You can save money and earn rewards on your next Uber ride by charging the right card. These are your best options.
Earning rewards on Uber rides is somewhat of a new credit card perk. However, it is becoming more commonplace.
“Rideshare services are becoming so popular and so mainstream, they are literally a perk on your credit card rewards,” says Douglas Boneparth, a certified financial planner from Bone Fide Wealth, LLC.
Even though you may want to put Uber charges on any plastic, some credit cards are ideal if you use the rideshare service frequently and can help you build rewards. Other card options deliver discounts for using Uber directly.
These are your best options.
See related: Uber Visa Card vs. Capital One Savor Card
Best cards for Uber discounts
Check out these credit cards that offer discounts and cash back for frequent Uber riders.
- Up to $200 Uber credits every year. That means you receive free rides within the United States for up to $15 per month, plus a $20 bonus in December.
- This benefit is easy to use as the credits are redeemed automatically on your account balance, as long as you charge Uber rides on your Platinum card.
- Cardholders also receive complimentary “Uber VIP” status, which connects you to top-rated drivers. To qualify for Uber VIP status you’d otherwise need to make at least 10 trips in a calendar month, according to The Points Guy.
In addition to the Uber credits, the Platinum card also offers:
- 60,000 points if you spend $5,000 in first three months.
- Priority Pass Select membership.
- Up to $200 airline fee credit.
- $100 Global Entry or $85 TSA Precheck credit every four years.
- $100 hotel credit.
- Up to $100 Saks Fifth Avenue credit (enrollment required).
- 5 points per dollar spent on flights booked directly with airlines or with American Express Travel.
- 5 points per dollar spent on eligible hotels booked with amextravel.com.
Alternative: Uber Visa Card
This card is designed with Uber “riders in mind,” according to the ridesharing company. And though it offers a terrific rewards rate on Uber rides, your rewards can only be used on future Uber purchases. This is what cardholders receive:
- 5% back in Uber Cash on Uber rides and Uber Eats purchases, as well as JUMP bike and scooter rentals.
- 3% back in Uber Cash on dining, airfare and hotels.
- 1% back in Uber Cash on all other purchases.
- Each point equals one cent that can be used toward Uber.
- For an added kick, this card has a sign-up bonus of $100 in Uber Cash when you spend $500 in the first 90 days.
Best cards to earn rewards via Uber
Any rewards credit card that considers Uber rides in the travel category will offer rewards.
Here are a few cards that will allow you to maximize your rideshare service.
- 3 points per dollar spent on restaurants and travel, including Uber, after the $300 annual travel credit.
- $300 annual credit travel that applies to most travel purchases, including Uber rides.
- 50,000-point sign-up bonus if you spend $4,000 in first three months.
- When redeemed for travel through the Chase Ultimate Rewards portal, Chase Sapphire Reserve cardholders get a 50 percent bonus.
- Up to $100 Global Entry/TSA Precheck credits every four years.
- Priority Pass Select membership.
- $550 annual fee.
Alternative: Apple Card
If you prefer a card without the annual fee, the newly launched Apple card can also be a rewarding option for Uber purchases.
The card offers the following rewards rate:
- 3 percent cash back on Apple purchases and T-Mobile, Walgreens, Duane Reade, Uber and UberEATS purchases made via Apple Pay.
- 2 percent cash back on Apple Pay purchases.
- 1 percent cash back on all other purchases, made using the physical titanium card.
How to score additional discounts for Uber
Beyond using the right credit card for Uber, Sara Skirboll, shopping & trends expert at Retail Me Not, offers some insider tips to earn additional discounts on Uber.
- Check out the carpool option to save: “If you receive an Uber credit to spend on upcoming rides, choose to use Uber Pools so that your money goes a bit further, getting you more rides,” she advises.
- Ride with friends. “If you’re trying to save money, invite your friends to jump in on your discounted ride so you don’t all have to Uber to the gathering separately,” Skirboll says. “They can pay you back for half of the cost of the ride.” When you split a ride with your friends, use Venmo, Zelle or PayPal to pay friends back – the Uber app charges each person a 25 cent fee for splitting a bill and those mobile-wallet options are free as long as you link them to a debit card or bank account.
- Save discounts for a long ride. Make any discount you earn count by applying it to a longer ride rather than a quick trip. “If you have $10 off one upcoming trip, save it for a long ride that is going to cost over $10 so you can apply the
full discount toward the ride,” Skirboll says. “You wouldn’t want to waste it on a short $5 ride because you don’t get to keep the remaining $5.”
- Check out Uber Rewards. “Uber started rolling out Uber Rewards in select cities which allows users to get exclusive deals depending on how often they ride with Uber,” she says. Sign up to be notified about the waitlist in your city.
Editor’s note: This story was updated on Sept. 20, 2019 to reflect the addition of T-Mobile as a 3 percent bonus category on the Apple Card.