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Uber Visa® Card: Is It Worth It?

Uber Visa Card
This product is not available through ValuePenguin.
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Uber Visa® Card: Is It Worth It?

A fantastic cash back credit card, whether you use Uber or not.
Editor's Rating: 4.5/5.0
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Editor's Rating

{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

4.5/5.0

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

The Uber Visa Card is a high-value rewards card that offers rewards in the form of Uber Cash for spending on Uber and Uber Eats, JUMP electric scooters and bikes, dining, hotels and airfare.

Uber Visa Card: High value for the modern spender

Earn up to 5% Uber Cash

The Uber Visa Card gives cardholders several ways to earn rewards. Cardholders earn 5% back on Uber, Uber Eats and JUMP, 3% back on dining, hotels and airfare, and 1% back on all other purchases.

Uber Visa Card Rewards Breakdown
  • 5% back on Uber, Uber Eats, and JUMP electric scooters and bikes
  • 3% back on dining, hotels, vacation home rentals, and airfare
  • 1% cash back on all other purchases

Rewards are in the form of Uber Cash, which can be redeemed for Uber rides, orders on Uber Eats, and for JUMP bikes and scooters. When you accrue $50 in Uber Cash by using your card, it will automatically transfer to your Uber account. You can also select the option to manage your card from your Uber account and manually transfer your Uber Cash.

No Annual Fee and competitive fees for other transactions

The Uber Visa Card has No Annual Fee, while the foreign transaction fee is none. So you earn points stateside or abroad at no cost. Just remember to pay off your bill each month to avoid interest charges.

The Uber Visa Card does charge fees for balance transfers and cash advances, but the fees are in line with what other credit cards charge for the same transactions. The balance transfer fee is either $10 or 3% of the amount of each transfer, whichever is greater. The cash advance fee is the same.

Phone damage and theft protection

Pay for your monthly wireless telephone bill with your Uber Visa Card and your phone will be covered if it’s stolen or damaged. The coverage is up to $600 per claim, subject to a $25 deductible. You can have a maximum of two claims a year for a total of $1,200. You have to file a claim within 90 days of the damage or theft to qualify.

Visa Local Offers

Visa Local Offers is a Visa benefit for Uber users who add a Visa card to their account as a payment method. Through the program, you can earn Uber Cash for spending money at featured stores and restaurants that change weekly.

To sign up in the Uber app, add a Visa card to your account and then go to “Payment,” “Payment Offers” and then click “Earn Uber Cash with Visa.” Examples of Visa Local Offers include Dunkin’ Donuts, Qdoba Mexican Eats and Regal Cinemas.

No introductory offer; low bonus offer

If you’re looking for an introductory 0% APR offer or bonus point windfall, you aren’t going to find one with this card. With the Uber Visa Card, you can earn $100 in Uber Cash after spending $500 on purchases within 90 days of opening your account. You need to spend about $166 a month for three months to qualify for this offer, which is pretty easy to do if you ride Uber frequently or hit the grocery store once a week.

There’s no low-interest offer for balance transfers or new purchases. If you want a no-fuss cashback card that does offer a low-interest sign-up offer, the Citi® Double Cash Card offers a 0% intro APR on balance transfers for 18 months (after that, the APR is 15.49% - 25.49% (Variable)). We’ll talk a bit more about that card below, too.

ValuePenguin's verdict: Great for Uber riders and travelers

The Uber Visa Card is a good choice if you use the Uber ecosystem frequently, and want to earn rewards on dining and travel. You can even apply for the card in the Uber app by clicking “Menu,” “Payment” and then “View All Offers.” Another benefit is that The Uber Visa Card also comes with a complimentary FICO Score, which can help you track your credit score’s ups and downs. The only limiting aspect about this card is that you can only redeem rewards for Uber Cash, not cash back or other options.

Alternatives to the Uber Visa Card

The Uber Visa Card doesn’t have an introductory offer and may not be the best choice if you spend heavily in a specific category. Heavy dining and entertainment spenders may find more value from the Capital One® SavorOne® Cash Rewards Credit Card. Meanwhile, travelers may find the Chase Sapphire Preferred® Card has better incentives. Or if you’re looking for a 0% intro APR offer on balance transfers, the Citi® Double Cash Card could be a better alternative.

Citi® Double Cash Card

  • On Citi's Secure Website
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Citi® Double Cash Card

  • On Citi's Secure Website
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  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
  • Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
  • Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Annual Fee
$0
Regular APR
15.49% - 25.49% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
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The Citi® Double Cash Card lets you earn 2% cash back on purchases: 1% when you buy, plus 1% as you pay. Plus, the annual fee is $0. You can redeem cash back earned for statement credit or checks.

The card has $0 liability and 24-hour fraud protection. As we noted above, the card offers a 0% intro APR on balance transfers for 18 months (after that, the APR is 15.49% - 25.49% (Variable)).

Capital One® Savor® Cash Rewards Credit Card

  • On Capital One's Secure Website
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Capital One® Savor® Cash Rewards Credit Card

  • On Capital One's Secure Website
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Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening.
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
Annual Fee
$0 intro for first year; $95 after that
Regular APR
15.99% - 24.99% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
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The Capital One® Savor® Cash Rewards Credit Card offers 4% cash back on dining, 4% cash back on entertainment, 2% cash back at grocery stores and 1% cash back on all other purchases. The card also has a limited-time offer: Earn 8% cash back when you buy tickets to sports, concerts or theater events before May 31, 2020, using Vivid Seats.

With the card’s welcome offer, you Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening. You pay a $0 intro for first year; $95 after that. You can redeem cash back anytime, and it doesn’t expire. And the card’s foreign transaction fee? None. The card comes with $0 fraud liability protection, travel accident insurance, extended warranty and more.

Chase Sapphire Preferred® Card

  • On Chase's Secure Website
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Chase Sapphire Preferred® Card

  • On Chase's Secure Website
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Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • 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 you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • No delivery fees for a minimum of one year on qualifying food purchases with a DashPass subscription from DoorDash -over a $100 value. Activate with your Chase Sapphire card by December 31, 2021.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn 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 you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • No delivery fees for a minimum of one year on qualifying food purchases with a DashPass subscription from DoorDash -over a $100 value. Activate with your Chase Sapphire card by December 31, 2021.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Annual Fee
$95
Regular APR
17.49% - 24.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The Chase Sapphire Preferred® Card offers 2X points on travel and dining at restaurants worldwide and 1 point per dollar spent on all other purchases.

But here’s where things get good for frequent travelers: You get 25% more value from your points when you use them to redeem for travel, including airfare, hotels, car rentals and cruises. One point equals 1 cent when you redeem for cash, but one point equals 1.25 cents when you redeem for travel. Plus, you can transfer points 1:1 to other travel partners, including JetBlue TrueBlue, United MileagePlus, IHG Rewards, Marriott Bonvoy and World of Hyatt.

The Chase Sapphire Preferred® Card has a $0 foreign transaction fee, but there is a $95 annual fee. You can earn 15,000 bonus points for each friend you refer to the card up to 75,000 points a year. With its introductory offer, you can Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. This works out to a value of $750 if you redeem the points through Chase Ultimate Rewards for travel.

Comments and Questions

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

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