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Best credit cards for Uber and Lyft 2022

These cards offer the best rates on rideshare purchases or get monthly ride credits.

With Uber and Lyft a standard form of travel for folks, many credit cards now offer rideshares and limousines as an accelerated rewards category. Depending on the card, you can earn strong cash back, redeem your points for Uber credits or receive up to $200 annually toward rides with Uber.

We looked at a few factors when selecting our top picks, including the presence of Uber or Lyft specific programs, the points earned per dollar spent on ridesharing, statement credits or other bonuses available for rideshares, welcome offer values and other reward bonus categories a consumer might look at when choosing a rideshare rewards card. The cards we chose stood out among the competition in one or several of these areas, earning a spot on our list.

Best credit card for Lyft

Chase Sapphire Reserve®

Finder rating 4.6 / 5 ★★★★★

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The Chase Sapphire Reserve® is by far the best rewards credit card for Lyft regulars. It offers the highest rewards rate on the market for Lyft rides at 10x points per dollar spent and also offers a one-year complimentary Lyft Pink membership that comes with awesome Lyft perks, including a 15% discount on your Lyft rides. Lyft doesn't offer a cobranded credit card, but the Chase Sapphire Reserve® is the next best thing. And if the asking price is too steep, the Chase Sapphire Preferred is a great alternative.

Best for accelerated rewards on Lyft

Chase Freedom Unlimited®

Finder rating 4.7 / 5 ★★★★★

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The Chase Freedom Unlimited® is a solid cashback card with strong earning categories and an impressive 1.5% base cashback rate. On Lyft rides, you'll earn 6.5% back until March 2022. No other flat rate cashback card offers such a perk, so if you Lyft often, this is the flat rate card that will likely offer you the best value.

Best Uber or Lyft credit card for families

Blue Cash Preferred® Card from American Express

Finder rating 4.3 / 5 ★★★★★

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Families looking for a versatile and top-performing cashback credit card could find this card useful. Not only will you earn accelerated cash back on transit, including Uber and Lyft rides, but you will also earn one of the highest cashback rates at US supermarkets and US streaming services.

Best credit card for Uber

The Platinum Card® from American Express

Finder rating 4.4 / 5 ★★★★★

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If you're looking for the ultimate travel card with a high Uber credit value, then the The Platinum Card® from American Express is worth considering. You can save up to $200 in Uber rides annually and earn points on your travel purchases, which you can redeem for Uber gift cards. The basic cardholder also gets complimentary Uber VIP status, a nice perk on top of the valuable credits.

Best no-annual-fee credit card for Uber and Lyft

Citi Custom Cash℠ Card

Finder rating 4.9 / 5 ★★★★★

With the Wells Fargo Propel card unavailable for the time being, the Citi Custom Cash℠ Card is the new top pick for a no-annual-fee card that can earn you big on Uber and Lyft purchases. You'll earn 5% back on your highest eligible spending category, up to $500 total each billing cycle, reverting to 1% after that. This means no matter if you're spending with Uber or Lyft, you'll earn that 5% back until you cap.

What’s changed in 2022?
The Uber Visa Card is no longer available.

Now, your Amex Uber credits aren’t applied automatically — they’re directed to your Uber Cash balance. To use them, select Uber Cash as your payment option for each ride.

How do I choose the best credit card for Uber and Lyft?

When choosing a card with perks and features for your Uber or Lyft purchases, look for the following features.

Alternatives to credit cards for Uber and Lyft

Any of the cards above could be excellent options for frequent ridesharing users. But there are some alternatives you could consider, such as:

  • An Amazon credit card. This may seem strange, but an Amazon credit card with a 5% cash back on Amazon purchases could be one of the most rewarding options. Here’s how it works: you buy Uber gift cards on Amazon and earn 5% back on your purchases. This is one of the highest rewards rates you can get on Uber purchases.
  • Flat rewards-rate card. A credit card with flat rewards on all purchases can be a decent alternative. For example, the Citi® Double Cash Card earns an unlimited 2% cash back on all purchases — 1% back when you make the purchase and an additional 1% back when you pay it off. And you get to earn the same 2% back on everything else, such as groceries, gas, dining, home improvements and travel. The difference between this card and another card with 3% back on rideshares is that you earn $10 less for every $1,000 spent on this category.
  • A general travel credit card. Credit cards that earn rewards on air travel are among the most valuable types of rewards cards when used to maximum efficiency. Some travel cards also earn rewards on dining and entertainment purchases as well, making them great choices for travel at large.

Bottom line

If you frequently hail Uber and Lyft, a credit card with accelerated rewards on rideshares can help you earn cash and perks on your rides. Your options include several credit cards that offer points for rideshares and one ultimate travel card with annual Uber credits and Uber gift card redemption options. However, if none of these cards are appealing enough to your financial situation, check out other credit cards and compare your options.

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