The costs of being chauffeured by a ridesharing service like Uber or Lyft can add up if you’re a frequent customer. Having a credit card that offers incentives for your rideshare purchases may help offset some of those costs.
Whether you’re team Uber or Lyft, consider these cards to get more value on future rides.
Top cards for Uber and Lyft
Wells Fargo Active Cash® Card
Our pick for: Minimalists
Rewards: Earn an unlimited 2% cash back on all purchases.
Sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months.
APR: 0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers, and then the ongoing APR of 16.49%, 21.49%, or 26.49% Variable APR.
The Wells Fargo Active Cash® Card offers a decent ongoing 2% cash-back rate on all purchases. Earning rewards is as straightforward and simple as it gets. You don’t have to keep track of rewards categories or spending caps to earn rewards.
Unless you are a Wells Fargo customer, you can only redeem cash back for a statement credit or a paper check. Wells Fargo customers have more flexible redemption options that include a direct deposit into an eligible Wells Fargo bank account or a withdrawal from eligible Wells Fargo ATMs.
Our pick for: Apple enthusiasts
Up to 3% daily cash back with Apple and select merchants when you use Apple Card with Apple Pay.
2% cash back on all other purchases made through Apple Pay.
1% cash back on all purchases made with the physical Apple Card.
APR: A variable APR between 11.74% to 22.74% (as of June 2022).
The Apple Card earns a 3% back when you make purchases with Uber or Uber Eats through Apple Pay. That’s a hearty rate for a card that has a $0 annual fee. You also won’t have to wait to use your rewards. They are credited to your account daily, allowing you to use them faster than other rewards credit cards.
The card doesn’t reward broader spending categories. To earn the highest rewards rates, you’ll be limited to Apple Pay purchases. This can be an issue if some merchants don’t accept the payment method.
Blue Cash Preferred® Card from American Express
Our pick for: Everyday spenders
6% cash back at U.S. supermarkets on up to $6,000 in spending per year.
6% back on select U.S. streaming subscriptions.
3% back on transit including U.S. gas stations.
1% cash back on everything else. Terms apply.
Welcome offer: Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.
APR: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 15.49%-25.49% Variable APR.
The Blue Cash Preferred® Card from American Express earns a generous rewards rate on eligible transit purchases, including rideshare services. Since you’re not limited to just one brand in particular, you’re free to shop for the best deal when you’re hailing a ride. You’ll also earn rewards in common everyday spending categories, which can add up easily.
You’ll have to spend enough on groceries to make up the cost of the $95 annual fee. If you spend at least $31 every week, for 52 weeks, you’ll earn around $96 in rewards to offset that cost. For a decent rate minus the annual fee, consider a credit card that offers a 2% rewards rate on all purchases.
U.S. Bank Cash+® Visa Signature® Card
Our pick for: Rewards maximizers
5% cash back on the first $2,000 in combined eligible net purchases each quarter in two categories you choose from a list determined by the issuer.
2% cash back in one “everyday” category that you choose from a list determined by the issuer.
5% cash back on prepaid air, hotel and car reservations booked directly in U.S. Bank’s Rewards Travel Center.
1% cash back on all other eligible net purchases.
Welcome offer: $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
APR: 0% intro APR for 15 billing cycles on purchases and balance transfers, and then the ongoing APR of 15.99%-25.99% Variable APR.
With the U.S. Bank Cash+® Visa Signature® Card, rewards maximizers can earn a top 5% cash-back rate on ground transportation purchases (including Lyft and Uber rides) when activating that category. Unlike other credit cards that offer 5% cash back on rotating bonus categories, you’re not limited to just one bonus category that earns elevated rewards and a low flat rate on everything else. You’ll get more rewards tiers that include two bonus categories, a 2% category and the low flat rate. The rewards categories are also more likely to suit your spending since you choose them from a list of options.
You’ll have to remember to activate categories quarterly and use your credit card when spending in them to make rewards count.
American Express® Gold Card
Our pick for: Foodies
4 Membership Rewards points per dollar spent at restaurants.
4 points per dollar spent at U.S. supermarkets on up to $25,000 in purchases per year.
3 points per dollar spent for flights booked directly with airlines or with American Express Travel.
1 point per dollar spent on other eligible purchases.
Welcome offer: Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Terms Apply.
APR: The ongoing APR is 17.49%-24.49% Variable APR.
The American Express® Gold Card is a solid choice for foodies who frequently use Uber and dine out. As long as you can make full use of the card’s benefits, it’s possible to offset the $250 annual fee. The card offers up to $120 a year in Uber Cash, distributed as $10 per month when you add the card to your Uber account. Uber Cash can be applied to Uber Eats orders or Uber rides in the U.S. You’ll also get a $120 dining credit annually (distributed as up to $10 in statement credits monthly) when you use the card to make purchases with eligible restaurants or services. Enrollment is required. Terms apply.
Uber Cash earned won’t roll over to the next month, so you’ll have to use it or lose it. The $250 annual fee also runs high. For a lower $150 annual fee, the American Express® Green Card earns 3 points per dollar spent on eligible travel, dining and transit (including rideshare services). Terms apply.
Chase Sapphire Reserve®
Our pick for: Frequent travelers
10 points per dollar spent on Chase Dining purchases through Ultimate Rewards®.
10 points per dollar spent on hotel stays and car rentals purchased through Ultimate Rewards®.
5 points per dollar spent on air travel purchased through Ultimate Rewards®.
3 points per dollar spent on travel and dining not booked with Chase.
1 point per dollar spent on all other purchases.
Through March 2025: 10 points per $1 spent on Lyft (7 points per dollar spent on Lyft plus 3 points per dollar spent on travel).
Welcome offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
APR: The ongoing APR is 17.74%-24.74% Variable APR.
If you’re a frequent traveler who uses Lyft on your getaways, you can earn a hefty amount of points on rides with the Chase Sapphire Reserve®. You just have to make use of the card’s benefits to defray the cost of the $550 annual fee. Points are also worth 50% more when redeemed for travel through Chase Ultimate Rewards®. And, when you’re not using Lyft, the card’s annual travel credit can cover up to $300 spent on rideshare services, trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages, to name a few.
This card has a steep $550 annual fee. If you don’t typically spend in the card’s rewards or benefit categories to offset the cost, the $95-annual-fee Chase Sapphire Preferred® Card earns rewards in similar categories, including 5 points per $1 spent on Lyft through March 2025. If you prefer an everyday card that earns travel rewards with a $0 annual fee, consider the Chase Freedom Unlimited®. It earns 5% back on travel purchased through Chase Ultimate Rewards®, 3% back at restaurants, including takeout and eligible delivery services, 3% back on drugstore purchases and 1.5% cash back on everything else. Through March 31, 2025, it also earns 5% back on qualifying Lyft services purchased through the Lyft app.
The Platinum Card® from American Express
Our pick for: Luxury travelers
5 Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel.
5 points per dollar on prepaid hotels booked with American Express Travel.
2 points per dollar on other eligible travel expenses booked with American Express Travel.
1 point per dollar on all other purchases.
Welcome offer: Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. Terms Apply.
The Platinum Card® from American Express offers rich rewards on travel and a full suite of benefits that can make up for the cost of its sizeable $695 annual fee. Among the benefits included is a credit of up to $200 a year for Uber. The credits are issued monthly, providing you with up to $15 each month and $35 in December to use on rides or Uber Eats orders in the U.S. As an added bonus, if you live in an eligible city, you’ll get Uber VIP status, which can offer you exclusive perks and discounts and matching with top-rated drivers. Terms apply.
The card’s long list of benefits, such as the monthly statement credit for Equinox gyms, may not match your spending. If that’s the case, you’ll lose opportunities to make up the cost of the pricey $695 annual fee. Terms will apply to the card’s different benefits.
All information about American Express® Green Card has been collected independently by IHowBlog. The American Express® Green Card is no longer available through IHowBlog.