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With the growing popularity of rideshare services around the world, including Uber and Lyft, more travelers are looking for ways to maximize their credit card rewards on transit purchases.
Luckily, many of the top travel rewards cards feature earning bonuses not just for rideshare services, but also in broader travel categories that include rideshares. That means consumers can expect to earn multiple points per dollar or several percentage points in cash back on rideshare purchases if they use the right card.
Find the right card with Uber and Lyft perks
Earn unlimited 4% cash back on dining, entertainment, and popular streaming services. Earn 3% at grocery stores. Earn 1% on all other purchases.
Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
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.
100,000 points after spending $15,000 on purchases in the first 3 months from account opening
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores. Earn 1% cash back on all other purchases.
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
When choosing the right rewards credit card for your needs, you should also take into account other, more significant factors, such as a high sign-up bonus, a reasonable annual fee, and lucrative everyday earning opportunities.
With that in mind, here are six of the best credit cards for rideshares and their other benefits.
Compare the best credit cards for ridesharing
The Platinum Card® from American Express
Intro offer
80,000 Membership Rewards® points after spending $6,000 on purchases in the first six months of card membership
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
The Platinum Card® from American Express
Intro offer
80,000 Membership Rewards® points after spending $6,000 on purchases in the first six months of card membership
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
On American Express’s website
Details
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
Annual Fee
$695
See Rates and Fees
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Intro offer
80,000 Membership Rewards® points after spending $6,000 on purchases in the first six months of card membership
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
See Pay Over Time APR
Intro Annual Percentage Rate (APR)
N/A
Editor’s Rating
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
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Pros & Cons
Highlights
Additional Reading
Capital One Savor Cash Rewards Credit Card
Intro offer
Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months
Rewards
Earn unlimited 4% cash back on dining, entertainment, and popular streaming services. Earn 3% at grocery stores. Earn 1% on all other purchases.
Capital One Savor Cash Rewards Credit Card
Intro offer
Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months
Rewards
Earn unlimited 4% cash back on dining, entertainment, and popular streaming services. Earn 3% at grocery stores. Earn 1% on all other purchases.
Details
Rewards
Earn unlimited 4% cash back on dining, entertainment, and popular streaming services. Earn 3% at grocery stores. Earn 1% on all other purchases.
Intro offer
Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
17.49% – 25.49% Variable
Pros & Cons
Highlights
Additional Reading
American Express® Gold Card
Intro offer
60,000 points after you spend at least $4,000 in your first 6 months of card membership
Rewards
Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® points on all other purchases.
American Express® Gold Card
Intro offer
60,000 points after you spend at least $4,000 in your first 6 months of card membership
Rewards
Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® points on all other purchases.
On American Express’s website
Details
Rewards
Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® points on all other purchases.
Annual Fee
$250
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Intro offer
60,000 points after you spend at least $4,000 in your first 6 months of card membership
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
19.74% – 26.74% Variable
Pros & Cons
Highlights
Additional Reading
Intro offer
80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
Intro offer
80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
Details
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
Intro offer
80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
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Regular Annual Percentage Rate (APR)
19.99% – 26.99% Variable
Editor’s Rating
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
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Pros & Cons
Highlights
Additional Reading
Ink Business Preferred® Credit Card
Intro offer
100,000 points after spending $15,000 on purchases in the first 3 months from account opening
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.
Ink Business Preferred® Credit Card
Intro offer
100,000 points after spending $15,000 on purchases in the first 3 months from account opening
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.
Details
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.
Intro offer
100,000 points after spending $15,000 on purchases in the first 3 months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
18.99% – 23.99% Variable
Pros & Cons
Highlights
Additional Reading
Capital One SavorOne Cash Rewards Credit Card
Intro offer
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Rewards
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores. Earn 1% cash back on all other purchases.
Capital One SavorOne Cash Rewards Credit Card
Intro offer
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Rewards
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores. Earn 1% cash back on all other purchases.
Details
Rewards
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores. Earn 1% cash back on all other purchases.
Intro offer
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
17.99% – 27.99% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months)
Pros & Cons
Highlights
Additional Reading
Chase Sapphire Preferred® Card
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Chase Sapphire Preferred® Card
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Details
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Show more
Regular Annual Percentage Rate (APR)
18.99% – 25.99% Variable
Editor’s Rating
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Show more
Pros & Cons
Highlights
Additional Reading
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Best credit cards for ridesharing reviews
Why use it for rideshares: Although it does not earn bonus points on rideshares, the Platinum Card does offer cardmembers up to $200 per year in Uber Cash credits**. You’ll receive $15 in Uber Cash each month, except for December, when you get $35.
Welcome bonus offer: Earn 80,000 Membership Rewards® points after spending $6,000 on purchases in the first six months of card membership.
Annual fee: $695
Other benefits: Though the annual fee is high, this premium rewards card is packed with perks, such as:
Review: American Express Platinum Card review
Why use it for rideshares: The Capital One Savor Cash Rewards Credit Card earns 10% back on spending with Uber and Uber Eats through November 14, 2024.
This is an excellent return rate — and remember, if you’ve also got a Capital One miles-earning card (such as the Capital One Venture Rewards Credit Card), you can convert that cash back into Capital One miles at a rate of 1 cent per mile. Insider’s valuations estimate Capital One miles are worth an average of 1.7 cents each when redeemed for travel. That means this 10% return on Uber could actually become 17% back.
You’ll also get a free Uber One membership through November 14, 2024. You’ll have to enroll your card through the Uber (or Uber Eats) app and set your eligible card as your Uber One plan’s payment method. Uber One normally costs $9.99 per month, and comes with benefits like:
- Unlimited $0 delivery fees on eligible food, groceries, and other Uber Eats orders (order must be at least $15 from non-grocery stores, and at least $30 from grocery stores)
- Up to 10% off eligible orders with Uber Eats (not applicable for grocery orders)
- Up to 5% off eligible rides with Uber (shared rides or rides booked 30 minutes or more in advance do not qualify)
Welcome bonus offer: Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months
Annual fee: $95
Other benefits: The main draw of this card is its impressive earning rates on everyday spending. In addition to the new rideshare bonus category, you’ll also receive:
- 8% cash back on Vivid Seats purchases through January 31, 2023
- 4% cash back on dining, entertainment, and popular streaming services
- 3% cash back at grocery stores
- 1% back on all other purchases
Again, if you convert that cash back into Capital One miles, you’re looking at an effective return rate between 1.7% and 13.6%.
You’ll also find extended warranty protections and modest travel insurance.
Review: Capital One Savor card review
Why use it for rideshares: This card offers monthly Uber Cash similar to the Amex Platinum — but for a dramatically lower annual fee. You’ll receive $10 in Uber Cash each month** (up to $120 per calendar year, and the Gold Card needs to be added to the Uber app to receive the Uber Cash benefit).
The card doesn’t earn bonus points for rideshares — you’ll get just 1 point per dollar. Insider estimates Amex points value to be 1.8 cents each, so you’ll still get an effective 1.8% return for your transit expenses.
Welcome bonus offer: You’ll earn 60,000 points after you spend at least $4,000 in your first 6 months of card membership.
Annual fee: $250
Other benefits: This card comes with a handful of other valuable perks that justify its annual fee, such as:
- Up to $10 in dining credits each month** (up to $120 per year) for spending with Grubhub, Seamless, The Cheesecake Factory, Milk Bar, Wine.com, Goldbelly, and participating Shake Shack locations
- The Hotel Collection (property credits and upgrades)
- Solid travel insurance
- Purchase protection
- Discounts and bonuses through Amex Offers**
Review: Amex Gold Card review
Why use it for rideshares: The Chase Sapphire Reserve® is an all-around top earner thanks to the fact that it racks up 3 points per dollar on dining and travel, including rideshare services like Uber.
But it’s even better for Lyft users: The Sapphire Reserve now comes with Lyft’s most premium membership — Lyft Pink All Access (regularly $199 per year). This gives you access to benefits such as free priority pickup upgrades, free bike rides, member-exclusive pricing, and more.
You’ll get free Lyft Pink All Access for two years, with a 50% discount on your third year. You can claim the offer under the “Lyft Pink” tab in your Lyft app (activation required by December 31, 2024). Just be sure the Chase Sapphire Reserve® is your default payment method.
Plus, through March 2025, the card earns 10 points per dollar on Lyft rides — equal to an 18% return on your spending, per Insider’s valuation of Chase Ultimate Rewards points.
The card even offers up to $300 in statement credits toward travel purchases each year (including rideshares).
Welcome bonus offer: You’ll earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Annual fee: $550
Other benefits: The points you earn with this card are transferable to over a dozen airline and hotel partners, such as Hyatt, United Airlines, Southwest, and many more. They are also worth 1.5 cents apiece when redeemed for travel directly through the Ultimate Rewards portal.
You’ll also receive benefits such as:
Review: Chase Sapphire Reserve review
Why use it for rideshares: Like the Chase Sapphire Reserve®, this card earns 3 points per dollar on travel purchases, including rideshares. But through March 2025, you’ll earn 5 points per dollar on Lyft rides. Because Insider values Chase points at 1.8 cents each, this equates to a 9% return for your spending.
Welcome bonus offer: You’ll earn 100,000 points after spending $15,000 on purchases in the first 3 months from account opening.
Annual fee: $95
Other benefits: This is one of the best small-business cards on the market thanks to perks such as:
Review: Ink Business Preferred credit card review
Capital One SavorOne Cash Rewards Credit Card
Why use it for rideshares: The Capital One SavorOne Cash Rewards Credit Card card has Uber-related benefits that are identical to the Capital One Savor Cash Rewards Credit Card. Through November 14, 2022, you’ll earn 10% back with Uber and Uber Eats. That’s an incredible return for a no-annual-fee credit card — and again, if you’ve got a Capital One miles-earning card (like the Capital One Venture X Rewards Credit Card), you can turn that cash back into miles at a rate of 1 cent per mile.
You’ll receive complimentary Uber One membership (a $9.99 value) through November 14, 2024. Just enroll your card in the Uber or Uber Eats app and make it your Uber One membership payment method. This will give you various discounts with Uber.
Welcome bonus offer: You’ll earn Capital One SavorOne Cash Rewards Credit Card
Annual fee: $0
Other benefits: The Capital One SavorOne Cash Rewards Credit Card has few flashy benefits aside from its ever-impressive return rates:
- 8% cash back on Vivid Seats purchases through January 31, 2023
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 3% cash back on dining, entertainment, and popular streaming services
- 3% cash back at grocery stores (excluding superstores like Walmart and Target)
- 1% back on all other purchases
These bonus categories are incredibly rewarding considering the card charges no annual fee.
Review: Capital One SavorOne credit card review
Why use it for rideshares: Like the Chase Sapphire Reserve® and Ink Business Preferred® Credit Card, the Chase Sapphire Preferred® Card’s bonus travel category is quite broad and includes rideshares so that cardholders can earn 2x points per dollar on purchases with services like Uber and Lyft. Through March 2025, you’ll earn 5 points per dollar for Lyft purchases.
Welcome bonus offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Annual fee: $95
Other benefits: The card also offers:
Review: Chase Sapphire Preferred Credit Card review
World and World Elite Mastercards offer Lyft credits
Mastercard World and World Elite credit cards provide a $5 Lyft credit each calendar month. The only requirement is that you take at least three Lyft rides per month.
Examples of cards that qualify for this benefit are:
The ability to earn up to $60 per year from a World Elite Mastercard is pretty great — especially considering some of them don’t incur an annual fee.
Credit cards for Uber and Lyft frequently asked questions (FAQ)
The best credit card for rideshare expenses isn’t necessarily the best credit card for you.
In terms of money-saving potential, the Amex Platinum will give you the biggest discount on your rides with its monthly Uber Cash credit worth up to $15 per month (and $35 in December). That’s a potential $200 in free rides each year.
However, the card comes with a lofty $695 annual fee. If you’re not going to use the card’s other benefits (including $1,000+ in annual credits), consider instead a card like the Capital One SavorOne Cash Rewards Credit Card, a $0-annual-fee card which earns 10% cash back with Uber through November 14, 2024.
Uber and Lyft do not have proprietary credit cards. Uber briefly issued a credit card with Barclays, but it has since been discontinued.
Each bank has its own persnickety algorithm for coding the purchases you make with your credit card. Most often, however, you’ll find that purchases through popular services like Uber and Lyft do qualify as travel.
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Wealthfront Cash Account
A high-yield savings account that earns 3.30% annual percentage yield. No account fees. APY as of 11/14/2022.
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