Review: Uber Credit Card – The Best Credit Card for Uber Rides?
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The Uber Credit Card has been discontinued for new applicants.
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The Uber Credit Card used to be a dining/travel powerhouse, back when it was named the Uber Visa Card. But those days are gone.
In a rather disappointing update, Barclays recently switched up the card features to reduce the dining rewards and limit redemptions to specific Uber purchases. It’s still a good card for certain people, but has lost the broad appeal that once made it so attractive.
But if you’re a big fan of Uber, keep reading because this card will give you 5% back in Uber Cash for every ride (and Uber Eats order), and it will be hard to beat that. The other bonus categories aren’t worth writing off, either.
You’ll still pay no annual fee, and there are no foreign transaction fees.
You don’t have to be an Uber driver to get this card. If you are an Uber driver, there’s a special debit card you can use that has different cash back categories: the Uber Visa Debit Card.
Our Rating: 3 Out of 5 Stars
We give the Uber Credit Card 3 out of 5 Stars because although it earns Uber Cash at good rates in a variety of categories, Uber Cash can only be redeemed for certain Uber purchases. If you won’t use Uber somewhat regularly to cash in those rewards, you could find a travel card that would suit you better.
Why We Like It
- Excellent reward rate (5%) for Uber rides, Uber Eats, and JUMP bike and scooter rentals
- Competitive reward rate (3%) for dining, airfare, and hotels
- Cell phone protection
- No annual fee
- No foreign transaction fee
Why It Could Be Better
- You earn Uber Cash, and Uber Cash can only be redeemed for Uber purchases
- Uber is the only rideshare service included
- No redemption bonus for Uber expenses
- No Uber-specific perks
Insider Advice: Getting the Most Out of Your Card
- Paying for Uber rides: Charge Uber rides to your card to earn 5% back, an excellent rate that you probably won’t be able to beat with other no annual fee cards.
- When dining out: Use your card at restaurants and bars, for takeout, and with Uber Eats and other food delivery services to earn 3% back.
- For travel purchases: Get 3% back on airfare and hotels — once again, a great rate for a card with no annual fee.
- Pay your phone bill: Charge your cell phone bill to the Uber card to get up to $600 in Cell Phone Insurance (provides secondary coverage).
- Use it for travel: This is a pretty good travel card, because it has no foreign transaction fees so you can use it freely outside the U.S. (in addition to earning rewards on certain popular travel expenses).
- Redeem for Uber purchases: The Uber Cash you earn must be redeemed for purchases made in the Uber app: Uber rides, Uber Eats orders, and JUMP bike and scooter rentals. After transferring your Uber Cash to your Uber account you’ll be able to use it to pay for purchases.
If you were a cardholder of the old Uber Visa Card, you should have received an email explaining the change to the new product. The new rewards structure will activate for you on your product change date (given in the email). You can continue to use the old program, earning cash back and redeeming for statement credits, up until 24 hours before your product change date.
If you take a Lyft for $19 and earn 1% back, that’d be 19¢ in rewards. So you could say the ride cost you $18.81.5% back for Uber rides is great, but if you find a Lyft or anyone else offering the same ride for less you’ll only earn 1% with this card. So you’re incentivized to use Uber, but take note that it will often be more cost effective to use the cheaper service, even if you’ll earn less in rewards. Remember, the goal is to pay as little as possible overall, rather than accrue rewards.
If you take an Uber for $20 and earn 5% back, that’d be $1 in rewards. So you could say the ride cost you $19.
The Lyft ride ends up being cheaper overall. And that’s just at 1% back — if you had a travel card that gave you more for rideshare services you’d be in even better shape, like the Bank of America® Customized Cash Rewards Card (Review).
The Uber card is competitive for the 3% categories in the space of no annual fee credit cards. There are several such cards with either a good dining or travel category, while few have both.
But as shown above, this Uber-centric card isn’t great for other rideshares, and the travel categories aren’t as broad as they could be. So you may prefer a more flexible travel card (and we’ll get into more reasons why in the next section).
The newly designed Uber Credit Card now earns rewards in the form of Uber Cash, rather than the simple cash back of the old version.
Uber Cash can only be used in the Uber App, for purchases of Uber rides, Uber Eats orders, and JUMP bike and scooter rentals. It can’t be used to buy Uber gift cards.
Before it can be used, your Uber Cash must be transferred to your Uber account. There are two ways to make this happen:
- At any time, you can use the Uber app to transfer your Uber Cash to your Uber account by selecting the option to manage your credit card rewards.
- When you reach $50 in Uber Cash, the rewards will automatically be transferred to your Uber account the next time you access the Uber app.
Once it’s in your Uber account, Uber Cash can be used to help pay for purchases and services in any amount, from 1¢ up.
The Uber Credit Card is available as either a Visa Signature (if your credit is a bit better) or a Visa Platinum. The rewards and most of the terms for each version are the same, but you’ll get slightly different Visa benefits depending on your card tier. Some of these benefits have changed or been removed since the card was updated.
- Invitations to Exclusive Events: Uber credit cardholders will occasionally receive invitations to Uber Exclusive Events in big cities around the U.S. (I’ve had the card for over a year but haven’t received any invitations to cool events. 😞)
- Free FICO credit score: Check your FICO Score 8 for free, whenever you’d like, based on your TransUnion credit report.
- Cell Phone Insurance: Pay for your entire monthly wireless bill with the Uber card to get secondary coverage for damage, theft, and eligible loss; up to $600 per claim with a $50 deductible, up to two times and $1,000 per 12-month period.
- Auto Rental Collision Damage Waiver: Decline the rental company’s insurance to get coverage against damage and theft for eligible rental cars.
- Concierge service (Visa Signature only): Call for non-emergency help at any time, like when making reservations or searching for interesting gifts.
- Trip Cancellation & Trip Interruption Insurance (Visa Signature only): Get reimbursement for non-refundable losses under eligible circumstances when traveling by common carrier.
- Other Visa benefits: May include Roadside Dispatch, Baggage Delay, Travel and Emergency Assistance Services, and Travel Accident Insurance, depending on card tier.
The Terms & Fees
|Purchase APR||Balance Transfer APR||Cash Advance APR|
|17.49%, 23.49% or 28.24% Variable||17.49%, 23.49% or 28.24% Variable||28.49% Variable|
|Annual Fee||Foreign Transaction Fee||Balance Transfer Fee||Cash Advance Fee|
|$0||None||3%, $10 minimum||3%, $10 minimum|
|Penalty APR||Late Fee||Returned Payment Fee|
|None||Up to $39||Up to $39|
The Uber card can be completely free to use, as long as you avoid accruing interest and fees by paying your balance in full each billing period. You’d also need to avoid interest from balance transfers and cash advances as well.
There’s no foreign transaction fee, which is less common for a card with no annual fee. But this makes sense because of the 3% travel-related categories. Most other cards will charge up to 3% on foreign transactions, so you can save a lot of money by traveling with the Uber card instead.
What Is the Credit Limit of the Uber Credit Card?
Your credit limit for the Uber card will be based on your creditworthiness when you’re approved. There’s no specified minimum or maximum credit limit.
This card is available as a Visa Platinum or Visa Signature; we expect that to get a Visa Signature card you’ll need to be approved with a starting credit limit of at least $5,000 (this is how similar cards work).
Cardholders can request a credit limit increase from Barclays at any time, although we recommend only doing this about once every 6 or 12 months. Barclays may also automatically increase your credit line from time to time if you show responsible credit habits.
The Bottom Line
The Uber Credit Card lost some of its magic when it was redesigned, but habitual Uber users can still find a lot of value here.
5% back for Uber is better than you can easily find with other cards, especially for no annual fee. The rates on the other bonus categories are equal to or better than what you’d get from many other travel cards. And with no foreign transaction fee, you don’t have to swap to a different card when you cross the border.
But the redemption options restrict this card’s usefulness quite a bit. Will you use Uber enough to cash in your rewards on a somewhat regular basis? Do you spend quite a bit on dining and travel, but not much on Uber? If so, you may earn more rewards than you know what to do with.
There’s no annual fee, however. So if you use Uber a lot right now but end up slowing down eventually, you can keep this card open and just throw it in the proverbial sock drawer.
The Uber Credit Card is not bad at all if you’ll spend in the bonus categories and can easily redeem for Uber purchases. But if that doesn’t sound like you, check out some alternative cards below.
How to Apply for the Uber Credit Card
Apply for the Uber card by hitting the Apply Now button below. You’ll be taken to Barclays’ webpage, where you can enter your information.
Usually you’ll get an instant decision after applying, either yes or no. In some cases Barclays may request more information to process the application.
What Credit Score Do You Need to Get the Uber Credit Card?
There is no specific credit score needed for the Uber card. We suggest having credit in at least the fair/average range if you want to apply.
But keep in mind that credit card applications are evaluated based on a number of criteria, and only of them is your credit scores. Other factors matter too, including your income and history with the issuer, so having a particular credit score is no guarantee of approval or denial.
Qualifications and Requirements
- Must be 18 to apply
- Personal information: Including SSN, email address, and phone number
- Financial information: Total annual income, and source of income, monthly mortgage/rent payment
Alternatives to the Uber Credit Card
The following cards earn cash back or points; those rewards can be redeemed for statement credits, which simply reduce your account balance, or through point transfers (in some cases).
Compare their rewards and benefits to those of the Uber card — which one seems like the perfect fit for your spending and travel habits?
Do you use the Uber Credit Card to get Uber Cash when dining out or traveling? How do you like the new rewards program? Let us know by leaving your own review below!
Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high-quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.
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