Over the previous few years, we have embraced ride-hailing providers so totally that it is exhausting to think about a time when our solely choices to get round a brand new metropolis have been public transportation or calling a taxi.
However as handy as they’re, providers like Uber and Lyft can get costly. Happily, ride-hailing providers have grow to be a standard bonus class for each journey bank cards and cash-back bank cards, and plenty of playing cards provide particular credit and advantages while you ebook a experience through an app.
Let’s break down the most effective Uber and Lyft bank cards that can assist you maximize your earnings on every journey.
Overview of the most effective bank cards for Uber and Lyft
|
Card |
Earn charges and advantages |
Annual charge |
Return on spending* |
|---|---|---|---|
| Chase Sapphire Reserve® (see charges and costs) |
|
$795 |
|
| Chase Sapphire Most well-liked® Card (see charges and costs) |
|
$95 |
|
| American Specific® Inexperienced Card** |
|
$150 | |
|
Chase Freedom Limitless® (see charges and costs) |
|
$0 | |
| Atmos™ Rewards Ascent Visa Signature® Credit score Card |
|
$95 | |
| Citi Double Money® Card (see charges and costs) |
|
$0 | |
| Capital One Enterprise Rewards Credit score Card |
|
$95 | |
| Blue Money Most well-liked® Card from American Specific |
Money again is acquired within the type of Reward {Dollars} that may be redeemed as an announcement credit score and at Amazon.com checkout. |
$0 introductory annual charge for the primary 12 months, then $95 (see charges and costs) | |
| Apple Card** |
|
$0 |
|
| The Platinum Card® from American Specific |
|
$895 (see charges and costs) | |
| Bilt Mastercard® (see charges and costs) |
It’s essential to make a minimum of 5 eligible transactions in your card to earn bonus factors See Bilt Rewards and Advantages |
$0 |
*Valuations are primarily based on TPG’s September 2025 valuations and should not offered by card issuers.
**The knowledge for the American Specific 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.
The perfect bank cards for Uber and Lyft
Chase Sapphire Reserve
Annual charge: $795
Rewards on ride-hailing: 5 factors per greenback spent on Lyft purchases by way of 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 greatest journey bank cards available on the market— presents 5 factors per greenback spent on Lyft purchases (by way of 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 journey credit score that comes with the cardboard. As a result of Chase considers ride-hailing providers to be a journey expense, you possibly can probably stand up to $300 off your rides yearly due to the journey credit score. Chase routinely reimburses you in assertion credit in your eligible journey purchases.
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To study extra, learn our full overview of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Chase Sapphire Most well-liked Card
Annual charge: $95
Rewards on ride-hailing: 5 factors per greenback spent on Lyft rides by way of Sept. 30, 2027, and a couple 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 selection for those who want to not pay a steep annual charge.
Moreover, the Sapphire Most well-liked has a stable 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 keeping with TPG’s valuations, this welcome provide is price a whopping $1,538.
To study extra, learn our full overview of the Chase Sapphire Most well-liked.
Apply right here: Chase Sapphire Most well-liked
American Specific Inexperienced Card
Annual charge: $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 whole Uber and Lyft spending.
To study extra, learn our full overview of the Amex Inexperienced Card.
Chase Freedom Limitless
Annual charge: $0
Rewards on ride-hailing: 2% money again on Lyft rides by way of 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 for those who want money again over transferable factors and miles (and luxuriate in not paying an annual charge).
Nonetheless, you may get much more worth from this card while you pair it with a premium card just like the Sapphire Most well-liked or Sapphire Reserve.
Chase permits you to mix your Final Rewards factors right into a single account, successfully changing your cash-back rewards on the Freedom Limitless to totally transferable factors when you have an eligible card like these talked about above.
To study extra, learn our full overview of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Atmos Rewards
Annual charge: $95
Rewards for ride-hailing: 2 factors per greenback spent on ride-hailing providers
Why it is nice for ride-hailing: Alaska Airways Atmos Rewards factors are a few of the most extremely valued airline currencies primarily based on our valuations, offering a stable price of return in your spending and factors you can redeem for aspirational flights.
To study extra, learn our full overview of the Atmos Rewards Ascent card.
Apply right here: Atmos Rewards Ascent Visa Signature Credit score Card
Citi Double Money Card
Annual charge: $0
Rewards for ride-hailing: Earn 2% money again on each buy — together with ride-hailing providers — damaged up as 1% while you purchase and 1% while you pay your invoice
Why it is nice for ride-hailing: The Citi Double Money presents 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 available on the market, and it is a widespread selection for many who need a easy solution to earn rewards throughout each buy.
Plus, now you can switch the rewards you earn to Citi’s journey companions, though you may obtain a much less favorable price for those who do not even have considered one of Citi’s extra premium playing cards.
To study extra, learn the Citi Double Money overview.
Apply now: Citi Double Money® Card
Capital One Enterprise Rewards Credit score Card
Annual charge: $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 provide easy miles-earning with no bonus classes to recollect for a modest annual charge.
The Enterprise Rewards stays a robust choice 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 considered one of Capital One’s 15-plus switch companions to obtain most worth.
To study extra, learn our full overview of the Capital One Enterprise Rewards Credit score Card.
Study extra: Capital One Enterprise Rewards Credit score Card
Blue Money Most well-liked Card from American Specific
Annual charge: $0 introductory annual charge for the primary 12 months, then $95
Rewards for ride-hailing: Earn 3% money again on transit, together with ride-hailing providers like Lyft and Uber.
Why it is nice for ride-hailing: The Blue Money Most well-liked is one other Amex card that acquired 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 choice to make use of on your whole transit bills, together with Uber and Lyft. Money again is acquired as reward {dollars} that may be redeemed as an announcement credit score and at Amazon.com checkout.
To study extra, learn our full overview of the Blue Money Most well-liked.
Apply right here: Blue Money Most well-liked Card
Apple Card
Annual charge: $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 Each day Money at choose retailers like Apple, Uber and Walgreens when paying with Apple Pay.
You may obtain Each day Money proper after every buy. That is good for those who’re a fan of straightforward money again, however for those who’re going for factors or miles, this card is not the only option.
To study extra, learn our full overview of the Apple Card.
The Platinum Card from American Specific
Annual charge: $895
Rewards for ride-hailing: Earn 1 level per greenback spent on nonbonus spending, together with ride-hailing providers, plus get entry to varied advantages (see under).
Why it is nice for ride-hailing: Whilst 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 Money to make use of yearly (for U.S. providers), 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 while you add the Amex Platinum as a cost technique and redeem with any Amex card.
As soon as you have executed that, the month-to-month Uber Money will probably be loaded into your Uber account routinely originally 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 notice that this Uber Money would not roll over from month to month, however it’s additionally legitimate for Uber Eats orders within the U.S. Make sure to 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 assertion credit score 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 overview of the Amex Platinum Card.
Apply right here: Amex Platinum Card
Bilt Mastercard
Annual charge: $0
Rewards for ride-hailing: Earn 5 factors per greenback spent on Lyft purchases and a couple of factors per greenback spent on all journey purchases, together with Uber. Be aware that you could make a minimum of 5 transactions every billing cycle to qualify for bonus factors, and your Lyft account should be linked to Bilt
Why it is nice for ride-hailing: The Bilt Mastercard is a good choice for incomes bonus factors with both ride-hailing platform, however you get extra bang in your buck with Lyft.
Plus, this card is the one card that allows you to earn bonus factors when paying your lease with no transaction charge (incomes on lease 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 essentially the most worthwhile rewards foreign money primarily based on our valuations and may be transferred to considered one of Bilt’s 21 journey companions for max worth.
TPG Brian Kelly is a Bilt advisor and investor
To study extra, learn our full overview of the Bilt Mastercard.
Apply right here: Bilt Mastercard
Backside line
With ride-hailing being an integral a part of trendy 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 stable choices accessible.
Associated: The perfect playing cards for each bonus class
For charges and costs of the Amex Platinum Card, click on right here.
For charges and costs of the Amex Blue Money Most well-liked card, click on right here.
For charges and costs of the Bilt Mastercard, click on right here.
For rewards and advantages of the Bilt Mastercard, click on right here.
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