Ordering food through Uber Eats has become a staple for many, offering convenience and a wide variety of cuisines at our fingertips. Maximizing your rewards while enjoying this service is a smart financial move. Choosing the right credit card can significantly reduce your overall expenses by earning valuable points, cash back, or other perks on your Uber Eats orders.
This article explores the best credit cards for Uber Eats in 2024, highlighting their rewards programs, benefits, and fees. Understanding these factors will help you select the card that best aligns with your spending habits and financial goals, ensuring you get the most out of every delicious delivery.
| Credit Card | Rewards on Uber Eats | Other Notable Benefits |
|---|---|---|
| Capital One SavorOne Cash Rewards Credit Card | 3% Cash Back on Dining, Entertainment, Streaming & at Grocery Stores (includes Uber Eats) | No Annual Fee, 8% cash back on Capital One Entertainment purchases, extended warranty coverage, travel accident insurance, intro APR period on purchases and balance transfers. |
| American Express Gold Card | 4x Membership Rewards points at U.S. Restaurants & at U.S. Supermarkets (includes Uber Eats when coded as restaurant) | Up to $120 Uber Cash annually (distributed monthly, enrollment required), up to $120 Dining Credit annually (enrollment required, at select restaurants), purchase protection, travel insurance, access to Amex Offers. |
| Chase Sapphire Preferred Card | 2x Ultimate Rewards points on Dining (includes Uber Eats) | 5x points on travel purchased through Chase Ultimate Rewards, travel and purchase protection, no foreign transaction fees, point transfer to airline and hotel partners, DoorDash DashPass subscription (activation required by December 31, 2024). |
| Chase Freedom Unlimited | 5% Cash Back on travel purchased through Chase Ultimate Rewards, 3% Cash Back on Dining (includes Uber Eats) | 1.5% cash back on all other purchases, intro APR period on purchases and balance transfers, purchase protection, trip cancellation/interruption insurance. |
| U.S. Bank Altitude Go Visa Signature Card | 4x Points on Dining, Takeout, and Restaurant Delivery (includes Uber Eats) | $15 Streaming Service Credit annually (requires 11 consecutive months of streaming service purchases), 2x points on grocery stores, streaming services, and gas stations, cell phone protection when you pay your bill with the card. |
| Discover it Chrome Gas & Restaurant Rewards | 2% Cash Back at Gas Stations and Restaurants (includes Uber Eats) on up to $1,000 in combined purchases each quarter. | Discover matches all the cash back you’ve earned at the end of your first year, no annual fee, no foreign transaction fees, free FICO credit score, purchase protection. |
| Citi Custom Cash Card | 5% Cash Back on your top eligible spend category each billing cycle (up to $500 spent), which can be Dining (includes Uber Eats) | No annual fee, 0% intro APR, balance transfer offer, Citi Entertainment access. Requires active monitoring to maximize 5% cash back benefit. |
| Uber Visa Card (Discontinued) | 4% back in Uber Cash on Uber Eats and Uber rides | While not available for new applicants, existing cardholders continue to earn rewards. Benefits included no annual fee and travel accident insurance when the card was active. |
Detailed Explanations
Capital One SavorOne Cash Rewards Credit Card: This card offers a solid 3% cash back on dining, entertainment, streaming services, and grocery stores, making it a great choice for Uber Eats users. The no annual fee is a significant advantage. The card also offers 8% cash back on Capital One Entertainment purchases, extended warranty coverage, and travel accident insurance. Furthermore, the introductory APR period can be beneficial for managing existing debt or making large purchases.
American Express Gold Card: While it comes with an annual fee, the Amex Gold Card provides significant value for frequent diners and grocery shoppers. Earning 4x Membership Rewards points at U.S. restaurants and supermarkets (which often includes Uber Eats) can quickly accumulate a substantial rewards balance. The annual Uber Cash and Dining Credits further offset the annual fee, especially if you utilize them regularly. Amex Offers provide additional opportunities to earn bonus points or statement credits.
Chase Sapphire Preferred Card: This card is a popular choice for travel enthusiasts. It earns 2x Ultimate Rewards points on dining, including Uber Eats. The 5x points on travel purchased through Chase Ultimate Rewards is a major draw. The card also offers valuable travel and purchase protection benefits, no foreign transaction fees, and the ability to transfer points to airline and hotel partners for potentially higher redemption values. The included DoorDash DashPass subscription (activation required) provides additional savings on delivery fees.
Chase Freedom Unlimited: The Freedom Unlimited offers a straightforward cash back structure. While not solely focused on dining, it provides 3% cash back on dining, including Uber Eats. The 1.5% cash back on all other purchases makes it a versatile everyday card. The intro APR period and travel/purchase protection benefits add further value. The 5% cash back on travel purchased through Chase Ultimate Rewards makes this a strong contender when booking travel through the Chase portal.
U.S. Bank Altitude Go Visa Signature Card: This card is specifically designed for dining and streaming enthusiasts. It offers 4x points on dining, takeout, and restaurant delivery, including Uber Eats. The $15 annual streaming service credit is a nice perk. The 2x points on grocery stores, streaming services, and gas stations make it a well-rounded card for everyday spending. Cell phone protection is a valuable benefit if you pay your bill with the card.
Discover it Chrome Gas & Restaurant Rewards: This card is a solid option for those seeking a cash back card with no annual fee. It offers 2% cash back at gas stations and restaurants, including Uber Eats, on up to $1,000 in combined purchases each quarter. The Discover match program at the end of the first year effectively doubles your cash back. The free FICO credit score and purchase protection provide added benefits.
Citi Custom Cash Card: This card offers a unique rewards structure. It provides 5% cash back on your top eligible spend category each billing cycle (up to $500 spent). If dining, including Uber Eats, is your highest spending category in a given month, you'll earn 5% cash back on those purchases. The no annual fee is a significant advantage. However, you need to actively monitor your spending to ensure you're maximizing the 5% cash back benefit each month.
Uber Visa Card (Discontinued): While no longer available for new applicants, existing cardholders continue to earn 4% back in Uber Cash on Uber Eats and Uber rides. The absence of an annual fee made it a popular choice when it was offered. The travel accident insurance provided added peace of mind. It's important for existing cardholders to evaluate whether this card still meets their needs compared to other available options.
Frequently Asked Questions
Which credit card offers the highest rewards for Uber Eats?
The American Express Gold Card and U.S. Bank Altitude Go Visa Signature Card often provide the highest rewards for Uber Eats, depending on your spending habits and redemption preferences. The Amex Gold card offers 4x points, while the U.S. Bank Altitude Go card offers 4x points as well, albeit with different redemption options.
Is there a credit card specifically for Uber Eats?
The Uber Visa Card was previously available but is no longer offered to new applicants. Current cardholders can still use it, but should consider other options for better rewards.
Do any credit cards offer statement credits for Uber Eats?
The American Express Gold Card offers up to $120 in Uber Cash annually, distributed monthly, which can be used for Uber Eats. Enrollment is required.
Can I use my credit card points for Uber Eats?
Yes, many credit card rewards programs, such as Chase Ultimate Rewards and American Express Membership Rewards, allow you to redeem points for Uber Eats purchases. The redemption value varies depending on the program.
Are there any credit cards with no annual fee that offer good rewards for Uber Eats?
The Capital One SavorOne Cash Rewards Credit Card, Discover it Chrome Gas & Restaurant Rewards, and Citi Custom Cash Card are excellent no-annual-fee options that offer rewards on Uber Eats purchases. The best choice depends on your overall spending patterns.
Does the Chase Sapphire Preferred Card offer any Uber Eats benefits?
While it earns 2x points on dining, including Uber Eats, the Chase Sapphire Preferred Card’s primary Uber Eats benefit is the included DoorDash DashPass subscription (activation required by December 31, 2024), which provides free delivery and reduced service fees.
How do I choose the best credit card for Uber Eats?
Consider your spending habits, annual fee tolerance, and preferred redemption options. Compare the rewards rates, benefits, and fees of different cards to find the one that best aligns with your needs.
Conclusion
Choosing the right credit card can significantly enhance your Uber Eats experience by maximizing rewards and minimizing costs. Carefully evaluate your spending habits and preferences to select the card that provides the best value for your needs. The Capital One SavorOne and American Express Gold Card are strong contenders, each offering unique benefits for Uber Eats users.