Over the previous few years, we have embraced ride-hailing providers so absolutely that it is exhausting to think about a time when our solely choices to get round a brand new metropolis had been public transportation or calling a taxi.
However as handy as they’re, providers like Uber and Lyft can get costly. Fortuitously, ride-hailing providers have develop into a typical bonus class for each travel credit cards and cash-back credit cards, and lots of playing cards provide particular credit and advantages if you e-book a trip by way of an app.
Under, we’re breaking down the most effective Uber and Lyft bank cards that will help you maximize your earnings on every journey.
Overview of the most effective bank cards for Uber and Lyft
|
Card |
Earn charges and advantages |
Annual payment |
Return on spending* |
|---|---|---|---|
| Chase Sapphire Reserve® | 10 factors per greenback on Lyft rides via March 31, 2025
Complimentary Lyft Pink All Entry membership $300 in annual journey credit |
$550 | 21% |
| Chase Sapphire Preferred® Card | 5 factors per greenback on Lyft rides via March 31, 2025 | $95 | 10% |
| Capital One Savor Rewards Card | Limitless 10% money again on Uber and Uber Eats plus complimentary Uber One membership via Nov. 14, 2024 | $95 | 10% |
| Capital One SavorOne Rewards Card | Limitless 10% money again on Uber and Uber Eats plus complimentary Uber One membership via Nov. 14, 2024 | $0 (see rates and fees) | 10% |
| American Express® Green Card | 3 factors per greenback on transit, together with ride-share providers | $150 (see rates and fees) | 6% |
| 5% money again on Lyft rides via March 31, 2025
1.5% money again on all different non-bonus class purchases, together with Uber |
$0 | 5% on Lyft
1.5% on Uber |
|
| Alaska Airlines Visa® credit card | 2 miles per greenback on ride-sharing | $95 | 3% |
| Citi Double Cash® Card (see rates and fees) | 2 factors per greenback on all purchases (1 level if you purchase, plus 1 level per greenback when paying your invoice) | $0 | 2% (or 3.6% in case you even have a premium Citi card) |
| Blue Cash Preferred® Card from American Express | 3% money again on transit, together with ride-hailing providers
Money again obtained within the type of reward {dollars} that may be redeemed as an announcement credit score or at Amazon.com checkout |
$0 intro annual payment for the primary 12 months, then $95 (see rates and fees) | 3% |
| Apple Card | 3% Apple Money on Uber and Uber eats | $0 | 3% |
| The Platinum® Card from American Express | 1 level per greenback on ride-hailing providers (observe that the cardboard additionally offers monthly Uber Cash) | $695 (see rates and fees) | 2% |
*Valuations are primarily based on TPG’s latest calculations and will not be offered by card issuers.
The knowledge for the Capital One Savor Rewards, American Specific Inexperienced and Apple Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
the most effective bank cards for Uber and Lyft
Chase Sapphire Reserve
Annual payment: $550
Rewards on ride-shares: 10 factors per greenback on Lyft purchases via March 31, 2025 ; 3 factors per greenback on journey, which incorporates Uber
Why it is nice for Lyft and Uber: The Chase Sapphire Reserve — one of many best travel credit cards in the marketplace— presents an unbeatable 10 factors per greenback on Lyft purchases and a strong 3 factors per greenback on Uber bills, which code as travel in your assertion.
The Lyft and Uber advantages with the Sapphire Reserve do not finish with the incomes construction — there’s additionally the $300 annual travel credit that comes with the cardboard; as a result of Chase considers ride-hailing providers to be a journey expense, you may as well doubtlessly stand up to $300 off your rides yearly because of the journey credit score. Chase mechanically reimburses you in assertion credit on your journey purchases.
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Lastly, Chase Sapphire Reserve cardholders get a complimentary Lyft Pink All Access membership. This grants members advantages like precedence pickups, free cancellations and 10% off all Lux rides.
For extra particulars, learn our full review of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Chase Sapphire Most well-liked Card
Annual payment: $95
Rewards on ride-shares: 5 factors per greenback on Lyft rides via March 31, 2025 (3 bonus factors along with the two factors earned on all journey)
Why it is nice for ride-shares: Whereas it has a decrease incomes fee than the Sapphire Reserve (and no journey credit score), the Most well-liked is an effective selection in case you desire to not pay a steep annual payment.
For extra particulars, learn our full review of the Chase Sapphire Preferred.
Apply right here: Chase Sapphire Preferred
Capital One Savor Rewards Card
Annual payment: $95
Rewards on ride-shares: Limitless 10% money again on Uber and Uber Eats, plus complimentary Uber One membership, via Nov. 14, 2024
Why it is nice for ride-shares: The Savor presents nice ride-sharing advantages together with 4% again on eating, leisure and standard streaming providers, plus 3% again at grocery shops, nevertheless it does carry a modest annual payment.
For extra particulars, learn our full review of the Capital One Savor card.
Capital One SavorOne Rewards Card
Annual payment: $0 (see rates and fees)
Rewards on ride-shares: Limitless 10% money again on Uber and Uber Eats, plus complimentary Uber One membership, via Nov. 14, 2024
Why it is nice for ride-shares: For Capital One followers who do not like paying an annual payment, this card presents strong worth and advantages, together with limitless 3% money again on eating, leisure, standard streaming providers and at grocery shops (excluding superstores like Walmart and Goal).
For extra particulars, learn our full review of the SavorOne card.
Apply right here: Capital One SavorOne
American Specific Inexperienced Card
Annual payment: $150 (see rates and fees)
Rewards for ride-shares: 3 factors per greenback on transit, together with Lyft and Uber
Why it is nice for ride-shares: When Amex relaunched its iconic Amex Inexperienced Card a number of years in the past, it added expanded bonus classes to the advantages listing — together with 3 factors per greenback on transit (Lyft and Uber purchases fall into that class). The cardboard earns Membership Rewards factors, which TPG values at 2 cents each. That is a 6% return on all your Uber and Lyft spending.
For extra particulars, learn our full review of the Amex Green Card.
Chase Freedom Limitless
Annual payment: $0
Rewards on ride-shares: 5% money again on Lyft rides via March 31, 2025, together with 1.5% money again on all different non-bonus class purchases, which incorporates Uber and Lyft.
Why it is nice for ride-shares: The Freedom Limitless is the cardboard for you in case you desire money again over factors and miles (and luxuriate in not paying an annual payment).
Nevertheless, you will get much more worth from the cardboard if you pair it with a premium card just like the Sapphire Most well-liked or Sapphire Reserve. Chase lets you combine your Ultimate Rewards points right into a single account, successfully changing your cash-back rewards on the Freedom Limitless to totally transferable factors.
For extra particulars, learn our full review of the Chase Freedom Unlimited.
Apply right here: Chase Freedom Unlimited
Alaska Airways Visa® bank card
Annual payment: $95
Rewards for ride-shares: 2 miles per greenback on ride-sharing purchases
Why it is nice for ride-shares: Alaska Airways miles are essentially the most highly-valued airline miles on TPG’s monthly valuations, offering a strong fee of return in your spending and miles which you can redeem for aspirational flights.
For extra particulars, learn our full review of the Alaska Airlines Visa card.
Apply right here: Alaska Airlines Visa card
Citi Double Money Card
Annual payment: $0
Rewards for ride-shares: 2% again on each buy (1% if you purchase and 1% if you pay your invoice).
Why it is nice for ride-shares: The Citi Double Money presents as much as 2% throughout each buy, together with Lyft and Uber purchases. This is likely one of the highest-earning, flat-rate cash-back playing cards in the marketplace, and it is a widespread selection for many who desire a easy technique to earn rewards throughout each buy without having to maintain monitor of activating rotating bonus classes. Now, you may as well convert your Double Cash rewards into ThankYou factors if you even have an eligible ThankYou bank card from Citi, such because the Citi Premier® Card (see rates and fees).
For extra particulars, learn our full review of the Citi Double Cash.
Apply right here: Citi Double Cash Card
Blue Money Most well-liked Card from American Specific
Annual payment: $0 introductory annual payment for one 12 months, then $95 (see rates and fees)
Rewards for ride-shares: 3% on transit, together with ride-share apps like Lyft and Uber
Why it is nice for ride-shares: The Blue Money Most well-liked is one other Amex card that obtained a makeover in 2019, including expanded incomes classes.
A type of extra classes was transit, which incorporates Lyft and Uber purchases. This card stays a powerful possibility to make use of on all your transit bills together with Uber and Lyft. Money again is obtained as reward {dollars} that may be redeemed as an announcement credit score or at Amazon.com checkout.
For extra particulars, learn our full review of the Blue Cash Preferred.
Apply right here: Blue Cash Preferred Card
Apple Card
Annual payment: $0
Rewards for ride-shares: 3% money again on Uber and Uber Eats
Why it is nice for ride-shares: In 2019, Uber grew to become one of many distributors to earn 3% cash back (Daily Cash) on the Apple Card.
The reality is, this card is finest for true Apple loyalists because you solely earn the very best Each day Money at choose retailers like Apple, Uber and Walgreens. You obtain Each day Money proper after every buy. That is good in case you’re a fan of easy money again, however in case you’re going for factors or miles, this card is not your best option.
For extra particulars, learn our full review of the Apple Card.
The Platinum Card® from American Specific
Annual payment: $695 (see rates and fees)
Rewards for ride-shares: 1 level per greenback on ride-hailing service purchases, plus varied advantages (see under).
Why it is nice for ride-shares: Whilst you’re not incomes bonus rewards on Uber or Lyft purchases, the Platinum Card is likely one of the finest choices on the market for Uber perks.
The spotlight of these advantages is as much as $200 in Uber Money to make use of yearly (for U.S. providers), which is damaged down as $15 every month, plus a $20 bonus in December ($35 whole for this month).
To get the credit, it’s essential add your Platinum Card as a payment option in your Uber app — the month-to-month credit will then be loaded into your Uber Money account mechanically originally of every month. As an Amex Platinum cardholder, you may additionally get Uber VIP standing, which lets you request top-rated drivers in choose cities.
Simply observe that this Uber Money does not roll over from month to month, nevertheless it’s additionally legitimate for Uber Eats orders within the U.S. Make sure to use it earlier than the final day of the month so it does not go to waste.
For extra particulars, learn our full review of the Amex Platinum Card.
Apply right here: Amex Platinum Card
Another choice: Reward playing cards
Reward playing cards earn a particular point out on this article.
That is as a result of chances are you’ll earn a greater return when buying Uber present playing cards as a substitute of paying for Uber rides immediately. There are some caveats: Uber present playing cards can solely be used for rides or UberEats orders within the nation the place the present card was bought, they usually cannot be used for household profiles, scheduled rides or college campus card rides.
Shopping for Uber gift cards generally is a good technique to earn a strong return if in case you have a bank card that provides excessive bonus earnings for merchants where you can purchase gift cards, equivalent to grocery stores, gas stations or office supply stores.
Three standard choices for buying present playing cards at choose retailers are the Ink Business Cash® Credit Card, American Express® Gold Card and the Blue Cash Preferred® Card from American Express. You will must discover a retailer within the bonus class on your card that sells Uber present playing cards and can will let you buy present playing cards with a bank card.
Backside Line
With rideshares being an integral a part of fashionable journey, it is smart to maximise your bank card advantages when reserving a ride-hailing service like Uber or Lyft. The trick is to seek out the cardboard or playing cards that be just right for you — and as you’ll be able to see, there isn’t any scarcity of strong choices out there.
For charges and charges of the Amex Platinum Card, click on here.
For charges and charges of the Amex Inexperienced Card, click on here.
For charges and charges of the Amex Blue Money Most well-liked card, click on here.
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