Over the previous few years, we have embraced ride-hailing companies so totally that it is laborious to think about a time when our solely choices to get round a brand new metropolis had been public transportation or calling a taxi.
However as handy as they’re, companies like Uber and Lyft can get costly. Luckily, ride-hailing companies have change into a standard bonus class for each travel credit cards and cash-back credit cards, and plenty of playing cards supply particular credit and advantages if you e book a trip by way of an app.
Let’s break down the most effective Uber and Lyft bank cards that will help you maximize your earnings on every journey.
Overview of the most effective bank cards for Uber and Lyft
|
Card |
Earn charges and advantages |
Annual payment |
Return on spending* |
|---|---|---|---|
| Chase Sapphire Reserve® (see rates and fees) |
|
$795 |
|
| Chase Sapphire Preferred® Card (see rates and fees) |
|
$95 |
|
| American Express® Green Card** |
|
$150 | |
|
$0 | ||
| Atmos™ Rewards Ascent Visa Signature® Credit Card |
|
$95 | |
| Citi Double Cash® Card (see rates and fees) |
|
$0 | |
| Capital One Venture Rewards Credit Card |
|
$95 | |
| Blue Cash Preferred® Card from American Express |
Money again is obtained within the type of Reward {Dollars} that may be redeemed as an announcement credit score and at Amazon.com checkout. |
$0 introductory annual payment for the primary 12 months, then $95 (see rates and fees) | |
| Apple Card** |
|
$0 |
|
| The Platinum Card® from American Express |
|
$895 (see rates and fees) | |
| Bilt Mastercard® (see rates and fees) |
You need to make not less than 5 eligible transactions in your card to earn bonus factors See Bilt Rewards and Benefits |
$0 |
*Valuations are primarily based on TPG’s September 2025 valuations and will not be offered by card issuers.
**The knowledge for the American Categorical Inexperienced Card and the Apple Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
One of the best bank cards for Uber and Lyft
Chase Sapphire Reserve
Annual payment: $795
Rewards on ride-hailing: 5 factors per greenback spent on Lyft purchases via Sept. 30, 2027, and 1 level again per greenback spent on all nonbonus class purchases, together with Uber
Why it is nice for ride-hailing: The Chase Sapphire Reserve — one of many best travel credit cards in the marketplace— gives 5 factors per greenback spent on Lyft purchases (via Sept. 30, 2027).
The Lyft and Uber advantages with the Sapphire Reserve do not finish with the incomes construction — there’s additionally the $300 annual travel credit that comes with the cardboard. As a result of Chase considers ride-hailing companies to be a travel expense, you possibly can doubtlessly stand up to $300 off your rides yearly due to the journey credit score. Chase robotically reimburses you in assertion credit to your eligible journey purchases.
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To study extra, learn our full review of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Chase Sapphire Most well-liked Card
Annual payment: $95
Rewards on ride-hailing: 5 factors per greenback spent on Lyft rides via Sept. 30, 2027, and a pair of factors per greenback spent on journey, which incorporates Uber
Why it is nice for ride-hailing: Whereas it has a decrease incomes price than the Chase Sapphire Reserve (and no journey credit score), the Most well-liked is an effective alternative when you favor to not pay a steep annual payment.
Moreover, the Sapphire Most well-liked has a strong welcome bonus. New cardholders can earn 75,000 bonus factors after spending $5,000 on purchases within the first three months from account opening. In response to TPG’s valuations, this welcome supply is price a whopping $1,538.
To study extra, learn our full review of the Chase Sapphire Preferred.
Apply right here: Chase Sapphire Preferred
American Categorical Inexperienced Card
Annual payment: $150
Rewards for ride-hailing: 3 factors per greenback spent on transit, together with Lyft and Uber
Why it is nice for ride-hailing: When Amex relaunched the Inexperienced Card again in 2019, it added expanded bonus classes to the advantages record — together with 3 factors per greenback spent on transit (Lyft and Uber purchases fall into that class).
This card earns Membership Rewards factors, which TPG’s valuations peg at 2 cents apiece. That is a 6% return on your entire Uber and Lyft spending.
To study extra, learn our full review of the Amex Green Card.
Chase Freedom Limitless
Annual payment: $0
Rewards on ride-hailing: 2% money again on Lyft rides via Sept. 30, 2027, together with 1.5% money again on all different nonbonus class purchases
Why it is nice for ride-hailing: The Freedom Limitless is the cardboard for you when you favor money again over transferable factors and miles (and revel in not paying an annual payment).
Nevertheless, you will get much more worth from this card if you pair it with a premium card just like the Sapphire Preferred or Sapphire Reserve.
Chase means that you can combine your Ultimate Rewards points right into a single account, successfully changing your cash-back rewards on the Freedom Limitless to completely transferable factors when you have an eligible card like these talked about above.
To study extra, learn our full review of the Chase Freedom Unlimited.
Apply right here: Chase Freedom Unlimited
Atmos Rewards
Annual payment: $95
Rewards for ride-hailing: 2 factors per greenback spent on ride-hailing companies
Why it is nice for ride-hailing: Alaska Airways Atmos Rewards factors are a number of the most extremely valued airline currencies primarily based on our valuations, offering a strong price of return in your spending and factors you can redeem for aspirational flights.
To study extra, learn our full review of the Atmos Rewards Ascent card.
Apply right here: Atmos Rewards Ascent Visa Signature Credit Card
Citi Double Money Card
Annual payment: $0
Rewards for ride-hailing: Earn 2% money again on each buy — together with ride-hailing companies — damaged up as 1% if you purchase and 1% if you pay your invoice
Why it is nice for ride-hailing: The Citi Double Money gives as much as 2% throughout each buy, together with Lyft and Uber purchases. This is without doubt one of the highest-earning, flat-rate cash-back playing cards in the marketplace, and it is a widespread alternative for many who need a simple option to earn rewards throughout each buy.
Plus, now you can switch the rewards you earn to Citi’s travel partners, though you may obtain a much less favorable price when you do not even have one among Citi’s more premium cards.
To study extra, learn the Citi Double Money review.
Apply now: Citi Double Cash® Card
Capital One Enterprise Rewards Credit score Card
Annual payment: $95
Rewards for ride-hailing: Earn 2 miles per greenback spent on nonbonus spending, together with ride-hailing apps like Lyft and Uber
Why it is nice for ride-hailing: The Enterprise Rewards supply easy miles-earning with no bonus classes to recollect for a modest annual payment.
The Enterprise Rewards stays a robust possibility for all transit bills, together with Uber and Lyft. You may earn Capital One miles, which may be redeemed for journey purchases at 1 cent per mile or transferred to one among Capital One’s 15-plus transfer partners to obtain most worth.
To study extra, learn our full assessment of the Capital One Venture Rewards Credit Card.
Study extra: Capital One Venture Rewards Credit Card
Blue Money Most well-liked Card from American Categorical
Annual payment: $0 introductory annual payment for the primary 12 months, then $95
Rewards for ride-hailing: Earn 3% money again on transit, together with ride-hailing companies like Lyft and Uber.
Why it is nice for ride-hailing: The Blue Money Most well-liked is one other Amex card that obtained a makeover in 2019, including expanded incomes classes.
A type of further classes was transit, which incorporates Lyft and Uber purchases. This card stays a robust possibility to make use of on your entire transit bills, together with Uber and Lyft. Money again is obtained as reward {dollars} that may be redeemed as an announcement credit score and at Amazon.com checkout.
To study extra, learn our full review of the Blue Cash Preferred.
Apply right here: Blue Cash Preferred Card
Apple Card
Annual payment: $0
Rewards for ride-hailing: Earn 3% money again on Uber and Uber Eats (should use Apple Pay)
Why it is nice for ride-hailing: The reality is, this card is greatest for true Apple loyalists because you solely earn the best Day by day Money at choose retailers like Apple, Uber and Walgreens when paying with Apple Pay.
You may obtain Day by day Money proper after every buy. That is good when you’re a fan of simple cash back, however when you’re going for factors or miles, this card is not your best option.
To study extra, learn our full review of the Apple Card.
The Platinum Card from American Categorical
Annual payment: $895
Rewards for ride-hailing: Earn 1 level per greenback spent on nonbonus spending, together with ride-hailing companies, plus get entry to numerous advantages (see beneath).
Why it is nice for ride-hailing: When you will not earn bonus rewards on Uber or Lyft purchases, the Platinum Card is without doubt one of the greatest choices on the market for Uber perks.
The spotlight of these advantages is as much as $200 in Uber Cash to make use of yearly (for U.S. companies), which is damaged down as as much as $15 every month, plus an as much as $20 bonus in December (as much as $35 whole for this month). Uber Money will solely be deposited into one Uber account if you add the Amex Platinum as a fee methodology and redeem with any Amex card.
As soon as you have accomplished that, the month-to-month Uber Money might be loaded into your Uber account robotically in the beginning of every month. As an Amex Platinum cardmember, you may additionally get Uber VIP standing, which lets you request top-rated drivers in choose cities.
Simply be aware that this Uber Money would not roll over from month to month, nevertheless it’s additionally legitimate for Uber Eats orders within the U.S. Be sure you use it earlier than the final day of the month so it would not go to waste.
Plus, you may obtain as much as a $120 statement credit that totally covers an auto-renewing $96 annual or $9.99 month-to-month membership to Uber One (enrollment required).
To study extra, learn our full review of the Amex Platinum Card.
Apply right here: Amex Platinum Card
Bilt Mastercard
Annual payment: $0
Rewards for ride-hailing: Earn 5 factors per greenback spent on Lyft purchases and a pair of factors per greenback spent on all journey purchases, together with Uber. Be aware that you could make not less than 5 transactions every billing cycle to qualify for bonus factors, and your Lyft account have to be linked to Bilt
Why it is nice for ride-hailing: The Bilt Mastercard is a good possibility for incomes bonus factors with both ride-hailing platform, however you get extra bang to your buck with Lyft.
Plus, this card is the one card that allows you to earn bonus factors when paying your hire and not using a transaction payment (incomes on hire is proscribed to as much as 100,000 factors every calendar 12 months, and you could make 5 eligible card transactions to earn bonus factors).
Bilt Factors are probably the most helpful rewards foreign money primarily based on our valuations and may be transferred to one among Bilt’s 21 travel partners for max worth.
TPG Brian Kelly is a Bilt advisor and investor
To study extra, learn our full review of the Bilt Mastercard.
Apply right here: Bilt Mastercard
Backside line
With ride-hailing being an integral a part of fashionable journey, it is sensible to maximise your bank card advantages when reserving a service like Uber or Lyft. The trick is to search out the cardboard or playing cards that be just right for you — as you possibly can see, there is no scarcity of strong choices out there.
Associated: The best cards for every bonus category
For charges and charges of the Amex Platinum Card, click on here.
For charges and charges of the Amex Blue Money Most well-liked card, click on here.
For charges and charges of the Bilt Mastercard, click on here.
For rewards and advantages of the Bilt Mastercard, click on here.
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