| Last updated on November 17th, 2023
Uber Credit Card
Uber Credit Card
- 15.74%, 21.74% or 26.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.74%, 21.74% or 26.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 26.74% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5% in Uber Cash on Uber, Uber Eats, and JUMP
- 3% in Uber Cash on travel (airfare, hotels, and vacation home rentals)
- 3% in Uber Cash on dining (restaurants and bars)
- 1% in Uber Cash on all other purchases
- Up to $600 in mobile phone protection
- No annual fee
- No foreign transaction fee
- Regular Purchase APR: 15.74%, 21.74% or 26.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.74%, 21.74% or 26.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
At a Glance
Fans of rideshares and food delivery may find the card of their dreams with the revamped Barclays Uber Credit Card (formerly known as the Uber Visa Card). Card owners will earn an unrivaled 5% back on all Uber-related purchases (includes bike rentals and Uber Eats) and 3% back in popular dining and travel categories in the form of Uber Cash. This card is ideal for those who rely on Ubers when they go out for a night on the town or who or order delivery far more often they cook at home.
Ideal For Those Who:
- Have a smartphone
- Don’t own a vehicle
- Frequently partake in nightlife activities
- Live in a city where Uber is readily available
- Order delivery more than they cook at home
- Don’t travel enough for a designated “travel” card but still want to earn rewards on travel-related purchases
Uber Credit Card Review
Uber is known for more than just rideshares these days, and if you frequently partake in their other offerings (food delivery through Uber Eats or bike rentals through Uber JUMP) the Uber Credit Card is one that you’ll definitely want to consider. Naturally, the bonus categories favor Uber-related purchases (5% back) but also include above-average earnings for other popular reward categories (restaurants, bars, hotels, and airfare). The earning rates are extremely competitive considering that this a credit card with no annual fee; however, cardholders must be willing to trade high earning potential for limited reward redemption methods as rewards are earned in the form of Uber Cash (no longer cash-back).
Earning Rewards with the Uber Credit Card
New cardholders can take advantage of an easy-to-earn signup bonus of $100 in Uber Cash after spending $500 within the first 90 days of opening an account. While the welcome offer isn’t anything substantial, you will be able to get a few free rides (or meals) out it, depending on how far you need to go. After the Uber signup bonus is long gone, you’ll likely still see a healthy amount of Uber Cash flowing into your account if you decide to use your card for purchases within the bonus categories on a semi-regular basis.
While it’s a given that cardholders will see the biggest returns through Uber-related purchases, the (limited) rewards in the travel category might cause one to consider whether the Uber card from Barclays is eligible to be used as a travel card as well. Our thoughts? Not really, unless you don’t already own a travel rewards card and would otherwise be missing out on earnings from these purchases. In terms of dining rewards, it still isn’t particularly competitive as similarly structured rewards cards (namely the Capital One SavorOne) offer 3% cash back on dining as well but with the freedom of cash back.
According to CNBC, those living in major U.S. cities tended to spend an average of around $50-75 dollars on Uber every month. Taking into consideration other monthly averages in the reward categories the Uber card offers, the average spending for a month might look like the following:
- $75 on Uber
- $300 on restaurants
- $100 on bars
- $200 on airfare
Based on this, a person would then earn $21.75 in Uber Cash per month – and a total of $261 Uber Cash in a year, not too shabby. Each dollar of Uber Cash is the equivalent to $1 USD, so your $5 in Uber Cash can be used to cover your $5 ride or delivery. There is no minimum needed for redemption which is great, there is no cap on earnings, and your Uber Cash won’t expire as long as you have an active account in good standing.
Is the Uber Credit Card Right for You?
If you live in a major city, you’ll easily be able to rack in the credits for free rides and food – the only question that remains is whether you would want to in the first place. If you can count the number of times you’ve ordered an Uber (food delivery or otherwise) on a single hand, you’ll probably want to pass on the Uber rewards card and take a look at ones with more general rewards.
Since this card has no annual fee, it doesn’t hurt for those who simply want to earn 5% back towards a free Uber the next time they need a ride to the airport. Due to the limited redemption methods, however, this card has limited appeal and might not be suitable for use as one’s primary credit card.
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