Uber Visa Card review

Uber Visa Card review

Published: October 17, 2019
Published: October 17, 2019
Ratings Policy
Rewards Rating:
3.3 rating
3.3 rating
3.3 / 5
Rewards Value: 2.8
Annual Percentage Rate: 1.9
Rewards Flexibility: 4.2
Features: 1.0
Customer Experience 3.5

In a Nutshell:

Designed for ease-of-use and instant gratification, the new Uber Visa Card’s most compelling feature is not rewards on Uber rides, but rather its unparalleled 4 percent rewards rate on dining out.

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Rewards Rate

  • 4 points per dollar on restaurants, takeout and bars, including UberEATS
  • 3 points per dollar on airfare, hotels and vacation home rentals
  • 2 points per dollar on online purchases, including Uber, online shopping, video and music streaming
  • 1 point per dollar on other purchases
  • $50 credit for online subscription services each year you spend $5,000

Sign-up Bonus
$100 if you spend $500 in first 90 days

Annual Bonus
Up to a $50 credit for online subscription services if you spend $5,000 in a year

Annual Fee
$0

Average Yearly Rewards Value ($1,325 monthly spend)
$339

APR
17.49-28.24% (variable)

Rewards Redemption

Pros

  • Points don’t expire
  • No limits on how many points you can earn
  • Use points for Uber credits, cash back and gift cards
  • Cash back is valued at 1 cent per point
  • You can apply other promotions on top of your Uber credits

Cons

  • Can’t redeem points for travel or merchandise
  • Can’t transfer points to other accounts
  • You can’t get higher values on your points – all redemption options are worth 1 cent per point
  • 2,500 minimum for cash back and gift card redemptions
  • 500 minimum for Uber credit redemptions
  • 50,000-point daily limit for Uber credit and bank account redemptions

Customer Experience

Other Notable Features: No foreign transaction fees, $600 mobile phone insurance, exclusive events and offers, $0 liability

Uber Visa Card Review: More Details

The Uber Visa Card is certainly rewarding for loyalists of the ride-share service, but its biggest appeal is a generous rate on dining purchases. Whether you prefer to dine out or order in, the Uber card makes it easy to earn points on everyday purchases.

The card also makes a good choice for frequent travelers, offering a good rewards rate on all sorts of travel purchases without a foreign transaction fee.

Earning rate

The Uber Visa card is rewarding in a wide variety of categories, but it is most valuable for those who spend a significant amount on restaurant purchases. Users earn 4 points per dollar on restaurant purchases, takeout and bars (including UberEATS orders). While this is not the best rate you can earn on restaurant purchases on a rewards card, it is one of the highest you can find – especially since the card doesn’t charge an annual fee.

Cardholders also earn 3 points per dollar on airfare, hotel and vacation home rentals, 2 points per dollar on online purchases (including Uber rides), video and music streaming and 1 point per dollar on other purchases. This is a pretty good rate on travel, but the online shopping bonus category can be particularly lucrative for savvy spenders. Since both desktop and app purchases qualify for this bonus, you can earn good rewards on all sorts of purchases.

See Related: Best credit cards for streaming services

While these bonus categories can be very lucrative if they line up with your spending, the overall earning rate on the Uber Visa might not be the best you can find. Several other cards that reward dining purchases have better rates in other categories of spending or a higher point value (the Uber Visa card only gets 1 cent per point of value). Here’s a quick look at the estimated rewards value you’ll earn per dollar of spending with other popular dining cards, considering average earning rate and point value.

Nevertheless, the Uber card can be very rewarding if you spend a significant amount on dining, travel and online purchases.

Sign-up bonus

Though not the highest bonus you can find on a rewards card, the Uber Visa comes with a modest sign-up offer of $100 for cardholders who spend $500 in the first 90 days. Luckily, the bonus is easy to earn, only requiring about $167 per month in spend.

Redeeming rewards

Once you’ve earned at least 2,500 points on the Uber Visa card, you have a variety of redemption options. You can choose gift cards, a statement credit, deposit into your checking or savings account or Uber credits – which you can apply to rides or UberEATS purchases.

 

Tip: Keep in mind that while you can use points earned on the Uber Visa Card for Uber credits, the points do not count toward your status in the Uber Rewards program. To advance through the program’s tiers, you’ll need to earn points by taking qualifying rides or making UberEATS orders.  

Cellphone insurance

The Uber Visa comes with a benefit that can be very valuable – cellphone insurance. As long as you pay your monthly phone bill with the card, you can be reimbursed up to $600 if your phone is damaged or stolen.

See Related: Cellphone insurance is little-known perk with some credit cards

$50 credit for Amazon Prime and other streaming services

Uber Visa cardholders are eligible for a $50 statement credit for online subscription services any year they spend $5,000. This is a pretty easy spend threshold to reach and can offset a huge portion of your yearly subscription costs. For example, if you have an Amazon Prime membership, this perk can cut the cost in half.

Other benefits

Beyond cellphone insurance and the credit for streaming services, the Uber Visa is lacking in additional card benefits. Depending on your creditworthiness, you might qualify for a few additional perks, but you’ll have to read the card’s benefits guide after approval to see what you are eligible for.

However, there are a few perks that all Uber Visa cardholders can enjoy, including no foreign transaction fee. This is a nice benefit for frequent travelers, as you can avoid the 2-3 percent fee on foreign purchases charged by many other cards.

Visa Local Offers

If you are eager to earn even more Uber Cash, Uber also boasts a card-linked offer program called Visa Local Offers. This program allows you to earn cash back (in the form of Uber Cash) from restaurants and retailers just by making a purchase with a linked card. You can link as many Visa credit cards to your account as you like, and cash back is awarded automatically.

The cash you’ll earn with a Visa Local Offer can be redeemed either for an Uber ride or UberEATS purchase.

Alternative credit cards for Uber riders

While the Uber Visa is designed with riders in mind, it offers the best rewards rate on dining purchases. Rides with the service will only earn 2 points per dollar, meaning you might be able to find a better deal with another card.

See Related: Best credit cards for Uber

For example, travel cards like the Chase Sapphire Reserve® offer generous rates on all kinds of travel purchases – including Uber rides. With the Reserve card, you’ll earn 3 points per dollar on your ride-share purchases.

Approval odds

The Uber Visa is very easy to apply for. In fact, you can do so right from your Uber app. However, you’ll want to ensure you meet certain qualifications before applying. We recommend the card for users with good to excellent credit (above 670).

Customer service

The Uber Visa is issued by Barclays, which has an excellent customer service reputation. In J.D. Power’s 2019 customer satisfaction survey, Barclays scored 806 – ranking fifth out of 11 major credit card issuers.

On the flip side, the Barclays app receives mixed reviews. While it has a good rating in the Google Play Store (4.1 out of 5), it has a poor rating in the Apple App Store (2.3 out of 5).

How does the Uber Visa compare to other dining cards?

The Uber Visa card can be a very rewarding option for foodies – especially cardholders who also spend a significant amount on travel and online purchases. However, many other dining cards offer good rates on other categories that might more closely align with your spending – making them a more lucrative option. Here’s a quick look at a few popular alternatives:

Capital One Savor card
Capital One® Savor® Cash Rewards Credit Card
American Express Gold Card
American Express® Gold Card
Chase Sapphire Preferred Card
Chase Sapphire Preferred® Card
Rewards rate

  • 8% cash back on tickets through Vivid Seats (offer ends May 2020)
  • 4% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on other purchases
Rewards rate

  • 4 points per dollar at  restaurants worldwide
  • 4 points per dollar at U.S. supermarkets (on up to $25,000 in purchases per year)
  • 3 points per dollar on flights booked directly with airlines or amextravel.com
  • 1 point per dollar on other purchases
Rewards rate

  • 2 points per dollar on travel and restaurant purchases
  • 1 point per dollar on other purchases
Welcome bonus

$300 if you spend $3,000 in first 3 months

Welcome bonus

35,000 points if you spend $4,000 in first 3 months

Welcome bonus

60,000 points if you spend $4,000 in first 3 months

Annual fee

$95 (waived first year)

Annual fee

$250

Annual fee

$95

Other things to know

  • Monthly statement credit for Postmates Unlimited membership (offer ends Dec. 2019)
  • No foreign transaction fee
  • Rewards don’t expire
Other things to know

  • $100 airline fee credit for incidental purchases
  • Up to $120 credit for purchases at participating restaurants
  • Free ShopRunner membership
  • Terms apply
Other things to know

  • 25% higher point value when redeemed for travel through Ultimate Rewards
  • Primary car rental insurance
  • No foreign transaction fee

Capital One Savor

The Capital One Savor card is a favorite among foodies – thanks to a generous rate on both dining and grocery store purchases. Plus, cardholders who spend a significant amount on entertainment (especially tickets through Vivid Seats) can boost their overall earning rate with a top-notch bonus in those categories.

American Express Gold Card

The American Express Gold Card might have a high annual fee, but it is packed with benefits that help offset this cost. On top of generous travel and dining credits every year, cardholders can enjoy the best combined rewards rate on the market for restaurant and U.S. supermarket purchases. Since these categories make up a significant portion of many users’ budgets, it is easy to stockpile Membership Rewards.

Chase Sapphire Preferred Card

The Chase Sapphire Preferred shines as a travel card, with a good rewards rate on dining and travel purchases (including ride-shares, public transportation and more). What really sets it apart, however, is an inflated point value when you redeem your rewards for travel purchases in the Ultimate Rewards portal. This perk allows cardholders to stretch their points further than you can with most rewards cards.

Who should get the Uber Visa card?

  • Cardholders who spend a significant amount on dining, travel and online purchases.
  • Frequent Uber riders who can benefit from redeeming points for Uber credits.
  • Cardholders who spend more than $5,000 per year and more than $50 on online subscription services who can benefit from the credit.

How to use the Uber Visa card:

  • You can sign up for the card through the Uber app and start using it as soon as you’re approved.
  • Use the card for all restaurant, travel and online purchases to take advantage of bonus points.
  • Pay your monthly cellphone bill with the card to qualify for the insurance.
  • Spend at least $5,000 on the card per year to qualify for the subscription service credit.
  • Check regularly for Visa Local Offers to earn more Uber Cash.

Is the Uber Visa card worth it?

The Uber Visa card can be a very rewarding option for cardholders who spend a significant amount on dining purchases. Though its overall rewards rate might not be quite as high as some rewards cards, it can still be a valuable option if it matches your spending patterns.

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