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Best credit cards for Uber and Lyft

Earn rewards on Uber and Lyft rides or get monthly ride credits.

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Our pick for Lyft perks: Chase Sapphire Reserve®

Chase Sapphire Reserve® logo

50,000-point

Signup bonus after spending $4,000 in first 3 months

  • Not just for travel: Get DoorDash perks,10x points on Lyft and 3x on dining
  • Signup bonus worth $750 with Chase Ultimate Rewards
  • $300 annual travel credit
Apply now
With Uber and Lyft gaining in popularity, some 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 earning possibilities 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®

Chase Sapphire Reserve® logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (740-850)
Apply now
on Chase's secure site
Rates & fees

740
Min. credit score
$550
Annual fee
50,000
Points welcome offer
Up to 10x
Points
The Chase Sapphire Reserve® is by far the best credit card for Lyft regulars. Not only do you get to earn the highest rewards rate on Lyft rides, but you also get one year complimentary Lyft Pink membership that comes with awesome Lyft perks, including a 15% discount on your Lyft rides.
  • Earn rewards. Earn 3x points on travel and dining purchases worldwide, and 10x points on Lyft rides until March 2022. All other purchases earn 1x points. Redeem your points for travel via the Chase Ultimate Rewards portal to get 50% higher value. This makes your 10x points on Lyft rides worth 15x points.
  • Lyft Pink membership. You get one year complimentary Lyft Pink membership, which comes with the following benefits: 15% discount on your Lyft rides, priority airport pickup, relaxed cancelation and more. One year membership costs $199.
  • Signup bonus. Earn 50,000 bonus points after you spend $4,000 in your first 3 months of card membership. This is worth $750 if you redeem via the Chase Ultimate Rewards portal on travel purchases.
  • Annual travel credit. Get up to $300 in statement credits as reimbursement for travel purchases every year on your card anniversary.
Annual fee $550
Purchase APR 16.99% to 23.99% variable
Foreign transaction fee None
Welcome offer 50,000 points after spending $4,000 in the first 3 months
Rewards 10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases

Best for accelerated rewards on Lyft

Chase Freedom Unlimited®

Chase Freedom Unlimited® logo
Finder Rating: 4.7 / 5

★★★★★

Credit recommended (670-850)
Apply now
on Chase's secure site
Rates & fees

670
Min. credit score
$0
Annual fee
$200
Welcome offer
Up to 5%
Cash back
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 5% back until March 2022. No similar card offers this perk.
  • Cash back. In addition to 5% cash back on Lyft, you'll also earn 5% back on travel through Chase Ultimate Rewards. Purchases at restaurants and drugstores will earn you 3% back and you'll get 1.5% back on all other purchases.
  • Signup bonus. Earn $200 bonus after you spend $500 in your first 3 months of card membership. Similar cards typically offer $150 signup bonus.
  • Intro APR on purchases. Get 15 months of 0% intro APR period on purchases. After the intro period ends, your rate reverts to variable 14.99% to 23.74%.
Annual fee $0
Purchase APR 0% intro for the first 15 months (then 14.99% to 23.74% variable)
Foreign transaction fee 3% of the transaction value
Welcome offer $200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
Rewards 5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases

Best credit card for Uber

The Platinum Card® from American Express

The Platinum Card® from American Express logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$550
Annual fee
60,000
Points welcome offer
Up to 5x
Points
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.
  • Uber credit and VIP status. Get up to $15 in free Uber rides in the US each month, with a bonus of $20 in December, for a total $200 in Uber rides each year. Also enjoy Uber VIP status, which offers access to top drivers and vehicles and other exclusive perks, discounts and giveaways, where available.
  • Welcome offer. Spend $5,000 on purchases in your first 3 months of card membership to earn 60,000 bonus rewards points. According to the American Express website at the time of writing, 60,000 membership rewards points are worth $420 in Uber gift cards.
  • Membership rewards points. Earn 5x points on flights booked directly with airlines or American Express Travel and 5x points on prepaid hotels booked at American Express Travel. All other purchases earn 1x points. Redeem points for Uber gift cards at a value of 0.7 cents a point.
  • Travel perks. After you select a qualifying airline, you'll get up to $200 in statement credit each calendar year to cover fees charged by the airline to your card, such as checked bags or in-flight meals. You'll also get a fee credit for your TSA PreCheck or Global Entry application once every four years and access to more than 1,200 airport lounges worldwide.
Annual fee $550
Purchase APR
Foreign transaction fee None
Welcome offer 60,000 points after spending $5,000 in your first 3 months
Rewards 5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases

Best Uber or Lyft credit card for families

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express logo
Finder Rating: 4.3 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$95
Annual fee
$250
Welcome offer
Up to 6%
Cash back
Families looking for a versatile rewards 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.
  • Cash back. Earn 3% cash back on Uber and Lyft rides, taxis, tolls, trains, buses, parking and US gas stations. Get 6% cash back on US streaming services. You also earn 6% back at US supermarkets up to $6,000 per year. After that and on all other purchases, your cashback rate is 1%.
  • Welcome offer. Earn $250 as a statement credit once you spend $1,000 in your first 3 months of card membership.
  • Intro APR period. Get a 0% intro APR period on purchases for the first 12 months. After that, a variable APR of 13.99% to 23.99% applies.
Annual fee $95
Purchase APR 0% intro for the first 12 months (then 13.99% to 23.99% variable)
Foreign transaction fee 2.7% of the transaction value
Welcome offer $250 after spending $1,000 in the first 3 months
Rewards 6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases

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

Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
20,000
Points welcome offer
Up to 3x
Points
If you're looking for a no-annual-fee card with accelerated rewards on rideshares, the Wells Fargo Propel American Express® Card could be a solid choice. You earn points not only on Uber and Lyft, but also on gas, travel, dining and popular streaming services.
  • Points. Earn 3x points on rideshares, gas, transit, eating out, ordering in, flights, hotels, homestays, car rentals and popular streaming services. All other purchases earn 1x points.
  • Signup bonus. Spend $1,000 on purchases within 3 months of your account opening and earn 20,000 bonus points.
  • Intro APR period. Get a 0% intro APR for 12 months following your account opening on balance transfers and purchases. After that, a variable APR of 14.49% to 24.99% applies.
  • No foreign transaction fee. Use this card when traveling outside of the US without incurring foreign transaction fees.
Annual fee $0
Purchase APR 0% intro for the first 12 months (then 14.49% to 24.99% variable)
Foreign transaction fee None
Welcome offer 20,000 points after spending $1,000 in the first 3 months
Rewards 3x points on dining, gas, transit, travel and streaming and 1x points on all other purchases

Best credit card for Uber Eats

Uber Visa Card

Uber Visa Card logo
Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
$100
Welcome offer
Up to 5%
Cash back
The Uber Visa Card is an excellent card for earning points on Uber rides and Uber Eats. But where it shines is the accelerated points earned on dining and travel. And if travels take you to another country, you won't pay foreign transaction fees when using this card.
  • Cash back. You'll get 3% back in Uber Cash when you ride with Uber or use Uber Eats. Earn 3% back at restaurants and bars, hotels and airfare. On everything else you buy, earn 1% back.
  • Signup bonus. Earn a $100 bonus in Uber Cash after you spend $500 on purchases in your first 90 days of card membership.
Annual fee $0
Purchase APR 15.74%, 21.74% or 26.49% variable
Foreign transaction fee None
Welcome offer $100 Uber Cash after spending $500 in the first 90 days
Rewards 5% back in Uber Cash on Uber, Uber Eats and JUMP
3% back on dining, hotels and airfare
1% back on all other purchases

Best for earning accelerated rewards on Uber and Lyft

U.S. Bank Cash+™ Visa Signature® Card

U.S. Bank Cash+™ Visa Signature® Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$0
Annual fee
$200
Welcome offer
Up to 5%
Cash back
The U.S. Bank Cash+™ Visa Signature® Card lets you earn a solid cashback rate on ground transportation, including Uber and Lyft rides. Choose an additional category each quarter to earn the same cashback rate and get even more out of your everyday spending
  • Cash back. Earn 5% cash back on up to $2,000 in combined purchases in two categories of your choice, including ground transportation, electronics stores, furniture stores and department stores. Earn 2% back on another category of your choice, such as gas or groceries. Get 1% back on everything else you buy. After you hit your spending limit in in the 5% categories, your rate reverts to 1%. That same rate applies if you don't activate the 5% and 2% categories each quarter.
  • Signup bonus. Earn a $200 bonus after you spend $500 on purchases within your first 90 days of card membership.
  • Intro APR on balance transfers. If you're stuck paying a high APR on another card, take advantage of the 0% intro APR period on balance transfers for 12 billing cycles following your account opening. After the intro period expires, a variable APR of 13.99% to 23.99% applies. Transfers must be completed within 60 days of your account opening to qualify for the intro rate.
Annual fee $0
Purchase APR 13.99% to 23.99% variable
Foreign transaction fee 3% of the transaction value or $2, whichever is higher
Welcome offer $200 after spending $500 in the first 90 days
Rewards 5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases

How to 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:

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 the 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.

What you need to know about the Capital One Uber partnership

In 2015, Capital One introduced to cardholders special benefits and discounts on their Uber rides. But in April 2017, it ended this promotional offer. Today, if you use your Capital One credit card to pay for Uber rides, you won’t earn exclusive extras.

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 you find that none of these cards are appealing enough to your financial situation, check out other credit cards and compare your options.

Compare more cards for Uber or Lyft

Name Product Welcome offer Rewards Annual fee Filter values
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$95
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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