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Over the previous few years, we have embraced ride-hailing companies so totally that it is laborious 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, companies like Uber and Lyft can get costly. Fortuitously, ride-hailing companies have change into a standard bonus class for each journey bank cards and cash-back bank cards, and plenty of playing cards supply particular credit and advantages while you guide a experience by way of an app.
Beneath, we’re breaking down one of the best Uber and Lyft bank cards that will help you maximize your earnings on every journey.
Overview of one of the best bank cards for Uber and Lyft
|
Card |
Earn charges and advantages |
Annual charge |
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 Most well-liked® 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 charges and costs) | 10% |
| American Specific® Inexperienced Card | 3 factors per greenback on transit, together with ride-share companies | $150 (see charges and costs) | 6% |
|
Chase Freedom Limitless |
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 Airways Visa® bank card | 2 miles per greenback on ride-sharing | $95 | 3% |
| Citi Double Money® Card (see charges and costs) | 2 factors per greenback on all purchases (1 level while you purchase, plus 1 level per greenback when paying your invoice) | $0 | 2% (or 3.6% should you even have a premium Citi card) |
| Blue Money Most well-liked® Card from American Specific | 3% money again on transit, together with ride-hailing companies
Money again acquired within the type of reward {dollars} that may be redeemed as a press release credit score or at Amazon.com checkout |
$0 intro annual charge for the primary yr, then $95 (see charges and costs) | 3% |
| Apple Card | 3% Apple Money on Uber and Uber eats | $0 | 3% |
| The Platinum® Card from American Specific | 1 level per greenback on ride-hailing companies (word that the cardboard additionally provides month-to-month Uber Money) | $695 (see charges and costs) | 2% |
*Valuations are based mostly on TPG’s newest calculations and aren’t supplied by card issuers.
The data 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 supplied by the cardboard issuer.
one of the best bank cards for Uber and Lyft
Chase Sapphire Reserve
Annual charge: $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 — among the best journey bank cards in the marketplace— provides an unbeatable 10 factors per greenback on Lyft purchases and a strong 3 factors per greenback on Uber bills, which code as journey 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 journey credit score that comes with the cardboard; as a result of Chase considers ride-hailing companies to be a journey expense, you too can doubtlessly rise up to $300 off your rides yearly due to the journey credit score. Chase robotically reimburses you in assertion credit to your journey purchases.
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Lastly, Chase Sapphire Reserve cardholders get a complimentary Lyft Pink All Entry membership. This grants members advantages like precedence pickups, free cancellations and 10% off all Lux rides.
For extra particulars, learn our full overview of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Chase Sapphire Most well-liked Card
Annual charge: $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 price than the Sapphire Reserve (and no journey credit score), the Most well-liked is an efficient selection should you desire to not pay a steep annual charge.
For extra particulars, learn our full overview of the Chase Sapphire Most well-liked.
Apply right here: Chase Sapphire Most well-liked
Capital One Savor Rewards Card
Annual charge: $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 provides nice ride-sharing advantages together with 4% again on eating, leisure and standard streaming companies, plus 3% again at grocery shops, however it does carry a modest annual charge.
For extra particulars, learn our full overview of the Capital One Savor card.
Capital One SavorOne Rewards Card
Annual charge: $0 (see charges and costs)
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 don’t love paying an annual charge, this card provides strong worth and advantages, together with limitless 3% money again on eating, leisure, standard streaming companies and at grocery shops (excluding superstores like Walmart and Goal).
For extra particulars, learn our full overview of the SavorOne card.
Apply right here: Capital One SavorOne
American Specific Inexperienced Card
Annual charge: $150 (see charges and costs)
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 every. That is a 6% return on all your Uber and Lyft spending.
For extra particulars, learn our full overview of the Amex Inexperienced Card.
Chase Freedom Limitless
Annual charge: $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 should you desire money again over factors and miles (and luxuriate in not paying an annual charge).
Nonetheless, you will get much more worth from the cardboard while you pair it with a premium card just like the Sapphire Most well-liked or Sapphire Reserve. Chase permits you to mix your Final Rewards factors right into a single account, successfully changing your cash-back rewards on the Freedom Limitless to completely transferable factors.
For extra particulars, learn our full overview of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Alaska Airways Visa® bank card
Annual charge: $95
Rewards for ride-shares: 2 miles per greenback on ride-sharing purchases
Why it is nice for ride-shares: Alaska Airways miles are probably the most highly-valued airline miles on TPG’s month-to-month valuations, offering a strong price of return in your spending and miles you can redeem for aspirational flights.
For extra particulars, learn our full overview of the Alaska Airways Visa card.
Apply right here: Alaska Airways Visa card
Citi Double Money Card
Annual charge: $0
Rewards for ride-shares: 2% again on each buy (1% while you purchase and 1% while you pay your invoice).
Why it is nice for ride-shares: The Citi Double Money provides 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 frequent selection for many who desire a simple method to earn rewards throughout each buy while not having to maintain monitor of activating rotating bonus classes. Now, you too can convert your Double Money rewards into ThankYou factors while you even have an eligible ThankYou bank card from Citi, such because the Citi Premier® Card (see charges and costs).
For extra particulars, learn our full overview of the Citi Double Money.
Apply right here: Citi Double Money Card
Blue Money Most well-liked Card from American Specific
Annual charge: $0 introductory annual charge for one yr, then $95 (see charges and costs)
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 acquired a makeover in 2019, including expanded incomes classes.
A kind of further classes was transit, which incorporates Lyft and Uber purchases. This card stays a powerful choice to make use of on all your transit bills together with Uber and Lyft. Money again is acquired as reward {dollars} that may be redeemed as a press release credit score or at Amazon.com checkout.
For extra particulars, learn our full overview of the Blue Money Most well-liked.
Apply right here: Blue Money Most well-liked Card
Apple Card
Annual charge: $0
Rewards for ride-shares: 3% money again on Uber and Uber Eats
Why it is nice for ride-shares: In 2019, Uber turned one of many distributors to earn 3% money again (Day by day Money) on the Apple Card.
The reality is, this card is greatest for true Apple loyalists because you solely earn the very best Day by day Money at choose retailers like Apple, Uber and Walgreens. You obtain Day by day Money proper after every buy. That is good should you’re a fan of straightforward money again, however should you’re going for factors or miles, this card is not your best option.
For extra particulars, learn our full overview of the Apple Card.
The Platinum Card® from American Specific
Annual charge: $695 (see charges and costs)
Rewards for ride-shares: 1 level per greenback on ride-hailing service purchases, plus numerous advantages (see beneath).
Why it is nice for ride-shares: When you’re not incomes bonus rewards on Uber or Lyft purchases, the Platinum Card is likely one of the greatest 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. companies), which is damaged down as $15 every month, plus a $20 bonus in December ($35 whole for this month).
To get the credit, you might want to add your Platinum Card as a cost choice in your Uber app — the month-to-month credit will then be loaded into your Uber Money account robotically in the beginning of every month. As an Amex Platinum cardholder, you will additionally get Uber VIP standing, which lets you request top-rated drivers in choose cities.
Simply word that this Uber Money would not roll over from month to month, however 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 would not go to waste.
For extra particulars, learn our full overview 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 you might earn a greater return when buying Uber reward playing cards as an alternative of paying for Uber rides immediately. There are some caveats: Uber reward playing cards can solely be used for rides or UberEats orders within the nation the place the reward card was bought, they usually cannot be used for household profiles, scheduled rides or college campus card rides.
Shopping for Uber reward playing cards is usually a good method to earn a strong return when you’ve got a bank card that gives excessive bonus earnings for retailers the place you should buy reward playing cards, resembling grocery shops, fuel stations or workplace provide shops.
Three standard choices for buying reward playing cards at choose retailers are the Ink Enterprise Money® Credit score Card, American Specific® Gold Card and the Blue Money Most well-liked® Card from American Specific. You will have to discover a retailer within the bonus class to your card that sells Uber reward playing cards and can permit you to buy reward playing cards with a bank card.
Backside Line
With rideshares being an integral a part of trendy 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 possibly can see, there is not any scarcity of strong choices accessible.
For charges and costs of the Amex Platinum Card, click on right here.
For charges and costs of the Amex Inexperienced Card, click on right here.
For charges and costs of the Amex Blue Money Most well-liked card, click on right here.