THIS PAGE MAY BE OUT OF DATE
This page includes information about one or more products not currently available on NerdWallet:
- U.S. Bank Cash+™ Visa Signature® Card
As a result, offers described on this page may be out of date. See our NerdWallet’s Best Credit Cards page for updated offers.
The Bottom Line: If you spend a lot of time commuting via Uber, you'll rack up rewards quickly — but your redemption options will be fairly limited.
Uber Credit Card
17.49% - 28.24%, Variable
Recommended Credit Score
- Earn $100 Uber Cash after spending $500 on purchases in the first 90 days
- 5% back in Uber Cash on Uber, Uber Eats, and JUMP
- 3% back in Uber Cash on dining, hotels, and airfare
Pros & Cons
No annual fee
No foreign transaction fee
No intro APR period
Alternate Pick: Flexible rewards on food, travel, Uber and more
Wells Fargo Propel American Express® card
Generous sign-up bonus
This card earns 3 points back per dollar spent on rideshares (including Uber), gas stations and transit, and you'll also get triple points back on eligible streaming services. The annual fee is $0, and you get both a 0% intro APR period and a rich bonus offer. Terms apply.Read our review
Compare to Other Cards
U.S. Bank Cash+™ Visa Signature® Card
$0 for the first year, then $95
15.49% - 24.99% Variable APR
16.24% - 25.24% Variable APR
0% Intro APR* balance transfers for 12 billing cycles
Recommended Credit Score
Recommended Credit Score
As its name suggests, the Uber Credit Card is best suited for one kind of primary passenger: the Uber power user.
The card earns 5% back in Uber Cash on all eligible Uber purchases — including Uber rides and Uber Eats — which is about the best rate you'll find among cards that reward rideshare spending. It also offers a healthy rate back on certain other kinds of travel expenses as well as dining, especially for a card with an annual fee of $0.
But if you're merely a casual Uber user — or you mostly rely on Lyft, public transit or your own vehicle to get you around — you may want to pump the brakes. That's because all rewards with the Uber Credit Card are issued in Uber Cash, not actual cash back, thanks to a revamp in late October 2019 in which the card's formidable rewards rate on dining was also trimmed.
For those deeply committed to the Uber ecosystem, Uber Cash is still relatively flexible — but not as flexible as true cash. If you don't have or barely glance at the Uber app on your phone, a general cash back credit card will work better for you.
Key features of the Uber Credit Card
Card type: Rewards.
Annual fee: $0.
Sign-up bonus: Earn $100 Uber Cash after spending $500 on purchases in the first 90 days.
5% back in Uber Cash on Uber, Uber Eats and Jump bike and scooter rides. (This does not include purchases of Uber gift cards or direct purchases of Uber Cash.)
3% back in Uber Cash on eligible dining, hotels and airfare.
1% back in Uber Cash on all other purchases.
Uber Cash can be transferred to your Uber Account once you earn $50 and can be applied toward Uber purchases (including Uber Eats and Jump). Note: Uber Cash cannot be used outside the United States.
Intro APR: N/A.
Ongoing APR: 17.49% - 28.24%, Variable.
Balance transfer fee: Either $10 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee: None.
Cell phone insurance: Up to $600 in coverage for damage or theft when you use your card to pay your monthly bill. A $25 deductible applies. (Maximum of two claims and $1,000 per 12-month period. Terms apply.)
Benefits of the Uber Credit Card
High rewards rate on Uber purchases
You'll earn 5% back in Uber Cash on all Uber spending, including for Uber Eats and Jump, which is a massive improvement from the card's original 2% back on Uber spending. Granted, that was 2% in cash back, not Uber Cash. But still, if you use Uber to commute or you frequently order food from the app, you could ring up rewards quickly.
Solid dining and travel rewards
Earning 3% back on restaurants, bars, hotels and airfare is competitive with — and in some cases better than — what you'll find with other no-fee cards. It's the same rate on hotels and airfare that the card first offered when it debuted. Again, though, you're earning Uber Cash, not true cash back.
Light on fees
The card's annual fee is $0, and it also charges no foreign transaction fee. As a Visa, it'll be widely accepted internationally, so this makes it a good travel companion, at least when it comes to earning rewards. (Redemption is another story; see below.)
Drawbacks of the Uber Credit Card
Limited redemption options
Uber Cash can be used only toward qualifying Uber purchases. While that includes Uber Eats, which is useful for those who order in a lot, it's still pretty limited when compared with the cash back the card formerly offered, which could be used on anything — Uber Cash included. It's also worth noting that you cannot use Uber Cash outside the United States. If it's flexibility and a high cash-back rate on Uber rides that you want, you might consider the U.S. Bank Cash+™ Visa Signature® Card. It earns 5% cash back in two categories you pick from a list of a dozen (on up to $2,000 spent per quarter on combined purchases; then 1%); 2% back in an everyday category you pick (such as grocery stores, gas stations or restaurants); and 1% back on all other purchases. As of November 2019, one of those 5% options was "ground transportation," which includes Uber and Lyft. The annual fee is $0.
Modest sign-up bonus
The Uber Credit Card's sign-up bonus is relatively small, even for a $0-annual-fee card. With it, you'll get this offer: Earn $100 Uber Cash after spending $500 on purchases in the first 90 days. That pales in comparison to, say, the Capital One® Savor® Cash Rewards Credit Card, that has this offer: Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening. The card's annual fee is $0 for the first year, then $95, but it earns 4% cash back on dining and entertainment, 2% cash back at grocery stores and 1% cash back on all other purchases.
No 0% intro APR period
If you plan to use your card to make a big purchase and then pay the balance off slowly, look to another product. From Day One, the Uber Credit Card charges an APR of 17.49% - 28.24%, Variable. If you're seeking a card with a 0% intro APR, plus rich and flexible rewards on Uber spending, take a look at the $0-annual-fee Wells Fargo Propel American Express® card. It earns triple points on ridesharing (Uber included), as well as on eligible travel, dining and more. (You technically earn Wells Fargo Go Far Rewards points, but they are redeemable for cash — and more — at a rate of a penny each). Terms apply. It also offers a rich sign-up bonus: Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value. And you get an intro 0% on Purchases and Balance Transfers for 12 months, and then the ongoing APR of 15.49% - 27.49% Variable APR.
If you'd like to see how these cards stack up against competitors, visit NerdWallet's best credit cards roundup.
Should you get the Uber Credit Card?
If you use Uber frequently, the Uber Credit Card could easily be worth your while. But if you're only a casual Uber user looking to earn rich and flexible rewards on dining and travel, you’d be better off with a general travel or cash back card.
NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.