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Best credit cards for Uber and Lyft

Uber driver with two passengers
LPETTET / E+ / Getty Images
Uber driver with two passengers
LPETTET / E+ / Getty Images
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Though most of us grew up knowing we should never get in a car with a stranger, new technology has changed the way many people get around. The reality is, ridesharing has become an incredibly popular transportation option, and that’s especially true in big cities where Uber and Lyft drivers are easy to find. With just your smartphone and a few taps of your finger, you can summon a stranger for a ride to the airport, dinner with friends or anywhere else you want to go.

Fortunately, several credit card issuers have chosen to target ridesharing customers by offering bonus rewards or even credits toward ridesharing as cardholder perks. With a credit card that offers travel rewards and special perks for Uber or Lyft, you can earn valuable points for travel and score special discounts along the way.

But, what is the best credit card for Uber? And what about for Lyft? There are quite a few top rewards cards that offer special benefits for one or both.

Best credit cards for Uber

American Express® Gold Card

Why it’s a top pick for Uber:

The American Express Gold Card is a great option for Uber rides because it comes with up to $120 in Uber Cash per year. Plus, the 4X earning rate on restaurant purchases also applies to Uber Eats orders.

Other things to know:

  • Earn 60,000 Membership Rewards points when you spend $4,000 on your card within six months of account opening.
  • Earn 4X points on U.S. supermarket purchases (up to $25,000 per year, then 1X points), 4X points on restaurant purchases (including Uber Eats orders), 3X points on flights and 2X points on rental cars booked through American Express Travel and 1X points on all other purchases.
  • $250 annual fee

The Platinum Card® from American Express

Why it’s a top pick for Uber:

The Platinum Card from American Express offers up to $200 in Uber credits each year when you pay with your card. These credits are doled out in $15 per month increments, with the final amount of $35 granted in the month of December. Keep in mind there’s no rollover of credits, so you’ll need to be a regular Uber user to take full advantage. You’ll only earn 1X points for Uber rides.

Other things to know:

  • Earn 100,000 Membership Rewards Points after you spend $6,000 on purchases in your first six months of card membership.
  • Earn 5X points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • Earn 5X points on prepaid hotels booked with American Express Travel.
  • Earn 1X points on other purchases.
  • Additional travel perks like airport lounge membership, an up to $200 airline fee credit for a select airline each year and up to $100 credit toward Global Entry or TSA PreCheck.
  • $695 annual fee.
  • See Terms.

Best credit cards for Lyft

Chase Sapphire Preferred® Card

Why it’s a top pick for Lyft:

The Chase Sapphire Preferred is one of the top travel credit cards on the market today and offers 5X points on Lyft purchases (through March 2025). Chase Ultimate Rewards points are some of the most valuable and flexible available today since you can use them for gift cards, merchandise, statement credits or experiences.

Other things to know:

  • Earn 60,000 points (worth $750 in travel through Chase Ultimate Rewards) when you spend $4,000 on your card within three months of account opening.
  • Earn 5X points on Lyft rides through March 2025, 5X points on travel purchased through Chase Ultimate Rewards, 3X points on dining, 2X points on other travel spending and 1X points on all other purchases.
  • Points are worth 25 percent more when used to book travel through the Chase Ultimate Rewards portal.
  • $95 annual fee.
  • Unlimited DoorDash deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service (you must activate this by December 31, 2023).

Chase Sapphire Reserve®

Why it’s a top pick for Lyft:

The Chase Sapphire Reserve is easily the most valuable rewards credit card for Lyft rides available today. This card comes with a Lyft Pink membership that is normally valued at $199, which includes priority airport pickups as well as 15 percent off Lyft rides. You’ll also earn 10X points on Lyft purchases, which can add up quickly if you’re a frequent Lyft passenger.

Other things to know:

  • Earn 60,000 points (worth $900 in travel through Chase Ultimate Rewards) when you spend $4,000 on your card within three months of account opening.
  • Earn 10X points on Lyft purchases (through March 2025); 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards (after earning the $300 travel credit); 3X points on other travel and dining and 1 point per $1 spent on all other purchases.
  • $550 annual fee.
  • Points are worth 50 percent more when used points to book airfare, hotels and more through the Chase Ultimate Rewards portal.
  • Additional benefits include airport lounge access with Priority Pass Select, a $300 annual travel credit good toward general travel or Lyft rides, a credit for Global Entry or TSA PreCheck and more.

Chase Freedom Unlimited®

Why it’s a top pick for Lyft:

If you’re a regular Lyft rider and don’t want to pay an annual fee to earn rewards on your rides, you should consider the Chase Freedom Unlimited. You’ll earn 5 percent back for all your Lyft spending through March 2025, as well as at least 1.5 percent cash back for purchases made with your card. You can redeem rewards as statement credits to cover purchases, including Lyft rides, charged to your credit card as well as gift cards, merchandise, experiences or travel.

Other things to know:

  • Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
  • Earn 5 percent back on Lyft rides (through March 2025), 5 percent back on travel purchased through Ultimate Rewards, 3 percent on dining and drugstore purchases and at least 1.5 percent back on all other purchases made with your card.
  • 0 percent intro APR on purchases and balance transfers for 15 months, followed by a variable APR of 15.74 percent to 24.49 percent.
  • No annual fee.

How to pick the right credit card for ridesharing

If you’re struggling to decide which rewards credit card could help you maximize ridesharing to the hilt, you should ask yourself several important questions:

What type of rewards do you want to earn?

Some cards let you earn cash back or credits for more ridesharing, but others offer flexible points you can redeem in more than one way. Make sure you study and compare rewards programs so you wind up with the type of rewards currency that will benefit you the most.

Is the annual fee worth it?

Several of the top cards for Uber or Lyft come with pricey annual fees, but these fees can be well worth it if you travel often and can take advantage of benefits like annual travel credits, airport lounge access and credits for Global Entry or TSA TSA PreCheck. If you don’t want to pay an annual fee, choose a card for ridesharing that offers superior rewards for Uber or Lyft purchases without the extra travel perks.

Uber, Lyft or both?

Some of the travel cards featured above only offer exceptional rewards or credits for Uber or Lyft, but not both. If you only use one of these services, this should narrow down your options.

What’s your card pairing strategy?

Finally, don’t forget to consider pairing cards that help you reach different objectives. You can pick up a credit card for Uber and Lyft in order to take advantage of ridesharing benefits, but use a different card that lets you earn a higher rate of rewards for all your regular purchases. If you use both Uber and Lyft, on the other hand, you can pick up various cards that offer unique rewards rates or benefits in each program.

The bottom line

If you rideshare often, it makes sense to earn rewards on the cost of your rides. Whether you’re loyal to Uber or Lyft or simply go with whichever service has better availability at the time, there’s a card that can reward you for every ride you take. You’ll also have the opportunity to earn rewards on other spending with one of these cards, whether that’s dining, other travel expenses or even groceries, so it’s important to pick the right card for your spending habits and lifestyle. Depending on how much you’re willing to pay for a card with rideshare rewards, you can pick up quite a few other travel and entertainment perks along the way.