The best credit cards for Uber are ones that produce the highest value and returns for each trip they take with the service. We looked through over 250 credit cards in search of the most rewarding credit cards for Uber riders with various lifestyles and focuses. In our analysis we focused on consumers who were:
- Best Savings on Uber Fares: If you're looking to save the most on every ride you take with Uber, then this is where you should look - no points, or airline miles, just simple cash back savings
- Very Frequent Uber Customers: If you're looking to reap the rewards of riding with Uber frequently, this card will award you 2% cash back and even more rewards in its bonus categories
- Frequent Travelers: Uber riders who are on the move may want a credit card that rewards, not only their frequent Uber-ing, but their travels domestically and abroad
Every few months, for a limited time, Uber customers can get the highest discounts on their rides using rotating cash back cards, such as the Discover it and Chase Freedom®. These credit cards tend to offer 5% back on categories that change every couple of months, and offer unparalleled savings. The Discover it is ending its 5% cash back promotion on Ground Transportation in just a couple of days – an offer which that ran from January to the end of March. We recommend that those who wish to maximize their returns keep their eyes on these rotating category cards and their calendars to see when the next chance to save big will come around.
The following is a list of credit cards we deemed the best for each of the above mentioned criteria. The list is in no particular order. With how varied people’s interests and spending tends to be, we recognize there is no one best card that will fulfill everyone’s needs. For each category below, we outlined the most valuable features of each credit card in it. We recommend the following to consumers who are:
Why we think it’s one of the best credit cards for Uber: The card will give you 1% back when you first pay for your Uber ride, then another 1% back when you pay it off at the end of the month. This will give you the strongest flat-rate rewards of any card. Any Uber passenger who values simplicity and savings will fall in love with the Citi® Double Cash Credit Card. There are no points to collect or redeem. You simply spend and pay off your monthly bill, and each month the cash back is credited to your statement. Note: This card is only good if you always pay off your bill in full. Otherwise, the card returns just 1% back.
Bottom Line: The Citi® Double Cash Credit Card is excellent for people seeking simple yet solid rewards from their Uber rides. It also helps that the card is excellent to use in other cases.
Why we think it’s one of the best credit cards for Uber: The Uber Visa Card offers users a solid 2% rewards on all Uber rides and 4% rewards on UberEats. The 4% rewards on dining and 3% rewards on hotel and airfare rival some of the best travel cards available, including the Chase Sapphire Preferred® Card and the Capital One® Venture® Rewards Credit Card. However, the Uber Visa Card doesn’t charge an annual fee, unlike other elite travel cards. Users have a plethora of reward options when redeeming points, including Uber credits, gift cards, and cash back. Below, we list the cash back categories available through the Uber Visa Card:
|Spending Category||Cash Back (%)||What’s Included?|
|Dining||4%||Restaurants, fast food and bars.|
|Hotel and Airfare||3%||Airfare, hotels, travel agencies and home share exchanges (Airbnb).|
|Online Purchases||2%||Online shopping—including retailers such as Amazon, Walmart, Best Buy, and Macy’s—Uber purchases, video and music streaming—including Netflix, Pandora, HBO Now, and Apple Music—and more.|
|All Other Purchases||1%||Anything that doesn’t qualify for a bonus.|
In addition to great rewards, the Uber Visa Card offers a variety of excellent perks. With the card’s mobile protection feature, you’re covered if you crack your phone’s screen while stepping out of an Uber. The feature awards cardholders up to $600 for mobile phone damage or theft when you pay your bill using the Uber Visa Card. So, you’ll no longer need to worry about forgetting your phone in one of your Uber rides. If you’re using Uber while you’re abroad, he card features a 0% foreign transaction fee.
Bottom Line: We believe the Uber Visa Card is the best card for frequent Uber customers. If you’re constantly using Uber, it’s hard to beat the plethora of rewards and perks offered with this card. The card offers features that you’d normally have to pay $95 a year for at no cost.
Why we think it’s one of the best credit cards for Uber: The Barclaycard Arrival Plus World Elite MasterCard is one of our favorite travel rewards credit cards, and makes a great credit card for Uber riders too. It earns cardholders rewards faster, and because Uber falls under Barclaycard's classification of “travel expenses”, your trips can get redeemed at a better rate on top of the other benefits that make the Arrival Plus a great rewards card for travel.
Barclaycard Arrival Plus users receive 2 miles for every $1 they spend. Those miles can then be redeemed as statement credits at $0.01 per mile. Redeeming reward miles on travel expenses, like Uber, gets travelers an additional 5% miles dividend. This puts Barclaycard Arrival Plus’ rewards rate at 2.1%.
Uber operates in 55 different markets worldwide, and consumers who want the best worldwide Uber credit card need look no further than the Barclaycard Arrival Plus. Travelers who use Uber’s services abroad will also be glad to know the Barclaycard Arrival Plus has no foreign exchange fee. On average, credit cards have an FX fee of 3% - that’s cost that can add up quickly. Individuals who want peace of mind that their credit card is not incurring any additional charges wherever they go, will find it in this feature.
One important consideration about the Barclaycard Arrival Plus is its annual fee of $89. Our three other top Uber credit cards have no additional charges, so why pay extra for the Arrival Plus? If you want the added benefits of earning travel rewards at a good rate on all the spending you do (not just Uber), the annual fee can be worthwhile. We generally recommend this to anybody who charges at least $1,000 a month to their credit card. The rewards you will receive tend to outweigh the hefty annual fee.
Bottom Line: Uber customers who want to earn rewards on more than just their taxi rides should look to the Barclaycard Arrival Plus World Elite MasterCard. This card frees users up to take advantage of Uber outside of the U.S. at no additional cost, by having no foreign exchange fee.
As of 2014, American Express entered into a partnership with Uber. Through this, certain Amex credit cards that participate in Membership Rewards earn users bonus points when used on Uber. All participating credit cards reward 2 points per $1 spent on Uber. Additionally, Amex’s partnership with Uber allows them to offer customers exclusive perks not available through other issuers and networks. As noted above, if you are an Amex cardholder participating in Membership Rewards, you can choose to pay for a ride using your points – directly from the Uber App. Simply connect your Amex credit card to your Uber account by visiting https://get.uber.com/amex, and before booking your next trip, select Pay with Points as your payment method. Beyond its rewards program, small improvements upon a customer’s user experience like this make American Express our favorite credit card issuer for Uber.
Before applying for a credit card (even ones listed above), be sure to contact American Express and make sure the card you are applying for participates in both Membership Rewards and the Uber promotion, if you intend on taking advantage of those benefits.
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