Uber Visa Card review

Madison Blancaflor Avatar
Madison Blancaflor @M_Blancaflor  in  Cash Back How we rate our cards  |  Advertiser Disclosure
Barclays Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Annual Fee:
$0
Purchase Intro APR:
N/A
Regular APR:
17.24%, 23.24% or 27.99% Variable
Terms and Restrictions Apply | Rates and Fees

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our cash back category page.

The Uber Visa Card review was last updated on November 12, 2019.

Uber Visa Card: Details and benefits

It’s rare that a co-branded credit card beats out issuer rewards credit cards, but the Uber Visa has proven to be an exception to that rule. Issued by Barclays, the card offers users competitive cash-back rewards on Uber-related spending, dining and travel  — and for no annual fee.

You’ll get a generous rewards rate of 5 percent back in Uber Cash on Uber, Uber Eats and JUMP bikes and scooters, 3 percent back on airfare, hotels, vacation rentals and dining and 1 percent back on all other purchases.

The card also comes with mobile phone protection (when you pay your bill with your Uber Visa), exclusive access to some events, no foreign transaction fees and Visa Signature benefits.

Advantages
  • Revamped high rewards rate on Uber-related spending
  • No annual fee
  • No foreign transaction fees
Disadvantages
  • If your biggest expenses are gas and groceries, this card doesn’t reward in those categories
  • Anyone who doesn’t eat out much isn’t going to maximize the card's benefits
  • There’s no introductory zero percent APR offer
  • Other rewards cards come with bigger sign-up bonuses

Is the Uber Visa Card worth it for you?

The card might be called the Uber Visa, but its value stretches far beyond ridesharing.

Young professionals and students who have already built up a good credit score can really maximize their cash back rewards with this card’s bonus categories — without the pain of an annual fee. That’s an added benefit of the Uber Visa, as cards with similar rewards structures typically charge annual fees as the tradeoff for solid perks and competitive rewards.

The boosted earnings rate on airfare and lodging puts the Uber Visa Card on a par with the rewards offered by some of the top travel rewards cards like the Chase Sapphire Preferred Card and the Citi Prestige Card, but without the cost of ownership. Of course, you won’t have access to the same luxury travel perks with the Uber Visa, but that tradeoff is well worth it if you’re a casual traveler rather than a wanderlust pro.

Get the most value from the Uber Visa Card

Maximizing the value of the Uber Visa is mostly straightforward. Use the card and earn cash back.

Whether you’re constantly hailing an Uber or just looking for a great cash back credit card, the Uber Visa holds its own against some of the most competitive cash back cards in the market.

New cardholders can take advantage of a $100 Uber Cash welcome bonus after spending $500 in the first 90 days. Additionally, you’ll get mobile phone protection if you use this card to pay for your bill.

How to redeem rewards

A significant downside of the card is its inflexible redemption options. Each point earned with the Uber Visa is worth one cent and can be redeemed directly through the Uber app to pay for rides or as cash back.