Best Credit Card for Uber in 2026

Other Options to Consider

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Chase Sapphire Reserve®

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Capital One Venture Rewards Credit Card

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How to Choose a Credit Card for Uber

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Whether you use Uber for your daily commute or occasional trips, pairing your account with the right credit card is a simple way to earn valuable rewards on your spending.

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A common pitfall is getting tunnel vision on a card's Uber rewards rate while ignoring a steep annual fee that could cancel out your earnings. Be sure to evaluate the card's overall value, weighing its benefits and rewards across all your spending categories to find the best fit for your wallet.

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Key Factors

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• Rewards Rate: Look for cards that offer a high rewards rate specifically on ridesharing or a broader travel category that includes Uber.
• Annual Fee: Consider whether the rewards and benefits you'll earn from your Uber spending and other purchases will outweigh the card's annual fee.
• Uber-Specific Credits: Some premium cards offer annual credits for Uber or Uber Eats, which can directly offset the cost of your rides and the card's fee.
• Welcome Offer: A generous welcome offer can provide a substantial boost in value, but make sure you can meet the minimum spending requirement to earn it.
• Broader Reward Categories: Evaluate how the card rewards your spending in other frequent categories, such as dining or groceries, to maximize its overall value.
• Redemption Flexibility: The best rewards are ones you can easily use, so check if points can be redeemed for cash back, travel, or transferred to airline and hotel partners.

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What to Watch Out For

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Beyond the annual fee, watch out for cards with restrictive rewards, like spending caps that limit how much you can earn or Uber credits that are paid out in monthly increments you might not fully use. It's also wise to be realistic about welcome offers; don't overspend just to hit a minimum spending requirement if it's outside your normal budget.

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Decision Flow

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Your ideal card depends on your spending habits and financial goals. Use this decision flow to pinpoint the best type of card for your Uber usage.

If you’re a frequent traveler who uses Uber often and values premium perks, then a high-end travel card is your best match. While these cards carry steep annual fees, they often include annual Uber credits that can significantly offset the cost. Cards like the American Express® Platinum Card® or Chase Sapphire Reserve® fit this profile, bundling Uber benefits with other luxury perks like airport lounge access. For the Chase Sapphire Reserve®, remember that points are not earned on travel until after the first $300 is spent annually, as this spending goes toward the card's $300 Annual Travel Credit.

If you want strong rewards on ridesharing without a top-tier annual fee, then a mid-tier travel or dining card is a great choice. These cards typically offer bonus rewards on broader categories like travel or transit, which include Uber. They provide a solid return on your spending and often come with flexible redemption options, striking a balance between benefits and cost.

If you use Uber occasionally and prefer to avoid an annual fee, then look for a card that rewards you for everyday spending categories that include Uber. For instance, some cards like the Capital One SavorOne card offer elevated cash back on Uber & Uber Eats, making it a simple way to earn without committing to a fee.

If you pay rent and want to earn points on that significant expense, then the Bilt Mastercard® (See Rates & Fees) could be a unique fit. While its main appeal is earning points on rent payments, it also rewards spending on ridesharing. Just keep in mind that you must use the card 5 times each statement period to earn points.

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Maximize Your Return with Uber

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To get the most out of every dollar you spend on rides and food delivery, here are some key strategies for maximizing your credit card rewards with Uber.

• Choose the right card: Select a credit card that offers bonus rewards on travel, transit, or dining, as Uber and Uber Eats purchases typically fall into these categories.
• Stack with Uber One: Combine your credit card rewards with an Uber One membership to get additional benefits like discounts on rides and free delivery on Uber Eats orders.
• Leverage card-specific Uber credits: Many premium travel cards offer annual Uber credits; load these directly into your Uber Cash balance to ensure you use the full amount before it expires.
• Activate special offers: Regularly check your credit card's online portal for limited-time promotions or targeted offers that can provide extra cash back or points on Uber spending.
• Optimize your redemptions: Instead of just paying your statement, consider if redeeming your points for Uber gift cards offers a better value, as some loyalty programs provide a bonus on this type of redemption.
• Distinguish between rides and eats: Use a card that rewards travel for Uber rides and a different card that maximizes dining rewards for your Uber Eats orders to ensure you're earning the highest rate on every transaction.

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Supercharge your Rewards with Kudos

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Kudos is a free app that automatically selects your highest-earning credit card for every purchase, helping you earn up to $750 more in rewards annually. Get started for free.

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Other Things to Consider

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While a card that rewards your Uber rides is great, it's wise to consider your broader spending habits before committing. For instance, if you frequently use Uber to get to the airport for flights with a specific airline, a co-branded airline card might offer more overall value than a general travel card. Regardless of the card you choose, disciplined financial management is paramount, as carrying a balance can quickly negate any rewards you earn through high interest charges. It's also important to balance your credit usage with other financial tools, like cash or "buy now, pay later" (BNPL) services, ensuring you don't overextend yourself across different payment methods. The best card fits seamlessly into a well-managed financial strategy, not just your Uber wallet.

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Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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What makes a credit card good for Uber?

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A great credit card for Uber typically offers high rewards on travel, transit, or dining, as Uber purchases often fall into these categories. Some premium cards also provide specific statement credits for rideshare services.

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Can I earn rewards on Uber Eats orders too?

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Yes, many credit cards that offer bonus rewards on dining also extend those rewards to food delivery services like Uber Eats. Always check your card's specific terms to confirm how it categorizes these purchases.

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Are there credit cards that offer specific Uber credits?

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Absolutely. Several premium travel credit cards include annual or monthly credits specifically for Uber or Uber Eats as part of their benefits package.

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