The bottom line: This card is a strong pick for Uber devotees. If you spend a lot of time in Uber cars or ordering Uber Eats, you'll be able to earn and redeem rewards easily. But the card’s limited redemption options could make it a poor choice for less frequent Uber customers.
Uber Credit Card
15.74% - 26.49% Variable APR
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.
Nerd tip: The Uber Credit Card is temporarily closed to new applicants.
The Uber Credit Card, issued by Barclays, is a great match for one kind of consumer: the Uber power user.
No other consumer credit card offers the same uncapped 5% rewards rate on Uber spending. The $0-annual-fee card also offers a healthy rate back on certain other kinds of travel expenses as well as dining. But the rewards come in the form of Uber Cash, which can only be redeemed for Uber spending, including spending on Uber rides and Uber Eats. That makes it a much less flexible option than general rewards cards with similar bonus categories. (The previous version of this card offered true cash back.)
If you frequently use Uber for ordering meals or ridesharing, then you will accrue rewards quickly and have no trouble spending the Uber Cash that you earn. But if you are a more casual Uber user, then you would be better off with a card that earns bonus rewards in a wider array of categories and in a more flexible currency, such as cash or points.
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 bike and scooter rides through Jump, an electric scooter and bike service owned by Uber. (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.
APR: 15.74% - 26.49% Variable APR.
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. That's the highest uncapped rewards rate for Uber purchases you'll find on any consumer card.
While other cards offer rewards on Uber through broader categories such as travel or transit, the rewards rates are either lower, typically 2% or 3%, or come with spending caps that limit your earning potential. So if you use Uber to commute or frequently order food from the app and are looking to rake in rewards, the Uber Credit Card is the one to use.
Solid dining and travel rewards
Earning 3% back on eligible dining, hotels and airfare is competitive with — and in some cases better than — what you'll find with other no-fee cards.
Dining purchases that qualify for that 3% include restaurants, fast-food establishments and bars. Airfare, hotels, vacation rentals, travel agencies and home-share exchanges also qualify for 3% 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 compared to the cash back you can earn on other cards. 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 February 2020, one of those 5% options was "ground transportation," which includes Uber and Lyft, but again, those rewards are capped. 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. 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 $0-annual-fee Wells Fargo Propel American Express® card. It offers a rich sign-up bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. It also 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. And you get a 0% APR for 12 months on purchases and qualifying balance transfers, and then the ongoing APR of 13.99% - 25.99% Variable APR.
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. The Uber Credit Card comes with an APR of 15.74% - 26.49% Variable APR.
For an introductory 0% APR offer with similar bonus categories, the Wells Fargo Propel American Express® card is a good choice. So is the Capital One® SavorOne® Cash Rewards Credit Card, which offers this promotion: 0% APR for 15 months on purchases, and then the ongoing APR of 15.49% - 25.49% Variable APR. This card earns 3% 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. There's also a sign-up bonus: Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
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.
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