Update Your Payment Method in the Uber App
You can change your credit card on Uber by opening the app, going to your account settings, and selecting a different card from your saved payment methods. The process takes about two minutes and takes effect when ready for your next ride.
If you want to add a new card instead of switching between existing ones, you'll enter the card details directly in the app. Uber stores your card information securely and does not charge you to update your payment method.
Key Takeaways
- Open the Uber app, tap your profile icon, and select "Payments" to see all your saved cards.
- You can switch to a different card, add a new one, or delete old cards from the same menu.
- Changes take effect when ready and explore to all future rides unless you change it again.
- If a card is declined during a ride, Uber will prompt you to update your payment method before completing the trip.
- You can set a default card so Uber always charges the same one unless you manually select a different option.
Step-by-Step: Adding a New Card to Your Uber Account
Start by opening the Uber app on your phone. Tap the profile icon in the bottom right corner (or top left on some versions), then scroll down and select "Payments."
You'll see a list of all cards already saved to your account. Tap "Add Payment Method" at the bottom of the list. Enter your card number, expiration date, and CVV (the three-digit code on the back). Add your billing zip code if prompted, then tap "Add Card."
Uber will verify the card by processing a small temporary charge, usually under $1, which will be refunded within a few days. Once verified, the card appears in your payment list and is ready to use.
Switching Between Your Saved Cards
If you already have multiple cards saved, switching between them is faster than adding a new one. Open the app, go to your profile, and select "Payments." You'll see all your saved cards listed with the current default marked.
Tap any card to select it as your default payment method. That card will be charged for your next ride. You can switch cards as often as you want—there's no limit to how many times you change your selection.
If you want to use a different card for just one ride without changing your default, some versions of the Uber app let you select a payment method during checkout, right before you request the ride.
Removing an Old or Unused Card
To delete a card you no longer use, open "Payments" in your account settings and find the card you want to remove. Swipe left on the card (on iPhone) or tap and hold (on Android), then select "Delete" or "Remove."
Uber will not let you delete your only payment method, so you must add a new card or payment option before you can remove the last one. Once deleted, that card cannot be charged by Uber, even if you have an active ride.
What Happens If Your Card Is Declined During a Ride
If Uber tries to charge your card and it's declined, the app will notify you when ready. You'll see a message asking you to update your payment method before the ride ends. You can add a new card or switch to a different saved card right from that screen.
Until you update your payment method, you won't be able to request another Uber ride. The driver will still complete the trip, but payment won't go through until you provide a working card. Some drivers may ask you to pay cash if the card fails, depending on your local Uber policies.
Using Alternative Payment Methods
Uber accepts credit cards, debit cards, and prepaid cards. You can also link a PayPal account or, in some cities, use a bank account directly. The steps for adding these are the same as adding a credit card—go to "Payments" and select "Add Payment Method."
If you use Uber Cash (a prepaid balance you load into your account), you can set it as your default payment method so it's charged before your card. This is useful if you want to spend down a balance before using your card.
Some regions also support digital wallets like Apple Pay or Google Pay linked through Uber. Check your "Payments" menu to see which options are available in your area.
Troubleshooting: Card Won't Save or Update
If you're trying to add a card and it keeps failing, first check that you've entered the number, expiration date, and CVV correctly. Make sure the billing zip code matches what your bank has on file.
If the card still won't save, your bank may have declined the transaction for security reasons. Contact your bank to let them know you're adding the card to Uber, then try again. Some banks require you to approve new merchants before they'll process the charge.
If you're having trouble updating an existing card (for example, after your card was replaced), delete the old card from your account and add the new one as a fresh entry. Do not try to edit the card details directly.
Frequently Asked Questions
Can I use different cards for Uber and Uber Eats?
No. Uber and Uber Eats share the same payment methods because they're part of the same account. If you change your card in one app, it changes in both. You can still select a different card for each individual order or ride if you have multiple cards saved.
Will changing my card affect my Uber rewards or loyalty program?
No. Your rewards and account history stay the same regardless of which card you use. Changing payment methods does not reset your account or affect any credits, promotions, or membership status you have.
What if I want to use a card that's not in my name?
Uber allows you to add any card to your account, but the card will be charged regardless of whose name is on it. The cardholder may see the charge on their statement. Make sure you have permission from the card owner before using their card.
How long does it take for a new card to be verified?
Most cards are verified when ready or within a few minutes. Uber processes a small temporary charge to confirm the card is valid, and that charge is refunded within three to five business days. You can use the card for rides as soon as it appears in your payment list.
Can I change my card if I have an active ride?
You can change your default card at any time, but it will only explore to your next ride. If you're currently in a ride, the original card you selected will be charged. After the ride ends, your new default card will be used for future trips.