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Marketing Disclosure

Uber Credit Card

Our Two Cents: Uber Visa Card Review

The Uber credit card will come with a variety of useful perks - aggregating some of the more interesting and competitive features from some competitor credit cards. The cards most attractive perk, 4% cash back on dining, is best in class when it comes to a card with no annual fee. This covers dining at restaurants, bars, and Uber eats. You'll also enjoy 3% cash back on hotel and airfare, 2% on on-line purchases, and 1% on everything else. To top it off, you'll earn a $50 statement credit for subscription services like Netflix when you spend $5,000 on the card in a year. We like to think of this as an additional 1% cash back on the first $5,000 you spend every year, making those earning rates truly best in class for a no annual fee card. The card also comes with $600 of cell phone coverage, and doesn't charge foreign transaction fees. Barclaycard hit a home run with this one.


Counting Your Pennies - How To Earn Cash Back with the Uber Visa Card

Earning cash back is pretty straight forward. Use your card and earn the rate associated with that spend. There are no caps or hoops. You can start redeeming points for 1 cent each in 500 point increments for Uber rides directly through the application or you can redeem for $25 gift cards starting at 2,500. 


Who Should Get It?

Anyone that dines out and values cash back over points. This card offers exceptional value for the first $5,000 in spend and continues to offer good value after that. You won't find this card useful if you need a balance transfer, or need to carry a balance from month to month. If that sounds like you a card with a 0% intro APR would better suit your needs. If this sounds like you, consider the Barclaycard Cash Forward. You'll also want to have good to excellent credit if you want a good shot at approval.


Who Shouldn’t Get it?

In our minds, there really isn't an equivalent card on the market today. The closest option from an earning perspective would be the Chase Sapphire Reserve, which offers 4.5% cash back on travel and dining when your rewards are redeemed for travel. The Reserve also comes with a $450 annual fee, so these cards aren't playing the same game. If you're  traveling a few times a year, the Sapphire Reserve might make sense for you since it comes with a $300 travel credit to help alleviate some of that annual fee, but the Uber card will be a good wallet staple for most. If your credit is on the weaker side, we'd probably recommend you look at something like the Discover it Secured card, which earns 2% cash back on dining and gas, and 1% on other purchases.


Final Thoughts

This is a very strong offering that makes the launch of the Capital One Savor card and its 3% cash back on dining outdated and noncompetitive only a month after that product was launched. While the 2% on Uber seems low - you might expect that the earning rate for the flagship brand would be the card's best perk, this card aims to deliver you the complete experience. To be honest, 9 times out of 10 your restaurant bills will exceed your Uber rides. You're better off earning 4% cash back on your dining bill than on your Uber ride. In our opinion, Barclaycard developed a product that is perfect for a night (or weekend) out on the town.


Uber Visa Card Highlights

  • 4% Cash Back on Dining
  • 3% Cash Back on Hotel and Airfare
  • 2% Cash Back on Online Purchases (Including Uber)
  • 1% Cash Back on everything else
  • No Annual Fee


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