10 Best Credit Cards for Uber and Lyft

Jodie Price

By Jodie Price | Updated October 3, 2025

Finding the right credit card for Uber and Lyft can make every ride more rewarding. Some cards offer monthly ride credits, while others give bonus points or cash back on commuting and travel purchases. With so many options, the best choice depends on how often someone uses these services and the type of rewards they value most.

  • Chase Sapphire Reserve®

    The Chase Sapphire Reserve® shines for its exceptional rewards on Lyft rides, giving frequent riders one of the highest earning rates available. This focus on rideshare benefits makes it especially appealing to those who rely on Lyft and want to get the most value from every trip.

    Beyond ride-hailing, the card offers strong rewards on travel and dining. It also includes premium perks like airport lounge access and flexible point transfers through Chase Ultimate Rewards.

    Earning Structure:

    • 5x points on Lyft rides (through Sept. 2027)
    • 3x points on other travel purchases, including Uber
    • 3x points on dining worldwide
    • 1x point on all other purchases

    Welcome Bonus:

    The card offers 125,000 bonus points for new cardholders after spending $6,000 in the first three months of joining.

    Card Details:

    • Annual fee: $795
    • APR: Variable, typically around 20.24%–28.74%
    • Other benefits: $10 monthly Lyft credit, airport lounge access, travel protections, lifestyle credits
    • Network: Visa
    • Type: Travel rewards
    • Foreign transaction fees: None

    Key Benefits:

    • Monthly Lyft ride credit
    • Strong rewards on travel and dining
    • Airport lounge access through Priority Pass
    • Flexible point transfers to airline and hotel partners

    Redemption Options:

    Points can be redeemed for travel through Chase, transferred to airline and hotel partners, or used for cash back, gift cards, and other options.

    Credit Requirements:

    Applicants generally need excellent credit, usually a score of 740 or higher.

    Spending Limitations / Potential Drawbacks:

    The high annual fee may not be worth it for people who do not travel or use ride-hailing often.

    Why it Works for Beginners:

    It offers simple earning rates and flexible redemption, making it easier for new cardholders to understand and use.

  • Chase Sapphire Preferred® Card

    The Chase Sapphire Preferred® Card rewards Uber and Lyft rides as part of its travel category, giving riders valuable points for every trip. Its simple earning structure makes it ideal for those who use rideshares regularly and want flexible rewards.

    The card also delivers strong points on dining and other travel purchases. It provides added value with travel protections and the ability to transfer points through Chase Ultimate Rewards.

    Earning Structure:

    • 5x points on travel booked through Chase Ultimate Rewards
    • 3x points on dining
    • 2x points on travel (including Uber and Lyft)
    • 1x point on all other purchases

    Welcome Bonus:

    New cardholders can earn 75,000 Chase Ultimate Rewards points after spending $5,000 in the first three months.

    Card Details:

    • Annual fee: $95
    • APR: Variable, typically around 19.99%–28.24%
    • Other benefits: Travel protections, purchase protections, rental car coverage
    • Network: Visa
    • Type: Travel rewards credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Strong travel and dining rewards
    • Flexible Chase Ultimate Rewards program
    • Useful travel protections
    • Low annual fee compared to premium cards

    Redemption Options:

    Points can be redeemed for travel through Chase, transferred to airline and hotel partners, or used for cash back, gift cards, and more.

    Credit Requirements:

    Applicants generally need good to excellent credit (FICO score of 700 or higher) to qualify.

    Spending Limitations / Potential Drawbacks:

    The card has an annual fee and limited bonus categories outside of travel and dining.

    Why it Works for Beginners:

    It offers simple earning categories and flexible redemption options, making it easy for new cardholders to start building rewards.

  • American Express® Green Card

    The American Express® Green Card is a mid-tier travel rewards card that works well for people who use rideshare services often. It focuses on rewarding travel and transit purchases, making it a fit for Uber and Lyft users.

    The card also appeals to frequent travelers who want flexible rewards. It provides access to Membership Rewards points, which can be used for different types of redemptions.

    Earning Structure:

    • 3x points on travel, including transit, rideshares, flights, hotels, and vacation rentals
    • 3x points on dining worldwide
    • 1x point on all other purchases

    Welcome Bonus:

    New cardholders can earn 40,000 bonus points after spending $3,000 in the first six months of membership.

    Card Details:

    • Annual fee: $150
    • APR: Variable, around 20.24%–28.24%
    • Other benefits: Travel credits, statement credits for certain services
    • Network: American Express
    • Type: Charge card with pay-over-time option
    • Foreign transaction fees: None

    Key Benefits:

    • Strong rewards on travel and transit
    • Bonus points on dining worldwide
    • Flexible redemption options through Membership Rewards
    • No foreign transaction fees
    • Useful travel credits

    Redemption Options:

    Points can be redeemed for travel, gift cards, statement credits, or transferred to airline and hotel partners.

    Credit Requirements:

    For higher chances of approval, applicants generally need good to excellent credit, with a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    The card has an annual fee and may not provide enough value for people who do not travel or use rideshares often.

    Why it Works for Beginners:

    It offers simple earning categories and flexible redemptions, making it easier for new cardholders to maximize rewards.

  • Chase Freedom Unlimited®

    The Chase Freedom Unlimited® is a flexible rewards card that works well for both everyday purchases and rides with Uber or Lyft. It offers simple earning rates and fits a wide range of spending habits.

    Cardholders can use it for dining, travel, and daily expenses while still earning rewards on each purchase. Its partnership with Lyft adds extra value for those who use ride-hailing often.

    Earning Structure:

    • 5% back on travel booked through Chase Travel℠
    • 3% back on dining and drugstore purchases
    • 2% back on Lyft rides (through Sept. 30, 2027)
    • 1.5% back on all other purchases, including Uber

    Welcome Bonus:

    New cardholders can earn $200 cash back after spending $500 within the first three months of joining.

    Card Details:

    • Annual fee: $0
    • APR: 18.99%–28.49% variable
    • Other benefits: Purchase protection, extended warranty, travel protections
    • Network: Visa
    • Type: Cash back / rewards
    • Foreign transaction fees: 3%
    • Additional perks: Access to the Chase Ultimate Rewards portal

    Key Benefits:

    • No annual fee to maintain the card
    • Simple flat-rate earnings on all purchases
    • Extra rewards on Lyft rides through Chase partnership
    • Flexible redemption options through Chase Ultimate Rewards
    • Strong bonus categories for dining and travel

    Redemption Options:

    Rewards can be redeemed for cash back, travel, gift cards, or transferred to travel partners when paired with certain Chase cards.

    Credit Requirements:

    Applicants need good to excellent credit (FICO score starting at 670) to qualify.

    Spending Limitations / Potential Drawbacks:

    Foreign transaction fees and no premium travel perks may limit its value for frequent international travelers.

    Why it Works for Beginners:

    It provides simple earning categories, no annual fee, and easy-to-use rewards, making it beginner-friendly.

  • Alaska Airlines Visa Signature® Credit Card

    The Alaska Airlines Visa Signature® Credit Card offers bonus miles on ride-hailing purchases, making it a practical option for frequent Uber and Lyft users who also value airline rewards. Its straightforward earning system helps riders gain miles while managing everyday expenses.

    The card further rewards Alaska Airlines purchases and includes perks like a free checked bag and an annual companion fare. These benefits add extra value for travelers seeking both flight savings and rideshare rewards.

    Earning Structure:

    • 3x miles on Alaska Airlines purchases
    • 2x miles per dollar spent on ride-hailing
    • 1x mile on all other purchases

    Welcome Bonus:

    New cardholders can earn 50,000 bonus miles after spending $3,000 in the first three months of membership.

    Card Details:

    • Annual fee: $95
    • APR: Variable, around 20.24%–28.24%
    • Other benefits: Free checked bag, companion fare, in-flight savings
    • Network: Visa
    • Type: Travel rewards credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Earn bonus miles on Alaska Airlines purchases
    • Companion fare benefit each year
    • First checked bag free on Alaska flights
    • No foreign transaction fees
    • Access to Oneworld partner redemptions

    Redemption Options:

    Miles can be redeemed for flights on Alaska Airlines and Oneworld partner airlines like American Airlines, Japan Airlines, and Qantas.

    Credit Requirements:

    Applicants typically need good to excellent credit to qualify, with a FICO score of 670–850.

    Spending Limitations / Potential Drawbacks:

    The card earns only 1x miles on non-Alaska purchases, which may limit value for those who do not fly Alaska often.

    Why it Works for Beginners:

    It offers a straightforward way to earn airline miles and provides simple, travel-focused benefits that are easy to use.

  • Citi Double Cash® Card

    The Citi Double Cash® Card is a simple cash back card that works well for everyday spending. It provides consistent rewards without requiring users to track categories.

    This card is popular with people who want steady earnings across all purchases. It also carries the benefits of a World Elite Mastercard, which includes perks for Lyft rides.

    Earning Structure:

    • 1% cash back when making a purchase
    • 1% cash back when paying it off
    • Total of up to 2% cash back on every transaction

    Welcome Bonus:

    New cardholders can earn $200 cash back after spending $1,500 within the first six months of membership.

    Card Details:

    • Annual fee: $0
    • APR: Variable, around 18.24%–28.24%
    • Other benefits: World Elite Mastercard perks, including Lyft credits
    • Network: Mastercard
    • Type: Cash back credit card
    • Foreign transaction fees: 3%
    • Additional perks: Access to Citi ThankYou Rewards when paired with eligible Citi cards

    Key Benefits:

    • No annual fee to maintain the card
    • Flat 2% cash back on all purchases
    • Ability to convert cash back to Citi ThankYou points
    • Mastercard World Elite benefits, including Lyft offers
    • Simple earning structure with no rotating categories

    Redemption Options:

    Cash back can be redeemed as a statement credit, direct deposit, check, or converted into ThankYou points with other Citi cards.

    Credit Requirements:

    Applicants usually need good to excellent credit (FICO score of 670 or higher) to qualify.

    Spending Limitations / Potential Drawbacks:

    The card charges a 3% foreign transaction fee, making it less useful for international travel.

    Why it Works for Beginners:

    Its straightforward earning system makes it easy for new cardholders to understand and use effectively.

  • Capital One Venture Rewards Credit Card

    The Capital One Venture Rewards Credit Card is a flexible travel card that works well for everyday spending and rideshare services like Uber and Lyft. It offers simple earning rules, making it easy for cardholders to track rewards.

    This card appeals to people who want to earn miles without worrying about bonus categories. It also provides access to travel transfer partners, which can help maximize redemption value.

    Earning Structure:

    • 5x miles on hotels and rental cars booked through Capital One Travel
    • 2x miles on every purchase, including ride-hailing services

    Welcome Bonus:

    New cardholders can earn 75,000 miles after spending $4,000 in the first three months of card membership.

    Card Details:

    • Annual fee: $95
    • APR: Variable, around 19.99%–29.24%
    • Other benefits: TSA PreCheck/Global Entry credit, travel protections
    • Network: Visa
    • Type: Travel rewards
    • Foreign transaction fees: None

    Key Benefits:

    • Flat-rate 2x miles on purchases
    • Extra rewards on Capital One Travel bookings
    • Transfer miles to 15+ airline and hotel partners
    • Global Entry or TSA PreCheck credit
    • No foreign transaction fees

    Redemption Options:

    Miles can be redeemed for travel purchases, transferred to partners, or used for statement credits.

    Credit Requirements:

    Applicants generally need good to excellent credit to qualify, often with a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    The card has an annual fee and does not offer bonus categories beyond travel bookings.

    Why it Works for Beginners:

    Its simple 2x earning structure makes it easy for new cardholders to understand and use effectively.

  • Blue Cash Preferred® Card From American Express

    The Blue Cash Preferred® Card from American Express is a cash back credit card designed for everyday spending. It rewards purchases in categories where many households spend the most.

    It also includes benefits that make it appealing for those who frequently use services like Uber or Lyft. Cardholders can earn strong rewards without needing to track complex points systems.

    Earning Structure:

    • 6% cash back at U.S. supermarkets (up to $6,000 per year, then 1% after)
    • 6% cash back on select U.S. streaming services
    • 3% cash back at U.S. gas stations and on transit (including ride-hailing apps)
    • 1% cash back on other purchases

    Welcome Bonus:

    The card offers a $250 statement credit after spending $3,000 in eligible purchases within the first six months.

    Card Details:

    • Annual fee: $0 intro for the first year, then $95 after
    • APR: Variable, around 20.24%–29.24%
    • Other benefits: Buy Now, Pay Later with $0 intro plan fees, Amex Offers, purchase protection
    • Network: American Express
    • Type: Cash back
    • Foreign transaction fees: 2.7%
    • Additional perks: Access to Amex customer support and digital account management

    Key Benefits:

    • High cash back at supermarkets and streaming services
    • Strong rewards for transit and ride-hailing
    • Intro annual fee waiver in year one
    • Access to Amex Offers for extra savings
    • Purchase protection on eligible items

    Redemption Options:

    Cash back is redeemed as statement credits, making it simple to use.

    Credit Requirements:

    Applicants typically need good to excellent credit, often a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    The supermarket bonus caps at $6,000 per year, and foreign transaction fees apply.

    Why it Works for Beginners:

    It offers straightforward cash back rewards that are easy to understand and redeem.

  • Apple Card

    The Apple Card is a simple cash back credit card designed for everyday spending. It focuses on ease of use through the Wallet app and offers clear spending insights.

    It does not include premium travel perks or lounge access. Cardholders can earn simple rewards on everyday purchases that can be used for rides with Uber and Lyft, offering flexibility for frequent riders.

    Earning Structure:

    • 3% cash back on purchases with Apple, Uber, and Uber Eats
    • 2% cash back on purchases made with Apple Pay
    • 1% cash back on all other purchases

    Welcome Bonus:

    The Apple Card does not currently offer a welcome bonus.

    Card Details:

    • Annual fee: $0
    • APR: Variable, typically 18.24%–28.49%
    • Other benefits: Free 6-month Uber One trial for eligible users
    • Network: Mastercard
    • Type: Cash back
    • Foreign transaction fees: None
    • Additional feature: Daily cash rewards paid instantly

    Key Benefits:

    • No annual fee to maintain the card
    • Uber purchases qualify for the 3% Daily Cash rate
    • Daily Cash rewards are available instantly and can be applied directly to Uber or Lyft rides through Apple Pay or used as a statement credit
    • Integrated with Apple Wallet for easy tracking
    • No foreign transaction fees

    Redemption Options:

    Cash back is redeemed as Daily Cash, which can be applied to future Uber or Lyft rides through Apple Pay, sent to Apple Cash, or used as a statement credit.

    Credit Requirements:

    Applicants generally need good to excellent credit, typically with a FICO score of at least 660.

    Spending Limitations / Potential Drawbacks:

    The card does not offer travel protections or premium perks, and the highest rewards are limited to Apple, Uber, and Apple Pay purchases.

    Why it Works for Beginners:

    It works well for beginners because it has no annual fee, simple cash back rewards, and easy integration with Apple devices.

  • The Platinum Card® from American Express

    The Platinum Card® from American Express is a premium travel rewards card designed for frequent travelers. It offers a wide range of perks that include travel credits, lounge access, and rewards on everyday spending.

    Cardholders can use the benefits to save money on travel and rideshare services like Uber. The card also provides access to Membership Rewards points that can be redeemed in flexible ways.

    Earning Structure:

    • 5x points on flights booked directly with airlines or Amex Travel
    • 5x points on prepaid hotels booked through Amex Travel
    • 1x points on other eligible purchases, including ride-hailing apps

    Welcome Bonus:

    New cardholders can earn a large Membership Rewards bonus, even up to 175,000 points, after spending $8,000 within the first six months.

    Card Details:

    • Annual fee: $695
    • APR: Variable, typically around 20.24%–29.24%
    • Other benefits: $200 hotel credit, Uber Cash credits, lounge access
    • Network: American Express
    • Type: Charge card with pay-over-time options
    • Foreign transaction fees: None

    Key Benefits:

    • Monthly Uber Cash credits
    • Access to airport lounges worldwide
    • Hotel and airline statement credits
    • Strong travel insurance protections
    • Premium concierge services

    Redemption Options:

    Points can be redeemed for travel, gift cards, statement credits, or transferred to airline and hotel partners.

    Credit Requirements:

    Applicants generally need good to excellent credit, often starting around a 670 FICO score.

    Spending Limitations / Potential Drawbacks:

    The high annual fee and limited bonus categories outside of travel may not suit all spending habits.

    Why it Works for Beginners:

    Beginners who travel often can benefit from the built-in Uber credits and straightforward point redemption options.

Frequently Asked Questions

How can frequent rideshare users track spending to maximize rewards?

Using a budgeting app or the built-in analytics of a digital wallet helps identify patterns in rideshare spending. Tracking monthly totals shows when a rewards card delivers the best value. This insight allows riders to plan trips or adjust payment methods to earn more points or cash back.

What strategies help avoid overspending on rideshare services?

Setting weekly ride budgets and scheduling shared rides can keep costs under control. Monitoring surge pricing and opting for public transit when prices spike also saves money. These habits help ensure that any rewards earned do not come at the expense of financial stability.

How do changing city regulations affect rideshare reward potential?

Local rules, such as caps on ride-hailing fares or new service fees, can raise trip costs and reduce net rewards. Riders in cities with higher taxes or surcharges may need to take more trips to achieve the same value. Staying informed about local policies helps maintain realistic expectations for rewards.

What is the impact of seasonal demand on rideshare costs and rewards?

Peak travel periods like holidays and major events can increase surge pricing, making rides more expensive. Higher fares may generate more rewards, but the added cost can outweigh the benefit. Planning travel outside of peak times keeps both expenses and rewards balanced.

How can riders use multiple payment methods to optimize rewards?

Linking several rewards cards to a rideshare account lets users select the best card for each trip. They may use a travel rewards card during promotions and a cash back card when there are no bonuses. Switching strategically ensures the highest possible return on every ride.