The best credit card for Uber and Lyft
On rideshare trips, Chase Ink Business Preferred earns the most: $6.00 per $100, $0.00 more than the next card.
Rate × what the points are worth, so points and cash back compare in dollars. Counts as: Uber, Lyft, taxis.
The short version
- Earns the most: Chase Ink Business Preferred, $6.00 per $100, with a $95 annual fee.
- Best with no annual fee: Wells Fargo Autograph, $4.50 per $100.
- Is the fee worth it? Only if you spend over $6,400 a year on Uber and Lyft, counting this category alone. Below that, the free card wins.
| # | Card | EarnsThe rate the card advertises here, in its own currency: cash back, points or miles. | Point valueWhat one point or mile in this currency is worth, in cents: the median of the published valuations we read. Every ranking multiplies by it. | Per $100What $100 of spending earns, in dollars: the rate multiplied by what the currency is worth. This is what the table is ranked by. |
|---|---|---|---|---|
| 1 |
Ink Business Preferred
Chase, $95/yr
Travel and internet, cable and phone — the first $150,000 each account year, shared with shipping and advertising. Up to $150,000 per year, then the base rate
|
3x | 2.00¢ / pt | $6.00 |
| 2 |
Classic Green Card
American Express, $150/yr
Transit — trains, taxis, rideshare, ferries, tolls, parking, buses and subways
|
3x | 2.00¢ / pt | $6.00 |
| 3 |
Autograph
Wells Fargo, No annual fee
|
3x | 1.50¢ / pt | $4.50 |
| 4 |
Autograph Journey
Wells Fargo, $95/yr
Travel other than hotels and airlines
|
3x | 1.50¢ / pt | $4.50 |
| 5 |
Altitude Connect
U.S. Bank, No annual fee
Travel — airlines, hotels, car rentals, taxis, limousines, passenger trains and cruise lines
|
4% | 1.00¢ / pt | $4.00 |
| 6 |
Blue Business Plus
American Express, No annual fee
2x on every purchase, with no bonus categories to track. Up to $50,000 per year, then the base rate
|
2x | 2.00¢ / pt | $4.00 |
| 7 |
Flagship Premier Visa Signature
Navy Federal, $95/yr
Travel however it is booked — airlines, hotels, car rentals, buses, taxis, cruises, parking, rideshare and transit
|
4% | 1.00¢ / pt | $4.00 |
| 8 |
Sapphire Preferred
Chase, $95/yr
Travel booked anywhere else
|
2x | 2.00¢ / pt | $4.00 |
Cards that pay more only some of the year
Freedom and Freedom Flex pay a bonus on Uber and Lyft only in quarters the issuer picks it, and only after you activate it. Not ranked above, since you may not have that rate this quarter.
Cards that pay more here with a condition attached
Not ranked above because each needs a chosen category or a specific store. If that fits how you shop, these can beat the table.
- Custom Cash (Citi) — 5x if you choose Rideshare & Taxis as your category; Up to $500 per billing cycle, then the base rate.
- Customized Cash Rewards (Bank of America) — 3% if you choose Rideshare & Taxis as your category; Up to $2,500 per quarter, then the base rate.
- Cash+ Visa Signature (U.S. Bank) — 5% if you choose Rideshare & Taxis as one of your categories; Up to $2,000 per quarter, then the base rate.
- World of Hyatt Business Card (Chase) — 2x if you choose Rideshare & Taxis as one of your categories.
- Business Gold Card (American Express) — 4x if you choose Rideshare & Taxis as one of your categories; Up to $150,000 per year, then the base rate.
How to use this list
- Check the store codes as Uber and Lyft. Issuers pay by how the store is registered, not by what you bought. This page counts: Uber, Lyft, taxis.
- Start with cards you have. Your highest one in the table is your card for rideshare trips today.
- Read the notes under each card. A cap or "US only" can change the answer.
- Then consider a new card, judged on your whole year of spending.
Why dollars and not multipliers
A multiplier means nothing until you know what a point is worth. Every rate here is converted at a published valuation first, which is why the order can differ from the advertised multipliers.
Point values: published industry valuations, most recently read 2026-09. We track The Points Guy, Upgraded Points, NerdWallet, Frequent Miler and AwardWallet.