Uber Visa Card rewards credit card review | finder.com

Uber Visa Card review – October 2018

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A stellar cashback card if you dine out or travel frequently, with solid rewards for Uber rides.

30-second take

  • Get this card if you’re always on the go — eating out, traveling or riding with Uber.
  • Pick something else if you want flat-rate cash back on all purchases.
  • Apply with a good to excellent credit score of 680 or higher.
Product NameUber Visa Card
Card TypeVisa
APR (Annual Percentage Rate) for Purchases16.99%, 22.74% or 25.74% variable
Balance Transfer Fee$10 or 3% of the transaction, whichever is greater
Cash Advance Rate26.99% variable
Foreign Transaction FeeNone
Cash Advance Fee$10 or 3% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 23 days
Late Payment FeeUp to $37
Returned Payment FeeUp to $37
Additional Cardholder Fee$0
Rates & FeesRates & Fees
Minimum Age18 years of age
Welcome OfferThe primary cardmember will earn 10,000 bonus points, redeemable for $100 in Uber credits, statement credits or gift cards after spending $500 on net purchases on your Uber Visa Card within the first 90 days from the account open date.
Reward Value per Dollar1% cash back
Rewards Points ExpiryNever

The basics

Uber is hopping into the credit card game with its Uber Visa Card. This product isn’t just for Uber riders — you’ll find great rewards for many different categories.

Most notably, the card offers stellar rewards for dining and travel, which eclipse even those from fan favorites and market leaders. You might wish the card offered more cash back on Uber rides, but it’s still a solid rate. You’ll also receive rewards for online shopping and on every other purchase.

Ultimately, this card is designed for someone who’s out all the time — hitting their favorite restaurants, traveling constantly and making online purchases to complement their busy lifestyle. If that’s you, you’ll find monumental value from this no-annual-fee card.

How the Uber Visa Card stacks up against other cards

The Uber Visa Card is an excellent choice compared to many specialized cards, so long as you have the right mix of spending.

$3,000 in dining, $3,000 in travel, $10,000 in other purchases

Go for the Uber Visa Card if you travel often and love eating out.

Uber Visa CardChase Sapphire Preferred® credit card
Eating out$3,000 x 4% cash back = $120 cash back$3,000 x 2x points = 6,000 points — $75 value in Chase Ultimate Rewards
Travel$3,000 x 3% cash back = $90 cash back$3,000 x 2x points = 6,000 points — $75 value toward Chase Ultimate Rewards
Everyday purchases$10,000 x 1% cash back = $100 cash back$10,000 x 1x points = 10,000 points — $125 value toward Chase Ultimate Rewards
Annual fee$0$95
Effective value of rewards$310$180

$500 in dining, $500 in travel, $10,000 in everyday expenses

If most of your spending consists of everyday purchases like gas, convenience stores or gym membership, you may get more out of a general cash back card.

Uber Visa CardChase Freedom Unlimited® credit card
Eating out$500 x 4% cash back = $20 cash back$500 x 1.5% cash back = $7.50 cash back
Travel$500 x 3% cash back = $15 cash back$500 x 1.5% cash back = $7.50 cash back
Everyday purchases$10,000 x 1% cash back = $100 cash back$10,000 x 1.5% cash back = $150 cash back
Annual fee$0$0
Effective value of rewards$135$165

The perks

  • Annual fee: None.

    This card has strong rewards, and you won’t pay an annual fee to earn them.

  • Signup bonus: $100 reward.

    To earn it, spend $500 on purchases within the first 90 days following your account opening. It’s a decent bonus, but you’ll find cards that offer bonuses worth $200.

  • Rewards: Earn cash back for a variety of spending.

    The Uber Visa Card comes with robust rewards, including up to 4% cash back. Though Barclays markets the card as a cashback product, you’ll receive rewards in the form of points. Redeem points for cash back, Uber credits or gift cards.

    After you link your Uber Visa Card to your Uber account, you can redeem points easily. Your credits will be applied to your fare without any extra effort on your part.

How much cashback rewards can I earn with the Uber Visa Card?

If you spend often in its elevated-rewards categories, the Uber Visa Card could be very valuable. Here are the rewards you’ll earn:

  • 4% back on dining. Restaurants, bars, takeout and UberEATS.
  • 3% back on travel. Hotels, airfare and vacation home rentals.
  • 2% back on online purchases. Video and music streaming, Uber rides and online shopping.
  • 1% back on everything else.

The card has no annual fee, which makes its rewards even sweeter

Since the Uber Visa Card has no annual fee, you don’t need to worry about earning enough rewards to make the card worth it. However, you’ll get the most out of it if you eat out or travel often.

You’ll also like …

  • Earn up to a $50 credit for online subscription services after spending $5,000 each card year.

    The credit will be applied to what you’ve already spent on online subscription services, as well as what you’ll spend on those services until the end of your card year. Eligible services include Apple Music, Spotify, Google Music, Pandora, Amazon Music, Netflix, HBO NOW, Amazon Prime and more.

  • No foreign transaction fees.

    The Uber Visa Card is a great choice for vacations or business trips. You won’t pay transaction fees when you use it abroad or at foreign websites.

  • Up to $600 in mobile phone protection.

    Pay your monthly smartphone bill with your card and receive coverage against accidental loss, damage or theft. You’re covered up to $600 per claim, with a meager $25 deductible.

  • Exclusive events.

    You’ll periodically receive invitations to exclusive events, typically in major cities like San Francisco, Los Angeles, New York, Washington DC and Chicago.

What to watch out for

  • Potentially high APR.

    Depending on your credit, you could have a purchase and balance transfer APR as high as 25.74% variable. Consider avoiding balance transfers, as they don’t have interest grace periods.

  • Higher APR for cash advances.

    Cash advances come with a 26.99% variable APR. Like balance transfers, cash advances don’t come with interest grace periods.

  • Other fees.

    The card has no annual or foreign transaction fees, but you’ll pay fees for balance transfers and cash advances.

  • Penalty fees.

    Late and returned payments can hurt: You’ll pay up to $37 per infraction.

  • Redemption requirements.

    You’ll need a minimum of 2,500 points to redeem for cash back or gift cards. For Uber credits, you need a minimum of 500 points.

Consider other cards if …

Compare other Barclaycard credit cards

Name Product Credit Score Min. Annual Fee Intro Balance Transfer APR Reward Value per Dollar Secured or Unsecured Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
720
0%
Unsecured
$0
13.99% variable
0% for the first 15 months (then to variable)
A low, variable APR on purchases, balance transfers and cash advances.
680
0%
1
Unsecured
16.99%, 21.99% or 26.99% variable
0% for the first 15 months (then 16.99%, 21.99% or 26.99% variable)
Balance transfer offer of 0% for 15 months and enjoy 10,000 bonus points.
720
0%
1
Unsecured
17.24%, 21.99% or 26.99% variable
0% for the first 15 billing cycles (then 17.24%, 21.99% or 26.99% variable)
Earn 15,000 bonus points after your first purchase.
680
1
Unsecured
16.99%, 22.74% or 25.74% variable
Get 4 points back on dining, 3 on travel, 2 on Uber rides and online shopping and 1 on other purchases, and redeem points for Uber credits, gift cards or cash back.
670
99
0%
1
Unsecured
$99
17.99%, 21.99% or 26.99% variable
0% for the first 12 billing cycles (then 17.99%, 21.99% or 26.99% variable)
Earn 40,000 Bonus Points after you spend $1,000 on purchases in the first 90 days.
680
0%
1
Unsecured
$0
16.99%, 21.99%, or 26.99% variable
0% for the first 15 billing cycles (then 16.99%, 21.99%, or 26.99% variable)
Earn points toward the rewards of your choice, and redeem points for statement credits.
680
95
0%
1
Unsecured
$95
17.99%, 21.99% or 26.99% variable
0% for the first fifteen billing cycles (then 17.99%, 21.99% or 26.99% variable)
Limited-Time Offer: Earn 60,000 bonus miles when you make your first purchase in the first 90 days and pay the annual fee.
680
99
0%
1
Unsecured
$99
17.99%, 21.99% or 26.99% variable
0% for the first 15 billing cycles (then 17.99%, 21.99% or 26.99% variable)
Earn 3x HawaiianMiles on eligible purchases made directly from Hawaiian Airlines.
680
79
0%
1
Unsecured
$79
17.99% or 26.99% variable
0% for the first fifteen billing cycles (then 17.99% or 26.99% variable)
Earn 40,000 bonus miles after spending $500 in purchases in the first 90 days of account opening and payment of the annual fee.

Compare up to 4 providers

The Uber Visa Card isn’t the only card that rewards you for spending. Many Barclaycard credit cards offer excellent rewards if you have the credit score to qualify.

Learn more about Barclaycard options

What should I know before I apply?

To apply for the Uber Visa Card, you must be at least 18 years old and a US resident. You’re not eligible if you live in Puerto Rico or a US territory.

Information you’ll need

  • Full name and contact information
  • Residential status
  • Annual income and employment information
  • Social Security number, date of birth and mother’s maiden name

What credit score do I need?

You’ll have a better chance of approval for this card if you apply with a good to excellent credit score of 680 or higher.

What do customers say about the Uber Visa Card?

Customers often say they’re impressed by the card’s dining rewards. However, some users mention the card could offer stronger rewards for Uber rides.

Barclays, the managing back of this card, is accredited by the Better Business Bureau and receives an A+ from the agency. With almost 60 customer reviews, it has an average rating of about 1.3 out of 5 stars. It has over 1,100 customer complaints, over 300 of which have been closed in the past 12 months.

How to apply for the Uber Visa Card

  1. Go to Uber’s website and click Apply now.
  2. Complete the application with details like your name, contact information, annual income and Social Security number.
  3. Review your information and click Apply to submit your application.

How long will it take to get my Uber Visa Card?

Typically, you’ll receive an immediate decision on your application. In rare cases, you may need to wait a few business days to a few weeks until Barclaycard manually approves your application.

You’ll probably receive your card within 7 to 10 business days if you’re approved.

I got the card. Now what?

  • Make timely payments.

    Pay your bill online at the Barclays website, where you can also enroll in autopay.

  • Avoid interest.

    After the close of each billing cycle, you have a grace period of at least 23 days to pay your balance. If you do, you won’t pay interest on your purchases.

  • Avoid fees.

    Late and returned payments come with hefty fees of up to $37. You’ll also pay fees for balance transfers and cash advances.

  • Customer service.

    If you have questions, contact Barclays customer service at 1-866-928-8598.

How do I redeem rewards from the Uber Visa Card?

Log in to your Barclays credit card account to redeem points for gift cards or cash back.

You can redeem points for Uber credits directly in the Uber app.

Bottom line

The Uber Visa Card may seem like a product only for frequent Uber riders. However, you’ll uncover its real value if you dine out or travel frequently and earn stellar cash back on your spending.

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