Top Credit Cards for Uber and Lyft Users: Maximize Your Rides
Ride-hailing services like Uber and Lyft have transformed how we navigate cities, making it easier than ever to get from point A to point B. However, frequent use of these services can add up quickly, leading many users to seek ways to offset costs. The good news is that several credit cards offer lucrative rewards specifically for ride-hailing expenses. By choosing the right card, you can earn significant benefits on every trip.
Here’s a comprehensive guide to the best credit cards for Uber and Lyft users, detailing their rewards structures and unique perks to help you make an informed choice.
Chase Sapphire Reserve®
– Rewards on Ride-Hailing: Earn 5 points per dollar spent on Lyft purchases through September 30, 2027, and 2 points per dollar on all other travel purchases, including Uber.
– Why It’s Great: The Chase Sapphire Reserve is renowned for its travel benefits, including a $300 annual travel credit that applies to ride-hailing services. This effectively reduces your cost for rides throughout the year. Additionally, the card offers a robust points earning structure, making it a top choice for frequent travelers.
Chase Sapphire Preferred®
– Rewards on Ride-Hailing: Earn 5 points per dollar on Lyft rides through September 30, 2027, and 2 points per dollar on travel expenses, including Uber.
– Why It’s Great: With a lower annual fee than the Reserve, the Sapphire Preferred is ideal for those who want travel rewards without a hefty cost. New cardholders can also benefit from a generous welcome bonus of 75,000 points after meeting a spending requirement, which can translate to significant travel value.
American Express Green Card
– Rewards on Ride-Hailing: Earn 3 points per dollar spent on transit, including Uber and Lyft.
– Why It’s Great: The Amex Green Card offers a competitive points earning rate on transit purchases, including ride-hailing. Membership Rewards points can be redeemed for various travel rewards, making this card a versatile choice for urban commuters.
Chase Freedom Unlimited®
– Rewards on Ride-Hailing: Earn 2% cash back on Lyft rides through September 30, 2027, and 1.5% on all other purchases.
– Why It’s Great: This card is perfect for those who prefer cash back over points. The Freedom Unlimited also allows you to combine your cash back with Ultimate Rewards points from premium Chase cards, giving you more flexibility in how you redeem rewards.
Atmos Rewards Ascent Visa Signature Credit Card
– Rewards on Ride-Hailing: Earn 2 points per dollar spent on ride-hailing services.
– Why It’s Great: The Atmos Rewards card offers high-value points that can be redeemed for travel, making it a solid option for frequent travelers who also use ride-hailing services.
Citi Double Cash® Card
– Rewards on Ride-Hailing: Earn 2% cash back on every purchase, including ride-hailing services.
– Why It’s Great: This card is one of the highest-earning flat-rate cash-back cards available. It’s ideal for users who want a straightforward rewards structure without worrying about bonus categories.
Capital One Venture Rewards Credit Card
– Rewards on Ride-Hailing: Earn 2 miles per dollar spent on all purchases, including Uber and Lyft.
– Why It’s Great: With simple earning potential and flexibility in redemption, the Venture Rewards card is a great choice for those who want to earn travel miles on all spending, including ride-hailing.
American Express Blue Cash Preferred® Card
– Rewards on Ride-Hailing: Earn 3% cash back on transit, including Uber and Lyft.
– Why It’s Great: This card is particularly beneficial for regular riders of public transit and ride-hailing services, offering a strong cash-back rate on all transit expenses.
Apple Card
– Rewards on Ride-Hailing: Earn 3% cash back on Uber and Uber Eats (only when using Apple Pay).
– Why It’s Great: If you’re an Apple enthusiast, this card can be a convenient choice. It offers immediate cash back on purchases and is particularly advantageous for users who frequently order from Uber Eats.
American Express Platinum Card®
– Rewards on Ride-Hailing: Earn 1 point per dollar spent on non-bonus spending, including ride-hailing services, plus access to exclusive benefits.
– Why It’s Great: While the Platinum Card doesn’t offer bonus points for ride-hailing, it provides up to $200 in Uber Cash annually, along with Uber VIP status. This can significantly enhance your ride-hailing experience.
Bilt Mastercard
– Rewards on Ride-Hailing: Earn 5 points per dollar spent on Lyft purchases and 2 points per dollar on all travel purchases, including Uber.
– Why It’s Great: The Bilt Mastercard stands out by allowing users to earn points on rent payments without transaction fees, making it a unique option for those looking to maximize rewards across various spending categories.
Conclusion
Choosing the right credit card can significantly enhance your ride-hailing experience, allowing you to earn rewards and save money on every trip. With options ranging from cash back to travel points, there’s a card tailored to fit your lifestyle and spending habits.
When considering a credit card, evaluate your travel patterns, spending habits, and the benefits that matter most to you. By selecting a card that aligns with your needs, you can transform your everyday ride-hailing expenses into valuable rewards that enhance your travel experiences.
Remember to review each card’s terms and conditions, as well as any promotional offers, to ensure you’re making the most informed decision possible. Happy travels!
