Over the past few years, we’ve embraced ride-hailing services so fully that it’s hard to imagine a time when our only options to get around a new city were public transportation or calling a taxi.
But as convenient as they are, services like Uber and Lyft can get expensive. Fortunately, ride-hailing services have become a common bonus category for both travel credit cards and cash-back credit cards, and many cards offer specific credits and benefits when you book a ride via an app.
Let’s break down the best Uber and Lyft credit cards to help you maximize your earnings on each trip.
Overview of the best credit cards for Uber and Lyft
|
Card |
Earn rates and benefits |
Annual fee |
Return on spending* |
|---|---|---|---|
| <a href=”https://thepointsguy.com/oc/221211836?pid=221211836&name=Chase%20Sapphire%20Reserve%20PID&issuer=Chase” target=”_blank”>Chase Sapphire Reserve®</a> (see <a href=”/tc/221211836?pid=221211836&name=Chase%20Sapphire%20Reserve%20PID&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | <ul> <li>Earn 5 points per dollar spent on Lyft rides through Sept. 30, 2027</li> <li>Earn 1 point back per dollar spent on all nonbonus category purchases, including Uber</li> <li>Cardholders get an up to $300 travel credit each cardmember anniversary (bonus points will not be received for charges that trigger the credit)</li> </ul> |
$795 | <ul> <li>10.25% on Lyft</li> <li>2.05% on Uber</li> </ul> |
| <a href=”https://thepointsguy.com/oc/22125056?pid=22125056&name=Chase%20Sapphire%20Preferred%C2%AE%20Card%20PID&issuer=Chase” target=”_blank”>Chase Sapphire Preferred® Card</a> (see <a href=”/tc/22125056?pid=22125056&name=Chase%20Sapphire%20Preferred%C2%AE%20Card%20PID&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | <ul> <li>Earn 5 points per dollar spent on Lyft rides through Sept. 30, 2027</li> <li>Earn 2 points per dollar spent on travel, including Uber rides</li> </ul> |
$95 | <ul> <li>10.25% on Lyft</li> <li>4.1% on Uber</li> </ul> |
| <a href=”https://thepointsguy.com/credit-cards/reviews/american-express-green-card-review/”>American Express® Green Card</a>** | <ul> <li>Earn 3 points per dollar spent on transit, including ride-hailing services</li> </ul> |
$150 | <ul> <li>6%</li> </ul> |
| <p id=”rewards” class=”luna-sectionTitle”><a href=”https://thepointsguy.com/oc/221211281?pid=221211281&name=Chase%20Freedom%20Unlimited%C2%AE%20PID&issuer=Chase” target=”_blank”>Chase Freedom Unlimited®</a> (see <a href=”/tc/221211281?pid=221211281&name=Chase%20Freedom%20Unlimited%C2%AE%20PID&data-testid=ratesFees” target=”_blank”>rates and fees</a>)</p> | <ul> <li>Earn 2% cash back on Lyft rides through Sept. 30, 2027</li> <li>Earn 1.5% cash back on all other nonbonus category purchases, including Uber</li> </ul> |
$0 | <ul> <li>2% on Lyft</li> <li>1.5% on Uber</li> </ul> |
| <a href=”https://thepointsguy.com/oc/6951?pid=6951&name=Atmos%E2%84%A2%20Rewards%20Ascent%20Visa%20Signature%C2%AE%20Credit%20Card&issuer=Bank%20of%20America” target=”_blank”>Atmos™ Rewards Ascent Visa Signature® Credit Card</a> | <ul> <li>Earn 2 points per dollar spent on ride-hailing</li> </ul> |
$95 | <ul> <li>3%</li> </ul> |
| <a href=”https://thepointsguy.com/oc/221410494?pid=221410494&name=Citi%20Double%20Cash%C2%AE%20Card&issuer=Citi” target=”_blank”>Citi Double Cash® Card</a> (see <a href=”/tc/221410494?pid=221410494&name=Citi%20Double%20Cash%C2%AE%20Card&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | <ul> <li>Earn 2% cash back on all purchases (1% when you buy, plus 1% when you pay)</li> </ul> |
$0 | <ul> <li>2%</li> </ul> |
| <a href=”https://thepointsguy.com/credit-cards/capital-one-venture/” target=”_blank” rel=”noopener”>Capital One Venture Rewards Credit Card</a> | <ul> <li>Earn 2 miles per dollar spent on all nonbonus purchases, including ride-hailing services</li> </ul> |
$95 | <ul> <li>3.7%</li> </ul> |
| <a href=”https://thepointsguy.com/oc/22036110?pid=22036110&name=Blue%20Cash%20Preferred%C2%AE%20Card%20from%20American%20Express&issuer=American%20Express” target=”_blank”>Blue Cash Preferred® Card from American Express</a> | <ul> <li>Earn 3% cash back on transit, including ride-hailing services</li> </ul> <p><em>Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.</em></p> |
$0 introductory annual fee for the first year, then $95 (see <a href=”/tc/22036110?pid=22036110&name=Blue%20Cash%20Preferred%C2%AE%20Card%20from%20American%20Express&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | <ul> <li>3%</li> </ul> |
| <a href=”https://thepointsguy.com/credit-cards/apple-card-review/” target=”_blank” rel=”noopener”>Apple Card</a>** | <ul> <li>Earn 3% Apple Cash on Uber and Uber Eats (must use Apple Pay)</li> </ul> |
$0 | <ul> <li>3% on Uber if Apple Pay is used</li> </ul> |
| <a href=”https://thepointsguy.com/oc/22504813?pid=22504813&name=The%20Platinum%20Card%C2%AE%20from%20American%20Express&issuer=American%20Express” target=”_blank”>The Platinum Card® from American Express</a> | <ul> <li>Earn 1 point per dollar spent on nonbonus spending, including ride-hailing</li> <li>Up to $15 in Uber Cash per month from Jan. through Nov., plus an additional up to $20 in Uber Cash in Dec. (up to $200 per calendar year, must add your Amex Platinum to your Uber account and redeem with any Amex card; U.S. only)</li> <li>Up to a $120 statement credit that fully covers an auto-renewing $96 annual or $9.99 monthly membership to Uber One (enrollment required)</li> </ul> |
$895 (see <a href=”/tc/22504813?pid=22504813&name=The%20Platinum%20Card%C2%AE%20from%20American%20Express&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | <ul> <li>2%</li> </ul> |
| <a href=”https://thepointsguy.com/oc/10615?pid=10615&name=Bilt%20Mastercard%C2%AE&issuer=Bilt” target=”_blank”>Bilt Mastercard®</a> (see <a href=”/tc/10615?pid=10615&name=Bilt%20Mastercard%C2%AE&data-testid=ratesFees” target=”_blank”>rates and fees</a>) | <ul> <li>Earn 5 points per dollar spent on Lyft purchases (Bilt Rewards must be set as your active Lyft loyalty partner</li> <li>Earn 2 points per dollar spent on travel, including Uber rides</li> </ul> <p>You must make at least five eligible transactions on your card to earn bonus points</p> <p>See Bilt <a href=”https://www.biltrewards.com/terms/rewards-and-benefits”>Rewards and Benefits</a></p> |
$0 | <ul> <li>11% on Lyft</li> <li>4.4% on Uber</li> </ul> |
*Valuations are based on TPG’s September 2025 valuations and are not provided by card issuers.
**The information for the American Express Green Card and the Apple Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
The best credit cards for Uber and Lyft
Chase Sapphire Reserve
Annual fee: $795
Rewards on ride-hailing: 5 points per dollar spent on Lyft purchases through Sept. 30, 2027, and 1 point back per dollar spent on all nonbonus category purchases, including Uber
Why it’s great for ride-hailing: The Chase Sapphire Reserve — one of the best travel credit cards on the market— offers 5 points per dollar spent on Lyft purchases (through Sept. 30, 2027).
The Lyft and Uber benefits with the Sapphire Reserve don’t end with the earning structure — there’s also the $300 annual travel credit that comes with the card. Because Chase considers ride-hailing services to be a travel expense, you can potentially get up to $300 off your rides every year thanks to the travel credit. Chase automatically reimburses you in statement credits for your eligible travel purchases.
To learn more, read our full review of the Chase Sapphire Reserve.
Apply here: Chase Sapphire Reserve
Chase Sapphire Preferred Card
Annual fee: $95
Rewards on ride-hailing: 5 points per dollar spent on Lyft rides through Sept. 30, 2027, and 2 points per dollar spent on travel, which includes Uber
Why it’s great for ride-hailing: While it has a lower earning rate than the Chase Sapphire Reserve (and no travel credit), the Preferred is a good choice if you prefer not to pay a steep annual fee.
Additionally, the Sapphire Preferred has a solid welcome bonus. New cardholders can earn 75,000 bonus points after spending $5,000 on purchases in the first three months from account opening. According to TPG’s valuations, this welcome offer is worth a whopping $1,538.
To learn more, read our full review of the Chase Sapphire Preferred.
Apply here: Chase Sapphire Preferred
American Express Green Card
Annual fee: $150
Rewards for ride-hailing: 3 points per dollar spent on transit, including Lyft and Uber
Why it’s great for ride-hailing: When Amex relaunched the Green Card back in 2019, it added expanded bonus categories to the benefits list — including 3 points per dollar spent on transit (Lyft and Uber purchases fall into that category).
This card earns Membership Rewards points, which TPG’s valuations peg at 2 cents apiece. That’s a 6% return on all of your Uber and Lyft spending.
To learn more, read our full review of the Amex Green Card.
Chase Freedom Unlimited
Annual fee: $0
Rewards on ride-hailing: 2% cash back on Lyft rides through Sept. 30, 2027, along with 1.5% cash back on all other nonbonus category purchases
Why it’s great for ride-hailing: The Freedom Unlimited is the card for you if you prefer cash back over transferable points and miles (and enjoy not paying an annual fee).
However, you can get even more value from this card when you pair it with a premium card like the Sapphire Preferred or Sapphire Reserve.
Chase allows you to combine your Ultimate Rewards points into a single account, effectively converting your cash-back rewards on the Freedom Unlimited to fully transferable points if you have an eligible card like those mentioned above.
To learn more, read our full review of the Chase Freedom Unlimited.
Apply here: Chase Freedom Unlimited
Atmos Rewards
Annual fee: $95
Rewards for ride-hailing: 2 points per dollar spent on ride-hailing services
Why it’s great for ride-hailing: Alaska Airlines Atmos Rewards points are some of the most highly valued airline currencies based on our valuations, providing a solid rate of return on your spending and points that you can redeem for aspirational flights.
To learn more, read our full review of the Atmos Rewards Ascent card.
Apply here: Atmos Rewards Ascent Visa Signature Credit Card
Citi Double Cash Card
Annual fee: $0
Rewards for ride-hailing: Earn 2% cash back on every purchase — including ride-hailing services — broken up as 1% when you buy and 1% when you pay your bill
Why it’s great for ride-hailing: The Citi Double Cash offers up to 2% across every purchase, including Lyft and Uber purchases. This is one of the highest-earning, flat-rate cash-back cards on the market, and it’s a common choice for those who want a straightforward way to earn rewards across every purchase.
Plus, you can now transfer the rewards you earn to Citi’s travel partners, although you’ll receive a less favorable rate if you don’t also have one of Citi’s more premium cards.
To learn more, read the Citi Double Cash review.
Apply now: Citi Double Cash® Card
Capital One Venture Rewards Credit Card
Annual fee: $95
Rewards for ride-hailing: Earn 2 miles per dollar spent on nonbonus spending, including ride-hailing apps like Lyft and Uber
Why it’s great for ride-hailing: The Venture Rewards offer simple miles-earning with no bonus categories to remember for a modest annual fee.
The Venture Rewards remains a strong option for all transit expenses, including Uber and Lyft. You’ll earn Capital One miles, which can be redeemed for travel purchases at 1 cent per mile or transferred to one of Capital One’s 15-plus transfer partners to receive maximum value.
To learn more, read our full review of the Capital One Venture Rewards Credit Card.
Learn more: Capital One Venture Rewards Credit Card
Blue Cash Preferred Card from American Express
Annual fee: $0 introductory annual fee for the first year, then $95
Rewards for ride-hailing: Earn 3% cash back on transit, including ride-hailing services like Lyft and Uber.
Why it’s great for ride-hailing: The Blue Cash Preferred is another Amex card that received a makeover in 2019, adding expanded earning categories.
One of those additional categories was transit, which includes Lyft and Uber purchases. This card remains a strong option to use on all of your transit expenses, including Uber and Lyft. Cash back is received as reward dollars that can be redeemed as a statement credit and at Amazon.com checkout.
To learn more, read our full review of the Blue Cash Preferred.
Apply here: Blue Cash Preferred Card
Apple Card
Annual fee: $0
Rewards for ride-hailing: Earn 3% cash back on Uber and Uber Eats (must use Apple Pay)
Why it’s great for ride-hailing: The truth is, this card is best for true Apple loyalists since you only earn the highest Daily Cash at select merchants like Apple, Uber and Walgreens when paying with Apple Pay.
You’ll receive Daily Cash right after each purchase. That’s good if you’re a fan of simple cash back, but if you’re going for points or miles, this card isn’t the best choice.
To learn more, read our full review of the Apple Card.
The Platinum Card from American Express
Annual fee: $895
Rewards for ride-hailing: Earn 1 point per dollar spent on nonbonus spending, including ride-hailing services, plus get access to various benefits (see below).
Why it’s great for ride-hailing: While you won’t earn bonus rewards on Uber or Lyft purchases, the Platinum Card is one of the best options out there for Uber perks.
The highlight of those benefits is up to $200 in Uber Cash to use annually (for U.S. services), which is broken down as up to $15 each month, plus an up to $20 bonus in December (up to $35 total for this month). Uber Cash will only be deposited into one Uber account when you add the Amex Platinum as a payment method and redeem with any Amex card.
Once you’ve done that, the monthly Uber Cash will be loaded into your Uber account automatically at the beginning of each month. As an Amex Platinum cardmember, you’ll also get Uber VIP status, which allows you to request top-rated drivers in select cities.
Just note that this Uber Cash doesn’t roll over from month to month, but it’s also valid for Uber Eats orders in the U.S. Be sure to use it before the last day of the month so it doesn’t go to waste.
Plus, you’ll receive up to a $120 statement credit that fully covers an auto-renewing $96 annual or $9.99 monthly membership to Uber One (enrollment required).
To learn more, read our full review of the Amex Platinum Card.
Apply here: Amex Platinum Card
Bilt Mastercard
Annual fee: $0
Rewards for ride-hailing: Earn 5 points per dollar spent on Lyft purchases and 2 points per dollar spent on all travel purchases, including Uber. Note that you must make at least five transactions each billing cycle to qualify for bonus points, and your Lyft account must be connected to Bilt
Why it’s great for ride-hailing: The Bilt Mastercard is a great option for earning bonus points with either ride-hailing platform, but you get more bang for your buck with Lyft.
Plus, this card is the only card that lets you earn bonus points when paying your rent without a transaction fee (earning on rent is limited to up to 100,000 points each calendar year, and you must make five eligible card transactions to earn bonus points).
Bilt Points are the most valuable rewards currency based on our valuations and can be transferred to one of Bilt’s 21 travel partners for maximum value.
TPG Brian Kelly is a Bilt advisor and investor
To learn more, read our full review of the Bilt Mastercard.
Apply here: Bilt Mastercard
Bottom line
With ride-hailing being an integral part of modern travel, it makes sense to maximize your credit card benefits when booking a service like Uber or Lyft. The trick is to find the card or cards that work for you — as you can see, there’s no shortage of solid options available.
Related: The best cards for every bonus category
For rates and fees of the Amex Platinum Card, click here.
For rates and fees of the Amex Blue Cash Preferred card, click here.
For rates and fees of the Bilt Mastercard, click here.
For rewards and benefits of the Bilt Mastercard, click here.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
