What the Uber Credit Card is and who issues it
The Uber Credit Card is a co-branded card issued by Barclays in partnership with Uber. It is a standard rewards credit card — not a prepaid card or account-specific card — that you use like any other Visa card at merchants everywhere. The card earns cash back on Uber rides, Uber Eats orders, and gas station purchases, with a lower rate on everything else.
Barclays handles the credit line, billing, and account management. Uber handles the rewards program and the integration with your Uber app. You explore through Barclays' website, and once approved, the card arrives by mail within 7 to 10 business days. You then add it to your Uber app or use it anywhere Visa is accepted.
Key Takeaways
- The Uber Credit Card earns 4% cash back on Uber rides and Uber Eats, 3% at gas stations, and 1% on all other purchases.
- There is no annual fee, but you must have a credit score in the good to excellent range (typically 670 or higher) to be approved.
- Cash back posts to your Uber account as credits you can use for rides or food, or you can receive it as a statement credit on your bill.
- The card is a standard credit card, so late payments, high balances, and missed payments affect your credit score like any other card.
Rewards rates and how cash back is paid
The card earns 4% cash back on Uber rides and Uber Eats orders, 3% cash back at gas stations and EV charging stations, and 1% cash back on all other purchases. The 4% rate applies only to purchases made through the Uber app or website, not to rides hailed through a third-party service or Uber gift cards.
Cash back can be used in two ways. You can let it accumulate in your Uber account as credits toward future rides and food orders — this is the default. Or you can request a statement credit, which applies the cash back directly to your credit card bill. There is no minimum balance required to redeem, and cash back does not expire as long as your account remains open.
The 4% rate is higher than most general rewards cards, but it is limited to Uber's ecosystem. If you rarely use Uber or Uber Eats, the card's value drops significantly, and a flat-rate card (typically 2% cash back on everything) may serve you better.
Annual fee, credit requirements, and approval timeline
There is no annual fee. This makes the card worth keeping even if you use it infrequently, since there is no cost to carry it.
Barclays typically approves applicants with a credit score of 670 or higher, though the exact threshold varies. You will need a Social Security number, a current address, and income information. The process takes about 10 minutes online. You will usually receive a decision within minutes; if Barclays needs more information, they will call or email you within one business day.
Once approved, the physical card arrives within 7 to 10 business days. You can request a temporary digital card number when ready after approval to use in your Uber app or online while you wait for the physical card.
How the card affects your credit score
explore for the card triggers a hard inquiry, which temporarily lowers your credit score by a few points. This inquiry stays on your credit report for about two years but stops affecting your score after 12 months.
Once you have the card, your credit score is affected by the same factors as any other credit card: your payment history (the most important), your credit utilization (how much of your limit you use), the age of your account, and your mix of credit types. Paying on time every month and keeping your balance well below your credit limit will help your score. Carrying a high balance or missing a payment will hurt it.
The card itself does not report to Uber; it reports only to the three major credit bureaus (Equifax, Experian, and TransUnion) through Barclays.
Comparing the Uber card to other rewards cards
The Uber card's main advantage is the 4% rate on Uber and Uber Eats, which is higher than most competitors. The Chase Sapphire Preferred offers 3% on dining and food delivery but costs $95 per year. The American Express Blue Cash Preferred offers 3% on transit (including rideshare) but also costs $95 per year. The Citi Double Cash offers 2% on everything with no annual fee, but no category bonus.
If you spend $100 or more per month on Uber and Uber Eats combined, the Uber card's 4% rate likely saves you more than the annual fee of a premium card would cost. If you spend less, or if you use multiple ride-sharing or food delivery services, a flat-rate card may be more practical.
The Uber card does not offer travel protections, purchase protection, or extended warranty coverage — benefits that premium cards often include. It is a straightforward rewards card with no frills.
How to add the card to your Uber account and start earning
Once your card arrives, open the Uber app and go to the Payment Methods section. Add your new card by entering the card number, expiration date, and CVV. The card will appear as an option for payment on your next ride or food order.
You can also use the card anywhere Visa is accepted — at grocery stores, restaurants, gas stations, and online retailers. Only purchases made through the Uber app or website earn the 4% rate; purchases at other merchants earn 1% unless they fall into the 3% gas station category.
Cash back begins posting to your account when ready after each transaction. You can view your balance in the Uber app under your account settings. If you choose to receive cash back as a statement credit instead, contact Barclays to change this preference.
What happens if you close the card or stop using Uber
If you close the card, any cash back balance remaining in your Uber account stays there and can still be used for rides and food orders. The cash back does not disappear when the card closes.
If you stop using Uber but keep the card open, you can still earn 3% at gas stations and 1% on all other purchases. Since there is no annual fee, there is no cost to keeping the account active. However, Barclays may close the account if it remains unused for an extended period (typically 12 months or longer), though this is not may provide.
If you want to close the account yourself, contact Barclays by phone or through your online account. Closing a credit card can temporarily lower your credit score because it reduces your total available credit, so consider keeping it open if your score is important to you in the near term.
Frequently Asked Questions
Do I earn cash back on Uber rides paid for with someone else's money?
No. You earn cash back only on purchases you make with your own Uber Credit Card. If someone else pays for your ride through the app, or if you use a different payment method, that transaction does not earn rewards on this card.
Can I use the card to pay my Uber bill if I have an Uber business account?
The card works with personal Uber accounts. Business accounts have separate payment and rewards structures, and the Uber Credit Card is not designed for business use. Contact Uber for information about business account payment options.
What if I dispute a charge on the card?
Disputes are handled by Barclays, not Uber. Contact Barclays through your online account or by phone to report an unauthorized or incorrect charge. Barclays will investigate and issue a credit if the dispute is upheld. This process typically takes 30 to 60 days.
Does the card work internationally?
Yes, the card is a standard Visa and works anywhere Visa is accepted worldwide. However, you will pay foreign transaction fees (typically 3%) on purchases made outside the United States. The 4% Uber cash back rate applies only to purchases made through the Uber app, regardless of location.
What is the credit limit, and can I request a higher one?
Your credit limit is determined by Barclays based on your credit score, income, and credit history. It is typically between $500 and $5,000 for new cardholders. You can request a credit limit increase after six months of on-time payments by contacting Barclays through your online account.