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2021

Best Credit Cards for Uber and Lyft

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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.

How We Picked These Cards Which Card Is Right for You?

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

The information related to Chase Freedom Flex℠, American Express® Green Card, Capital One Spark Miles for Business, and The Blue Business® Plus Credit Card from American Express have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

How We Picked These Cards

  • 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.

Certain picks, like the Apple Card, are better for Uber than Lyft. Others, like the Chase Sapphire Reserve®, are better for Lyft.

Still others, like the U.S. Bank Cash+™ Visa Signature® Card, are equally good for both.

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.

Best Pick For...

Lyft Rides

Chase Sapphire Reserve®

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  • Min. credit levelExcellent
  • Annual Fee$550
  • Regular APR16.99%-23.99% Variable
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 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. Through December 31, 2021, 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
  • With Pay Yourself Back℠, 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 Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Why We Picked It

The Chase Sapphire Reserve® (Review) is an excellent travel card, but it got an upgrade that makes it even better for Lyft riders.

Now you’ll get 10X points per dollar (wow!) on Lyft rides, an incredible deal (through 3/31/22). 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.

Rewards
Spending Rewards
  • 10X Ultimate Rewards points per dollar on Lyft rides (through 3/31/22)
  • 3X Ultimate Rewards points per dollar on:
    • Travel (after the full travel credit is used)
    • Dining
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
  • 60,000 bonus points for spending $4,000 in the first 3 months after account opening
Key Features
  • 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.
  • Shopping and travel protections: Purchase Protection, a Primary Auto Rental Collision Damage Waiver, Trip Delay Reimbursement, and more
  • No foreign transaction fee
  • Annual fee: $550
Runners Up3

Chase Sapphire Preferred® Card

Spending Rewards
  • 5X Ultimate Rewards points per dollar on Lyft rides (through March 2022)
  • 2X Ultimate Rewards points per dollar for:
    • Travel
    • Restaurants
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
  • 100,000 bonus points for spending $4,000 in the first 3 months from account opening
  • Perks: 1:1 point transfer; Primary Auto Rental Collision Damage Waiver; shopping and travel protections
  • No foreign transaction fee
  • Annual fee: $95
View card details

Chase Freedom Flex℠

Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
    • Grocery store purchases (not including Target or Walmart) up to $12,000 spent in the first year
  • 5% cash back in rotating categories, up to $1,500 in spending each quarter, then 1%
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
  • Purchase APR: 0% for 15 months, then 14.99% - 23.74% Variable
  • Balance Transfer APR: 14.99% - 23.74% Variable
  • Annual fee: $0
View card details

Chase Freedom Unlimited®

Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
    • Grocery store purchases (not including Target or Walmart) up to $12,000 spent in the first year
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1.5% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
  • Purchase APR: 0% for 15 months, then 14.99% - 23.74% Variable
  • Balance Transfer APR: 14.99% - 23.74% Variable
  • Annual fee: $0
View card details
Cash Back Rewards

U.S. Bank Cash+™ Visa Signature® Card

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  • Min. credit levelGood
  • Annual Fee$0*
  • Regular APR13.99% - 23.99%* Variable

Rates & Fees

  • Earn up to $550 cash back in the first year.
  • $150 bonus after spending $500 in eligible net purchases within the first 90 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible net purchases ($100 per quarter) on two categories you choose. That adds up to $400 cash back!
  • 2% cash back on your choice of one everyday category, like gas stations or grocery stores.
  • 1% cash back on all other eligible net purchases.
  • No limit on total cash back earned.
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 13.99% – 23.99%
  • No annual fee*
  • Great Offer from U.S. Bank, a 2020 World’s Most Ethical Company® – Ethisphere Institute, February 2020
Why We Picked It

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.

Rewards
Spending Rewards
  • 5% cash back on your choice of two bonus categories (up to $2,000 in combined net purchases per quarter)
  • 2% cash back on your choice of one everyday category:
    • Gas
    • Groceries
    • Restaurants
  • 1% cash back on everything else
Introductory Bonus
  • $150 cash bonus for spending $500 in the first 90 days after account opening
5% Cash Back Categories
Ground Transportation Fast Food Cell Phone Providers
Department Stores Home Utilities Select Clothing Stores
Electronics Stores Sporting Goods Stores Movie Theaters
Gyms/Fitness Centers Furniture Stores TV, Internet & Streaming Services
2% Cash Back Categories
Gas Stations Grocery Stores Restaurants

Ground Transportation includes Uber and Lyft, giving you the best constant cash back rate on rideshare services available on a credit card.

Key Features
  • Free credit score: See your VantageScore 3.0 based on your TransUnion credit report.
  • Visa Signature Concierge: Call for personal assistance with travel bookings, dining reservations, business services, and more.
  • Visa Signature Luxury Hotel Collection: Get perks at select hotels like a $25 food and beverage credit and room upgrades when available.
  • Shopping and travel protections: Purchase Security, Extended Warranty, Auto Rental Collision Damage Waiver, Roadside Dispatch
  • Balance Transfer APR: 0% for 12 billing cycles on Balance Transfers*, then 13.99% - 23.99%* Variable
  • No foreign transaction fee
  • Annual fee: $0*
Runners Up8

Bank of America® Customized Cash Rewards Card

Spending Rewards
  • 3% cash back in one category of your choice:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all other purchases
  • 3% and 2% rewards only up to $2,500 spent per quarter, then 1% cash back
Introductory Bonus
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Purchase and Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Annual fee: $0
View card details

Chase Freedom Flex℠

Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
    • Grocery store purchases (not including Target or Walmart) up to $12,000 spent in the first year
  • 5% cash back in rotating categories, up to $1,500 in spending each quarter, then 1%
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
  • Purchase APR: 0% for 15 months, then 14.99% - 23.74% Variable
  • Annual fee: $0
View card details

Discover it® Cash Back

Spending Rewards
  • 5% cash back in rotating categories (up to $1,500 spent per quarter, then 1%; activation required):
    • January – March: Grocery Stores, Walgreens, CVS
    • April – June: Gas Stations, Wholesale Clubs, Select Streaming Services
    • July – September: Restaurants, PayPal
    • October – December: Amazon.com, Target.com, Walmart.com
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
  • Purchase and Balance Transfer APR: See Terms for See Terms, then See Terms
  • No foreign transaction fee
  • Annual fee: $0
View card details

Chase Freedom Unlimited®

Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
    • Grocery store purchases (not including Target or Walmart) up to $12,000 spent in the first year
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1.5% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
  • Purchase APR: 0% for 15 months, then 14.99% - 23.74% Variable
  • Annual fee: $0
View card details

Citi Custom Cash℠ Card

Spending Rewards
  • 5% cash back in your top spend category each billing cycle (up to $500 spent, then 1%)
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 cash back for spending $750 in the first 3 months
  • Perks: Free FICO credit score; Citi Entertainment; Mastercard ID Theft protection
  • Purchase APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer fee: 5%, $5 minimum
  • Annual fee: $0
View card details

Wells Fargo Active Cash Card

Spending Rewards
  • 2% cash back on all purchases
Introductory Bonus
  • $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Perks: Free FICO Score 9 credit score; Visa Signature Concierge; Luxury Hotel Collection
  • Shopping and travel protections: Cellular Telephone Protection; Roadside Dispatch; Travel and Emergency Assistance Services
  • Purchase APR: 0% for 15 months, then 14.99%, 19.99%, or 24.99% Variable
  • Balance Transfer APR: 0% for 15 months, then 14.99%, 19.99%, or 24.99% Variable
  • Balance Transfer fee: 3% for 120 days from account opening, then up to 5%; min: $5
  • Annual fee: $0
View card details

Citi® Double Cash Card – 18 month BT offer

Spending Rewards
  • 2% cash back for every purchase (must pay at least the minimum due on time):
    • 1% back when you make a purchase
    • 1% back when you pay for that purchase
  • Perks: Citi Concierge; ShopRunner membership; Free credit score
  • Balance Transfer APR: 0% for 18 months on Balance Transfers, then 13.99% – 23.99% (Variable)
  • Annual fee: $0
View card details

PayPal Cashback Mastercard®

Spending Rewards
  • 2% cash back on all purchases
  • Annual fee: $0
View card details
Point Rewards

Chase Sapphire Preferred® Card

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  • Min. credit levelGood
  • Annual Fee$95
  • Regular APR15.99% - 22.99% Variable
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Why We Picked It

There are a handful of point rewards cards with travel as a category, and that typically includes Uber and Lyft.

But the Chase Sapphire Preferred® Card (Review) takes the top spot because it has not only a 2X travel category but also a 5X Lyft category, better than most other cards.

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.

Rewards
Spending Rewards
  • 5X Ultimate Rewards points per dollar on Lyft rides (through March 2022)
  • 2X Ultimate Rewards points per dollar for:
    • Travel
    • Restaurants
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
  • 100,000 bonus points for spending $4,000 in the first 3 months from account opening
Key Features
  • 25% point bonus: When redeeming for travel expenses through Chase Ultimate Rewards
  • Point transfer: Transfer points at a 1:1 rate to leading airline and hotel frequent travel loyalty programs, like Marriott Bonvoy and JetBlue TrueBlue.
  • $60 Peloton credit: Enroll to get up to $60 back for an eligible Peloton Digital or All-Access Membership (through 2021). No fitness equipment is required.
  • DoorDash membership: A free membership (DashPass) for at least a year, which provides free delivery and reduced service fees on orders over $12.
  • 20,000-point referral bonus: Get 20,000 points for every friend you refer who applies for the card and is approved, up to 100,000 bonus points per year.
  • Luxury Hotel and Resort CollectionBook eligible rooms to get perks like daily breakfast for two, complimentary WiFi, room upgrades, early check-in or late checkout, and unique gifts.
  • Shop through Chase/Chase Offers: Earn more points by shopping at participating retailers with the Shop through Chase and Chase Offers shopping portals.
  • Visa Signature Concierge: Call to speak with your Visa Signature Concierge any time, day or night.
  • Primary Auto Rental Collision Damage Waiver: Get primary coverage on eligible rental vehicles so you don’t have to pay for rental insurance and your premiums won’t go up after an accident.
  • No foreign transaction fee
  • Annual fee: $95
Runners Up4

Wells Fargo Propel American Express® card

Spending Rewards
  • 3X points per dollar at:
    • Restaurants
    • Gas stations
    • Travel
    • Eligible streaming services
  • 1X point per dollar on all other purchases
Introductory Bonus
  • 20,000 bonus points for spending $1,000 in the first 3 months
  • Perks: Free FICO credit score, Cell Phone Protection
  • Purchase and Balance Transfer APR: 0% for 12 months from account opening, then 14.49%-24.99% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details

American Express® Green Card

Spending Rewards
  • 3X points per dollar for:
    • Travel
    • Restaurants
  • 1X point per dollar for all other purchases
Introductory Bonus
  • 30,000 bonus points for spending $2,000 in the first 3 months
  • Perks: Up to $100 annual CLEAR credit; Uber Eats pass; Point transfer to airline and hotel partners; Amex Offers; ShopRunner membership
  • Travel protections: Baggage Insurance Plan, Car Rental Loss and Damage Insurance
  • No foreign transaction fee
  • Annual fee: $150

Enrollment required for select benefits; terms and limitations apply.

American Express® Green Card (Rates & Fees)

View card details

Bank of America® Premium Rewards® Credit Card

Spending Rewards
  • 2X points per dollar for:
    • Travel
    • Dining
  • 1.5X points per dollar for all other purchases
Introductory Bonus
  • 50,000 bonus points for spending $3,000 in the first 90 days
  • Perks: $100 annual airline fee credit, Global Entry/TSA PreCheck fee credit, Luxury Hotel Collection, Visa Concierge
  • No foreign transaction fee
  • Annual fee: $95
View card details

Capital One Venture Rewards Credit Card

Spending Rewards
  • 2X miles per dollar on all purchases
Introductory Bonus
  • 60,000 bonus miles for spending $3,000 in the first 3 months
  • Perks: Mile transfer; Global Entry/TSA PreCheck fee credit; Visa Signature only: Luxury Hotel Collection, Visa Concierge, shopping discounts
  • Shopping and travel protections: Lost Luggage Reimbursement, Auto Rental Insurance, Roadside Dispatch, Travel and Emergency Assistance Services, Warranty Manager Service, Purchase Security
  • No foreign transaction fee
  • Annual fee: $95
View card details
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  • Min. credit levelGood
  • Annual Fee$695
  • Regular APRSee Pay Over Time APR

Rates & Fees

  • Earn 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.
  • 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 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.
  • New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now 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 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.
  • $695 annual fee.
  • Terms Apply.
Why We Picked It

We wouldn’t suggest getting The Platinum Card® from American Express (Review) just for its Uber perks, but it’d be a handy card for regular Uber users.

It’s got three Uber-specific features:

  • Up to $200 in annual Uber Cash: Add your Platinum card to the Uber App to get up to $15 in Uber Cash per month, plus a bonus $20 in December; U.S. Eats orders and rides only.
  • Uber VIP status: Add your Platinum card to the Uber App to get Uber VIP status where available.
  • Uber Eats Pass: Get unlimited $0 delivery fees and 5% off orders at eligible restaurants for 12 months; must enroll by 12/31/21. Taxes and service fees may apply and do not count toward the order minimum. Eats Pass will start auto-billing 12 months from enrollment, at then-current monthly rate. Learn more.

This card will be best for consistent Uber users, since the Uber Cash is split up into $15 per month. You can’t rollover Cash from month to month; you’d need to use it all up each month to max it out.

The $200 in Uber Cash is nice, but it really just helps offset the annual fee. There aren’t any special Lyft perks, nor are there any specific rewards for rideshares.

Rewards
Spending Rewards
  • 5X Membership Rewards points per dollar (on up to $500,000 spent per calendar year, then 1X) on:
    • Flights booked directly through airlines or through American Express Travel
    • Prepaid hotels booked through American Express Travel
  • 2X Membership Rewards points per dollar on other eligible travel expenses booked through American Express Travel
  • 1X Membership Rewards point per dollar on all other purchases
Introductory Bonus
  • 100,000 bonus points for spending $6,000 in the first 6 months; 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during the first 6 months
Key Features
  • Global Lounge Collection: Enroll for complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges.
  • Up to $200 in annual Uber Cash: Add your Platinum card to the Uber App to get up to $15 in Uber Cash per month, plus a bonus $20 in December; U.S. Eats orders and rides only.
  • $200 hotel credit: Get up to $200 in statement credits each year for prepaid hotels booked through The Hotel Collection and Fine Hotels & Resorts; must pay with the Platinum card.
  • $300 Equinox credit: Pay with your Platinum card to get up to $300 in statement credits annually with Equinox (up to $25 per month), for Equinox All Access, Destination, E by Equinox, or Equinox+ membership fees.
  • $240 digital entertainment credit: Pay with your Platinum card to get up to $240 in statement credits annually for digital entertainment (up to $20 per month), only for eligible purchases from Peacock, Audible, SiriusXM, and The New York Times.
  • CLEAR credit: Up to $179 in statement credits annually for CLEAR biometric security, enough for a membership.
  • Uber Eats Pass: Get unlimited $0 delivery fees and 5% off orders at eligible restaurants for 12 months; must enroll by 12/31/21. Taxes and service fees may apply and do not count toward the order minimum. Eats Pass will start auto-billing 12 months from enrollment, at then-current monthly rate. Learn more.
  • Uber VIP status: Add your Platinum card to the Uber App to get Uber VIP status where available.
  • Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 every four years) or TSA PreCheck ($85 once every four and a half years)
  • Complimentary elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
  • The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
  • Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, amenities valued at $100, and more at eligible properties
  • $100 annual Saks credit: Up to $100 in statement credits each year for Saks Fifth Avenue: $50 from January through June, and $50 from July through December
  • Global Dining Access by Resy: Resy provides access to exclusive reservations and dining experiences.
  • Point transfer: To a selection of airline and hotel loyalty programs
  • Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
  • No foreign transaction fee
  • Annual fee: $695

Enrollment required for select benefits; terms and limitations apply.

The Platinum Card® from American Express (Rates & Fees)

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American Express® Gold Card

Spending Rewards
  • 4X Membership Rewards points per dollar at:
    • Restaurants
    • U.S. Supermarkets (up to $25,000 per calendar year in purchases, then 1X)
  • 3X Membership Rewards points per dollar on:
    • Flights booked directly with airlines
    • Flights booked through amextravel.com
  • 1X Membership Rewards point per dollar for every other purchase
Introductory Bonus
  • 60,000 bonus points for spending $4,000 in the first 6 months
  • Perks: Up to $120 annual dining credit; Up to $120 in annual Uber Cash; Uber Eats Pass; The Hotel Collection; Amex Offers; ShopRunner membership; Point transfer
  • No foreign transaction fee
  • Annual fee: $250

Enrollment required for select benefits; terms and limitations apply.

American Express® Gold Card (Rates & Fees)

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American Express® Green Card

Spending Rewards
  • 3X points per dollar for:
    • Travel
    • Restaurants
  • 1X point per dollar for all other purchases
Introductory Bonus
  • 30,000 bonus points for spending $2,000 in the first 3 months
  • Perks: Up to $100 annual CLEAR credit; Uber Eats pass; Point transfer to airline and hotel partners; Amex Offers; ShopRunner membership
  • Travel protections: Baggage Insurance Plan, Car Rental Loss and Damage Insurance
  • No foreign transaction fee
  • Annual fee: $150

Enrollment required for select benefits; terms and limitations apply.

American Express® Green Card (Rates & Fees)

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iPhone Users

Apple Card

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  • Min. credit levelFair
  • Annual Fee$0
  • Regular APR12.74% — 23.74% Variable
  • 3% cash back at Apple, iTunes, and the App Store
  • 3% cash back with Uber/Uber Eats when paying with Apple Pay
  • 2% cash back every time you use Apple Pay
  • No annual fee
  • Managed through the iPhone Wallet app
Why We Picked It

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.

Rewards
Spending Rewards
  • 3% cash back at:
    • Apple in store or online
    • iTunes
    • App Store
    • Uber/Uber Eats (when using Apple Pay)
  • 2% cash back every time you use Apple Pay
  • 1% cash back on everything else
Key Features
  • ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating merchants.
  • Purchase APR: 12.74% — 23.74% Variable
  • Annual fee: $0
  • No other fees, including foreign transaction or late payment fees
Business Credit Cards

Ink Business Preferred® Credit Card

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  • Min. credit levelExcellent
  • Annual Fee$95
  • Regular APR15.99%-20.99% Variable
  • 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.
  • $95 Annual Fee
Why We Picked It

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.

Rewards
Spending Rewards
  • 5X Ultimate Rewards points per dollar on Lyft rides (through March 2022)
  • 3X Ultimate Rewards points per dollar on the first $150,000 spent per year on:
    • Travel
    • Shipping
    • Internet, cable, and phone services
    • Advertising purchases made with social media sites and search engines
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
  • 100,000 bonus points for spending $15,000 in the first 3 months after account opening
Key Features
  • 25% point bonus when you redeem through Chase Ultimate Rewards for travel expenses
  • Point transfer: At a 1:1 rate to a variety of frequent traveler programs, including partners like JetBlue, United, Marriott Bonvoy, and World of Hyatt
  • Earn 20,000 bonus points for referrals (up to 100,000 points per year)
  • Shop through Chase: A selection of retailers where you can earn extra points.
  • Visa Signature Business benefits: Including Purchase Protection, Cell Phone Protection, Primary Auto Rental Coverage, and Roadside Dispatch
  • Employee cards: Get up to 70 employee cards, all for free.
  • No foreign transaction fee
  • Annual fee: $95
Runners Up6

Ink Business Unlimited® Credit Card

Spending Rewards
  • 5% cash back on Lyft rides (through March 2022)
  • 1.5% cash back for every other purchase
Introductory Bonus
  • $750 cash bonus for spending $7,500 in the first 3 months after account opening
  • Purchase APR: 0% for 12 months, then 13.24% - 19.24% Variable
  • Annual fee: $0
View card details

Capital One Spark Miles for Business

Spending Rewards
  • 5X miles per dollar for:
    • Hotels booked through Capital One Travel
    • Rental cars booked through Capital One Travel
  • 2X miles per dollar for every other purchase
Introductory Bonus
  • 50,000 bonus miles for spending $4,500 in the first 3 months
  • Perks: Point transfer; Global Entry/TSA PreCheck fee credit; shopping and travel protections
  • No foreign transaction fee
  • Annual fee: $0 intro for first year; $95 after that
View card details

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

Spending Rewards
  • 3% cash back in one category of your choice each month:
    • Gas
    • Travel
    • Office supply stores
    • TV/telecom & wireless services
    • Computer services
    • Business consulting services
  • 2% cash back on Dining
  • 1% cash back on all other purchases
  • 3% and 2% rewards only up to $50,000 per year, then 1% back
  • Eligible Bank of America members can get a 25%–75% bonus on rewards
Introductory Bonus
  • $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
  • Purchase APR: 0% for 9 billing cycles, then 12.24% - 22.24% Variable APR
  • Annual fee: $0.00
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The Blue Business® Plus Credit Card from American Express

Spending Rewards
  • 2X Membership Rewards points per dollar spent on the first $50,000 in purchases each year
  • 1X Membership Rewards point per dollar spent on all other purchases
Introductory Bonus
  • 15,000 bonus points for spending $3,000 in the first 3 months
  • Perks: Amex Offers; Point transfer; Connect to QuickBooks
  • Connect to QuickBooks: Enroll to automatically tag your card transactions with your QuickBooks categories.
  • Shopping and travel protections: Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Global Assist Hotline
  • Purchase APR: 0% for 12 months from date of account opening, then 13.24% - 19.24% Variable
  • Annual fee: No annual fee

Enrollment required for select benefits; terms and limitations apply.

The Blue Business® Plus Credit Card from American Express (Rates & Fees)

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Brex Daily Card

This option from Brex offers great rewards for rideshare services, but take note sole proprietors and typical consumers are not eligible.

  • Tech Rewards option includes:
    • 8X points per dollar on:
      • Rideshares
      • Taxis
  • Perks: Thousands of dollars in statement credits, plus discounts and more, for services like Amazon Web Services, WeWork, Google Ads, SendGrid, and Twilio (explained here)
  • Expense management and receipt reconciliation tools
  • Point transfer: At a 1:1 rate to select airline loyalty programs
  • No foreign transaction fee
  • Annual fee: $0
  • Employee card fee: First 4 for free; $5 per month after that
  • Not available to sole proprietors, unregistered businesses, and other non-individual liability companies
View card details

Brex 30 Card

  • Tech Rewards option includes:
    • 7X or 8X points per dollar on:
      • Rideshares
      • Taxis
  • Perks: Thousands of dollars in credits and discounts, like $5,000 in AWS credits, $150 in Google Ads credits, 50% discount on Dropbox plans, and a 20% Zoom subscription discount
  • Point transfer: At a 1:1 rate to select airline loyalty programs
  • Expense management and receipt reconciliation tools
  • Annual fee: $0
  • Employee card fee: First 4 for free; $5 per month after that
  • Not available to sole proprietors, unregistered businesses, and other non-individual liability companies
  • $50,000 minimum bank account balance required for venture-backed companies; $100,000 otherwise
View card details

Frequently Asked Questions

What’s the best credit card for Uber?

The Uber Credit Card (Review) used to be a top contender here, but it’s now discontinued for new applicants. There are still quite a few great cards for booking Uber rides:

What’s the best credit card for Lyft?

Lyft riders should first look to Chase credit cards for their excellent Lyft rewards and perks, although there are other good cards too:

What Lyft benefits come with Chase credit cards?

Chase and Lyft are working together to provide some stellar perks on a nice selection of Chase credit cards.

All of the cards in Chase’s Ultimate Rewards card family gained a new Lyft bonus category — the high-end cards, the Chase Sapphire Reserve® (Review) and J.P. Morgan Reserve Card (Review), actually earn 10X points!

On top of the points, those two cards also come with a free year of Lyft Pink, which gives you 15% off every ride, relaxed cancellation fees, special member offers, and more.

Cards with lower annual fees now earn 5X points or 5% cash back, such as the Chase Sapphire Preferred® Card (Review) and Chase Freedom Flex℠ (Review). Those cards don’t come with the Lyft Pink membership.

For rates and fees of the American Express® Gold Card, please click here.

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.

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