Uber Visa Card review: Uber lovers rejoice! A no-annual fee card with smokin’ hot benefits

Friends walking on the beach thinking about applying for the Uber Visa credit card. Friends walking on the beach thinking about applying for the Uber Visa credit card. Image:

In a Nutshell

This new credit card offers great cash back earning potential and a ton of great perks — all with no annual fee. Anyone can benefit from this card — especially Uber users.

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What if you could take the best qualities of multiple credit cards and combine them to create a card with great perks that no other company offers? The result would be the new Uber Visa Card.

The Uber Visa Card is the brainchild of Barclays and Uber — and it only became available Nov. 2, 2017.

Barclays already offers some of the best rewards credit cards out there. With this new credit card, however, it has taken it up a notch.

With the Uber Visa Card, you can earn up to a whopping 4% back on dining and a 10,000-point ($100) sign-up bonus if you spend $500 on purchases within the first 90 days of account opening.

There are also tons of high-value perks, such as cellphone protection, which provides up to $600 for mobile phone damage or theft when you pay your mobile phone bill with your card, and up to a $50 credit for digital subscriptions if you spend $5,000 or more on your card each year.

It sounds like a great card, and it is. Still, there are a few things you should know before you hit the “apply” button. Read on to find out if this card is right for you.


What we like Heads up
  • No annual fee
  • Earn 4% back on dining, 3% back on hotels and airfare, 2% back on online purchases and 1% back on everything else
  • Sign-up bonus of 10,000 points ($100) after spending $500 on purchases within the first 90 days of account opening
  • $50 credit toward digital subscriptions if you spend at least $5,000 on your card each year
  • $600 for mobile phone damage or theft when you pay your mobile phone bill with your card. You can file up to two claims a year.
  • No foreign transaction fees
  • Your account may be closed if it has been inactive for six consecutive billing cycles
  • There is no 0% intro balance transfer offer, and you’ll pay either $10 or 3% of the amount of each transfer, whichever is greater
  • If you’re an uber-Uber user, you might find better value with a more premium travel rewards card

  1. The rundown: Everything we like about the Uber Visa Card
  2. Heads-up: What you should consider before applying for the Uber Visa Card
  3. Do the math: How to get the most out of the Uber Visa Card
  4. The competition: How the Uber Visa Card stacks up against similar cards
  5. Bottom line: Is the Uber Visa Card right for you?

The rundown: Everything we like about the Uber Visa Card

There’s a lot to love about the Uber Visa Card. Whether you use Uber a lot or not, there are enough perks here to benefit anyone living a digital lifestyle.

Under the rewards program, you earn a percentage of your purchase amount as points, which can be redeemed for Uber credits, cash back or gift cards. Let’s dive into the details.

No annual fee

You won’t pay a yearly fee to use this card. That’s a great deal! Below you’ll see just how much value this card can bring you.

No foreign transaction fees

Take this card with you while traveling. You won’t have to pay any foreign transaction fees.

High cash back rates on things you love

You’ll earn 4% back on dining purchases, including restaurants, bars, takeout and UberEATS. You’ll also earn 3% back on hotels and airfare (including rentals like Airbnb).

For most online purchases (including Uber, online shopping, video and music-streaming services), you’ll earn 2% back. You’ll get 1% cash back on everything else.

$100 sign-up bonus

If you spend $500 on purchases within the first 90 days of account opening, you’ll receive 10,000 bonus points, which have a value of $100 (one point is worth one penny).

Easy cash back redemption options

You can redeem points for a statement credit, a bank deposit, a gift card or to pay for Uber purchases. You’ll need at least 2,500 points to redeem a minimum of $25 for a statement credit, a bank deposit or a gift card. You can also redeem your points for credit toward an Uber ride once you have at least 500 points (worth $5).

Cellphone protection

If you pay your cellphone bill with this credit card, you are eligible to receive up to $600 if your cellphone is broken or stolen. You can file up to two claims a year.

There are a few stipulations though. For example, if the phone is stolen, you’ll need to file a police report within 48 hours. If it’s broken, you’ll need to hang onto the phone until after the claims-review process. You’ll also need to pay a $25 deductible, and coverage will only kick in after any other cellphone insurance plans that you have in place.

$50 credit toward online subscriptions

If you spend at least $5,000 on your card within your card membership year (the year between each anniversary that you opened the card), you’ll be eligible for a $50 credit toward online subscriptions for that year. If you have accumulated less than $50 in eligible services when you meet the $5,000 threshold, then you will receive statement credits for each new service transaction when it posts to your account until you reach $50 in purchases or you reach the end of the card membership year. Eligible services include Netflix, Amazon Prime, Spotify, Pandora and Audible.

Heads up: What you should consider before applying for the Uber Visa Card

Barclays wants to make sure that you actually do use this card. That’s why if you haven’t made any new purchases, made any payments or carried a balance on the card in six billing cycles, it may close the card on you.

If your account is in good standing and your card is closed, you’ll have a full 60 days to decide what to do with your points — either redeem them for a bank deposit or a gift card. If you don’t do anything within those 60 days, you will lose your points.

This is why we recommend that you consider how much you’ll actually use this card before you apply.

And although this card is geared toward frequent Uber users, it might not offer you the most benefit for Uber purchases.

“I personally think that it doesn’t earn enough rewards on Uber purchases,” says Alex Cohen, founder of the Birch app. “To me, a flat percent on Uber feels low, and you may even be better off using a card that earns more on travel where Uber is included.”

See below for more recommendations on credit cards that might net you a bigger benefit if you’re an uber-Uber user.

Do the math: How to get the most out of the Uber Visa Card

The best way to get the most value out of this card is to use it often.

At a bare minimum, we recommend setting up a monthly online subscription such as Netflix, Hulu or Spotify on autopay using this card. That way you’ll be sure to use it at least once within a six-month period and avoid having the card closed.

And if you do qualify for the $50 online subscription statement credit later, you’ll already have plenty of options to earn some of that money back.

Cohen also has a good tip to earn the most rewards possible with this card: “Use it for all your dining purchases! Take advantage of 4% unlimited cash back on dining. For people who keep it simple with cash back cards, this one will most likely earn you the most.”

The competition: How the Uber Visa Card stacks up against similar cards

Chase Sapphire Reserve® $300 annual travel credit as reimbursement for travel purchases (including Uber) charged to your card each account anniversary year
Platinum Card® from American Express Earn up to $200 for Uber rides annually

Chase Sapphire Reserve®

With the Chase Sapphire Reserve®, you’ll get a $300 annual travel credit as reimbursement for travel purchases (including Uber) charged to your card each account anniversary year. But this card is only for dedicated travelers: It comes with a hefty $450 annual fee.

From our partner

Chase Sapphire Reserve®

From cardholders in the last year

See Details, Rates & Fees

Platinum Card® from American Express

This is another card for the truly dedicated traveler. It comes with a $550 annual fee, but there are also many travel credits you can use to make up the cost of the card, including with a $200 annual Uber credit. This credit is distributed in $15 increments per month, with a $20 bonus Uber credit in December.

From our partner

Platinum Card® from American Express

From cardholders in the last year

See Details, Rates & Fees

 


Bottom line: Is the Uber Visa Card right for you?

We think that most people can benefit from using the Uber Visa Card, especially those who are living more of a digital lifestyle. But if you’re a hardcore Uber user and a frequent traveler, there may be other more premium travel rewards credit cards that are better for you.