We are an independent, advertising-supported comparison service. Our
goal is to help you make smarter financial decisions by providing you
with interactive tools and financial calculators, publishing original
and objective content, by enabling you to conduct research and compare
information for free - so that you can make financial decisions with
confidence.
Bankrate has partnerships with issuers including, but not limited to,
American Express, Bank of America, Capital One, Chase, Citi and
Discover.
Courtney specializes in writing and editing content about credit management, credit scores and helping people use credit cards to their full potential — without accumulating debt.
Reena Thomas has been a credit cards editor for Bankrate since 2023. Her focus is on rewards cards and how to best maximize rewards. She also holds a doctorate in English Literature.
The advice in this article is offered by the
team independent of any bank or credit card issuer.
This article may contain
from our partners, and terms may apply to offers linked or accessed through this page.
as of posting date, but offers mentioned may have expired.
The Bankrate promise
At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in
your journey — and make it one
you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros
to data analysts and, most importantly,
people who shop for credit cards just like you. With this combination of expertise and perspectives, we
keep close tabs on the credit
card industry year-round to:
Meet you wherever you are in your credit card journey to guide your information search and help you
understand your options.
Consistently provide up-to-date, reliable market information so you're well-equipped to make
confident decisions.
Reduce industry jargon so you get the clearest form of information possible, so you can make the
right decision for you.
At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR,
and overall customer experience.
Any issuers discussed on our site are vetted based on the value they provide to consumers at each of
these levels. At each step of the way,
we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.
Editorial integrity
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first.
Our award-winning editors and reporters create honest and accurate content to help you make the right
financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we
have
editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check
editorial
content to ensure the information you’re reading is accurate. We maintain a firewall between our
advertisers and
our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Our recommendations and card ratings are produced independently without influence by advertising
partnerships with issuers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice
to help you
make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content
is not influenced
by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is
thoroughly fact-checked
to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting
credible and
dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master
your money for over four decades.
We continually strive to provide consumers with the expert advice and tools needed to
succeed throughout life’s financial journey.
Bankrate follows a strict
editorial
policy,
so you can trust that our content is honest and accurate. Our award-winning editors and
reporters create honest and accurate content to help you make the right financial
decisions. The content created by our editorial
staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and
useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison
service. We are compensated in exchange for placement of sponsored products and
services, or by you clicking on certain links posted on our site. Therefore,
this compensation may impact how, where and in what order products appear within
listing categories, except where prohibited by law for our mortgage, home equity
and other home lending products. Other factors, such as our own proprietary
website rules and whether a product is offered in your area or at your
self-selected credit score range, can also impact how and where products appear
on this site. While we strive to provide a wide range of offers, Bankrate does not
include information about every financial or credit product or service.
New technology has changed the way many people get around. Ridesharing has become an incredibly popular transportation option, and that’s especially true in big cities where Uber and Lyft drivers are easy to find. With just your smartphone and a few taps of your finger, you can get a ride to the airport, dinner with friends or anywhere else you want to go.
Unsurprisingly, some of the best cash back and rewards credit cards now offer perks like bonus rewards, ridesharing credits and limited-time promotions, which can be especially beneficial to frequent rideshare users. We hand-picked these cards based on their rideshare app benefits or high rewards rates in categories that include rideshare purchases.
Top cards for rideshare
Apply with confidence
Hover to learn more.
By applying, you can see if you're approved before impacting your credit
4XEarn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4XEarn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
3XEarn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
2XEarn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
1XEarn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Bankrate’s view
When you use your Amex Gold to pay for Uber or Uber Eats orders in the U.S., you get monthly statement credits back to your account, which can soften the blow of Sunday takeout orders and airport rides. Plus, as a card for foodies, the Amex Gold also earns generous rewards at restaurants worldwide and at U.S. supermarkets.
Pros
Its list of credits can help you offset the annual fee.
The rewards rates can generate plenty of points you can redeem for travel.
Cons
The annual fee takes some work to offset and may be difficult for some people.
If you only travel occasionally, you may not get the most value from this card.
Card Details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
$84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment is required to receive this benefit.
$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits semi-annually. Enrollment required.
$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
5xEarn 5x on travel purchased through Chase Travel℠.
3xEarn 3x on dining, select streaming services and online groceries.
2xEarn 2x on all other travel purchases.
1xEarn 1x on all other purchases.
Bankrate’s view
Through September 2027, this card earns 5X total points on Lyft rides, rivaling the rewards rates on many other ridesharing cards. And with its other rates on online groceries and dining, this card can turn normal spending into future trips.
Pros
The annual fee is quite reasonable for a travel card and can be easy to offset.
It comes with some credits and perks that give the card plenty of value.
Cons
Similar cards from other issuers have a few more perks and higher rewards rates.
Even though it’s a travel card, it doesn’t have a lot of travel-related features.
Card Details
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
10% anniversary points boost – each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
3%3% cash back with Apple and select merchants when you use Apple Card with Apple Pay.
2%2% cash back when you use Apple Pay.
1%1% cash back when you use the titanium card or your virtual card number wherever Mastercard is accepted.
Bankrate’s view
Although Apple Card’s best cash back rates are for shopping at Apple and select merchants, it still packs a punch for digital wallet purchases. If you add your Apple Card to your Apple Pay wallet and use it for rideshare payments, then you’ll earn a flat 2 percent back.
Pros
This card doesn’t have an annual fee to eat into your cash back, unlike many cards on this list.
There are no foreign transaction fees or late fees, making it a fantastic, low-cost card option.
Cons
This card doesn’t have a welcome offer to boost its first-year value.
The highest rewards rates are only for Apple purchases and select merchant offers.
18.24% – 28.24% Variable APR on purchases and balance transfers
Reward Details
6%Earn 6% cash back for the first year in the category of your choice.
3%Earn 3% cash back after the first year from account opening in your choice category.
2%Earn 2% cash back at grocery stores and wholesale clubs. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
1%Earn 1% cash back on all other purchases.
Bankrate’s view
With this card’s customizable features, you can choose in which category you earn its highest rewards rate each calendar month, including travel. And while the first-year offer doubles your cash back rate in your chosen custom category (up to the spending cap), its industry-standard welcome bonus can boost your cash back stockpile. Plus, if you don’t plan to use rideshare in a given month, you can swap your bonus category to one of its other useful options.
Pros
You can boost your cash back rates even further with eligible Preferred Rewards® tiers.
It has a generous intro APR offer for purchases and balance transfers.
Cons
Bonus categories have a $2,500 spending cap per quarter, and then the cash back rate drops to 1 percent.
You won’t find a lot of extra perks or benefits that rival cash back cards have.
Card Details
New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
No annual fee and cash rewards don’t expire as long as your account remains open.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
Contactless Cards – The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now
Apply with confidence
Hover to learn more.
By applying, you can see if you're approved before impacting your credit
6%Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%).
6%Earn 6% cash back on select U.S. streaming subscriptions.
3%Earn 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases.
1%Earn 1% cash back on other purchases.
Bankrate’s view
It’s mainly a grocery card, but the Blue Cash Preferred has rare categories for select U.S. streaming subscriptions and travel, which includes taxis and rideshares. It’s a fantastic card for on-the-go commuters, stay-at-home cooks and people in between.
Pros
It earns high cash back rates on select U.S. streaming subscriptions.
There’s an intro annual fee of $0 for the first year (then $95).
Cons
Its cash back redemption options are limited, especially compared to similar cards.
The 2.7 percent foreign transaction fee makes it a poor choice to take abroad.
Card Details
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% – 29.24%.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
5%Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
3%3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
1.5%1.5% cash back on all other purchases.
Bankrate’s view
The Chase Freedom Unlimited is a solid choice for people whose spending covers drugstores and dining while also providing a respectable 1.5 percent cash back on general purchases. And with its total 2 percent cash back on Lyft rides through September 2027, it’s a top choice for everyday spending and rideshares.
Pros
It has no annual fee that you need to offset.
The flat, everyday rate on general purchases is higher than what other bonus category cards offer.
Cons
The foreign transaction fee can eat into any cash back you’ll earn while spending overseas.
The highest cash back rate is only for Chase Travel℠ bookings, which might not fit into everyone’s spending habits.
Card Details
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% – 28.49%.
No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Cards with ridesharing benefits typically require a good-to-excellent credit score. If you have bad or fair credit, consider our top picks for cards for fair/average credit.
How to choose the right credit card for ridesharing
If you’re struggling to decide which rewards credit card could help you maximize ridesharing to the hilt, ask yourself the following questions:
What type of rewards do you want to earn? Some cards let you earn cash back or credits for ridesharing, but others offer flexible points you can redeem in more than one way. Make sure you compare rewards programs so you wind up with the type of rewards that will benefit you the most.
Is the annual fee worth it? Several of the top cards for Uber or Lyft come with pricey annual fees, but these fees can be well worth it if you travel often and can take advantage of the benefits. If you don’t want to pay an annual fee, choose a card for ridesharing that offers superior rewards for Uber or Lyft purchases without the extra travel perks.
Uber, Lyft or both? Some of the travel cards featured above only offer exceptional rewards or credits for Uber or Lyft, but not both. If you only use one of these services, this should narrow down your options. Otherwise, you may want to consider a card that earns rewards on general transit purchases, including rideshare services.
Cards with ridesharing benefits are often found on some of the top rewards cards. Here’s how you can maximize your rewards to optimize your earnings.
Link your card to your rideshare accounts
Many of the best cards for ridesharing earn rewards on your rideshare purchases — which means you need to link your card to your accounts. Make sure you add your card to your Uber and Lyft accounts so you can earn high rewards rates when you catch a ride somewhere.
Bankrate editor Madison Hoehn linked her American Express Gold card to her Uber account to get the most value. “My Amex Gold offers a monthly statement credit every time I use it for Uber purchases, so, for me, it’s a natural choice to use my preferred credit card to get around the city,” Hoehn says. “Plus, using Uber with Amex is a very seamless experience and my statement credit lives in my Uber app ready for me to redeem the next time I need a ride.”
Take advantage of any welcome offers
If your card offers a sign-up bonus, make sure to earn the bonus within the time frame without overspending. For example, a card might offer a $200 welcome bonus after you spend $1,000 in the first three months from opening your account. Many offer tens of thousands of travel points for more spending in similar periods, but these kinds of cards usually come with annual fees.
Meet ridesharing benefits requirements
While cards may offer Lyft or Uber credits, they may also come with some restrictions or requirements to earn the benefit. For the Bilt Mastercard®, you’ll need to take three Lyft rides or more in a month using your Bilt card to earn the $5 Lyft credit. Read the fine print so that you don’t miss out on credits or rewards.
Use a rewards strategy
Whether it’s a multiple-card strategy like the Chase trifecta or using your card to earn rewards in its top bonus categories, you’ll want to optimize your spending so that you rack up rewards. Frequent Lyft or Uber riders may stack up hefty rewards with cards that feature ridesharing as a bonus category, but you might consider using a different card that earns more rewards for everyday purchases, not just rideshares.
If you rideshare often, it makes sense to earn rewards on the cost of your rides. Whether you’re loyal to Uber or Lyft or simply go with whichever service has better availability at the time, there’s a card that can reward you for every ride you take.
You’ll also have the opportunity to earn rewards on other spending with one of these cards, whether that’s dining, other travel expenses or even groceries, so it’s important to pick the right card for your spending habits and lifestyle. Depending on how much you’re willing to pay for a card with rideshare rewards, you can enjoy quite a few other travel and entertainment perks along the way.
Frequently asked questions
Using a credit card for rideshares can offer benefits such as cash back or rewards on your rides, fraud protection and the ability to track and manage your transportation expenses easily.
Some of the highest rewards rates for rideshare services are with cards like the Chase Sapphire Preferred, Amex Blue Cash Preferred and Bank of America Customized Cash Rewards.
When choosing a credit card for rideshares, you should look for features like bonus rewards on transportation spending, travel insurance coverage, no foreign transaction fees (if you travel internationally) and additional perks like credits for Uber or Lyft charges.
*The information about the Apple Card has been collected independently by Bankrate. The card details have not been reviewed or approved by the issuer.
Did you find this page helpful?
Why we ask for feedback
Your feedback helps us improve our content and services. It takes less than a minute to
complete.
Your responses are anonymous and will only be used for improving our website.
Help us improve our content
Thank you for your
feedback!
Your input helps us improve our
content and services.
Quick citation guide
Select a citation to automatically copy to clipboard.
APA:
Mihocik, CCC, C. (2025, July 14). Best credit cards for Uber and Lyft. Bankrate. Retrieved September 15, 2025, from https://venture-ascend.live/credit-cards/travel/best-credit-cards-uber-and-ridesharing/
Copied to clipboard!
MLA:
Mihocik, CCC, Courtney. "Best credit cards for Uber and Lyft." Bankrate. 14 July 2025, https://venture-ascend.live/credit-cards/travel/best-credit-cards-uber-and-ridesharing/.
Copied to clipboard!
Chicago:
Mihocik, CCC, Courtney. "Best credit cards for Uber and Lyft." Bankrate. July 14, 2025. https://venture-ascend.live/credit-cards/travel/best-credit-cards-uber-and-ridesharing/.
