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Best credit cards for Lyft

Some cards offer Lyft credits, while others reward you for ride-shares and travel in general

Summary

The right credit card can help you earn more rewards every time you ride with Lyft. This guide covers your best options.

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Only a decade ago, people called a taxi company when they needed a ride. The same act is now as simple as hitting a few buttons on your smartphone.

Ride-share companies like Lyft make getting a ride to almost anywhere a breeze, and the service may cost a lot less than you think.

If you charge your Lyft rides to a credit card that doles out points or miles, that’s even better. In this guide, we’ll go over the absolute best credit cards to use when you ride with Lyft as well as other ways to maximize your ride-share dollars.

Best credit cards for Lyft discounts

As of April 2019, Mastercard announced some exciting new benefits for its World and World Elite credit card members. This includes a $10 Lyft credit for World Elite cardholders, which will be automatically applied to your next ride after you take five Lyft rides within a calendar month.

The most popular World Elite Mastercards include the Capital One Savor Cash Rewards Credit Card, the Citi Prestige and the Barclaycard Arrival Plus World Elite Mastercard. Each of these cards can help you qualify for this Lyft benefit provided you connect one of them to your account and use it to pay for your rides.

See related:  Everything you need to know about maximizing rewards on ride-shares

Best credit cards to earn rewards with Lyft

There are also a handful of credit cards that can help you earn more rewards each time you ride with Lyft. Here are your best options:

Chase Sapphire Reserve

  • 3 points per dollar spent on restaurants and travel, including Lyft, after the $300 annual travel credit
  • $300 annual credit travel that applies to most travel purchases, including rides with Lyft
  • 50,000-point sign-up bonus if you spend $4,000 in first three months
  • Redeem points through the Chase Ultimate Rewards portal, and get 50 percent more travel for free
  • Transfer points to airline and hotel partners at a 1:1 ratio
  • Up to $100 Global Entry/TSA Precheck credit every four years
  • Priority Pass Select membership
  • $450 annual fee

Wells Fargo Propel American Express® Card

  • Earn 3X points on dining out, gas stations, ride-shares including Lyft, transit, flights, hotels, homestays, car rentals and select streaming services
  • Earn 30,000 bonus points when you spend $3,000 on your card within three months of account opening
  • Redeem for flights through Go Far Rewards
  • Cash in your points for statement credits
  • No annual fee

Citi Premier Card

  • Earn 3X points on travel including gas stations and Lyft rides
  • Earn 2X points on dining and entertainment and 1X points on all other purchases
  • 60,000 bonus points after you spend $4,000 on your card within three months of account opening
  • Redeem 60,000 points for $750 in airfare, or cash them in for other travel, statement credits and more
  • Transfer points to airline partners
  • $95 annual fee

Chase Sapphire Preferred Card

  • 2 points per dollar spent on dining and travel, including Lyft rides
  • 60,000-point sign-up bonus if you spend $4,000 in first three months
  • Redeem points through the Chase Ultimate Rewards portal, and get 25 percent more travel for free
  • Transfer points to airline and hotel partners at a 1:1 ratio
  • $95 annual fee

See related:  Best cards for Uber, UberEATS

More ways to maximize rewards (and save money) when you pay for ride-sharing services

While using the right credit card can help you score more rewards each time you ride with Lyft, there are other ways to make the most of your ride-share spending. Here are some tips that can help you maximize each dollar you spend, save money and even earn airline miles:

  • Connect your Lyft account with your Delta SkyMiles account. Regardless of which credit card you use to pay for your Lyft rides, you can earn Delta SkyMiles for each dollar you spend. All you are required to do is connect your Delta and Lyft accounts online. From there, you’ll earn 1 Delta mile for each dollar you spend on regular rides and 2X miles for rides to or from an airport.
  • Price shop with both ride-sharing companies. The best way to spend less on ride-sharing is to make the two main companies – Uber and Lyft – compete. Download both apps on your phone and check pricing with each before you request a ride. If one ride-sharing company is significantly cheaper, they should be your obvious choice.
  • Avoid surge pricing when you can. Both Uber and Lyft enact “surge pricing” in situations where demand is especially high. If you can avoid paying for a ride during a surge, you will save money over time. This is yet another reason to compare pricing on both apps before you book a ride; both ride-sharing companies may not have surge pricing at the same time.
  • Refer friends and watch out for coupons. If you’re just now signing up for Lyft, make sure someone who already has the app sends you a referral code that makes your first ride free. Also note that, once you have your own Lyft account, you’ll get a free or discounted ride for each new person you refer who signs up and takes a ride. Finally, keep your eye out for special promotions and coupons you can add to your account.

What’s up next?

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Published: June 11, 2019

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