Uber Visa Card review

Uber Visa Card review

Published: November 12, 2019
Published: November 12, 2019
Ratings Policy
Rewards Rating:
2.2 rating
2.2 rating
2.2 / 5
Rewards Value: 1.9
Annual Percentage Rate: 0.6
Rewards Flexibility: 2.6
Features: 1.0
Customer Experience 4.1

In a Nutshell:

The Uber Visa Card offers a compelling rewards rate on Uber purchase, but its inflexible redemption scheme severely limits its appeal.

View similar rewards cards

Rewards Rate

  • 5% back in Uber Cash on all Uber purchases including Uber rides, Uber Eats and JUMP bike and scooter rentals
  • 3% back in Uber Cash on dining, airfare and hotels
  • 1% back in Uber Cash on all other purchases

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

Annual Bonus
None

Annual Fee
$0

Average Yearly Rewards Value ($1,325 monthly spend)
$262

APR
17.24-27.99% (variable)

Rewards Redemption

Pros

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

Cons

  • Uber Cash can only be used for Uber purchases
  • Can’t transfer points to other accounts
  • 500 minimum for Uber credit 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 may be rewarding for loyalists of the ride-share service, but its appeal is limited because of its inflexible redemption scheme, which only allows you to apply rewards to future Uber purchases.

That said, if you use Uber frequently and will make use of the Uber Cash you earn, the card may be a good choice since it also offers a decent rewards rate on dining and all sorts of travel purchases without a foreign transaction fee.

Earning rate

The Uber Visa card is most rewarding for those who spend a significant amount on Uber purchases. You’ll earn 5 percent back in Uber Cash on all Uber rides, JUMP bike and scooter rentals and UberEATS orders. This is a terrific rate and easily beats the rate offered by cards like the Chase Sapphire Reserve® (3 points per dollar on ride-shares) and the American Express® Green Card (3 points per dollar on ride-shares and other transit).

The card also earns 3 percent back in Uber Cash on restaurant, airfare, hotel and vacation home rentals, which is comparable to that of many no-annual-fee dining and travel credit cards – including the Capital One SavorOne Credit Card and Wells Fargo Propel American Express®card.

Keep in mind, however, that Uber Cash is not true cash back and can only be used for Uber purchases. Other rewards cards offer much more flexibility in how you redeem your points.

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 in Uber Cash 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

You can only claim your cash back as Uber Cash. You cannot choose any other redemption method like gift cards, a statement credit or deposit into your checking or savings account. Uber Cash can only be used toward future Uber purchases such as Uber 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

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 offers the best rewards rate on the market on Uber rides, other travel cards – like the Chase Sapphire Reserve® – offer much more flexible rewards redemption and 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.

See Related: Best credit cards for Uber

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 rewards cards?

The Uber Visa card can be a very rewarding option for frequent Uber riders, but many other cards offer more flexible redemption and 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:

American Express Green Card

American Express® Green Card

Chase Sapphire Preferred Card

Chase Sapphire Preferred Card

Wells Fargo Propel American Express Card

Wells Fargo Propel American Express® card

Rewards rate

  • 3 points per dollar on travel, transit and dining worldwide
  • 1 point per dollar on other purchases
  • Terms apply
Rewards rate

  • 2:1 travel and restaurants
  • 1:1 general purchases
Rewards rate

  • 3 points per dollar on dining, travel and transit, gas station purchases and select streaming services
  • 1 point per dollar on other purchases
Introductory bonus

  • 30,000 points if you spend $2,000 in first 3 months
  • Up to $100 in credit on Away purchases made in the first 3 months (offer expires 1/15/2020)
Introductory bonus

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

  • 30,000 points if you spend $3,000 in first 3 months
Annual fee

Annual fee

  • $95
Annual fee

Other things to know

  • Includes up to $100 credit for CLEAR biometric security screening membership
  • Includes up to $100 credit for LoungeBuddy
  • Transit bonus category includes ride-shares, buses, Metros, subways and even tolls
Other things to know

Other things to know

  • 1 cent-per-point value whether redeemed for travel, credit, gift cards or cash back

American Express® Green Card

If you’re willing to put up an annual fee, the American Express Green Card could be a good choice. Ideal for frequent restaurant-goers and ride-share users who want a taste of luxury travel, the card offers a good bonus on dining, travel and transit spending (including ride-shares, buses and more) as well as a bevy of perks like credits for CLEAR biometric security screening membership and LoungeBuddy, which allows you to book day passes to airport lounges.

Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card is a good entry-level travel card and a great option for frequent ride-share users, offering a nice sign-up bonus, solid rewards rate on travel and restaurants and flexible redemption options.

Wells Fargo Propel American Express® card

The Wells Fargo Propel card offers a generous bonus on popular categories like dining, gas station purchases, transit and travel (including ride-share purchases) with no annual fee. Its redemption options are flexible and easy to understand, and its sign-up bonus is generous, making it one of the best no-annual-fee travel cards available.

Why get the Uber Visa card?

  • You spend a significant amount on Uber purchases.
  • You use another ride-share or food delivery service frequently and would consider switching to Uber for all such purchases.

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 Uber purchases, including ride-shares, bike and scooter rentals and Uber food delivery.
  • Use the card for all travel, restaurant and hotel purchases to take advantage of bonus points.
  • Pay your monthly cellphone bill with the card to qualify for the insurance.
  • 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 Uber purchases, but its restrictive redemption scheme may be a deal-breaker if your spending habits are more variable.

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