemed for statement credit or travel via Brex’s travel portal.

    Credit limits 10-20x higher than traditional small business corporate cards.

    This a charge card, so you’ll have to pay your balance in full each month. To qualify, you’ll need a $100,000 bank balance.

    Under the rideshare category, your small business or startup can earn points for Uber, Lyft, taxi rides and more. The recurring software category rewards you for monthly subscriptions like GitHub and Slack.

    You won’t be charged an annual fee, but there isn’t a welcome bonus or introductory APR offer. The card is, though, part of the Mastercard network, meaning you can expect widespread acceptance.

  • Pros:
    • No personal guarantee required
    • Irrelevant and unaffected personal credit
    • Startups tailored rewards program
    • Dynamic credit limits
    • No annual Fee
    • No foreign transaction fees
  • Cons:
    • Charge card
    • Tech industry oriented
    • High amount of funds required to qualify
  • Benefits:
    • Partner perks;
    • Build business credit;
    • Brex Travel portal;
    • Instant onboarding and virtual cards;
    • Manage your business anywhere;
    • Receipts match automatically;
    • Pairs with Brex Cash;
    • Built-in expense tools and integrations;
    • Live support in 2 minutes.
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Green Card American Express
Our Rating:
3.44 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Points at 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.
  • Intro Offer:
    • 50,000x Membership rewards points after you spend $2,000 on purchases on your new Card in your first 6 months.
  • Annual Fee:
    $150 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    15.99% - 22.99% Variable
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The American Express® Green Card offers an interesting rewards structure for applicants who want to earn more points on dining and travel, as well as some important credits that can make the $150 annual fee easier to justify. As a cardholder, you’ll receive a $100 credit toward CLEAR membership, which can help you get through select airports faster. You’ll also get a $100 LoungeBuddy credit you can use toward airport lounge visits worldwide.

    The American Express® Green Card's APR on Purchases: 15.99% - 22.99% Variable APR on purchases, Penalty APR: 29.99%.

    Cardholders earn Membership Rewards points for every dollar spent. Specifically, this card earns 3 Membership Rewards points per dollar spent in three entertainment and travel categories: restaurants (including takeout but not bars/nightclubs), transit (rideshares, subways, tolls, etc.) and travel (flights, hotels, car rentals, etc.). For all other purchases, cardholders earn 1 point per dollar spent.

    As a cardmember, you can earn 50,000 Membership Rewards points when you spend $2,000 on your card within three months of account opening.

    The American Express® Green Card also offers a wide variety of standard American Express protections, benefits, and services. These include Amex Offers eligibility, complimentary ShopRunner membership, purchase protection, car rental loss and damage insurance.

  • Pros:
    • No Foreign Transaction Fee
    • Generous welcome bonus
    • Travel reimbursement credits
  • Cons:
    • High annual fee
    • No intro APR offer
    • No balance transfer option
  • Benefits:
    • 3x Points at restaurants;
    • 3x Points on transit;
    • 3x Points on travel;
    • 1x Points on other purchases;
    • 50,000 Membership rewards points;
    • Membership Rewards® Program;
    • American Express Experiences;
    • Dispute Resolution;
    • Amex Send & Split;
    • Amex Offers;
    • $100 Credit to Help You Breeze Through Security;
    • $100 Credit for Lounge Access;
    • Trip Delay Insurance;
    • Car Rental Loss and Damage Insurance;
    • Baggage Insurance Plan;
    • Global Assist® Hotline.

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