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Ever wish you could get more Uber and Lyft discounts? If you use a rideshare service to get around, a credit card that earns points or cash back can help lighten the load on your wallet.
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Competitive rewards for Uber and Lyft: You’ll find cards with the highest rewards for rideshare services, some offering points and others providing cash back. Some even come with a valuable signup bonus
Extra rideshare perks: Most card issuers don’t offer any specific rideshare benefits (the Chase Sapphire Reserve® Lyft Pink membership is an exception). But we may see more perks like these in the future.
Mastercard World Elite Lyft credit: Mastercard World Elite cardholders will earn a $10 Lyft credit for each month that they take five or more rides (when paying with the card). But most of the best travel reward cards are Visas, however.
Other useful features: For the most part, the cards below are valuable beyond just Uber and Lyft purchases. You can use them to help fuel your travel adventures, earn rewards on everyday purchases like gas and food, or manage your business spending.
Reasonable annual fee: You should always be able to justify a card’s annual fee. Don’t get a new card, just for rideshare services, if it doesn’t otherwise fit into your lifestyle.
Which Card Is Right for You?
Many travel cards offer rewards for Uber and Lyft rides as part of their Travel bonus categories. Some have no annual fees, and some have fees that can be a bit intimidating.
If you want a simple option for cash back, you’ll find it below. If you want to get into point rewards, transfers to airlines and hotels, and the extra value that premium cards can offer, you’ll find all that too. Or, if you own a small business, you’ll find some cards that should work great.
Take note that some cards may only offer rewards for Uber/Lyft rides, while other cards may also earn rewards for other purchases from these companies, like gift cards. Uber Eats will typically be included along with Uber. Check with your card issuer if you’re not sure what will count.
If you’re able to earn rewards for gift cards, or when loading credit onto your Uber/Lyft account, this presents a nice opportunity to maximize your cash back with rotating category cards, like the Discover it® Cash Back and Chase Freedom Flex℠. During the Lyft/Uber quarter, while you’ll earn 5% back, you could buy gift cards to use throughout the year. Then, when the categories change, you won’t be stuck earning just 1% back.
Now you’ll get 10X points per dollar (wow!) on Lyft rides, an incredible deal. If you redeem those points for travel through Chase Ultimate Rewards, for a 50% bonus, you’d be getting a 15% return on your spending, pretty impressive.
But if you transfer those points to an airline or hotel partner you could get even more, as much as 2 cents per point or more. That’d be a 20% return on Lyft rides! (The other Chase Ultimate Rewards cards earn 5% or 5X points on Lyft, too.)
Not only that, Sapphire Reserve cardholders get a free year of Lyft Pink, which comes with:
15% off all rides
Relaxed cancellation fees
Priority airport pickup
Waived lost and found fees
Three free 30-minute bike or scooter rides per month
Special member offers
Uber rides will earn 3X points as part of the travel category, which isn’t too bad. At the point rates mentioned above you’d be earning a 4.5% or 6% return on your spending.
Lyft Pink membership: One free year of Lyft Pink, which includes 15% off rides, relaxed cancellations, surprise offers, and priority airport pickup
Point transfer: Transfer your points at a 1:1 rate to a variety of airline and hotel loyalty programs, like United, JetBlue, and Marriott Bonvoy.
$120 Peloton credit: Enroll to get up to $120 back for an eligible Peloton Digital or All-Access Membership (through 2021). No fitness equipment is required.
$300 annual travel credit: A $300 travel credit every year that will be automatically applied toward a broad range of travel-related expenses charged to the card
Priority Pass Select membership: Enjoy access to over 1,000 airport lounges worldwide plus a selection of restaurants. The cardholder and two guests can enter for free; additional guests cost $27 each.
Global Entry or TSA PreCheck application fee credit: Get a statement credit to offset the cost of applying for Global Entry ($100) or TSA PreCheck($85), once every four years.
Elite hotel benefits at Relais & Châteaux: Accelerated progress towards Club 5C member status with Relais & Châteaux luxury hotel and resort properties
Visa Infinite Concierge: Call for non-emergency help of all kinds, like making dinner reservations or finding good tickets to a show.
Special car rental privileges: Rental upgrades, discounts, and promotional offers at Avis, Silvercar, and National Car Rental
DoorDash membership: A free membership (DashPass) for a year, which provides free delivery for orders of $15 or more
$60 annual DoorDash credit: Get $60 in DoorDash credits in 2020, and $60 in credits in 2021.
The U.S. Bank Cash+™ Visa Signature® Card (Review) is one of the most flexible and rewarding cards on the market. Rather than being locked in to certain bonus categories, you have the freedom to choose two 5% cash back categories and one 2% “everyday” category each quarter.
There’s a surprising variety of categories to choose from, and Ground Transportation conveniently includes Uber and Lyft. Other eligible purchases in this category include train and taxi services.
If you keep one of your 5% choices on Ground Transportation you’ll still be able to choose from some useful other options, like Cell Phone Providers and Home Utilities. And the 2% categories will definitely come in handy, for purchases like gas and groceries.
If you find a solid transfer deal with those points you could get 2 cents per point or more, giving you a minimum 10% return on your Lyft spending and 4% for travel.
If you don’t want to transfer points you can also get a 25% bonus by redeeming for travel through Chase Ultimate Rewards, for a 6.25% return. But if you really want to maximize your value, wait for a good point transfer opportunity.
If you make a lot of Apple Wallet purchases you probably already know about the Apple Card, a cash back rewards card made for people like you.
It’s good for Apple purchases, at 3% back, though the real value comes from the 2% Apple Wallet category. That’s a solid flat-rate reward if you can pay with a mobile wallet.
But the reason this card makes an appearance here is that you’ll also get 3% back on Uber when you pay with Apple Pay, which is pretty competitive. You’ll only get 2% back on Lyft (when paying through Apple Pay), but that’s not too bad for a card with no annual fee.
The Ink Business Preferred® Credit Card (Review) was already one of the most valuable business credit cards for travel, with a solid 3X points per dollar. But Chase bumped up the reward for Lyft rides to 5X — a nice feature for anyone who already had the card, though probably not a reason to apply all on its own.
With the 25% point bonus you get for redeeming through Chase Ultimate Rewards, you’d be earning a 7.5% cash back equivalent, which is not bad at all. But if you transfer those points to an airline or hotel partner you could do even better, like upwards of 2 cents per point. That translates to a 10% return on your Lyft ride spending, or more, and if you use the service a lot that’s not chump change.