August 11, 2022

Best Credit Cards for Uber and Lyft Rides of 2022: Earn up to 10x

With the growing popularity of rideshare services around the world, including Uber and Lyft, more…

Best Credit Cards for Uber and Lyft Rides of 2022: Earn up to 10x

With the growing popularity of rideshare services around the world, including Uber and Lyft, more travelers are looking for ways to maximize their credit card rewards on transit purchases.

Luckily, many of the top travel rewards cards feature earning bonuses not just for rideshare services, but also in broader travel categories that include rideshares. That means consumers can expect to earn multiple points per dollar or several percentage points in cash back on rideshare purchases if they use the right card.

When choosing the right rewards credit card for your needs, you should also take into account other, more significant factors, such as a high sign-up bonus, a reasonable annual fee, and lucrative everyday earning opportunities.

With that in mind, here are six of the


best credit cards

for rideshares and their other benefits.


Regular APR


See Pay Over Time APR


Recommended Credit Score


Good to Excellent


Regular APR


See Pay Over Time APR


Recommended Credit Score


Good to Excellent

Pros

  • Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
  • Annual statement credits with Saks and Uber

Cons

  • Bonus categories leave something to be desired
  • One of the highest annual fees among premium travel cards

Read Our Review
Read Our Review A looong arrow, pointing right

More Information

  • Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • 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 and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select 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 is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 annual fee.
  • Terms Apply.

Why use it for rideshares: Although it does not earn bonus points on rideshares, the Platinum Card does offer cardmembers up to $200 per year in Uber Cash credits**. You’ll receive $15 in Uber Cash each month, except for December, when you get $35.

Welcome bonus: Earn 100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership.

Annual fee: $695 (See Rates)

Other benefits: Though the annual fee is high, this premium rewards card is packed with perks, such as:

Read more: American Express Platinum Card review


Regular APR


See Pay Over Time APR


Recommended Credit Score


Good to Excellent


Regular APR


See Pay Over Time APR


Recommended Credit Score


Good to Excellent

More Information

  • Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
  • Earn 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, plus takeout and delivery in the U.S., 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.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

Why use it for rideshares: This card offers monthly Uber Cash similar to the Amex Platinum — but for a dramatically lower annual fee. You’ll receive $10 in Uber Cash each month** (up to $120 per calendar year, and the Gold Card needs to be added to the Uber app to receive the Uber Cash benefit).

The card doesn’t earn bonus points for rideshares — you’ll get just 1 point per dollar. Insider estimates Amex points value to be 1.8 cents each, so you’ll still get an effective 1.8% return for your transit expense.

Welcome bonus: You’ll earn 60,000 points after you spend at least $4,000 in your first 6 months of account opening.

Annual fee: $250 (See Rates)

Other benefits: This card comes with a handful of other valuable perks that justify its annual fee, such as:

  • Up to $10 in dining credits each month** (up to $120 per year) for spending with Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations
  • The Hotel Collection (property credits and upgrades)
  • Solid travel insurance
  • Purchase protection
  • Discounts and bonuses through Amex Offers**

Read more: Amex Gold Card review


Regular APR


16.99%-23.99% Variable


Recommended Credit Score


Excellent


Regular APR


16.99%-23.99% Variable


Recommended Credit Score


Excellent

More Information

  • 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.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 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, 50,000 points are worth $750 toward travel
  • With Pay Yourself BackSM, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Why use it for rideshares: The Chase Sapphire Reserve® is an all-round top earner thanks to the fact that it racks up 3 points per dollar on dining and travel, including rideshare services like Uber. But it’s even better for Lyft: Through March 2025, the card earns 10 points per dollar on Lyft rides — equal to a 18% return on your spending, per Insider’s valuations of Chase Ultimate Rewards points.

Plus, the card offers up to $300 in statement credits toward travel purchases each year (including rideshares). 

Welcome bonus: You’ll earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Annual fee: $550

Other benefits: The points you earn with this card are transferable to several airline and hotel partners, such as Hyatt, United Airlines, Southwest, and many more. They are also worth 1.5 cents apiece when redeemed for travel directly through the Ultimate Rewards portal.

You’ll also receive benefits such as:

Read more: Chase Sapphire Reserve review


Regular APR


15.99%–20.99% variable APR


Recommended Credit Score


Good to Excellent


Regular APR


15.99%–20.99% variable APR


Recommended Credit Score


Good to Excellent

More Information

  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Why use it for rideshares: Like the Chase Sapphire Reserve®, this card earns 3 points per dollar on travel purchases, including rideshares. But through March 2025, you’ll earn 5 points per dollar on Lyft rides. Because Insider values Chase points at 1.8 cents each, this equates to a 9% return for your spending.

Welcome bonus: You’ll earn 100,000 points after spending $15,000 on purchases in the first 3 months from account opening.

Annual fee: $95

Other benefits: This is one of the best small-business cards on the market thanks to perks such as:

Read more: Ink Business Preferred credit card review


Regular APR


14.24% – 24.24% Variable


Recommended Credit Score


Good to Excellent


Regular APR


14.24% – 24.24% Variable


Recommended Credit Score


Good to Excellent

Pros

  • Generous cash-back earning and welcome bonus for a no-annual-fee card
  • Ability to choose the best 5% and 2% cash-back categories for you
  • Introductory 0% APR offer on purchases and balance transfers

Cons

  • 5% cash-back category is capped at $2,000 in purchases per quarter
  • Foreign transaction fees

More Information

  • New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center.
  • 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants.
  • 1% cash back on all other eligible purchases.
  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 14.24% – 24.24%.
  • No Annual Fee.
  • Terms and conditions apply.


Intro APR


0% intro APR on purchases and balance transfers for the first 15 billing cycles

Why use it for rideshares: U.S. Bank Cash+™ Visa Signature® Card cardholders can opt to earn 5% cash back on their first $2,000 in purchases in two categories of choice each quarter, including ground transportation like rideshares.

Welcome bonus: You’ll receive a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

Annual fee: $0

Other benefits: The 5% categories other than ground transportation include things like cell phone providers, department stores, electronics stores, movie theaters, gyms, furniture stores, fast food restaurants, and TV, internet and


streaming

services.

This card also offers 2% back on gas, restaurants, or grocery stores with no spending caps. All other purchases earn 1% back that can be redeemed either as statement credits or as deposits into your U.S. Bank account.

Read more: U.S. Bank Cash Plus card review


Regular APR


15.99%-22.99% Variable


Recommended Credit Score


Good to Excellent


Regular APR


15.99%-22.99% Variable


Recommended Credit Score


Good to Excellent

More Information

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.

Why use it for rideshares: Like the Chase Sapphire Reserve® and Ink Business Preferred® Credit Card, the Chase Sapphire Preferred® Card’s bonus travel category is quite broad and includes rideshares so that cardholders can earn 2x points per dollar on purchases with services like Uber and Lyft. Through March 2025, you’ll earn 5 points per dollar for Lyft purchases.

Welcome bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Annual fee: $95

Other benefits: The card also offers:

Read more: Chase Sapphire Preferred Credit Card review

World and World Elite Mastercards offer Lyft credits

Mastercard World and World Elite credit cards provide a $5 Lyft credit each calendar month. The only requirement is that you take at least three Lyft rides per month.

Examples of cards that qualify for this benefit are:

The ability to earn up to $60 per year from a World Elite Mastercard is pretty great — especially considering some of them don’t incur an annual fee.

Read more: Everything you need to know about Mastercard World Elite benefits

Credit cards for Uber and Lyft — Frequently Asked Questions (FAQ)

What is the best credit card for rideshare expenses?

The best credit card for rideshare expenses isn’t necessarily the best credit card for you.

In terms of money-saving potential, the Amex Platinum will give you the biggest discount on your rides with its monthly Uber Cash credit worth up to $15 per month (and $35 in December). That’s a potential $200 in free rides each year.

However, the card comes with a lofty $695 annual fee (See Rates). If you’re not going to use the card’s other benefits (including $1,000+ in annual credits), consider instead a card like the the U.S. Bank Cash+™ Visa Signature® Card, a $0-annual-fee card which has the potential to earn 5% cash back on rideshare services like Uber and Lyft.

Do Uber and Lyft have credit cards?

Uber and Lyft do not have proprietary credit cards. Uber briefly issued a credit card with Barclays, but it has since been discontinued.

Are the best cards for rideshare expenses also the best cards for food delivery?

If you order food delivery through Uber with any regularity, you’ll find that credit cards with Uber-specific credits and spending bonuses are also the best credit cards to use for your dining habits. If you order directly from the restaurant, however, be sure to read our guide to the best credit cards for dining and restaurant takeout.

Do rideshares count as travel for credit cards?

Each bank has its own persnickety algorithm for coding the purchases you make with your credit card. Most often, however, you’ll find that purchases through popular services like Uber and Lyft do qualify as travel.