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Uber Visa Card Review

Uber Visa Card Review

*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Jan 23, 2019, but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.

The information related to the Uber Visa Card has been collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.

Whether you’re a millennial, foodie, frequent traveler or Netflix junkie, the Uber Visa Card has a feature for your benefit. This rewards card has a $0 annual fee and a robust rewards program that rivals some of the best dining and travel cards.

Note: If you’re looking for the Uber Fuel Card which offered 1.5% off gas, it’s no longer available and April 24, 2018 was the last day cardholders could use the card.

We’ll review the various benefits and potential setbacks of the Uber Visa Card and compare it with alternative dining, travel and cashback cards.

What we like about the Uber Visa Card

4% back on dining purchases. The Uber Visa Card offers a fantastic 4% back on dining purchases which includes restaurants, Uber Eats, fast food, and bars. This is the highest rewards rate on dining purchases for a $0 annual fee card, earning you more rewards than other dining cards.

$0 annual fee. It’s hard to find a well-rounded travel and dining card that doesn’t charge an annual fee, setting the Uber Visa Card apart from competitors.

Annual subscription credit. You can receive up to a $50 credit for online subscription services after you spend $5,000 or more on your card per year. So, this can help cover some of the fees for streaming your favorite music, television shows and more. Eligible digital music, video and shopping subscription services include: Apple Music, Pandora, Spotify, Amazon Music, Google Music, Audible, Sirius XM, Netflix, Hulu, HBO NOW, DirecTV NOW, the membership fee for Amazon Prime, and Shoprunner.

Cellphone protection. When you pay your cellphone bill with your card, you can receive up to $600 per claim for mobile phone damage or theft (up to $1,200 per 12-month period). Just know, this protection is secondary to any other insurance you have.

No foreign transaction fee. This card doesn’t charge a fee for purchases made outside the U.S. This is a key feature frequent travelers should look for since foreign transaction fees typically tack on 3% per transaction made abroad.

Exclusive access. Occasionally, cardholders may receive exclusive access to events and special offers in select U.S. cities; primarily New York, San Francisco, Los Angeles, Chicago and D.C.

What we don’t like about the Uber Visa Card

Redemption minimums. Before you can redeem rewards, you have to reach a minimum amount. Redemptions for Uber Cash start at 500 points for $5 and all other redemptions start at 2,500 points for $25. However, this isn’t a major setback since many cards set minimum reward redemption amounts of $25.

Daily redemption limit. You can’t redeem an unlimited amount of rewards in a single day — there is a $500 daily limit for redemptions for Uber credits and cash back via bank deposit. But, odds are you won’t be redeeming $500 worth of rewards in a day.

No intro 0% periods. This card doesn’t offer any introductory interest-free periods for new purchases or balance transfers. If you’re looking to finance new purchases, there are plenty of other cards offering no interest on purchases and balance transfers for up to 21 months.

Low 1% on everyday purchases. While the rewards program is great overall (4% back on dining, 3% back on hotel and airfare, 2% back for online purchases, and 1% on everything else) purchases outside the bonus categories earn a subpar 1%. You could earn more with a flat-rate card that offers 2% cash back on all purchases.

Rewards breakdown

Rewards: Earn 4% back on dining, 3% back on hotel and airfare, 2% back for online purchases, and 1% on everything else. This rewards program is geared toward foodies and frequent travelers that want to maximize rewards in these categories.

New cardmember offer: Earn $100 after spending $500 on purchases in the first 90 days from account opening.

How to redeem: Rewards can conveniently be redeemed for Uber credits, cash back and gift cards online or via the app. One point is worth $0.01, so 5,000 points are worth $50 in Uber credits, cash back, or gift cards.

Alternatives

Dining card

  • 4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.

  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening

  • No minimums for redeeming and cash back won't expire for the life of the account

Highlights
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

See additional details for Capital One® Savor® Cash Rewards Credit Card

More Info

The Capital One® Savor® Cash Rewards Credit Card offers the same rewards rate on dining purchases, but differs in other categories: 4% cash back on dining; 4% cash back on entertainment; 2% cash back at grocery stores; 1% cash back on all other purchases. plus, earn 8% cash back on tickets at vivid seats through may 2020.. This card is better suited for people who also want to earn rewards on entertainment purchases, such as concerts and at grocery stores. Keep in mind that there is an annual fee of $0 intro for first year; $95 after that.

Travel card

  • Earn 3X points for eating out & ordering in, 3X points for gas stations, rideshares & transit, 3X points for travel including flights, hotels, homestays and car rentals.

  • 0% for 12 months on purchases and qualifying balance transfers

  • 16.24% to 27.24% (Variable)*

Highlights
  • Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months – that’s a $300 cash redemption value
  • $0 Annual Fee
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee

See additional details for Wells Fargo Propel American Express® Card

More Info

The Wells Fargo Propel American Express® Card is another $0 annual fee travel card that offers the same rewards rate on travel: Earn 3X points for eating out and ordering in, 3X points for gas stations, rideshares and transit, and 3X points for travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases. However, cardholders earn less rewards on dining out and online purchases compared with the Uber Visa Card, but more rewards for gas stations, ride-shares and transit. So, if you spend more on the latter, consider the Wells Fargo Propel American Express® Card. Plus, this card has a range of travel perks from car rental loss and damage insurance to lost or damaged baggage insurance.

Flat-rate card

  • Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases

  • 0% for 18 months on Balance Transfers*

  • 15.74% - 25.74%* (Variable)

Highlights
  • Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases
  • To earn cash back, pay at least the minimum due on time
  • 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness.*
  • Balance Transfers do not earn cash back
  • No categories to track, no caps on cash back, no annual fee*

See additional details for Citi® Double Cash Card – 18 month BT offer

More Info

The Citi® Double Cash Card – 18 month BT offer is the leading flat-rate cashback card from a major issuer, allowing cardholders to earn the same amount of cash back on every purchase — earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases. This card also comes with Citi® Price Rewind, where you can register eligible items and Citi will search for a lower price for 60 days from purchase date. If a lower price is found, you may be reimbursed for the difference between what you paid and the lower price.

Bottom line

The Uber Visa Card is a great choice if you want to earn high rewards on travel and dining purchases, without dealing with an annual fee. Cardholders can also benefit from helpful perks like cellphone protection, an annual subscription services credit and on-the-go rewards redemption that can make this card worthwhile.


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