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Making the Most of the Uber Visa Credit Card

Nov. 6, 2019
Cash Back Credit Cards, Credit Cards, Rewards Credit Cards, Travel Credit Cards
Making the Most of the Uber Visa Credit Card
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For heavy-duty Uber users, the Uber Credit Card packs some nice features, minus the surge pricing.

The card’s annual fee is $0, and it earns 5% back in Uber Cash on all qualifying Uber purchases, including Uber rides, Uber Eats, and Jump bike and scooter rides. Among cards that offer rewards on rideshare spending, that’s an industry-leading rate.

Here’s how to get the best performance possible from the Uber Credit Card.

» MORE: Full review of the Uber Credit Card

Scoop up the sign-up bonus

The Uber Credit Card features the following welcome offer for new cardholders: Earn $100 Uber Cash after spending $500 on purchases in the first 90 days.

That’s not the highest bonus around, but it should be easy to snag, especially for those who use Uber services multiple times a week.

Keep in mind, however, that the Uber Credit Card earns Uber Cash, not true cash back. And unlike cash back — which you can use toward anything you want — Uber Cash can be redeemed only for Uber rides, Uber Eats orders and Jump rides.

» MORE: NerdWallet’s best credit card welcome bonuses

Set it as your Uber payment method

The main reason to choose a co-branded credit card is that you spend a sizable chunk of your money with that brand and you want perks and discounts in return for your devotion. The Uber Credit Card delivers the goods with an uber-high rewards rate on all Uber in-app purchases. If you’re looking to get rewards back on your Uber spending, no other card will incentivize you more generously.

» MORE: NerdWallet’s best credit cards for transit spending

Eat, drink and get delivery

Pretty much every time you open your mouth to eat something you didn’t cook yourself, the Uber Credit Card will reward you with bonus points. The card earns an unlimited 5% back in Uber Cash on orders from Uber Eats, and you’ll also get 3% Uber Cash on purchases made at restaurants and bars.

That 5% rate on Uber Eats purchases is unbeatable, and the 3% rate on other dining is competitive with other cards that reward you for restaurant purchases.

Get out more

The Uber Credit Card will reward you well for travel expenses, offering a generous 3% back in Uber Cash on airfare, hotels and even travel agency expenses. But travel doesn’t always include swiping tiny shampoo bottles from a hotel cart, and for those who prefer to travel a bit more like a local, the card earns that same 3% back on home share exchanges like Airbnb.

And should you choose to take a passport-required adventure, the Uber Credit Card can be a top-notch travel companion thanks to its lack of foreign transaction fees. It also runs on the Visa payment network, so acceptance will be widespread.

» MORE: NerdWallet’s best cards for travel

Pay your cell phone bill with it

The Uber Credit Card comes with a perk that can be somewhat hard to find: cell phone insurance. If you charge your monthly cell phone bill to the card, you’ll get coverage for damage or theft of up to $600 per claim after a $25 deductible. This coverage is good for up to two claims and $1,000 per 12-month period.

Your cell phone carrier will typically charge you a monthly fee to get similar protection.

» MORE: Credit cards that offer cell phone insurance

Pair it with another card

When it comes to rewards cards that pay elevated rates in different areas, the buddy system can be the most efficient way to maximize your earnings. By strategically pairing the Uber Credit Card with another card, you can earn elevated rewards on nearly all of your spending.

For example, if your eating expenses are evenly split between dining out and cooking at home, it may make sense to use the Uber Credit Card for restaurants and a card like the Blue Cash Everyday® Card from American Express for your grocery shopping, since it earns 3% cash back at U.S. supermarkets on up to $6,000 a year in purchases, then 1%. Terms apply.

» MORE: Credit card coupling: Pair up your credit cards to maximize rewards

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