Over the previous few years, we have embraced ride-hailing companies so absolutely that it is laborious to think about a time when our solely choices to get round a brand new metropolis have been public transportation or calling a taxi.
However as handy as they’re, companies like Uber and Lyft can get costly. Happily, ride-hailing companies have turn out to be a standard bonus class for each journey bank cards and cash-back bank cards, and lots of playing cards supply particular credit and advantages once you guide a experience by way of an app.
Beneath, we’re breaking down the very best Uber and Lyft bank cards that will help you maximize your earnings on every journey.
Overview of the very best bank cards for Uber and Lyft
*Valuations are primarily based on TPG’s August 2024 calculations and usually are not supplied by card issuers.
The data for the 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.
The very best bank cards for Uber and Lyft
Chase Sapphire Reserve
Annual payment: $550
Rewards on ride-hailing: 10 factors per greenback on Lyft purchases by means of March 31, 2025, and three factors per greenback on journey, which incorporates Uber
Why it is nice for ride-hailing: The Chase Sapphire Reserve — one of many finest journey bank cards in the marketplace— gives 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 stand up to $300 off your rides yearly because of the journey credit score. Chase mechanically 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 evaluate of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Chase Sapphire Most well-liked Card
Annual payment: $95
Rewards on ride-hailing: 5 factors per greenback on Lyft rides by means of March 31, 2025 (3 bonus factors along with the two factors earned on all journey)
Why it is nice for ride-hailing: Whereas it has a decrease incomes fee than the Sapphire Reserve (and no journey credit score), the Most well-liked is an efficient selection when you choose to not pay a steep annual payment.
For extra particulars, learn our full evaluate of the Chase Sapphire Most well-liked.
Apply right here: Chase Sapphire Most well-liked
Capital One SavorOne Money Rewards Card
Annual payment: $0 (see charges and charges)
Rewards on ride-hailing: Limitless 10% money again on Uber and Uber Eats, plus complimentary Uber One membership, by means of Nov. 14, 2024
Why it is nice for ride-hailing: For Capital One followers who do not like paying an annual payment, this card gives strong worth and advantages, together with limitless 3% money again on eating, leisure, in style streaming companies and at grocery shops (excluding superstores like Walmart and Goal).
For extra particulars, learn our full evaluate of the SavorOne card.
Apply right here: Capital One SavorOne Money
American Specific Inexperienced Card
Annual payment: $150
Rewards for ride-hailing: 3 factors per greenback on transit, together with Lyft and Uber
Why it is nice for ride-hailing: When Amex relaunched its iconic Amex Inexperienced Card a number of years in the past, it added expanded bonus classes to the advantages checklist — together with 3 factors per greenback on transit (Lyft and Uber purchases fall into that class). The cardboard earns Membership Rewards factors, which TPG’s August 2024 valuations peg at 2 cents every. That is a 6% return on your entire Uber and Lyft spending.
For extra particulars, learn our full evaluate of the Amex Inexperienced Card.
Chase Freedom Limitless
Annual payment: $0
Rewards on ride-hailing: 5% money again on Lyft rides by means of 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-hailing: The Freedom Limitless is the cardboard for you when you choose money again over factors and miles (and luxuriate in not paying an annual payment).
Nevertheless, you will get much more worth from the cardboard once you pair it with a premium card just like the Sapphire Most well-liked or Sapphire Reserve. Chase lets you 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 evaluate of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Alaska Airways Visa Signature bank card
Annual payment: $95
Rewards for ride-hailing: 2 miles per greenback on ride-hailing purchases
Why it is nice for ride-hailing: Alaska Airways miles are probably the most highly-valued airline miles on TPG’s August 2024 valuations, offering a strong fee of return in your spending and miles that you would be able to redeem for aspirational flights.
For extra particulars, learn our full evaluate of the Alaska Airways Visa card.
Apply right here: Alaska Airways Visa card
Citi Double Money Card
Annual payment: $0
Rewards for ride-hailing: 2% again on each buy (1% once you purchase and 1% once you pay your invoice).
Why it is nice for ride-hailing: The Citi Double Money gives as much as 2% throughout each buy, together with Lyft and Uber purchases. This is without doubt one of the highest-earning, flat-rate cash-back playing cards in the marketplace, and it is a frequent selection for individuals who need a simple approach to earn rewards throughout each buy without having to maintain monitor of activating rotating bonus classes.
For extra particulars, learn our full evaluate of the Citi Double Money.
Apply right here: Citi Double Money Card
Blue Money Most well-liked Card from American Specific
Annual payment: $0 introductory annual payment for one yr, then $95 (see charges and charges)
Rewards for ride-hailing: 3% on transit, together with ride-hailing apps like Lyft and Uber
Why it is nice for ride-hailing: The Blue Money Most well-liked is one other Amex card that acquired a makeover in 2019, including expanded incomes classes.
A kind of extra classes was transit, which incorporates Lyft and Uber purchases. This card stays a powerful choice to make use of on your entire 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 evaluate of the Blue Money Most well-liked.
Apply right here: Blue Money Most well-liked Card
Apple Card
Annual payment: $0
Rewards for ride-hailing: 3% money again on Uber and Uber Eats
Why it is nice for ride-hailing: 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 finest 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 when you’re a fan of straightforward money again, however when you’re going for factors or miles, this card is not your best option.
For extra particulars, learn our full evaluate of the Apple Card.
The Platinum Card from American Specific
Annual payment: $695 (see charges and charges)
Rewards for ride-hailing: 1 level per greenback on ride-hailing service purchases, plus numerous advantages (see under).
Why it is nice for ride-hailing: When you’re not incomes bonus rewards on Uber or Lyft purchases, the Platinum Card is without doubt one of the finest 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 complete for this month). Enrollment is required.
To get the credit, that you must 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 mechanically at first of every month. As an Amex Platinum cardholder, you may additionally get Uber VIP standing, which lets you request top-rated drivers in choose cities.
Simply notice that this Uber Money would not roll over from month to month, nevertheless it’s additionally legitimate for Uber Eats orders within the U.S. Remember to use it earlier than the final day of the month so it would not go to waste.
For extra particulars, learn our full evaluate of the Amex Platinum Card.
Apply right here: Amex Platinum Card
An alternative choice: Reward playing cards
Reward playing cards earn a particular point out on this article.
That is as a result of you could earn a greater return when buying Uber reward playing cards as a substitute 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, and so they cannot be used for household profiles, scheduled rides or college campus card rides.
Shopping for Uber reward playing cards is usually a good approach to earn a strong return you probably have a bank card that provides excessive bonus earnings for retailers the place you should buy reward playing cards, resembling grocery shops, fuel stations or workplace provide shops.
Three in style 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 must discover a retailer within the bonus class to your card that sells Uber reward playing cards and can can help you buy reward playing cards with a bank card.
Backside line
With ride-hailing an integral a part of trendy journey, it is sensible 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 give you the results you want — and as you may see, there is not any scarcity of strong choices out there.
Associated: The very best playing cards for each bonus class
For charges and charges of the Amex Platinum Card, click on right here.
For charges and charges of the Amex Blue Money Most well-liked card, click on right here.
