Travel, Daily use
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On Capital One‘s site

Best Credit Cards for Uber and Lyft 2022

Compare 22 credit cards for Uber and Lyft on Myfin.us.

By Myfin Team
Updated November 30, 2022

Best Credit Cards for Uber and Lyft in November 2022

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Capital One Venture Rewards Credit Card best for Travel, Daily use

Venture Rewards Capital One
Annual fee:
$95 annually
Regular APR:
18.99% - 26.99% Variable
Our Rating:
3.52
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 2x Miles on all purchases.
  • Intro Offer:
    • 75,000x Bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.
  • Balance Transfer APR:
    18.99% - 26.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Venture Rewards Credit Card offers rewards of 2 miles for every $1 spent on all purchases, plus 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.

    The Capital One Venture Rewards Credit Card's APR: 18.99% - 26.99% (Variable). The card has an annual fee of $95. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    As a travel card, your primary redemption options are to book travel through the Capital One rewards portal, receive a statement credit for recent eligible travel purchases (within the last 90 days) or transfer miles to partner airline and hotel programs.

  • Pros:
    • No Foreign Transaction Fee
    • High rewards rate
    • Flexible rewards redemption
    • Sign-up bonus
  • Cons:
    • Annual Fee
    • No intro APR offer
    • Miles transfer to airline partners is less than 1:1
  • Benefits:
    • 75,000 bonus miles (when you spend $4,000 on purchases in the first 3 months from account opening);
    • 5x miles on hotels and car rentals;
    • 2x miles on all purchases;
    • $0 Fraud Liability;
    • 24/7 Customer Service;
    • The Eno assistant;
    • 24-Hour Travel Assistance Services;
    • Global Entry or TSA Precheck Credit;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Premier Culinary Experiences;
    • Big-time Sports Events;
    • Must-See Music Events.
View all Venture Rewards details
Apply now
On Capital One‘s site
Card detail

Upgrade Cash Rewards Visa® best for Good credit score

Upgrade Cash Rewards Visa®
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
4.35
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 1.5% Cash Back on payments.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions. *
  • Details:

    The Upgrade Cash Rewards Visa® offers 1.5% Cash Back on payments.

    Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The card's APR: 14.99% - 29.99% (Regular APR).

    Read full review

  • Pros:
    • No Foreign Transaction Fee
    • No Annual fee
    • No extra fees
  • Cons:
    • No Intro APR reriod
  • Benefits:
    • $200 bonus;
    • 1.5% Cash Back;
    • Сontactless card technology.

    *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1 - 2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

View all Upgrade Cash Rewards Visa® details
Apply now
On Upgrade‘s website
Card detail
Upgrade Triple Cash Rewards Visa® Upgrade
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
3.53
scorer
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:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening). *
  • Details:

    The Upgrade Triple Cash Rewards Visa® Credit Card offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else.

    Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The card's APR: 14.99% - 29.99% (Regular APR).

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

    Read full review

  • 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:
    • $200 bonus;
    • 3% Cash Back on home, auto and health purchase;
    • 1% Cash Back on everything else;
    • Сontactless card technology.

    *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1 - 2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

View all Upgrade Triple Cash Rewards Visa® details
Apply now
On Upgrade‘s website
Card detail

Celtic Bank Deserve EDU best for Cash Back, Without SSN, Student

Deserve EDU Celtic Bank
Annual fee:
$0
Regular APR:
22.49% Variable
Our Rating:
3.5
scorer
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.
  • Issuer name:
    Celtic Bank
  • Details:

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

    The Card's APR is 22.49% (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.

    Read full review

  • 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 details
Apply now
On Celtic Bank‘s site
Card detail

Chase Sapphire Reserve® best for Travel, Restaurants, Daily use

Chase Sapphire Reserve® Chase
Annual fee:
$550 annually ($75 for each authorized user)
Regular APR:
19.24% - 26.24% Variable
Our Rating:
3.99
scorer
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:
    • 60,000x Bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.
  • Balance Transfer APR:
    19.24% - 26.24% Variable
  • Issuer name:
    Chase
  • Details:

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

    The card’s variable APR is 19.24% to 26.24%.

    The Chase Sapphire Reserve® has a $550 annual fee.

    New cardmembers can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

    The Chase Sapphire Reserve® offers 10x total points on Chase Dining, 10x total points on hotels and car rentals (when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually), 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.

    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:
    • 60,000 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.
Card detail

The Platinum Card® from American Express best for Young couples

The Platinum Card® from American Express
Annual fee:
$695 annually
Regular APR:
19.74% - 26.74% Variable
Our Rating:
3.64
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 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.
  • Intro Offer:
    • 80,000x Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    The Platinum Card® from American Express® is one of the best credit cards for Uber, as you get up to $200 in Uber Cash a year when you pay with your card. You receive $15 each month from January to November and $35 in December. Additionally, cardholders enjoy complimentary Uber VIP status, which gives access to high-quality vehicles, high-rated drivers, and elevated service. However, the card has a pricey annual fee of $695, and the unused Uber credits won’t roll over to the next month.

  • Pros:
    • Generous Welcome Bonus: New cardholders earn 80,000 Membership Reward Points when they charge $6,000 in purchases to their card in the first six months of card membership.
    • Impressive Rewards: You earn 5x points on flights booked with American Express Travel or directly with airlines (up to a maximum of $500,000 per year), 5x points on prepaid hotels through Amex Travel, and 1x points on all other purchases.
    • Multiple Credits: You can earn up to $200 annual hotel credit, $240 annual digital entertainment credit, $300 annual Equinox credit, $179 annual Clear credit, $200 annual airline credit, and $200 in Uber Cash annually.
    • Lounge access: With this card, you get access to more than 1,300 lounges across 140 countries, including The Centurion Lounge, the International American Express lounges, and Priority Pass lounges.
    • Elite Status with Marriott and Hilton on Enrolment: You get to enjoy complimentary Gold Elite Status with Marriott Bonvoy and Gold Status with Hilton Honors. The list of perks includes preferred rooms, complimentary in-room internet access, milestone bonuses, and much more.
    • No Foreign Transactions Fees: The Platinum Card® from American Express® helps you save on foreign transaction fees, which can add up if you make purchases abroad.
  • Cons:
    • High annual fee: The Platinum Card® from American Express® comes with an annual fee of $695.
    • Requires good/excellent credit: You’re likely to need a score of at least 700 to qualify.
  • Benefits:
    • 80,000 Membership Rewards® Points;
    • 5x points on directly-booked airfare and flights, prepaid hotels;
    • 1x points on all other purchases;
    • Platinum Card® Concierge;
    • Global Dining Collection;
    • Preferred Seating;
    • Return Protection;
    • Uber Rides with Platinum;
    • The Global Lounge Collection®;
    • International Airline Program;
    • Fee Credit for Global Entry or TSA Pre✓®;
    • Fine Hotels & Resorts® Program;
    • Platinum Travel Service;
    • Marriott Bonvoy™ Gold Elite Status;
    • Hilton Honors Gold Status;
    • Car Rental Loss and Damage Insurance;
    • Trip Delay;
    • Trip Cancellation;
    • Terms Apply.
Card detail

American Express® Gold Card best for Cash Back

American Express® Gold Card
Annual fee:
$250 annually
Regular APR:
19.74% - 26.74% Variable
Our Rating:
2.98
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 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.
  • Intro Offer:
    • 60,000x Membership Rewards® Points after you spend $4,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    The American Express® Gold Credit Card's annual fee is $250. The card offers 4x points on dining (at restaurants worldwide, plus takeout and delivery in the U.S.) and groceries (at U.S. supermarkets on up to $25,000 in purchases per year), 3x on flights (booked directly with airlines or on amextravel.com) and 1x on all other purchases.

    The Card's variable APR is 19.74% - 26.74%.

    As a new cardholder, you have the chance to earn an impressive 60,000 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 Credit 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 Credit 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
    • Balance transfers are not available
  • Benefits:
    • Up to $120 Uber Cash to Dine or Ride;
    • $100 hotel credit with The Hotel Collection;
    • 60,000 Membership Rewards® Points;
    • 4x Membership Rewards® Points on dining at restaurants;
    • 4x Membership Rewards® Points on groceries at U.S. supermarkets;
    • 3x Membership Rewards® Points on flights booked directly with airlines or on amextravel.com;
    • 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;
    • Terms Apply.
Card detail

Goldman Sachs Apple best for Metal

Apple Goldman Sachs
Annual fee:
$0
Regular APR:
10.99% - 21.99% Variable
Our Rating:
2.93
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 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.
  • Balance Transfer APR:
    10.99% - 21.99% Variable
  • Issuer name:
    Goldman Sachs
  • Details:

    The Apple Card is good for iPhone users. The card offers 3% Cash Back at Apple and select Apple pay partners, 2% Cash Back on other Apple pay purchases. You'll also earn 1% Cash Back on other purchases.

    The Apple Card has no annual fee. The Card's APRs range from 10.99% to 21.99% based on creditworthiness.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • Low 1% Cash Back on purchases made outside of Apple or Apple Pay
  • Benefits:
    • 3% Cash Back at Apple;
    • 3% Cash Back at select merchants;
    • 2% Cash Back on Apple Pay purchases;
    • 1% Cash Back on other purchases;
    • Titanium Construction.
Card detail

American Express Blue Cash Preferred best for Gas, Groceries, Streaming services, Daily use

Blue Cash Preferred® American Express
Annual fee:
$0 intro annual fee for the first year
$95 for the rest years
Regular APR:
17.74% - 28.74% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 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.
  • Intro Offer:
    • $250 Back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 months from the date of account opening
  • Balance Transfer APR:
    17.74% - 28.74% Variable
  • Issuer name:
    American Express®
  • Details:

    The Blue Cash Preferred® Credit Card provides high rewards at U.S. supermarkets and U.S. gas stations, and for streaming services (select U.S. streaming subscriptions), and transit expenses. It has a $0 introductory annual fee for the first year, then $95.

    The Blue Cash Preferred® Credit Card from American Express® offers a 0% introductory APR promotion. You’ll pay no interest on purchases and balance transfers for 12 months and then an APR of 17.74% - 28.74% Variable. The Blue Cash Preferred Credit Card's Penalty APR is 29.99%.

    The Card also has 0% introductory plan fee on each purchase moved into a plan during the first 12 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

    The Blue Cash Preferred® Credit Card has a welcome bonus where cardholders earn a $250 statement credit after spending $3,000 on the new card within the first six months of card membership.

  • Pros:
    • Excellent cashback bonuses
    • Generous intro APR on purchases
    • Great introductory bonuses
  • Cons:
    • Cashback cap
    • Annual fee
    • Foreign transaction fee
  • Benefits:
    • Earn $250 Back (in the form of a statement credit);
    • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%);
    • 6% Cash Back on streaming subscriptions;
    • 3% Cash Back on transit;
    • 3% Cash Back at U.S. Gas Stations;
    • 1% Cash Back on other purchases;
    • Extended warranty;
    • Fraud Protection;
    • Return Protection;
    • Car Rental Loss and Damage Insurance;
    • Global Assist® Hotline;
    • Pay It Plan It®;
    • American Express Experiences;
    • Terms Apply.
Card detail

Chase Freedom Unlimited® best for Cash Back, 0 APR, No Annual Fee, Daily use

Chase Freedom Unlimited®
Annual fee:
$0
Regular APR:
17.24% - 25.99% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 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.
  • 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.
  • Purchase Intro APR:
    0% Intro APR for the first 15 months that your Account is open
  • Balance Transfer APR:
    17.24% - 25.99% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Freedom Unlimited® Credit Card offers 0% introductory APR period (17.24% to 25.99% Variable after that) and a sign-up bonus that’s worth far more than most Cash-Back cards offer — all for an annual fee of $0.

    The card offers 5% back on travel booked through Chase, 3% Cash Back on restaurants and drugstore purchases and 1.5% back on other purchases.

    Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. And earn 5% cash back on gas station purchases on up to $6,000 spent in the first year.

  • Pros:
    • No Annual Fee
    • Generous rewards
    • 0% intro APR
    • Sign-up bonus
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Zero Liability Protection;
    • $200 intro bonus;
    • 5 percent Cash Back on all travel purchased via the Chase Ultimate Rewards portal;
    • 3 percent back on dining;
    • 3 percent back at drugstores;
    • 1.5 percent Cash Back on general purchases;
    • Auto Rental Collision Damage Waiver;
    • Trip Cancellation/Interruption Insurance;
    • Travel and Emergency Assistance Services;
    • 24/7 Fraud Protection;
    • Redeem for Cash Back;
    • Gift cards.
Card detail

Chase Sapphire Preferred® best for Travel, Restaurants, Daily use

Chase Sapphire Preferred®
Annual fee:
$95 annually
Regular APR:
18.24% - 25.24% Variable
Our Rating:
4.4
scorer
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. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.
  • Balance Transfer APR:
    18.24% - 25.24% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Sapphire Preferred® Credit Card offers 5x points on travel (purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit), 3x on dining, online grocery purchases and select streaming services, 2x on travel.

    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.

    The Chase Sapphire Preferred® has a $95 annual fee. The card’s variable APR is 18.24% to 25.24%.

    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.
Card detail

American Express® Green Card best for Uber and Lyft

Green Card American Express
Annual fee:
$150 annually
Regular APR:
19.74% - 26.74% Variable
Our Rating:
3.28
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 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.
  • Intro Offer:
    • 45,000x Membership rewards points after you spend $2,000 on purchases on your new Card in your first 6 months.
  • Issuer name:
    American Express®
  • Details:

    The American Express® Green Credit Card earns 3x points at U.S restaurants, 3x points on transit, 3x points on travel and 1x point on all other purchases.

    The American Express® Green Credit Card's APR on Purchases: 19.74% to 26.74% Variable APR, Penalty APR: 29.99%.

    As a cardmember, you can earn 45,000 Membership Rewards points when you spend $2,000 on your card within six months of account opening.

    The American Express® Green Credit 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:
    • 45,000 Membership rewards points;
    • 3x Points at U.S. restaurants;
    • 3x Points on transit;
    • 3x Points on travel;
    • 1x Points on other purchases;
    • American Express Experiences;
    • Dispute Resolution;
    • Amex Send & Split;
    • Amex Offers;
    • Up to $100 Credit to Help You Breeze Through Security;
    • Up to $100 Credit for Lounge Access;
    • Trip Delay Insurance;
    • Car Rental Loss and Damage Insurance;
    • Baggage Insurance Plan;
    • Global Assist® Hotline;
    • Terms Apply.
Card detail

Chase Ink Business Preferred® best for Without SSN, Daily use

Ink Business Preferred® Chase
Annual fee:
$95 annually
Regular APR:
15.99% - 20.99% Variable
Our Rating:
4.57
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 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.
  • Intro Offer:
    • 100,000x Bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,000 Cash Back or $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards®.
  • Balance Transfer APR:
    15.99% - 20.99% Variable
  • Issuer name:
    Chase
  • Details:

    The Ink Business Preferred® Credit Card from Chase is a good fit for business owners who spend a lot of money on travel, shipping, internet, cable and phone services, and advertising purchases.

    Earn 100.000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 Cash Back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.

    Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases. Redeem points for Cash Back, gift cards, travel and more – your points don’t expire as long as your account is open.

    The card's APR: 15.99 % to 20.99 % (Variable). The APR for Cash Advance: 24.99%.

    The Ink Business Preferred® Credit Card's Penalty APR: up to 29.99%.

    While the biggest fee is the $95 annual fee, there are also other fees to be aware of such as the late or returned payment fee of $39. Balance transfers are charged at $5 or 5 percent for each transfer, whichever is greater. Cash advances cost $15 or 5 percent, whichever is greater.

    The Ink Business Preferred® Credit Card pays up to $600 per claim for damage or theft of cell phones for you and your employees when the bill is paid using your card. There’s a maximum of three claims in a 12-month period, and there is a $100 deductible for each claim.

    Trip cancellation and interruption insurance reimburses you up to $5,000 per trip (including passenger fares, tours and hotels) when your trip is canceled due to sickness, severe weather conditions and other qualifying scenarios.

    As part of the Visa network, the card is broadly accepted by merchants worldwide. It also doesn’t charge foreign transaction fees, which will save you money on your overseas purchases.

  • Pros:
    • 3x Bonus
    • Relatively Low Annual Fee
    • Cards for Employees at No Additional Cost
    • High Sign-Up Bonus
    • No Foreign Transaction Fees
  • Cons:
    • High Spending Minimum for Sign up Bonus
    • High APR
  • Benefits:
    • 100,000 bonus points;
    • 3x points on travel and select business categories;
    • 1x point on all other purchases;
    • $0 Fraud Liability;
    • Extended warranties;
    • Employee cards at no additional cost;
    • Build your business credit;
    • 25% more in travel redemption;
    • 1:1 Points Transfer;
    • Gift Cards;
    • Apple® Ultimate Rewards Store;
    • Trip Cancellation/Trip Interruption Insurance;
    • Roadside Dispatch;
    • Auto Rental Collision Damage Waiver;
    • Cell Phone Protection.
Card detail

U.S. Bank Cash+® Visa Signature® Card best for Uber and Lyft

U.S. Bank Cash+™ Visa Signature®
Annual fee:
$0
Regular APR:
18.24% - 28.24% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 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.
  • Intro Offer:
    • $200 Bonus after you apply online and spend $1,000 in eligible purchases within the first 120 days of account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 billing cycles
  • Balance Transfer APR:
    18.24% - 28.24% Variable
  • Issuer name:
    US bank
  • Details:

    The U.S. Bank Cash+® Visa Signature® Credit Card offers an introductory 0% APR on purchases and balance transfers for 15 billing cycles, followed by a variable APR of 18.24% to 28.24%. The Card doesn't charge an annual fee.

    The U.S. Bank Cash+® Visa Signature® Card earns 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, 2% Cash Back on one everyday category and 1% Cash Back on all other eligible purchases. Earn even more cash back when making purchases at over 1,100 online stores through the Rewards Center Earn Mall.

  • Pros:
    • No Annual Fee
    • Welcome bonus
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
    • Extra Fees
  • Benefits:
    • $200 bonus (after you apply online and spend $1,000 in eligible purchases within the first 120 days of account opening);
    • 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;
    • 2% Cash Back on one everyday category;
    • 1% Cash Back on all other purchases;
    • Flexible redemption.
Card detail

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

NameBest forRewards RateAPRApply
Capital One Venture Rewards Credit Card
3.52
Travel, Daily use
  • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
  • 2x Miles on all purchases.
  • 18.99% - 26.99% VariableApply now
    On Capital One‘s site
    Upgrade Cash Rewards Visa®
    4.35
    Good credit score
  • 1.5% Cash Back on payments.
  • 14.99% - 29.99% RegularApply now
    On Upgrade‘s website
    Upgrade Triple Cash Rewards Visa®
    3.53
  • 3% Cash Back on Home, Auto and Health categories.
  • 1% Cash Back on everything else.
  • 14.99% - 29.99% RegularApply now
    On Upgrade‘s website
    Celtic Bank Deserve EDU
    3.5
    Cash Back, Without SSN, Student
  • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
  • 22.49% VariableApply now
    On Celtic Bank‘s site
    Chase Sapphire Reserve®
    3.99
    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.
  • 19.24% - 26.24% VariableLearn more
    The Platinum Card® from American Express
    3.64
    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.
  • 19.74% - 26.74% VariableLearn more
    American Express® Gold Card
    2.98
    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.
  • 19.74% - 26.74% VariableLearn more
    Goldman Sachs Apple
    2.93
    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.
  • 10.99% - 21.99% VariableLearn more
    American Express Blue Cash Preferred
    5
    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.
  • 17.74% - 28.74% VariableLearn more
    Chase Freedom Unlimited®
    5
    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.
  • 17.24% - 25.99% VariableLearn more
    Chase Sapphire Preferred®
    4.4
    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.
  • 18.24% - 25.24% VariableLearn more
    American Express® Green Card
    3.28
    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.
  • 19.74% - 26.74% VariableLearn more
    Chase Ink Business Preferred®
    4.57
    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.
  • 15.99% - 20.99% VariableLearn more
    U.S. Bank Cash+® Visa Signature® Card
    5
    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.
  • 18.24% - 28.24% VariableLearn 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.

    1. 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.

    1. 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
    1. 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.

    1. 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.

    FAQ

    What kinds of credit cards does Uber take?

    Uber accepts most credit cards, like American Express, Visa®, MasterCard®, and Discover.

    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.
    Myfin TeamMyfin Team

    Author, editor

    content@myfin.us