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It is amazing how much has changed in the way people travel. You used to have to rely on rental cars or taxis when you traveled back in the day, but now you can use your phone.

I wanted to write a post about the best credit cards to use for ridesharing, as well as some tips for maximizing value with the app.

  • First I’ll cover the partnerships that exist between credit card issuers and ridesharing companies, which can add significant value
  • Then I’ll talk about the partnerships that exist between airline and hotel loyalty programs, and ridesharing companies
  • Then I’ll talk about the best credit cards to use for ridesharing in general

The best credit card perks with Uber & Lyft

American Express, Capital One, and Chase all have partnerships with ride hailing companies. You can save a lot of money if you pick up an eligible card. This is the most efficient way to maximize value. What is offered by each issuer?

American Express card benefits with Uber

There is an ongoing partnership between American Express and the ride hailing service. Specifically, that's right.

Capital One card benefits with Uber

There is a partnership between Capital One and the ride-sharing service. This partnership is valid through November 14, 2024.

  • The no annual fee Capital One SavorOne Cash Rewards Credit Card (review) offers 10% cashback on all Uber and Uber Eats purchases; this is also available on the the Capital One Savor, Capital One SavorOne Student, and Quicksilver Student
  • The same cards also offer a complimentary Uber One membership, which ordinarily retails for $9.99 per month or $99.99 per year; just charge the membership fee to your card, and you’ll automatically receive statement credits for that amount

Chase card benefits with Lyft

Chase and Lyft offer bonus points for spending with each other. There are no caps on the rewards you can earn if you spend with Lyft.

The Chase Sapphire Reserve has a membership for two years. If you link your eligible card to your account, you can get your membership by the end of the year. This usually retails for $199 per year, so it's quite a bargain.

Earn bonus rewards points with Uber & Lyft

You can earn airline and hotel points by linking your accounts to these companies, as well as earning credit card rewards with them. The basics of those partnerships were covered by me.

Earn bonus airline & hotel points with Lyft

Members can earn bonus rewards with their choice of one of the three programs.

  • Alaska and Lyft have a partnership offering 1x Alaska Mileage Plan miles per dollar spent on US and Canada Lyft rides, with no caps on how many miles you can earn; through December 31, 2022, you can earn 2x Alaska miles on all these rides
  • Hilton and Lyft have a partnership offering 3x Hilton Honors points per dollar spent on US Lyft private rides, and 2x Hilton Honors points per dollar spent on US Lyft shared rides, on up to $10,000 of spending per year
  • Delta and Lyft have a partnership offering 2x Delta SkyMiles per dollar spent on US airport rides and 1x Delta SkyMiles per dollar spent on all other US Lyft rides, with no caps on how many miles you can earn

The Alaska partnership is the most lucrative, followed by theHilton partnership and the Delta partnership.

Earn bonus hotel points with Uber

Members can earn bonus rewards through partnerships with Marriott.

  • Marriott and Uber have a partnership offering 6x Marriott Bonvoy points per dollar spent on Uber Eats deliveries to hotels operating under the Marriott brand (minimum $25 basket), 3x Marriott Bonvoy points per dollar spent on Uber XL, Comfort, and Black rides, and 2x Marriott Bonvoy points per dollar spent on non-hotel deliveries and food pick-ups (minimum $25 basket)

Aside from the special partnerships that American Express and Chase have with ridesharing companies, let's take a look at the personal credit cards that offer the best rewards. This excludes any limited time bonus earning opportunities.

The return on spending is determined by my value of points. The equivalent of at least a 3% return is offered by the cards in all instances.

1. Chase Sapphire Reserve®

3x Chase UltimateRewards points are a reward for spending on rideshare.

The card yearly fee is $550.

None of the foreign transaction fees are included.

3x points are offered on all travel purchases by the Chase reserve. It's a great card to use for ride hailing companies.

You need to read a review of the Chase Reserve to apply.

2. American Express® Green Card

There is a reward for spending on rideshare.

The card annual fee is $150.

None of the foreign transaction fees are included.

3x points are offered on all travel purchases by the Amex green. It's the best Amex card for spending on ride hailing companies.

Apply for the Amex Green if you read a review of it.

3. Chase Sapphire Preferred® Card

2x Chase UltimateRewards points are a reward for spending on rideshare.

There is an annual fee for the card.

None of the foreign transaction fees are included.

2x points are offered on all travel purchases by the Chase. It's a great card to use for ride hailing companies.

Apply for the Chase Sapphire Preferred if you read a review.

4. Capital One Venture X Rewards Credit Card

Capital One Venture miles are a reward for spending on rideshare.

There is a card annual fee.

None of the foreign transaction fees are included.

This isn't a bonus category, but a very well rounded return on spending, which is what the Capital One Venture X offers. The Capital One card has a $300 annual credit and 10,000 bonus anniversary miles, so you don't need to worry about the annual fee.

Apply for the Capital One Venture X if you read a review.

The reward for spending is 2x World of Hyatt points.

There is an annual fee for the card.

None of the foreign transaction fees are included.

The World of Hyatt Card gives 2x points on local transit and is great for Hyatt loyalists.

You can read a review of the World of Hyatt Card.

6. Blue Cash Preferred® Card from American Express 

The 3% cash back is a reward for rideshare spending.

The card fee is $0 for the first year.

The fees for foreign transactions are 2.5%.

You can get 3% cash back on transit with the Blue Cash Preferred. I would only recommend using the card for purchases in the U.S. because of the foreign transaction fees.

Apply for the Blue Cash Preferred if you read a review.

Let's look at the most rewarding business cards after looking at the best personal credit cards.

There is a reward for spending on rideshare.

There is an annual fee for the card.

None of the foreign transaction fees are included.

3x points are offered on the first $150,000 spent on travel, shipping, internet, cable, and phone services, and advertising purchases made with social media sites and search engines. This is a great card for spending on rideshares around the world.

Apply for the Ink Business Preferred if you read a review.

There is a reward for spending on rideshare.

There is a card annual fee.

The fees for foreign transactions are 2.5%.

2x Amex points are offered on the first $50,000 spent on the Amex Blue Business Plus. I only recommend using the card for purchases in the US since it has foreign transaction fees.

Apply for the Amex Blue Business Plus if you read a review.

3. Capital One Spark Miles for Business

There is a reward for spending on rideshare.

The first year of the card is free.

None of the foreign transaction fees are included.

This isn't a bonus category, but a very well rounded return on spending, which is what the Capital One Spark Miles offer.

You can apply for the spark miles for business by reading a review.

It is worth making sure that you maximize your rewards for spending money on ride hailing services.

You could get a lot of value from the partnerships that Amex and Capital One have. It's based on my situation.

  • I use the Chase Sapphire Reserve Card to maximize value with Lyft, as I earn 10x Chase points and receive a complimentary Lyft Pink membership
  • I take advantage of the monthly Amex Platinum Card Uber credits, which save me $200 per year
  • I’m planning on picking up the no annual fee Capital One SavorOne Card, in order to earn 10% cashback on my Uber and Uber Eats spending, and to receive a complimentary Uber One membership

Do you have a credit card strategy for spending money on ride hailing services?

The rates and fees can be found in the links. The Blue Cash Preferred Card, The Blue Business Plus Credit Card, and the American Express Green Card are included.

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