Edit your card directly in the Uber app or website
To change the card Uber charges, open the Uber app and tap the account icon (usually your profile picture in the bottom right). Select "Payments" or "Payment methods." You'll see a list of cards you've added. Tap the card you want to replace, then select "Remove" or the trash icon. After you remove it, tap "Add payment method" and enter your new card details.
If you use Uber on a computer, log into your Uber account, click your profile icon, go to "Payments," and follow the same steps. The changes take effect when ready — your next ride will charge the new card you've set as your default.
You don't need to contact Uber support to make this change. The app handles it in under a minute, and you can add multiple cards and switch between them whenever you want.
Key Takeaways
- Open the Uber app, tap your profile icon, select "Payments," and remove the old card before adding a new one.
- You can add multiple cards to your Uber account and set any of them as your default payment method.
- Changes take effect right away — your next ride will charge whichever card you've marked as default.
- If you're updating because your card was compromised or expired, remove the old card completely rather than just switching to a new one.
- Uber accepts most major credit and debit cards, but some prepaid cards or foreign cards may not work depending on your location.
Why you might need to change your card
Your card details change for several reasons. Your card may have expired, been replaced by your bank, or been compromised in a data breach. You might also want to switch cards to earn rewards on a different card, or to use a card with a lower interest rate if you carry a balance.
If Uber declines your card during a ride, it's usually because the card is expired, the bank blocked the charge, or you've hit your credit limit. Updating to a different card is the fastest way to complete the ride without delay.
What happens to your old card after you remove it
Once you remove a card from your Uber account, Uber stops storing it and won't charge it for future rides. Removing a card does not cancel your Uber account or affect your ride history.
If you have an outstanding balance on that card from a previous Uber charge, removing the card from your account doesn't erase the debt — your bank will still expect payment. The card removal only stops Uber from attempting new charges to that card.
Adding a replacement card to your account
When you add a new card, you'll need the card number, expiration date, CVV (the three-digit code on the back), and your billing zip code. Uber may ask you to verify the card with a small test charge — usually a dollar or two that appears on your statement within a few days and is then refunded.
After you add the card, you can set it as your default by tapping it and selecting "Make default" or a similar option. If you don't set a default, Uber will use whichever card you added most recently.
If Uber keeps declining your new card
If your new card is being declined, first check that you entered the number, expiration date, and zip code correctly. A single wrong digit will cause the charge to fail. Remove the card and try adding it again, paying close attention to each field.
If the card is entered correctly but still declines, contact your bank or card issuer. They may have blocked the charge because they didn't recognize Uber as a merchant, or because you've hit a spending limit. Your bank can whitelist Uber or temporarily raise your limit. Once your bank approves it, try adding the card to Uber again.
Some prepaid cards, foreign cards, and cards from smaller banks don't work with Uber's payment system. If your bank confirms the card is active and has funds, but Uber still won't accept it, you may need to use a different card or contact Uber support to report the issue.
Setting a default card when you have multiple cards
You can store as many cards as you want in your Uber account. To choose which one Uber charges, go to "Payments," find the card you want to use, and select "Make default." That card will be charged for all future rides unless you manually switch it before requesting a ride.
Some riders keep multiple cards on file to spread charges across different cards for rewards purposes, or to have a backup if one card is declined. You can change your default card as often as you want — there's no limit to how many times you can switch.
Frequently Asked Questions
Can I change my card in the middle of a ride?
No. Once you've requested a ride, Uber has already authorized a charge to your current default card. You can change your card before you request your next ride, but not during an active trip. If your card is declined mid-ride, contact Uber support when ready to resolve it.
Does removing a card from Uber affect my credit score?
No. Removing a card from your Uber account is just removing it from their system — it doesn't close the card itself or change anything with your bank or credit report. Your credit score is not affected.
What if I want to use a different payment method instead of a card?
Uber also accepts PayPal, Google Pay, Apple Pay, and in some locations, bank transfers or digital wallets. Go to "Payments" and tap "Add payment method" to see what options are available in your area. You can mix and match — for example, use a card for some rides and PayPal for others.
Will my Uber rewards or credits transfer to my new card?
Yes. Your Uber account and any credits, rewards, or promotional balances are tied to your account, not to a specific card. Changing your card doesn't affect your balance or rewards history.
How long does it take for a new card to work on Uber?
Usually right away. Once you've entered the card details and completed any verification Uber requires, you can use it for your next ride. If Uber asks for a test charge to verify the card, that can take a few minutes to process, but you'll typically be able to ride within the same session.