Editorial Review

Uber Visa Card Review: 4% Back at Restaurants, No Annual Fee

It's ideal for those who have little interest in cooking at home or in paying to carry a card. Oddly, though, it may not be best for actually using Uber.

Sara RathnerJanuary 24, 2019

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

Our Take

4.3

NerdWallet rating 

The Bottom Line: If dining out and travel are big expenses, this card can reward you handsomely. Homebodies who love to cook would benefit more from other options.

Uber Visa Card

Uber Visa Card

Annual Fee

$0

Regular APR

17.74%, 23.74% or 28.49% variable based on your creditworthiness

Intro APR

N/A

Recommended Credit Score

Quick Facts

Annual Fee
$0
Annual Fee
$0
Intro APR
N/A

Pros & Cons

Pros
  • Bonus cash back categories

  • No annual fee

  • No foreign transaction fee

Cons
  • Limited rewards on Uber spending

  • No intro APR period

Alternate Pick: Higher rates on rideshares, streaming

Wells Fargo Propel American Express® card

Generous sign-up bonus

This card earns three 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

Annual Fee

$0

Annual Fee

$0

Regular APR

16.24% - 26.24% Variable APR

Regular APR

15.99% - 25.49% Variable APR

Rates & Fees

Intro APR

0% on Purchases and Balance Transfers for 15 months

Intro APR

0% Intro APR* on purchases and balance transfers for 12 billing cycles

Recommended Credit Score
Recommended Credit Score

Full Review

The Uber Visa Card, issued by Barclays, offers benefits as sleek as a Town Car, but its cost is more in line with an UberPool. This cash-back card rewards anyone who cooks rarely, travels frequently and shops mostly online.

Despite its name, though, the Uber Visa Card doesn't pay out the most cash back for Uber trips, nor do you get a better rewards rate if you redeem cash back for Uber Cash. The wow factor comes from its sky-high rewards rate on dining, paired with an annual fee of $0.

While it faces stiff competition from other cards offering revved-up rewards for restaurant spending, the Uber Visa Card is worth consideration.

Key features of the Uber Visa Card

Card type: Cash back.

Annual fee: $0.

Sign-up bonus: Earn $100 after spending $500 on purchases in the first 90 days.

Rewards:

  • 4% cash back on restaurants, takeout, fast food, bars and UberEats.

  • 3% cash back on hotels, airfare and vacation home rentals.

  • 2% cash back on online purchases including Uber, online shopping and streaming services.

  • 1% cash back on all other purchases.

Points are worth a penny each, and you can redeem for cash back, Uber Cash or gift cards.

Intro APR: N/A

Ongoing APR: 17.74%, 23.74% or 28.49% variable based on your creditworthiness.

Balance transfer fee: Either $10 or 3% of the amount of each transfer, whichever is greater.

Foreign transaction fee: None.

Other benefits:

  • Up to $600 in mobile phone protection including damage and theft when you use your Uber Visa Card to pay your monthly mobile phone bill.

  • Up to a $50 credit for online subscription services after you spend $5,000 or more on your card per year.

Highlights of the Uber Visa Card

Impressive cash-back rates on dining, travel: Even among the best credit cards for restaurants, you don't often see 4% cash back offered in that category, especially on cards with an annual fee of $0. And you'll earn that rate whether you dine inside a fancy-pants establishment, carry out your meal, hit up your local watering hole or drive-thru, or get food delivered to you via UberEats. Plus, earning 3% back on things like flights, hotels and Airbnb rentals makes the Uber Visa Card a pretty darn good travel card, too.

Ideal for international travel: Speaking of travel, the Uber Visa Card charges no foreign transaction fee. Plus, Visa cards are widely accepted, and overseas spending will earn you the same cash-back rates. All those vacation meals, bar tabs and Uber rides can really add up. There is one detail frequent travelers should keep in mind: If you prefer to redeem your rewards for Uber Cash (which essentially lets you prepay for future Uber rides), you can't use Uber Cash outside the United States.

Drawbacks of the Uber Visa Card

Other cards offer higher rewards on Uber rides: If ridesharing costs make up a large portion of your budget, the Wells Fargo Propel American Express® card may be a better option. It offers triple points back on rideshares (including Uber), and it also outearns the Uber Visa Card on eligible streaming services. And unlike that card, the Wells Fargo Propel American Express® card offers a 0% intro APR period: 0% on Purchases and Qualifying Balance Transfers for 12 months, and then the ongoing APR of 15.99% - 27.99% Variable APR. The annual fee is $0. Terms apply.

No discount when redeeming for Uber Cash: You can redeem points for Uber Cash, cash back or gift cards. However, if you were to buy Uber Cash with actual cash (not the points from your Uber Visa Card), you'd get a 5% discount when you add $100, a 3% discount when you add $50, and a 2% discount when you add $25. The discount doesn't apply if you redeem points for Uber Cash. All cash back redemptions are valued at 1 cent per point.

Relatively small sign-up bonus: The Uber Visa Card offers new cardholders the following sign-up bonus: Earn $100 after spending $500 on purchases in the first 90 days. That's not nothing, but other cash-back cards offer more upfront. For example, the Capital One® SavorOne® Cash Rewards Credit Card offers new cardholders this: Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening. The card also has a $0 annual fee, and you can earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. (The card's definition of "entertainment" is broad, too.) Of course, if you're OK with paying an annual fee, you'll find cards with even larger bonuses.

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 Visa Card charges 17.74%, 23.74% or 28.49% variable based on your creditworthiness.

Possible alternatives

A similar card with a much bigger bonus

With the Capital One® Savor® Cash Rewards Credit Card, you'd be eligible for this bonus: Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening. You'll also get 4% cash back on dining and entertainment, 2% cash back at grocery stores and 1% cash back on all other purchases. The annual fee is $0 for the first year, then $95. Don't want to pay an annual fee? Consider the aforementioned Capital One® SavorOne® Cash Rewards Credit Card instead. That card also offers an intro 0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 16.24% - 26.24% Variable APR. Whichever Savor product you choose, the "entertainment" category is wide.

a Card that can potentially top 4% on dining out

With the U.S. Bank Cash+™ Visa Signature® Card, you earn 5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose; an uncapped 2% cash back on your choice of one "everyday" category; and 1% cash back on all other eligible purchases. As of January 2019, “fast food” was a 5% category option, while “restaurants” was a 2% option, earning this card a spot among NerdWallet's top dining cards. It also offers 0% on Purchases and Balance Transfers for 12 billing cycles, and then the ongoing APR of 15.99% - 25.49% Variable APR. The annual fee is $0. There's a $150 bonus after spending $500 in eligible net purchases within the first 90 days of account opening.

A card better suited for cooking at home

If most of your food budget goes toward groceries instead of dining out, consider the Blue Cash Everyday® Card from American Express. It earns 3% back at U.S. supermarkets on up to $6,000 spent per year (then 1%); 2% back at U.S. gas stations and select U.S. department stores; and 1% back on all other purchases. Terms apply. The card also offers a generous welcome bonus and a 0% intro APR offer. Terms apply.

A card that earns travel rewards

Fair warning: The American Express® Gold Card has a $250 annual fee. Ouch. However, if you're the type to use each and every benefit a credit card comes with, you can mostly offset this fee and earn lots of rewards. The card comes with a generous welcome offer: Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months. Terms Apply. Your spending helps you rack up even more: Earn 4 Membership Rewards points per dollar spent at restaurants worldwide and U.S. supermarkets (on up to $25,000 per year in U.S. supermarket purchases, then 1 point back), plus earn 3 points per dollar spent on flights booked directly with airlines or on amextravel.com. Earn 1 point per dollar spent on other eligible purchases. There's also a $100 airline fee credit per year, plus a $120 annual dining credit (available in monthly $10 credits) when you use your card at participating restaurants. Terms apply.

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 Visa Card?

If the biggest line items in your budget include dining out and travel, the Uber Visa Card will reward you handsomely. Just don't expect overly lucrative rewards simply for using the card to pay for your Uber rides.

And if your food spending veers more toward home cooking, other cards might suit you better.

To view rates and fees of the Blue Cash Everyday® Card from American Express, please visit this page.

To view rates and fees of the American Express® Gold Card, please visit this page.