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Best Credit Cards for Folks Who Don’t Drive

Oct. 6, 2015
Credit Cards
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  • Capital One® Quicksilver® Cash Rewards Credit Card

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If you live in a big city where cars are a hassle — or if you just don’t drive — we’ve found some credit cards that will fit your freewheeling lifestyle. These cards will help nondrivers earn rewards and discounts when they are on the go and on other purchases.

Most flexibility: Chase Sapphire Preferred® Card

If you’re looking to earn points on transportation options common to nondrivers, the Chase Sapphire Preferred® Card will have you covered almost everywhere. This card offers 2 Ultimate Rewards points per dollar spent on dining and travel, with the travel category including spending on airlines, taxis, car rentals, buses, trains and even Uber rides. If you live in a major city, you probably spend money on these things regularly, so why not earn points while you do? Cardholders also earn 1 point per dollar on all other non-dining and non-travel categories.

Points earned can be redeemed for travel at a rate of 1.25 cents each (when booked through the Ultimate Rewards site) or simply converted to cash. If you’re new to the Chase Sapphire Preferred® Card, there’s a big sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. The card has an annual fee of $95.

With widespread point-earning potential on so many travel categories, the Chase Sapphire Preferred® Card is an excellent choice for drivers and nondrivers alike.

>>More: How to Maximize Credit Card Rewards When Shopping

Best for fliers: Discover it® Miles

If you’re a frequent flier, the Discover it® Miles will have you earning 1.5 miles on every dollar spent. This deal is tough to beat, especially considering this card’s sign-up bonus: UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Miles can be redeemed (in any amount) for cash, or as a statement credit for travel purchases made within the last 180 days. Travel purchases include airfare and hotels, cabs and commuter passes, so you’ll have ultimate flexibility when it comes time to turn in your points.

The annual fee is $0, and there are no foreign transaction fees. So, if you’re more of a flier than a driver, the Discover it® Miles just may be the card for you. 

Best for Uber lovers: the Capital One® Quicksilver® Cash Rewards Credit Card

For folks who love to Uber, the taxi alternative is all the more affordable with the Capital One® Quicksilver® Cash Rewards Credit Card. This card gives users one of the highest unlimited rewards rates at 1.5% cash back on every dollar spent. So, no matter where you swipe, you’ll be putting dollars back in your wallet.

But here’s where things get exciting. Capital One announced a partnership with Uber that grants Capital One® Quicksilver® Cash Rewards Credit Card cardholders a whopping 20% statement credit on every ride you take through April 30, 2016. For frequent Uber riders, that credit could save big bucks.

This card even comes with a promotional offer: One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening. The annual fee is $0.

So even if you’re not a frequent Uber rider today, the credit offered with the Capital One® Quicksilver® Cash Rewards Credit Card might just make you a convert.

Earning points and cash back on spending isn’t just about whether you drive or not. With these cards, most everyone will find ways to save money on transportation and everyday purchases.

Kevin Cash is a staff writer covering credit cards and consumer credit for NerdWallet. Follow him on Google+.

Image via iStock.