Uber Visa credit card review

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In a Nutshell

The Uber Visa Credit Card offers solid rates on popular bonus categories. You’ll earn 5% back in Uber Cash on Uber services, 3% back on travel and dining, and 1% back on everything else. But there’s one big caveat — your Uber Cash rewards can only be used for Uber purchases.

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Pros Cons
Great bonus rates on Uber services, dining and travel Limited redemption flexibility
Available cellphone damage and theft protection
No annual fee

What you should know about the Uber Visa Credit Card

If you spend a lot each year on travel and restaurant expenses, you could earn a ton of rewards with the Uber Visa Credit Card. But unless you use Uber frequently, you’ll have a hard time using those rewards. Here’s what you need to know.

5% back in Uber Cash on Uber services

Uber rewards its cardholders handsomely when they use their Uber Visa Credit Cards to pay for Uber services. Cardholders earn 5% back for every $1 that they spend on the following purchases:

  • Uber rides
  • Uber Eats
  • JUMP (Uber’s electric bike rental service)

If you spend a lot of money each month on Uber trips, your rewards could add up fast with this card. And food delivery fans will love the fact that Uber Eats purchases are included in the 5% bonus category.

3% back in Uber Cash on travel and dining

Plenty of people only ride in an Uber when they’re out of town and away from their car. So if you spend a lot of money each year on Uber expenses, there’s a good chance that you may travel a lot as well.

Realizing this, Uber has wisely included a 3% bonus cash back category for travel and restaurants too. Once again, this is a generous rewards rate — especially for a card that doesn’t charge an annual fee.

You’ll earn 1% back in Uber Cash back on all other purchases. And there are no limits to the amount of Uber Cash that you can earn.

Ho-hum sign-up bonus

The Uber Visa Credit Card offers a $100 Uber Cash sign-up bonus to cardholders who spend at least $500 on purchases within their first 90 days with the card.

This is a lower sign-up bonus than some competitors offer. For instance, the Wells Fargo Propel American Express® card comes with a 20,000-point ($200 cash value) sign-up bonus after you spend $1,000 on purchases in the first 3 months from account opening. And the Capital One® Savor® Cash Rewards Credit Card offers new cardholders a $300 cash sign-up bonus if they spend $3,000 on purchases within 3 months from account opening.

But notice that the $3,000 spending requirement to earn each of these cards’ bonuses is much higher than the Uber Visa Credit Card’s $500 requirement. So if that level of spending would be a stretch for you, the Uber Visa Credit Card’s sign-up bonus is more attainable.

Up to $600 of cellphone protection

The Uber Visa Credit Card offers a pretty cool benefit for cellphone owners. If you pay your cellphone bill with your Uber Visa Credit Card, you can get up to $600 of supplemental insurance for damage and theft protection.

Here are the key details of the program.

  • Deductible: $25 per claim
  • Maximum number of claims: Two per 12-month period
  • Maximum payout per claim: No more than the suggested retail value of the phone, up to a $600 maximum
  • Maximum payout overall: $1,000 per 12-month period

Also, cosmetic damage that doesn’t affect the functionality of the phone will not be covered.

Uber Cash can only be used for Uber purchases

Ok, so here’s the bad news. The Uber Cash that you earn can be transferred only to your Uber account. That means you can use your Uber Cash towards Uber rides, Uber Eats purchases, or JUMP rentals — and that’s it.

This limited number of redemption options stands in stark contrast to several of the leading cash back cards. For example, the Wells Fargo Propel American Express® card allows you to redeem your earnings for cash back, travel, gift cards, charitable donations, and more.

You won’t get any of those options with the Uber Visa Credit Card. And it actually gets worse. Uber Cash can only be used in the country where it was purchased. That’s a big bummer for a card that’s meant to appeal to travelers.

The extreme lack of redemption flexibility with the Uber Visa Credit Card is its main downfall — and it’s no small one.

Other card details to know

  • There are no foreign transaction fees: That’s great news if you plan to use this card overseas.
  • There’s no minimum redemption: You can transfer your Uber Cash to the Uber app at any time. Once you’ve reached $50 in Uber Cash Back, Uber will automatically transfer the full balance.

Who this card is good for

If you live in a metro area and don’t own a car, you may use Uber on a weekly (or even daily) basis. If that sounds like you, there could be serious value in this card. The Uber Visa Credit Card could also be a great choice if you take a lot of domestic business trips or vacations.

Put simply, if you frequently hail an Uber, this card is a strong option. Otherwise, the lack of redemption flexibility makes it a no-go.

There are simply too many other great cash back cards that offer similar rewards rates on rideshare services, travel and restaurants, while also giving you more redemption choices.

Not sure this is the card for you? Consider these alternatives.