The Best Credit Cards for Uber & Lyft Rides [2021]

BY 

Christine Krzyszton

- UPDATED: June 9, 2021   |    2

1. Credit Cards

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The ridesharing trend has changed the way we make transportation choices by giving us several additional and potentially money-saving options from which to select.

Credit card issuers have been quick to jump on board to form partnerships with ridesharing companies, offer bonus-earning incentives, and include complimentary rideshare memberships that can offer even greater benefits.

If you’re a frequent rideshare user, you’ll want to know how to earn the most rewards possible on every purchase. We’ll take a look at the cards that are top earners when it comes to rideshare purchases, specifically Uber and Lyft. We’ll point out any special membership perks, statement credits, or other benefits you might also receive.

In the end, you’ll know which of your current cards are best for Uber and Lyft and which cards you might consider in the future.

Here’s a look at some of the best cards for Uber and Lyft purchases.

Best Personal Consumer Cards for Uber & Lyft

Chase Sapphire Reserve® Card

Credit Card

Key Benefits & Info

Chase Sapphire Reserve® Card Learn More (at Chase's secure site)

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Bonus Valuation*: $1,200 $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through 12/31/21, gas station & grocery store purchases will also count towards earning your Travel Credit 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓® Excellent Credit Recommended (740-850) Annual Fee: $550 Must Reads: For more on the Chase Sapphire Reserve, see our thoughts on its benefits, global airport lounge access, and travel insurance protection. Take a look here for our full review.

Why We Like the Card for Uber and Lyft

With the Chase Sapphire Reserve card, Uber purchases count as a travel bonus-earnings category, so you’ll receive 3x Ultimate Rewards points for every dollar spent.

On Lyft purchases, due to a partnership with Chase, you’ll earn 10x Ultimate Rewards points through March 2022 for each dollar spent and receive a complimentary year of Lyft Pink membership which gives you priority pricing and a 15% discount on Lyft purchases, priority pickups at airports, broader cancellation options, and more. Lyft Pink membership is normally $19.99 per month.

The card also comes with worldwide lounge access via Priority Pass Select membership, a $300 travel statement credit, travel insurance coverages, and shopping benefits and protections.

Hot Tip: Learn more about the benefits of a Lyft Pink membership in our guide to earning rewards with Lyft.

Chase Sapphire Preferred® Card

Credit Card

Benefits & Info

Best Offer Ever Chase Sapphire Preferred® Card Learn More (at Chase's secure site)

Earn 100,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That's $1,250 when redeeming points for eligible purchases with the new Pay Yourself Back tool, or for travel through Chase Ultimate Rewards® UP's Bonus Valuation*: $2,000 Earn 2x points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases. Earn 5x points on Lyft rides (including bikes and scooters) through March 2022. That’s 3X points in addition to the 2X points you already earn on travel. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21. Good to Excellent Credit Recommended (670-850) Annual Fee: $95 Must Reads: For more info on the Chase Sapphire Preferred, see our thoughts on its benefits and travel insurance coverage, which includes primary car rental insurance. Take a look at our full review to see why it's one of our favorite cards.

Why We Like the Card for Uber and Lyft

If you want a solid travel rewards card with a lower annual fee, you’ll find value with one of our favorite cards, the Chase Sapphire Preferred card.

We like that the card earns 2x Ultimate Rewards points on Uber purchases and 5x earnings on Lyft purchases through March 2022.

The Platinum Card® from American Express

Amex Card

Benefits & Info

New 100k Welcome Offer The Platinum Card® from American Express Learn More (at Amex's secure site)

Earn 60,000 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership. Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required. $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline. $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only. $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required. $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership. Good to Excellent Credit Recommended (670-850) Annual Fee: $695 Terms Apply. For rates and fees of the Amex Platinum card, click here. UP's Bonus Valuation*: $2,200 Must Reads: For more info on the Amex Platinum, see our thoughts on the cards incredible benefits and perks, which includes travel insurance coverage, car rental insurance and so much more. Check out our full review to see why it's one of the best travel credit cards.

Why We Like the Card for Uber Purchases

The Amex Platinum card comes with up to $200 each calendar year in Uber Cash that can be used for U.S. Uber rides or U.S. Uber Eats purchases. Each month, January through November, you’ll receive $15, and in December, $35.

In addition to Uber Cash, cardmembers receive complimentary Uber VIP status that gives access to highly-rated drivers, nicer vehicles, and elevated service. For more information on maximizing these Uber benefits, read our informative article. Just remember to update your method of payment to your Amex Platinum card for benefits to apply!

With a long list of premium travel benefits and flexible redemption options, the card is one of the best for travelers. Here’s how to maximize earnings on the card, get the most value at redemption time, and a look at how we value all the benefits that come with the card.

American Express® Gold Card

Credit Card

Key Benefits & Info

New Welcome Offer American Express® Gold Card Learn More (at Amex's secure site)

Rose Gold is back. You can now choose between Gold or Rose Gold. Earn 35,000 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required. Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21. No Foreign Transaction Fees. Good to Excellent Credit Recommended (670-840) Annual Fee: $250 Terms Apply. For rates and fees of the Amex Gold Card, click here. UP's Bonus Valuation*: $1,320 Must Reads: For more info on the Amex Gold Card, see our guides on its benefits and perks, as well as our full review.

Why We Like the Card for Uber and Lyft

You won’t be earning big on Uber and Lyft purchases as these are not bonus-earning categories on the Amex Gold card and fall into the 1x earning level.

However, when you add your Amex Gold card to your Uber account you’ll automatically score up to $10 in Uber Cash credited each month to your Uber account for U.S. Uber Eats orders or U.S. Uber rides in the U.S., totaling up to $120 per year. Like the Amex Platinum card’s benefit, remember to update your method of payment to your Amex Gold card for benefits to apply. These Uber Cash credits do not accumulate — you’ll need to use the credits each month or lose them.

We do love how this card earns big at U.S. supermarkets (4x points per $1 on up to $25,000 per calendar year in purchases, then 1x) where you may be able to purchase Uber or Lyft gift cards.

American Express® Green Card

Credit Card

Benefits & Info

American Express® Green Card Learn More (at Amex's secure site)

Earn 30,000 Membership Rewards® points after spending $2,000 in your first 3 months. Earn 3x Membership Rewards® points on restaurants worldwide, including takeout and delivery. Earn 3x Membership Rewards® points on all eligible travel, from subway swipes to hotel stays. Earn up to $100 in annual statement credits towards a CLEAR membership Earn up to $100 statement credit per year on LoungeBuddy purchases No foreign transaction Fees Annual Fee: $150

Why We Like the Card for Uber and Lyft

We like that you’ll be earning 3x Membership Rewards per dollar spent on travel purchases, which includes Uber and Lyft ride purchases.

Additionally, the card offers the same bonus earnings on worldwide dining and comes with a $100 statement credit towards a CLEAR membership and a $100 statement credit for LoungeBuddy purchases.

Blue Cash Preferred Card® from American Express

Credit Card

Benefits & Info

New Welcome Offer Blue Cash Preferred® Card from American Express Learn More (at Amex's secure site)

Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back. Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits. 6% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 6% Cash Back on select U.S. streaming subscriptions 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses, and more 3% Cash Back at U.S. gas stations, 1% back on other purchases. Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99% Annual Fee: $0 intro annual fee for the first year, then $95. Terms Apply. For rates and fees of the Blue Cash Preferred card, click here.

Why We Like the Card for Uber and Lyft

The Amex Blue Cash Preferred card earns 3% cash-back on transit, including rains, taxicabs, rideshare services (which include Uber and Lyft), ferries, tolls, parking, buses, and subways (airfare, car rental and cruises are not considered transit. You’ll also earn 3% cash-back at U.S. gas stations.

With 6% cash-back earnings at U.S. supermarkets (up to $6,000 per card anniversary year), and unlimited 6% earning on select U.S. streaming services, the card has plenty of earning power.

Capital One® Venture® Rewards Card

Credit Card

Benefits & Info

Capital One Venture Rewards card Learn More (at our partner's secure site)

Earn 60,000 miles once you spend $3,000 on purchases within 3 months from account opening. Earn unlimited 2X miles on every purchase, every day. Miles won't expire for the life of the account and there's no limit to how many you can earn Receive up to $100 credit for Global Entry or TSA PreCheck No Foreign Transaction Fees Annual Fee: $95 Must Reads: For more info on the CapOne Venture card, see our thoughts on its benefits and our full review.

Why We Like the Card for Uber and Lyft

With its simplistic earning structure, you can count on 2x earnings on every purchase you make, including Uber and Lyft rides.

The card also comes with a generous welcome bonus.

World & World Elite Mastercards

All U.S. World and World Elite Mastercard cardholders will receive $5 in Lyft credit automatically after your third ride in a calendar month (until September 30, 2022). The credit can only be used once per month.

Hot Tip: Check for additional rideshare savings and earning bonuses with Amex Offers or Chase Offers. For Amex Offers, login to your online card account and scroll down the page until you see the list of offers. Chase Offers are also found on the home page of your Chase card account. All offers need to be added to the associated card prior to making a purchase. 

Best Business Card for Uber & Lyft

There are very few business cards that offer elevated earnings or benefits for rideshares. Here is one of the best business credit cards that does offer top earnings for Uber and Lyft.

Ink Business Preferred® Card

Credit Card

Key Benefits & Info

Ink Business Preferred® Credit Card Learn More (at Chase's secure site)

Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months. Bonus Valuation*: $2,000 Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn 25% more value when redeeming points through Ultimate Rewards® travel Good to Excellent Credit Recommended (670-850) Annual Fee: $95 Must Reads: For more info on the Ink Business Preferred, see our guides on its benefits, 7 things to do as a new cardholder, and our full review. This is our favorite Chase business credit card.

The Ink Business Preferred card is one of our favorite business cards, partially due to its bonus earnings on purchases that businesses commonly make.

You’ll be earning 3x Ultimate Rewards points on travel, which includes Uber and Lyft purchases.

You’ll also earn on common business purchases such as shipping, internet/cable/phone services, and advertising via select social media and search engines. When it comes redemption time, you’ll receive 25% more value for your points when using the Chase travel portal, and have the option to transfer points to airline and hotel partners for potentially even greater value.

Best No-Annual-Fee Cards for Uber & Lyft

Can you actually earn rewards for your Uber and Lyft purchases with a no-annual-fee card? Yes, and here are some great card options for doing just that.

Chase Freedom Unlimited® Card and Chase Freedom Flex℠ Credit Card

Credit Card

Benefits & Info

Chase Freedom Unlimited® card Learn More (at Chase's secure site)

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. Earn unlimited 1.5% cash back on all other purchases. Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases. 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%. No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open. Annual Fee: $0 Must Reads: For more info on the Chase Freedom Unlimited, see our thoughts on its benefits and our full review.

Credit Card

Benefits & Info

Chase Freedom Flex℠ Credit Card Learn More (at Chase's secure site)

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%. No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open. Good to Excellent Credit Recommendation (670-850) Annual Fee: $0

Why We Like the Cards for Uber and Lyft

You’ll be earning 5% cash-back on either of these cards for Lyft purchases through March 2022. The cards offer plenty of additional ways to earn valuable Ultimate Rewards points without paying an annual fee.

The Freedom Flex card also comes with 5% cash-back quarterly rotating bonus earning categories that could include transit, rideshares, or merchants that sell rideshare gift cards.

The Freedom Unlimited card earns 3% cash-back at drugstores that may sell rideshare gift cards.

Pair either of these cards with premium Chase cards such as the Chase Sapphire Preferred card or Chase Sapphire Reserve card for expanded redemption options and up to 50% more value when points are redeemed for travel via the Chase travel portal. Points can also be transferred from Chase premium cards to travel partners for even greater potential value.

To help you decide which of these cards is right for you, check out our head-to-head comparison of the Freedom Flex card and Freedom Unlimited card.

Wells Fargo Propel American Express®

Earn 3x points per dollar spent on Uber and Lyft purchases. The card also features 3x earnings on travel, at gas stations, restaurant purchases, and on streaming services. You can cash in your points for statement credits or redeem them for travel.

Apple Card

If you have an Apple device and use Apple Pay, you’ll earn 3% back in Apple Cash on purchases with select partner merchants, including Uber and Uber Eats. You’ll also earn 2% back in Apple Cash when using Apple Pay for Lyft rides.

Citi® Double Cash Card

Since the Double Cash card earns 2% cash-back on every purchase — 1% when making the charge and 1% when paying off the charge — it’s a decent choice for Uber and Lyft ride purchases.

Hot Tip: Check for Uber or Lyft gift cards being sold at the bonus category merchants offered on specific cards. Bonus category merchants such as grocery stores, drug stores, gas stations, office supply stores, and others may earn greater rewards than using your card to make purchases direct with Uber or Lyft. 

Best Cards for Uber & Lyft Purchases — Summary

We’ve covered a great deal of data on a long list of cards that offer elevated earnings for Uber and Lyft purchases. Let’s now take a look at all the information combined in 1 spot for an easy card comparison.

Final Thoughts

While you wouldn’t normally select a card based solely on Uber or Lyft earnings and benefits, having the knowledge of which cards offer bonus earnings is useful information that ensures you’ll be maximizing your rewards earning.

If you spend a lot for rideshares on an ongoing basis, of course, earnings and benefits are more of a priority and may influence your choice of cards.

Be sure to add any current cards to your Uber or Lyft account to take advantage of earning rewards when it’s time to book your ride.

The information regarding the American Express® Green Card, Capital One® Venture® Rewards Credit Card, Chase Freedom Unlimited® Card, Chase Freedom Flex℠ Credit Card, Wells Fargo Propel American Express®, and Apple Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.
For rates and fees of the Blue Cash Preferred® from American Express, click here.