New technology has changed the way many people get around. Ridesharing has become an incredibly popular transportation option, and that’s especially true in big cities where Uber and Lyft drivers are easy to find. With just your smartphone and a few taps of your finger, you can get a ride to the airport, dinner with friends or anywhere else you want to go.
Unsurprisingly, some of the best cash back and rewards credit cards now offer perks like bonus rewards, ridesharing credits and limited-time promotions, which can be especially beneficial to frequent rideshare users. Check out the best cards for Uber and Lyft.
Top cards for rideshare
A handful of rewards credit cards offer special benefits for Uber, Lyft or both. Find out which are the top cards for Uber and Lyft below.
Best credit cards for Uber
These cards offer exclusive benefits, such as bonus rewards on Uber rides and Uber Eats or statement credits for Uber. Some even offer travel insurance for added peace of mind while you’re on the go, and others even offer rewards for both Lyft and Uber.
Best for Uber Cash credits
The Platinum Card® from American Express
Recommended credit score:Good to Excellent
Reward Details
5XEarn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
5XEarn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Bankrate’s view
The Platinum Card® from American Express is an excellent choice for rideshare users because it offers up to $200 in annual Uber Cash credits which can be used for rides or food deliveries plus you’ll be automatically enrolled as an Uber VIP. On top of that, the Amex Platinum features numerous other credits you can take advantage of when you pay with your card.
Pros
This card has a generous travel rewards program, including airport lounge access, credit for airline incidental fees, extensive travel protections and insurance, annual hotel credits and more.
Annual credits, such as for entertainment services like Hulu and Disney+, Equinox fitness membership and Walmart+ membership, can help offset the annual fee.
Cons
It has a high annual fee, which may be a dealbreaker for some potential cardholders.
The welcome bonus has a high spend requirement that might be unattainable for some.
Best for dining credits
American Express® Gold Card
Recommended credit score:Good to Excellent
Reward Details
4XEarn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4XEarn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
3XEarn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
2XEarn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
1XEarn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Bankrate’s view
With the American Express® Gold Card, you can enjoy up to $120 in Uber Cash per year ($10 per month), which can be used toward U.S. rides and U.S. Uber Eats orders. In addition, you can earn 4X Membership Rewards points on restaurants worldwide which can help offset the cost of frequent rides or food orders.
Pros
It has a highly valuable rewards program, as you can earn well on everyday food-related purchases.
You can potentially save even more with this card’s credits for dining and hotel experiences.
Cons
With a relatively high annual fee, this card can be disadvantageous for those who want to benefit from rewards without having to pay a yearly fee.
Unlike some Amex cards with extensive travel perks, it doesn’t offer high-end travel benefits like airport lounge access or trip cancellation insurance.
Best for digital wallet users
Cardholder rating
4.1
Bankrate score
3.5
Bankrate review
Bankrate review
18.24% to 28.49% Variable
Reward Details
3%3% cash back with Apple and select merchants when you use Apple Card with Apple Pay.
2%2% cash back when you use Apple Pay.
1%1% cash back when you use the titanium card or your virtual card number wherever Mastercard is accepted.
Bankrate’s view
If you’re a fan of both Apple and Uber, you may want to consider the no-annual-fee Apple Card. It currently offers an unlimited 3 percent cash back on Uber and Uber Eats purchases when you use your Apple Card with Apple Pay and is low on fees in general. Just remember that you need to have an Apple phone or other device to benefit from this exceptional rewards rate.
Pros
This card’s rewards structure can be especially beneficial for frequent Apple customers, allowing them to earn cash back on their Apple-related expenses.
The card also offers features like Daily Cash, where cash back is added to the user’s Apple Cash card on a daily basis, allowing for quick and convenient use of the rewards.
Cons
While this card can be used anywhere that accepts Mastercard, some merchants and businesses do not support Apple Pay, which may limit the card’s usability in certain locations.
It doesn’t offer some of the traditional benefits commonly found with other credit cards, such as travel rewards, introductory APR offers or balance transfer options.
Best for flexibility
Bank of America® Customized Cash Rewards credit card
Bankrate score
4.6
Bankrate review
Bankrate review
Recommended credit score:670 – 850
18.24% – 28.24% Variable APR on purchases and balance transfers
Reward Details
3%Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
2%Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
1%Earn unlimited 1% on all other purchases.
Bankrate’s view
The Bank of America® Customized Cash Rewards credit card offers decent cash back rates in the category of your choice (limited to $2,500 in combined 3 percent and 2 percent category purchases each quarter, then 1 percent). One of the eligible 3 percent categories is travel, which includes rideshare services like Uber and Lyft. And if you notice you’re taking fewer rideshares one month, you may appreciate the ability to swap your chosen category each month.
Pros
It offers a flexible cash back program that allows you to tailor your rewards to your spending habits and maximize cash back earnings.
If you’re a Bank of America Preferred Rewards member, you can earn 25 percent to 75 percent more in each rewards category, depending on your membership tier.
Cons
Some cash back redemption options have a minimum requirement — meaning you need to accumulate a certain amount of cash back before being able to redeem.
The quarterly spending cap impacts how much you earn with this card.
Best card for families
Blue Cash Preferred® Card from American Express
Recommended credit score:Good to Excellent
$0 intro annual fee for the first year, then $95.
Reward Details
6%6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6%6% Cash Back on select U.S. streaming subscriptions.
3%3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1%1% Cash Back on other purchases.
Bankrate’s view
The Blue Cash Preferred® Card from American Express is often listed as one of the best credit cards for families since it offers limited elevated cash back on U.S. supermarket purchases. But this card also offers unlimited cash back at U.S. gas stations and on transit purchases, which includes rideshare services like Uber and Lyft. You also have access to Amex Offers, which occasionally features limited-time promotions on rideshare services like Uber.
Pros
The card has great perks such as a Disney bundle credit, return and purchase protection and more.
It offers a decent intro APR offer and welcome bonus with a relatively reasonable spending requirement.
Cons
The card has an annual fee after the first year, which may not be ideal for those looking to avoid additional costs.
The highest-earning rewards category has a spending cap — which limits your overall earning potential.
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Best credit cards for Lyft
With these top cards, you can enjoy exclusive benefits, such as cashback rewards, ride discounts and complimentary subscriptions for your Lyft purchases. You can also enjoy premium travel benefits with some cards.
Best for annual travel credit
Bankrate score
4.3
Bankrate review
Bankrate review
Recommended credit score:740 – 850
20.24% – 28.74% Variable
Reward Details
10xEarn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
5xEarn 5x total points on flights through Chase Travel℠.
3xEarn 3x points on other travel and dining.
1xEarn 1 point per $1 spent on all other purchases.
Bankrate’s view
The Chase Sapphire Reserve® is easily the most valuable rewards card for Lyft rides. You’ll earn 5X points on Lyft rides plus a $10 ride credit each month (through September 2027), which can add up quickly if you’re a frequent Lyft passenger. This card also offers an annual up to $300 travel credit on qualifying travel purchases, which includes rideshares, hotels and flights.
Pros
The Chase Sapphire Reserve offers a range of valuable travel benefits, including complimentary access to hundreds of airport lounges worldwide through the Priority Pass Select program.
Points are worth 1.5 cents each when e redeemed for travel through the Chase Ultimate Rewards portal or can be transferred at a 1:1 ratio to several airline and hotel loyalty programs.
Cons
The Chase Sapphire Reserve comes with a higher annual fee, which can impact earning potential.
While many popular travel expenses are included in the annual travel credit, some niche purchases such as RV and boat rentals and public campgrounds are excluded.
Best for beginner travelers
Chase Sapphire Preferred® Card
Bankrate score
4.3
Bankrate review
Bankrate review
Recommended credit score:670 – 850
19.99% – 28.24% Variable
Reward Details
5x5x on travel purchased through Chase Travel℠.
3x3x on dining, select streaming services and online groceries.
2x2x on all other travel purchases.
1x1x on all other purchases.
Bankrate’s view
The Chase Sapphire Preferred® Card is one of the top entry-level travel credit cards on the market today and comes with a variety of perks for a $95 annual fee. In terms of rideshare benefits, you’ll earn 5X points on Lyft purchases (through September 2027). You’ll also earn 2X points on travel and 3X on dining, so you can quickly accumulate points for future travel or cash back. Additionally, the card offers valuable travel benefits like trip cancellation insurance and no foreign transaction fees — making it a well-rounded option for frequent rideshare users.
Pros
According to Bankrate’s valuations, Chase Sapphire Preferred points can be worth around 2.0 cents if transferred to the right travel partner, adding significant value beyond the points’ cash value.
It comes with a very generous sign-up bonus for new cardholders, which increases this card’s first-year value.
Cons
This card’s annual fee may be a drawback for individuals looking for a no annual fee option.
If you tend to carry a balance, this card may not be the best option as it does not offer any intro APRs to help manage credit card debt.
Best for no annual fee
Bankrate score
5.0
Bankrate review
Bankrate review
Recommended credit score:670 – 850
18.99% – 28.49% Variable
Reward Details
5%Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
3%3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
1.5%1.5% cash back on all other purchases.
Bankrate’s view
If you’re a regular Lyft rider but don’t want to pay an annual fee to earn bonus rewards on rideshare purchases, you should consider the Chase Freedom Unlimited®. You’ll earn 2 percent cash back on all eligible Lyft spending through September 2027 as well as a base rate oft 1.5 percent cash back for all purchases made with your card outside of the bonus categories. You can redeem rewards for statement credits to cover purchases (such as Lyft rides), gift cards, merchandise, experiences and travel.
Pros
It offers a boosted rewards rate in select categories and an unlimited flat-rate cash back on every purchase, with no minimum redemption amount or rotating categories.
This card offers a terrific sign-up bonus for new cardholders with a decent rate of return, which can boost your rewards earning potential greatly in the first year.
Cons
Foreign transaction fees apply when using the card outside of the United States.
The bonus categories may not be lucrative if you who spend heavily in specific bonus categories offered by other cards, like gas or groceries.
Best for renters
Recommended credit score:670 – 850
Reward Details
3X Points3x points on dining
2X Points2x points on travel
1X Points1x points on other purchases
1X PointsEarn 1x points on rent without the transaction fee, up to 100,000 points in a calendar year. When you use the card 5 times each statement period using your Bilt Mastercard, you’ll earn points on rent and qualifying net purchases.
Bankrate’s view
Renters who use Lyft frequently can benefit a lot from this card. Once you’ve linked your Bilt Rewards account to your Lyft account, you can earn 5X points on Lyft rideshares. Plus, you can enjoy a $5 Lyft credit if you take three or more Lyft rides a month. The Bilt card also offers decent travel rewards with a high estimated redemption value, according to Bankrate’s valuations. So you can redeem those Lyft rewards toward your next trip.
Pros
Even if you don’t link your Bilt Reward and Lyft accounts, you can still earn bonus rewards for Lyft rides when you pay with your Bilt card.
This card features unique redemption options, such as using your points toward a down payment.
Cons
You have to use the card five times each statement period before you start earning rewards on the travel, rent and dining bonus categories.
This card has no sign-up bonus or intro APR offers to take advantage of.
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Comparing the best cards for rideshare
With popular rideshare services like Lyft and Uber, discover which credit cards offer the most features and perks for an enhanced ridesharing experience.
Best cards for Uber
Card name
Best for
Annual fee
Rideshare rewards and perks
Additional rewards
Bankrate score
The Platinum Card® from American Express
Uber Cash credits
$695
Up to $200 in annual Uber Cash toward Uber Eats orders or Uber rides in the U.S. ($15 per month, plus an extra $20 in December, available to basic cardmembers only; benefit renews annually) Terms Apply.
5X points on up to $500,000 per calendar year spent on directly booked airfare or flights booked through American Express Travel
5X points on prepaid hotels booked through Amex Travel.
1X points on all other purchases
670 and above
American Express® Gold Card
Dining credits
$325
Up to $120 annual credits for Uber Cash (as $10 in automatic monthly Uber Cash) toward Uber Eats orders or Uber rides in the U.S.
4X points on restaurants worldwide (on up to $50,000, then 1x) and U.S. supermarkets purchases (up to $25,000 in supermarket purchases per year, then 1X points)
3X points on flights booked directly with airlines or via American Express Travel
2X on prepaid hotels booked through Amex Travel
1X points on all other purchases
670 and above
Apple Card*
Digital wallet users
$0
3 percent cash back on Uber purchases made with the Apple Card through Apple Pay
Earn 3 percent cash back when you shop with Apple and when using the Apple Card with Apple Pay at select retailers
2 percent back on other spending when paying with Apple Pay
1 percent back on all other purchases
660 and above
Bank of America® Customized Cash Rewards credit card
Flexibility
$0
Bonus travel category includes rideshares like Uber and Lyft
3 percent cash back on category purchases of choice, including gas (plus electric vehicle charging stations), online shopping (plus cable, streaming, internet and phone services), dining, travel, drugstore or home improvement
2 percent cash back at grocery stores and wholesale clubs
Spending cap: up to $2,500 of combined 3 and 2 percent category purchases each quarter, then 1 percent
1 percent on all other purchases
670 and above
Blue Cash Preferred® Card from American Express
Families
$0 intro annual fee for the first year, then $95.
Bonus transit category includes rideshares like Uber and Lyft
6 percent cash back on U.S. supermarket purchases (up to $6,000 per year, then 1 percent) and select U.S. streaming subscriptions
3 percent cash back at U.S. gas stations
3 percent cash back on transit purchases (including taxis, rideshare, parking, tolls, trains, buses and more)
1 percent cash back on all other purchases
670 and above
Cards with ridesharing benefits typically require a good-to-excellent credit score. If you have bad or fair credit, consider our top picks for cards for fair/average credit.
Best cards for Lyft
Card name
Best for
Annual fee
Rideshare rewards and perks
Additional rewards
Bankrate score
Chase Sapphire Reserve®
Annual travel credit
$550
5X points on Lyft rides plus $10 ride credit each month through September 2027 (Unused credit will expire at the end of the month.)
10X points on hotel stays and car rentals when you purchase travel through Chase after earning your $300 travel credit
10X points on Chase Dining purchases through Chase Travel℠
5X points on air travel booked through Chase Travel℠ (after earning your $300 travel credit)
3X points on restaurant and general travel purchases (after earning your $300 travel credit)
1X points on all other purchases
740 and above
Chase Sapphire Preferred® Card
Beginner travelers
$95
5X points on Lyft rides through September 2027
5X points on travel, including hotel stays and car rentals, purchased through Chase Travel℠
3X points on dining (including eligible delivery services), select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs)
2X points on other travel purchases
1X points on other purchases
670 and above
Chase Freedom Unlimited®*
No annual fee
$0
2 percent cash back on Lyft rides through September 2027
5 percent cash back on travel booked through Chase Travel℠
3 percent cash back on dining at restaurants (including takeout and eligible delivery services)
3 percent cash back on drugstore purchases
1.5 percent cash back on all other purchases
670 and above
Bilt Mastercard®
Renters
$0
5X points on Lyft rides when you link your Bilt Rewards and Lyft accounts
3X points on Lyft rides (if accounts are not linked)
$5 Lyft credit when you take three rides or more in a month using your Bilt card
5X+ points on neighborhood dining partners
2X points on travel booked directly with airlines, hotels, car rental agencies, cruise lines, or through the Bilt Travel Portal
1X points on rent (up to 100,000 points per calendar year)
Use the card five times each statement period to earn points.
670 and above
Cards with ridesharing benefits typically require a good-to-excellent credit score. If you have bad or fair credit, consider our top picks for cards for fair/average credit.
How to choose the right credit card for ridesharing
If you’re struggling to decide which rewards credit card could help you maximize ridesharing to the hilt, ask yourself the following questions:
Some cards let you earn cash back or credits for ridesharing, but others offer flexible points you can redeem in more than one way. Make sure you compare rewards programs so you wind up with the type of rewards that will benefit you the most.
Several of the top cards for Uber or Lyft come with pricey annual fees, but these fees can be well worth it if you travel often and can take advantage of benefits like annual travel credits, airport lounge access and credits for Global Entry or TSA PreCheck. If you don’t want to pay an annual fee, choose a card for ridesharing that offers superior rewards for Uber or Lyft purchases without the extra travel perks.
Some of the travel cards featured above only offer exceptional rewards or credits for Uber or Lyft, but not both. If you only use one of these services, this should narrow down your options. Otherwise, you may want to consider a card that earns rewards on general transit purchases, including rideshare services.
Finally, don’t forget to consider pairing cards that help you reach different objectives.
How to maximize cards for ridesharing
Cards with ridesharing benefits are often found on some of the top rewards cards. Here’s how you can maximize your rewards to optimize your earnings.
Take advantage of any welcome offers
If your card offers a sign-up bonus, make sure to earn the bonus within the time frame without overspending. For example, with the Blue Cash Preferred you can earn a $250 statement credit after your spend $5,000 within the first six months of opening your account. Some cards also offer intro APR offers for purchases and balance transfers. These short-term bonuses can be an added boost to your ridesharing perks.
Meet ridesharing benefits requirements
While cards may offer Lyft or Uber credits, they may also come with some restrictions or requirements to earn the benefit. For the Bilt card, for instance, you’ll need to take three Lyft rides or more in a month using your Bilt card to earn the $5 Lyft credit. Read the fine print so that you don’t miss out on credits or rewards.
Use a rewards strategy
Whether it’s a multiple-card strategy like the Chase trifecta or using your card to earn rewards in its top bonus categories, you’ll want to optimize your spending so that you rack up rewards. Frequent Lyft or Uber riders can potentially stack up hefty rewards with cards that feature ridesharing as bonus category, but you might consider using a different card that lets you earn a higher rate of rewards for all of your regular purchases not just rideshares. Research redemption options as well to get the most out of your rewards.
What’s next?
The bottom line
If you rideshare often, it makes sense to earn rewards on the cost of your rides. Whether you’re loyal to Uber or Lyft or simply go with whichever service has better availability at the time, there’s a card that can reward you for every ride you take.
You’ll also have the opportunity to earn rewards on other spending with one of these cards, whether that’s dining, other travel expenses or even groceries, so it’s important to pick the right card for your spending habits and lifestyle. Depending on how much you’re willing to pay for a card with rideshare rewards, you can enjoy quite a few other travel and entertainment perks along the way.
For more travel tips & tricks, check out Bankrate’s travel toolkit.
Frequently asked questions
Using a credit card for rideshares can offer benefits such as cashback or rewards on your rides, fraud protection and the ability to track and manage your transportation expenses easily.
Some credit cards, such as the Chase Sapphire Reserve, the American Express Platinum Card and the Capital One SavorOne Cash Rewards Credit Card, offer excellent rewards or cashback specifically tailored for rideshare services.
When choosing a credit card for rideshares, you should look for features like bonus rewards on transportation spending, travel insurance coverage, no foreign transaction fees (if you travel internationally) and additional perks like roadside assistance or discounts on related services.
*The information about the Apple Card and Chase Freedom Unlimited® has been collected independently by Bankrate. The card details have not been reviewed or approved by the issuer.
