What is the best credit card to use on Uber?

The best credit card for your Uber purchases depends on what you hope to optimize for, and whether you prefer to earn flexible rewards or cash-back. For instance, a credit card like the Amex Platinum can be great for Uber rides because it offers a complimentary Uber One membership, along with up to $200 in annual Uber Cash. Still, it also only earns 1x points on your rides. Alternatively, the Citi Custom Cash card doesn’t come with any Uber-related perks, but it earns 5% back on up to $500 per month on your chosen purchase category, which includes transit and Uber.

Which credit cards offer a free Uber One membership?

Multiple credit cards offer some credit toward an Uber One membership. The best is the Amex Platinum card, which comes with a complimentary Uber One membership annually. As long as you keep the card open, you never need to pay for Uber One. Other good options include the Delta Reserve card, the Delta Reserve Business card, the Delta Platinum card, and the Delta Platinum Business card. These cards include up to a year of statement credits toward Uber One, but after that year, you need to pay for the service as usual.

What credit cards does Uber accept?

Uber accepts all major credit cards, including American Express, Mastercard, and Visa, as well as digital wallet payment systems such as Apple Pay and PayPal.

Does Uber have a credit card?

Uber previously offered a co-branded credit card, but it was discontinued in 2021.

Does the Capital One Savor Cash Rewards Credit Card earn 10% on Uber?

Previously, the Capital One Savor card* earned 10% back on Uber and Uber Eats purchases and offered a complimentary Uber One membership, which made it arguably the best credit card for Uber purchases. However, both of those benefits have now been removed from the Capital One Savor card.

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The Ultimate Guide to Maximizing Your Uber Rides [2025]

Updated: October 28, 2025, 1:59am CDT

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Table of Contents

Key Takeaways
Receive Complimentary Uber One Credits
Use a Credit Card With Uber or Ride-Sharing Statement Credits
Use a Credit Card With Ride-Sharing as a Bonus Category
Earn Partner Rewards With Marriott or Delta
Final Thoughts

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Key Takeaways

The Chase Sapphire Preferred^® Card offers bonus points spent on travel, which includes ride-sharing purchases.
The Chase Sapphire Reserve^® offers a $300 travel credit, and the Platinum Card^® from American Express offers up to $200 in Uber Cash and up to $120 in Uber One credits.
Uber One is a $9.99 monthly membership offering 6% back in Uber One credit on rides, up to 10% off eligible Uber Eats orders, and free delivery on Uber Eats.

Uber is a popular ride-sharing service, and you should maximize your rides with Uber if you’re a regular user.

This guide shares tips and tricks for saving money and earning more points on Uber rides. It also explains how to receive a complimentary Uber One membership, use credit cards that offer Uber statement credits or bonus categories for ride-sharing purchases, and more.

Receive Complimentary Uber One Credits

Uber One, formerly Uber Eats Pass, is a monthly membership program that can be used for Uber and Uber Eats. For $9.99 a month, Uber One members get benefits including a 6% back in Uber One credits on Uber rides, no additional delivery fees on eligible Uber Eats and grocery orders, and 10% off eligible delivery and pickup Uber Eats orders, along with exclusive offers only for Uber One members.

If you’re a frequent Uber user, an Uber One membership may make sense, and there are ways to save money on your membership. A handful of American Express credit cards help cover an Uber One membership as a perk of being a cardmember.

Uber Ride Share App Upgraded Points LLC 2 — Uber credits can help out. Image Credit: Upgraded Points LLC

The best Uber One credit is from the Amex Platinum card, which offers up to $120 in Uber One statement credits annually, fully covering the $9.99 monthly price of Uber One. As long as you hold the Amex Platinum card, you get your Uber One membership covered each month.

The following cards provide up to $120 in Uber One statement credits total for up to 12 consecutive months. After you’ve exhausted the $120 credit, you’ll pay $9.99 per month:

Meanwhile, the Delta SkyMiles^® Gold American Express Card and the Delta SkyMiles^® Gold Business American Express Card allow you to receive up to 6 months of Uber One membership statement credits.

In addition to credit cards that help you cover all or part of an annual Uber One membership, numerous credit cards offer monthly Uber Cash or ride-sharing credits that you can use to save some on your Uber rides each month.

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Card	Annual Uber or Ride-Sharing Statement Credits
Platinum Card^® from American Express	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, from January through November, you receive $15, and in December, you receive $35.
American Express^® Gold Card	Up to $10 in Uber Cash credited each month to your Uber account for U.S. Uber Eats orders or U.S. Uber rides, totaling up to $120 per year.
Delta SkyMiles^® Platinum American Express Card	Up to $10 back in statement credits each month upon enrollment (up to $120 back annually) on U.S. ride-sharing purchases
Delta SkyMiles^® Reserve American Express Card	Up to $10 back in statement credits each month upon enrollment (up to $120 back annually) on U.S. ride-sharing purchases
The New United℠ Explorer Card	Up to $5 back as a statement credit on ride-sharing purchases each month, for a total of up to $60 each year.
The New United Quest℠ Card	Up to $8 statement credit monthly between January and November, and an up to $12 statement credit in December, for a total of up to $100 in ride-sharing statement credits each year.
The New United Club℠ Card	Up to $12 back each month as a statement credit on these rides between January and November, and an additional up to $18 back in December, for a total of up to $150 in statement credits annually on your ride-sharing purchases.
Delta SkyMiles^® Platinum Business American Express Card	Up to $10 back in statement credits each month upon enrollment on U.S. ride-sharing purchases, for a total of up to $120 back in statement credits per year.
Delta SkyMiles^® Reserve Business American Express Card	Up to $10 back in statement credits each month upon enrollment on U.S. ride-sharing purchases, for a total of up to $120 back in statement credits per year.
The New United℠ Business Card	Up to $8 per month in statement credits on these rides between January and November, with an additional up to $12 in statement credits in December, for a total of up to $100 in statement credits on ride-sharing purchases annually.
The New United Club℠ Business Card	Up to $12 back each month as a statement credit between January and November, plus an additional up to $18 back in December, for a total of up to $150 in statement credits annually on your ride-sharing purchases.

You could also use a credit card that offers ride-sharing purchases as a bonus category, as plenty of excellent options do so.

These credit cards offer 3x points or miles, 3% cash-back, or more, which are standout rates that offer more value than you could get by simply using a 2% cash-back or 2x back on all purchases credit card.

Here are the top contenders for personal credit cards that earn well on ride-sharing services:

American Express^® Green Card: 3x points on transit purchases, including trains, taxicabs, ride-sharing services, ferries, tolls, parking, buses, and subways
Blue Cash Preferred^® Card from American Express: 3% back on transit, including taxis, ride-sharing, parking, tolls, trains, buses, and more
Apple Card: 3% back on Uber and Uber Eats purchases when you use Apple Pay
Wells Fargo Autograph℠ Card: 3x points on transit purchases (including ride-sharing)
U.S. Bank Cash+^® Visa Signature^® Card: 5% back on your first $2,000 in combined eligible purchases each quarter on two categories you choose, like ground transportation (includes Uber rides)
Citi Custom Cash^® Card: 5% back (on up to $500 each billing cycle) from your selected purchase category for the month, which includes select transit and ride-sharing purchases

Business owners looking to maximize their points or cash-back on Uber purchases should consider one of these cards:

Ink Business Preferred^® Credit Card: 3 points per $1 on the first $150,000 spent in combined purchases on travel (including ride-sharing purchases), shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.
American Express^® Business Gold Card: 4x points on your 2 highest purchase categories each month, up to $150,000 each calendar year in purchases; categories include transit purchases like ride-sharing services.

Earn Partner Rewards With Marriott or Delta

As a bonus to whatever earnings you’d get through your credit card, you can double-dip and earn Marriott Bonvoy points or Delta SkyMiles when you link your Marriott or Delta account to your Uber account.

You have to choose one account or the other, as you can’t link both accounts simultaneously.

If you pick Marriott, you earn:

3x points on premium rides, including qualifying Uber XL, Comfort, Black, and SUV rides
2x points on UberX Reserve rides when you book ahead
1x points on Uber Eats orders and grocery orders over $40
2x points on Uber Eats orders and grocery orders over $40 to Residence Inn, TownPlace Suites, or Element hotels

Marriott Uber Partnership — Pickup to savings, at least. Image Credit: Marriott

If you also have an Uber One membership, you can receive complimentary Marriott Bonvoy Silver Elite status, with perks like 10% bonus points and late checkout (if available).

Link your Uber account to Delta, and you’ll earn:

3x miles on Uber Reserve rides when you schedule your ride in advance
2x miles on premium rides, including qualifying Uber XL, Comfort, Black, and SUV rides
1x miles on airport rides with UberX
1x miles on Uber Eats restaurant and grocery orders over $40

The rewards you earn from each partnership are similar, so you can choose whichever suits your travel habits best. If you’re a Delta elite, you might prefer earning more Delta miles on your rides, while those who frequently stay at Marriotts should opt for that partnership.

You can switch your partnership earnings anytime if your travel habits and preferences change, so you’re not locked into one program or the other. You can make your partner selection in the Uber app.

Final Thoughts

If you use Uber often, you should maximize each of these purchases as much as you can. Some of the best ways to do that are to hold a credit card that offers Uber One, offer ride-sharing statement credits or ride-sharing as a bonus rewards category, and participate in a partner rewards program to earn even more points and miles on each of your rides.

Key Takeaways

Receive Complimentary Uber One Credits

Use a Credit Card With Uber or Ride-Sharing Statement Credits

Use a Credit Card With Ride-Sharing as a Bonus Category

Earn Partner Rewards With Marriott or Delta

Final Thoughts