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Do you use Uber and Lyft regularly? Even if you don’t use either often, they can be a super convenient option for your travels. Additionally, rideshares can be an easy way to earn bonus credit card points. What you may not know is that Uber and Lyft have also partnered with some of the banks that offer the best travel credit cards. So, not only can you earn points or miles on your rides, but you can also get access to their other options.
Ridesharing is a great way to explore a large city without the stress of finding and paying for expensive parking. These are some of the best credit cards for Uber and Lyft rides.
The Best Credit Cards for Uber and Lyft in 2023
- Chase Sapphire Reserve®
- Chase Sapphire Preferred® Card
- Bilt World Elite Mastercard®
- Citi Premier® Card
- Capital One Savor Cash Rewards Credit Card
- Apple Card
- Capital One Venture Rewards Credit Card
- U.S. Bank Cash+® Visa Signature® Card
- The World Of Hyatt Credit Card
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Chase Sapphire Reserve
The Chase Sapphire Reserve® can be a good, flexible option for a number of reasons. For one, cardholders earn 3x points on dining worldwide, including eligible takeout and delivery services. You can also earn up to 10x Ultimate Rewards on Lyft rides through March 31, 2025.
Chase Sapphire Reserve purchases earn up to 10x Chase Ultimate Rewards®. Cardholders can earn unlimited:
- 10x total points on hotels and car rentals purchases through Chase Ultimate Rewards (after the first $300 is spent on travel purchases annually)
- 10x total points on Chase Dining purchases with Ultimate Rewards
- 5x total points on flights when you purchase travel through Chase Ultimate Rewards (after the first $300 is spent on travel purchases annually)
- 3x points on other travel worldwide (after the first $300 is spent on travel purchases annually)
- 3x points on other dining at restaurants, including eligible delivery services, takeout, and dining out
- 1x points for all remaining purchases
You will not receive rewards points on your first $300 in annual travel purchases as the annual travel statement credit reimburses these purchases.
New Chase Sapphire Reserve® cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when redeemed through Chase Ultimate Rewards®.
Bonus: Chase Lyft Benefits
The Lyft accelerator benefit now expires on March 31, 2025. You can earn up to 10x Ultimate Rewards on Lyft rides for the next three years.
The Chase Sapphire Reserve® earns 10 points per $1 spent on Lyft rides.
These cards earn 5x Ultimate Rewards® or cash back per $1 spent on Lyft rides:
- Chase Sapphire Preferred® Card
- (Discontinued card) Chase Freedom®
- Chase Freedom Flex℠
- The Chase Freedom Unlimited®
- Plus, the Chase Freedom® Student Credit Card
- All Ink Business cards (Ink Business Preferred® Credit Card, Ink Business Unlimited® Credit Card, and Ink Business Cash® Credit Card)
Chase Sapphire Preferred Card
Another option that is one of the best credit cards for Uber and Lyft comes from Chase. The Chase Sapphire Preferred® Card is another awesome option. For one, the Chase Sapphire Preferred earns 5x points per $1 spent on Lyft rides through March 31, 2025.
The Chase Sapphire Preferred earns unlimited:
- 5x points on travel purchased through Chase Ultimate Rewards® (excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit)
- 3x points on dining (including eligible delivery services, takeout, and dining out)
- 3x points on online grocery purchases (excluding Target®, Walmart®, and wholesale clubs)
- Also 3x points on select streaming services
- 2x points on all other travel purchases
- 1x point per $1 spent on all non-bonus purchases
There is a $50 annual Ultimate Rewards Hotel Credit. It comes in the form of a statement credit that will automatically be applied to your account when your card is used for hotel accommodation purchases made through the Ultimate Rewards program, up to an annual maximum accumulation of $50.
Plus, on each account anniversary, you’ll earn bonus points equal to 10% of your total purchases made the previous year. So, if you spend $25,000 on purchases, you’ll get 2,500 bonus points.
Your points are worth 1.25 cents each when booking award travel with Chase. You can also transfer them at a 1:1 ratio to airlines and hotels including United, Southwest Airlines, Singapore Airlines, and World of Hyatt.
In case you don’t know, Chase Ultimate Rewards points are some of the most valuable credit card points you can earn. They’re worth the most for booking award flights. However, they are also worth 1 cent each for cash and gift cards.
New Chase Sapphire Preferred® Card cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $750 when redeemed through Chase Ultimate Rewards®. Member FDIC
Bilt Rewards
If you have the $0 annual fee Bilt World Elite Mastercard®, you can earn 5x points per $1 spent on Lyft rideshare, scooters, and bikes. You will need to link your Bilt and Lyft accounts in the Bilt App, then select Bilt as your active loyalty rewards partner. Once that’s done, use your Bilt World Elite Mastercard® to pay for Lyft rideshare, scooters, and bikes.
If you don’t have a Bilt credit card, you can earn 2x points on Lyft rideshares after linking your loyalty accounts.
In addition to earning Bilt Points on Lyft purchases, Bilt remains to be one of the best ways to pay rent without fees. Even if your rent collector doesn’t accept credit card payments, Bilt will mail a check or send a direct deposit fee-free so you can still earn points on rent without worrying about additional fees. Read more in our Bilt review.
Citi Premier Card
The information for the Citi Premier® Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The Citi Premier® Card can be another exciting option if you desire flexible ways to earn and redeem points. Earn 3x ThankYou points on air travel, hotels, restaurants, hotels, and gas stations. Everything else earns 1x point per $1. Cardholders can enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com once per calendar year.
New Citi Premier® Card cardmembers can earn 60,000 bonus ThankYou® Points after spending $4,000 in purchases within the first 3 months of account opening. This bonus is redeemable for $600 in gift cards or travel rewards when redeemed at thankyou.com.
Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
If you qualify for the Mastercard World Elite version of the Citi Premier, you can get a loyalty bonus for riding Lyft. Mastercard gives you a $10 Lyft credit once per month after 5 monthly rides.
If this sounds like a good choice for you, check out the CardMatch™ tool, which is a free resource for finding personalized offers that best serve you. It’s free to use and can help you determine if the Citi Premier is a card you can get. Additionally, some of the options may come with enhanced targeted welcome bonus offers that aren’t available to the general public.
Capital One Savor Cash Rewards Credit Card
The best credit cards for Uber and Lyft also come with perks for dining. The Capital One Savor Cash Rewards Credit Card earns 10% back on Uber and Uber Eats purchases. This promotion lasts through 11/14/2024.
Additionally, there are several other Capital One credit cards with Uber benefits. For example, you might be able to get six months of Uber One monthly membership statement credits.
Other Savor Rewards card benefits include:
- 5% back on hotels through Capital One Travel
- 4% back on dining, entertainment, and select streaming services
- 3% back at grocery stores
- 1% on everything else
The annual fee is $95 and there is no foreign transaction fee.
While you won’t earn as much on purchases, you can still earn 10% back on Uber and Uber Eats purchases through the $0 annual fee, Capital One SavorOne Cash Rewards Credit Card.
Capital One SavorOne Cash Rewards Credit Card
Here’s an alternative option that still comes with great rewards AND doesn’t have an annual fee or a foreign transaction fee.
The Capital One SavorOne Cash Rewards Credit Card earns:
- 10% Cash Back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- 8% Cash Back on Capital One Entertainment purchases
- 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- 3% Cash Back on dining and at grocery stores (excluding superstores like Walmart® and Target®)
- 3% Cash Back on popular streaming services and entertainment
- 1% Cash Back on all other purchases
There is no limit on how much cash back can be earned. Rewards won’t expire so long as your account is open.
New Capital One SavorOne Cash Rewards Credit Card cardholders can earn a one-time $200 cash bonus after spending $500 on purchases within the first 3 months from account opening.
Apple Card
The information related to the Apple Card has been collected by Johnny Jet and has not been reviewed or provided by the issuer or provider of this product or service.
The Apple Card can be a good cash back option for Uber purchases. You get 3% cash at select merchants including Uber, Uber Eats, and Apple. All Apply Pay purchases earn 2% back which is a payment option for Lyft rides. Otherwise, you only earn 1% back on Lyft on other non-Apple Pay purchases.
This card lets you redeem your cash rewards balance daily. It’s a nice feature if you want a cashback card with no annual fee.
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card makes earning rewards on all purchases easy. You get 2x miles for every $1 you spend. However, earn 5x miles on hotels and rental cars booked through Capital One Travel.
Then you can redeem your miles for travel statement credits, booking upcoming travel, or transfer miles to Capital One’s leading travel loyalty programs.
One fringe benefit includes Global Entry or TSA PreCheck application fee credit, up to $100.
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel, with the Capital One Venture Rewards Credit Card.
U.S. Bank Cash+® Visa Signature® Card
The information for the U.S. Bank Cash+® Visa Signature® Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The U.S. Bank Cash+® Visa Signature® Card is a no-annual-fee card (See Rates & Fees) that is one of several cards letting you earn up to 5% back on purchases. Cardholders earn:
- 5% cash back on the first $2,000 in combined eligible purchases each quarter on two categories they choose. Categories include:
- Fast food
- TV, internet, and streaming services
- Cell phone providers
- Home utilities
- Department stores
- Electronic stores
- Sporting goods stores
- Movie theaters
- Gym/fitness centers
- Furniture stores
- Ground transportation
- Select clothing stores
- 5% cash back on prepaid air, hotel, and car reservations booked directly in the Rewards 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
To earn cash back, choose and activate the categories. Then, earn cash back with every eligible purchase. Cardholders can redeem their cash back anytime online.
New U.S. Bank Cash+® Visa Signature® Card cardholders can earn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
Get cash back as a statement credit, a rewards card, or directly deposited into their U.S. Bank checking or savings account. Read more in our U.S. Bank Cash Visa Signature Card review.
The World of Hyatt Credit Card
You may be surprised to find a hotel credit card as one of the best credit cards for Uber and Lyft. To earn some of the most valuable hotel points, look no further than The World of Hyatt Credit Card.
Local transit and rideshares earn 2x World of Hyatt points. Dining, flights booked directly from the airline, plus fitness club and gym memberships earn double Hyatt points too. With the card, you earn up to 9 Hyatt points per $1 spent on World of Hyatt purchases.
Besides getting bonus points on local transit, another exciting reason to consider this card is for the free anniversary night. This night is valid at any category 1-4 property and can be worth a lot more than the card’s $95 annual fee. You get a second free night each year after $15,000 in annual card purchases.
This is one of the best hotel credit cards to book free nights at swanky properties.
This card also gives you instant World of Hyatt Discoverist loyalty status. Member perks include waived resort fees, premium on-site internet, space-available room upgrades, and Pearl M Life rewards status.
New The World of Hyatt Credit Card cardmembers can earn a signup bonus of up to 65,000 World of Hyatt Bonus Points. Earn the first 35,000 points by spending $3,000 on purchases in the first 3 months from account opening. Plus, earn up to 30,000 More Bonus Points by earning 2x Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1x Bonus Point, on up to $15,000 spent.
Summary
You might only use Uber and Lyft as they are the easiest ways to get around town. Each ride can also help you earn more rewards for travel and cash. Now, it’s time to get ready to maximize your rides and maybe leave your driver a nice tip in the process.
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