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Do you use Uber and Lyft on a regular basis? In addition to being convenient, rideshares can be an easy way to earn bonus credit card points. Ridesharing is also a great way to explore a large city without the stress of finding and paying for expensive parking. These are some of the best credit cards for Uber and Lyft rides.

best credit cards for uber and lyft
The Best Credit Cards for Uber and Lyft give you up to 5% back and even monthly ride credits.
Photo by Matheus Viana from Pexels

The Best Credit Cards for Uber and Lyft

Platinum Card from American Express

Arguably the best miles credit card for frequent flyers, the Platinum Card from American Express gives you $200 in annual Uber credits.

You get $15 each month plus a $20 bonus in December ($35 total credit) for U.S.-based Uber rides. Other exciting Amex Platinum perks include:

  • $200 airline fee credit
  • Complimentary airport lounge access (Priority Pass, Centurion, Delta Sky Club, etc.)
  • Global Entry or TSA PreCheck application fee credit
  • Earn 5x Membership Rewards on most plane ticket purchases
  • 1:1 airline and hotel point transfers

When you apply using the CardMatch tool, it’s possible to qualify for this card’s highest-ever welcome bonus. If you qualify, you can earn 100,000 bonus Membership Rewards points worth $1,000 in flights. You’ll have to spend $5,000 in the first 3 months of account opening if you qualify. Otherwise, spending the same amount in the same amount of time will earn 60,000 points.

Learn more: Travel Rewards Credit Cards

Uber Credit Card

The information for the Uber Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The Uber Credit Card may seem like a no-brainer for Uber and Uber Eats purchases, if you’re okay with earning Uber Cash. You earn up to 5% Uber Cash on purchases:

  • 5% back on Uber services (Uber, Uber Eats, and JUMP)
  • 3% back on hotels, airfare, and restaurants
  • 1% back on everything else

The Uber Credit Card doesn’t have an annual fee. You also get up to $600 in cell phone protection when you pay your mobile phone bill through the card. New cardholders can earn $100 in Uber Cash after spending $500 on purchases in the first 90 days.

Chase Sapphire Preferred

The Chase Sapphire Preferred earns 2x Ultimate Rewards on dining and travel purchases. However, two new benefits include no delivery fees for a minimum of one year on qualifying food purchases with a DoorDash DashPass subscription, over a $100 value (activate by December 31, 2021). Cardholders can also earn 5x points on Lyft rides through March 2022.

Your points are worth 1.25 cents each when booking award travel with Chase. You can also transfer them at a 1:1 ratio to airlines and hotels including United, Southwest Airlines, Singapore Airlines, and World of Hyatt.

In case you don’t know, Chase Ultimate Rewards points are some of the most valuable credit card points you can earn. They’re worth the most for booking award flights. However, they are also worth 1 cent each for cash and gift cards.

Citi Premier

The information for the Citi Premier has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The Citi Premier can be another exciting option if you desire flexible ways to earn and redeem points. Earn 3x ThankYou points on travel, rideshares, and at gas stations. Dining and entertainment purchases earn 2x points per $1. Everything else earns 1x point per $1.

Points are worth 1.25 cents each when booking award flights through Citi ThankYou. You can also transfer them at a 1:1 ratio to many international airlines including Asia Miles, Emirates, and Singapore Airlines.

If you qualify for the Mastercard World Elite version of the Citi Premier, you can get a loyalty bonus for riding Lyft. Mastercard gives you a $10 Lyft credit once per month after 5 monthly rides.

Learn more: Best Citi credit cards

American Express Green Card

The recently revamped American Express Green Card is another contending entry-level travel credit card:

  • Earn 3x Membership Rewards on eligible travel, rideshares, and dining (including takeout and delivery worldwide)
  • Earn 1x points for all remaining purchases
  • Up to $100 annual CLEAR credit when paid for with the card
  • Up to $100 LoungeBuddy credit when paid for with the card

The American Express® Green Card offers different travel amenities than most travel credit cards. If they can benefit you, getting triple points on Uber and Lyft is a nice reward.

Learn more: Travel Rewards Credit Cards

Wells Fargo Propel American Express Card

The information related to Wells Fargo Propel American Express® Card has been collected by Johnny Jet and has not been reviewed or provided by the issuer or provider of this product or service.

The Wells Fargo Propel American Express card earns 3x Go Far Rewards on select purchases:

  • Public transit and rideshares
  • Travel
  • Gas stations
  • Dining
  • Popular streaming services

Points can be worth up to 1.5 cents each when booking award flights through the Wells Fargo travel portal. All other travel and gift card rewards are worth 1 cent each.

And if you’re wondering if a Wells Fargo metal credit card exists, know that the answer is yes. This is a Wells Fargo metal credit card.

You also get up to $600 in annual cell phone protection by charging your monthly phone bill to your Propel Card. This doesn’t have an annual fee or foreign transaction fee.

Learn more: Best no annual fee travel credit cards

Apple Card

The information related to the Apple Card has been collected by Johnny Jet and has not been reviewed or provided by the issuer or provider of this product or service.

The Apple Card can be a good cash back option for Uber purchases. You get 3% cash at select merchants including Uber, Uber Eats, and Apple. All Apply Pay purchases earn 2% back which is a payment option for Lyft rides. Otherwise, you only earn 1% back on Lyft on other non-Apple Pay purchases.

This card lets you redeem your cash rewards balance daily. It’s a nice feature if you want a cashback card with no annual fee.

Capital One Venture Rewards Credit Card

The Capital One® Venture® Rewards Credit Card makes earning rewards on all purchases easy. You get 2x miles for every $1 you spend (Uber Eats purchases earn 5x miles per $1 spent through January 31, 2021). Then you can redeem your miles for travel statement credits, booking upcoming travel, or transfer miles to Capital One’s leading travel loyalty programs.

One fringe benefit includes Global Entry or TSA PreCheck application fee credit, up to $100.

New cardholders can earn a 100k mile bonus by spending $20,000 on purchases in the first 12 months from account opening, or earn 50,000 miles if you spend $3000 on purchases in the first 3 months.

Learn more: Rewards Credit Cards

US Bank Cash+ Visa Signature Card

The information for the U.S. Bank Cash+™ Visa Signature® Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The US Bank Cash Plus Visa Signature Card is one of several cards letting you earn up to 5% back on purchases. Every quarter, you can earn 5% back on the first $2,000 in select purchases and unlimited 2% back on another everyday category. If Uber and Lyft rides are one of your bonus categories, you can earn more than the standard 1% back for non-bonus purchases.

You get to select your 5% and 2% bonus categories each year. It’s possible to redeem your rewards as cash directly into your US Bank account with no redemption minimum.

Amex EveryDay Credit Card

The information for the Amex EveryDay® Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The Amex EveryDay Credit Card does an excellent job of maximizing your daily spending. By making at least 20 card purchases in a statement period, you earn 20% more points. Before the monthly bonus, you earn 2x Membership Rewards at US supermarkets (on the first $6,000 spent per year) and 1x points for everything else.

This card earns Membership Rewards you can pool with some of the other best American Express credit cards. This way, you can book award flights more often.

World of Hyatt Credit Card

To earn some of the most valuable hotel points, look no further than the World of Hyatt Credit Card. This is one of the best hotel credit cards to book free nights at swanky properties.

Local transit and rideshares earn 2x World of Hyatt points. Dining, flights booked directly from the airline, plus fitness club and gym memberships earn double Hyatt points too. With the card, you earn a total of 9 Hyatt points per $1 spent on World of Hyatt purchases.

Besides getting bonus points on local transit, another exciting reason to consider this card is for the free anniversary night. This night is valid at any category 1-4 property and can be worth a lot more than the card’s $95 annual fee. You get a second free night each year after $15,000 in annual card purchases.

This card also gives you instant World of Hyatt Discoverist loyalty status. Member perks include waived resort fees, premium on-site internet, space-available room upgrades, and Pearl M Life rewards status.

You can also earn a signup bonus of 50,000 World of Hyatt points. Earn 25,000 points after spending $3,000 on purchases in the first 3 months from account opening. Plus, earn an extra 25,000 points after spending $6,000 total within 6 months of account opening.

The full bonus is worth up to 10 World of Hyatt award nights.

Summary of Credit Cards for Uber and Lyft

You might only use Uber and Lyft as they are the easiest ways to get around town. Each ride can also help you earn more rewards for travel and cash. Now, it’s time to get ready to maximize your rides and maybe leave your driver a nice tip in the process.

FAQs

Which credit card is best for Uber?

There are two great options for Uber rides. If you primarily want to redeem your rewards for Uber Cash, the Uber Credit Card earns 5% back on Uber, Uber Eats, and JUMP purchases. All remaining purchases earn either 2% or 1% back.

Frequent flyers can benefit more from the Platinum Card from American Express. You get up to $200 in annual Uber ride credits. This benefit is easy to overlook as you also get $200 in airline fee credits, airport lounge access, and Global Entry or TSA PreCheck.

Ultimately, the best credit card for Uber is the one you use regularly for your daily spending. Even if you don’t earn the most rewards points, being able to easily redeem your rewards for maximum value can be the better deal.

Which credit card is best for Lyft?

Lyft currently doesn’t offer a co-brand credit card. Your next best option can be getting a Mastercard World Elite product like the Citi Premier.

In addition to earning 3 ThankYou points on travel, rideshare, and gas stations, you can get a monthly Lyft credit. After your first 5 Lyft rides in a month, Mastercard gives you a $10 Lyft credit.

Besides the Lyft credit, the Citi ThankYou points you earn are most valuable when redeemed for award flights. Each point is worth 1.25 cents each when booking award flights through your Citi ThankYou account. You should be able to get more value by transferring them to an airline partner at a 1:1 ratio.

Do Uber and Lyft take credit cards?

Yes, both Uber and Lyft accept credit card payments from the four major credit card issuers (Visa, Mastercard, American Express, and Discover). Select credit cards award between 2x and 5x points per $1 on Uber and Lyft purchases.

If your credit card offers bonus points for digital wallet payments (like Apple Pay), it’s possible to earn above the standard 1x point per $1 as well.

Josh Patoka
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Chase Sapphire Preferred® Card

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  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 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, 80,000 points are worth $1,000 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

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