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Best credit cards for Uber and Lyft

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Best credit cards for Uber and Lyft

Meghan HunterBest credit cards for Uber and LyftMillion Mile Secrets Team

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As ride-hailing companies like Uber and Lyft boom in popularity as alternative ways to get around, those types of purchases have become a more common bonus category for both cash-back cards and travel credit cards.

As with any other kind of spending, you’ll want to make sure you’re using the right card to maximize the rewards you earn when you catch a ride.

We’ve put together a list of the best credit cards for Uber and Lyft purchases.

Best credit cards for Uber and Lyft

Summary of the best cards for Uber and Lyft

CardWelcome bonus & minimum spending requirementsOur review
Chase Sapphire Reserve®50,000 Chase Ultimate Rewards points after spending $4,000 on purchases within the first three months of opening your account
Chase Sapphire Reserve review
Uber Credit Card$100 after spending $500 in the first 90 days
Chase Sapphire Preferred® Card
60,000 Chase Ultimate Rewards points after spending $4,000 on purchases within the first three months of opening your accountChase Sapphire Preferred. review
American Express®️ Green CardEarn 30,000 Amex Membership Rewards® Points after you spend $2,000 on purchases in your first three months of account opening. Terms apply.Amex Green card review
Citi® Double Cash CardNo intro bonusCiti Double Cash review review
The Platinum Card® from American Express60,000 AMEX Membership Rewards points after spending $5,000 on purchases within the first three months of account opening. Terms Apply.AMEX Platinum review
The information for the Uber card and Citi Double Cash has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.
Be sure to maximize the purchases you make with ride-hailing companies like Uber and Lyft. (Photo by MPH Photos/Shutterstock)

Best cards for ride-hailing services

Chase Sapphire Reserve®

Best for earning Chase Ultimate Rewards points

Bonus

When you sign up for Chase Sapphire Reserve, you’ll earn 50,000 Chase Ultimate Rewards points after you spend $4,000 on purchases in the first three months from account opening.  

Benefits

Chase Sapphire Reserve benefits include the ability to earn 3x Chase Ultimate Rewards points on travel (excluding the card’s $300 travel credit), 10x points on Lyft rides (through March 2022) and dining worldwide and one Chase point on all other purchases.

The best perk for this card is the annual $300 in travel credits, which are automatically earned whenever you make a qualifying purchase including airfare, hotels, rental cars and more. You also get an application-fee credit (worth up to $100) for Global Entry or TSA PreCheck every four years. The card also includes a Priority Pass Select membership, which gets you and up to two guests access to 1,200+ airport lounges.

You can also receive a complimentary year of a Lyft Pink membership when you activate the benefit by March 31, 2022. Lyft Pink, a membership that normally costs $19.99/month, comes with perks like:

  • 15% off all rides
  • Three free cancellations a month (if you rebook within 15 minutes)
  • Three free bike/scooter rides per month
  • Priority airport pickups
  • Waived lost and found fees
  • “Surprise offers” — including seasonal discounts and exclusive savings

To activate your membership, add your Sapphire Reserve card as a payment option in your Lyft app and you’ll be prompted to activate your Lyft Pink membership.

Here’s a full rundown of the perks of the Sapphire Reserve.

Annual fee

The Chase Sapphire Reserve annual fee is $550.

Our take

The Chase Sapphire Reserve is the best premium travel rewards credit card. The Sapphire Reserve sign-up bonus is worth at least $750 in travel. And with the $300 annual credit for travel purchases every cardmember anniversary, that’s $1,050 in value in the first year, not counting its other money-saving perks.

Be sure to run the numbers when deciding between the Chase Sapphire Preferred and Chase Sapphire Reserve. For example, you’re effectively paying a $250 annual fee with the Chase Sapphire Reserve ($550 annual fee – $300 travel credit). You’ll pay a $95 annual fee for the Chase Sapphire Preferred. So you’ll effectively pay $155 more each year ($250 – $95) for the Sapphire Reserve and get many more perks, like lounge access, more bonus points on travel and dining purchases, rental car discounts and much more.

Chase has these restrictions for their Sapphire-branded credit cards. You cannot have more than one Sapphire-branded credit card open at the same time.

Uber Credit Card

Best for frequent Uber riders

Bonus

Cardholders receive $100 after spending $500 in the first 90 days.

Benefits

Uber cardholders will earn:

  • 5% back on Uber purchases, including Uber rides, Uber Eats and JUMP bike and scooter rentals
  • 3% back on restaurants, bars, hotels and airfare
  • 1% back on all other purchases

The card also comes with benefits like cellphone insurance and no foreign transaction fees.

Annual fee

$0

Our take

The rewards you earn with this card can only be used for Uber purchases, including Uber rides and Uber Eats, so this card is only good for those who use Uber on a frequent basis. Otherwise, choose another card from this list that’ll offer more flexible redemption options.

Chase Sapphire Preferred® Card

Best for earning Ultimate Rewards points without a big annual fee

Bonus

When you sign up for Chase Sapphire Preferred, you’ll earn 60,000 Chase Ultimate Rewards points after spending $4,000 on purchases in the first three months of opening your account.

Benefits

Chase Sapphire Preferred benefits and perks including the ability to earn 2x Chase Ultimate Rewards points on travel and dining and one point per dollar on all other purchases. Also, through March 2022 you’ll earn 5x points on Lyft rides.

This card also comes with primary car rental insurance when you pay for the rental with your card. You’ll even get solid trip delay insurance for up to $500 back per ticket on incidentals like transportation, meals and lodging when your trip is delayed more than 12 hours or requires an overnight stay. And if your baggage is delayed, you’ll be reimbursed up to $100 per day for up to five days for incidental expenses like toiletries and clothing if the delay is longer than six hours.

Sapphire Preferred cardmembers are eligible for at least a complimentary year of DashPass, which normally costs $9.99/month and gets you waived delivery fees on DoorDash orders of $12+ at participating restaurants. You must activate this benefit by Dec. 31, 2021 to qualify.

Annual fee

The card has a $95 annual fee.

Our take

The Chase Sapphire Preferred is the #1 card we recommend for beginners in the miles and points hobby. This card earns Chase Ultimate Rewards points, which you can transfer to airline and hotel partners like Hyatt, Southwest and United Airlines. Or you can quickly redeem points to save on airfare, hotels or car rentals through the Chase travel portal. The sign-up bonus is worth $750 in travel when you book through the Chase portal.

(Photo by Isabelle Raphael)

American Express® Green Card

Best for earning Amex Membership Rewards points

Bonus

You can earn 30,000 Membership Rewards points after you spend $2,000 on purchases on your Amex Green card in your first three months of account opening.

Ongoing earnings

The Amex Green card earns 3x Membership Rewards points on travel, restaurant purchases worldwide and 1 point per dollar everywhere else.

Benefits

With the Amex Green card you’ll earn 3x Membership Rewards points on transit, including ride-hailing services.

Along with the good earnings rate on travel purchases, you get perks like yearly statement credits of up to $100 when you use your Amex Green card to pay for a Clear membership. Plus, up to $100 in LoungeBuddy statement credits per year. For frequent travelers, benefits like these can make your flying experience better.

Annual fee

$150 (see rates & fees)

Our take

The Amex Green Card is worth it if you can use the card’s unique benefits to save time and money on your travels. The card does carry an annual fee of $150, but it’s not hard to come out ahead.

Citi® Double Cash Card

Best for cash back

Bonus

The Citi Double Cash card does not have a welcome bonus offer.

Benefits and perks

The Citi Double cash card earns a straightforward up to 2% cash back (1% cash back when make a purchase and 1% cash back when you pay for that purchase). To earn the cash back you’ll need to pay at least the minimum amount due on time.

Annual fee

This card has no annual fee.

Our take

Anytime you can earn 2% cash back (1% when you buy, plus 1% when you pay) on a no-annual-fee card, it’s nearly impossible to go wrong. But you can also increase the value of those rewards by combining your Citi ThankYou points to take advantage of the Citi ThankYou transfer partners.

(Photo by Wyatt Smith)

The Platinum Card® from American Express

Best for Uber credits

Bonus

With the Amex Platinum card you can earn 60,000 Membership Rewards points after spending $5,000 on purchases within the first three months of opening your account.

Benefits

The Amex Platinum’s benefits include:

  • Up to $200 in Uber credits annually
  • Up to $200 in annual airline-fee credits
  • Up to $100 in credit for Global Entry/TSA PreCheck application fee
  • Airport lounge access
  • Elite car rental status with Avis, Executive status with National Car Rental and Gold Plus Rewards with Hertz
  • Automatic Hilton Honors and Marriott Gold elite status (free breakfast and upgrades when available)

For information on lounges at your favorite airports, check out this post on how to find Amex Platinum airport lounges. This card also has new travel coverages, including trip delay insurance and trip cancellation/interruption coverage.

Annual fee

The card has a $550 annual fee, which is not waived (see rates & fees). If you use the perks and credits, you’ll easily come out ahead and find the Amex Platinum’s annual fee worth it.

Our take

The Amex Platinum is useful for anyone looking to earn a nice stash of Amex Membership Rewards points through travel spending, especially if you can make the most of the card’s perks. For anyone who uses Uber with any regularity the annual Uber credits of up to $200 are hard to beat.

How we select the best cards for Uber and Lyft

Credit card welcome bonuses are the fastest way to earn lots of rewards. But here’s the thing – you have to know the smart ways to use these bonuses. So, we examine the details of each card and figure out which will earn you the most rewards.

Bonus offers

Like any business, credit card companies create offers to entice customers. Some welcome bonuses are appealing; others are not. We’ve done the comparisons for you.

Minimum spending requirements

To earn the introductory bonus, you must spend a certain amount using your new card within a certain time frame. We like reasonable spending requirements that make it easy to get your bonus. We do list cards with bigger requirements – but only if the rewards you can earn are worth it.

Ongoing bonus opportunities

We prefer the cards that keep rewarding you even after you earn the initial welcome bonus. And in the case of finding the right card for your ride-hailing purchases, you’ll want one that offers ongoing earnings in that particular category. Again, we’ve sorted through the options for you.

For rates and fees of the Amex Green card, click here.
For rates and fees of the Amex Platinum Card, please click here.

Chase Sapphire Reserve®

Chase Sapphire Reserve®

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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