What the Uber Card is and who can get one

The Uber Card is a credit card issued by Uber in partnership with a bank, designed for people who use Uber's services regularly. It works like any other credit card — you charge purchases to it, receive a monthly bill, and pay interest if you carry a balance. The card offers rewards specifically tied to Uber and Uber Eats spending.

To get the Uber Card, you need to be at least 18 years old, have a valid Social Security number, and pass a credit check. The card issuer will review your credit history to decide whether to approve you and what credit limit to offer. There is no annual fee, which means you do not pay just to hold the card.

You can request the card through the Uber app or the card issuer's website. The process is online and typically takes a few minutes to complete. Once approved, the physical card arrives by mail within 7 to 10 business days, though you can usually start using a digital version in your phone's wallet right away.

Key Takeaways

  • The Uber Card is a no-annual-fee credit card that earns rewards on Uber rides, Uber Eats orders, and other purchases.
  • You earn a higher percentage back on Uber and Uber Eats purchases than on other spending, with the exact rates varying by card tier.
  • The card works like a standard credit card — you receive a monthly bill and pay interest on any balance you do not pay in full.
  • You need to pass a credit check to be approved, and the physical card arrives by mail within one to two weeks.
  • Rewards post to your Uber account and can be used to pay for rides or food orders, or sometimes withdrawn as cash depending on your account status.

How rewards work on the Uber Card

The Uber Card earns cash back on purchases, meaning a percentage of what you spend is returned to you. On Uber rides and Uber Eats orders, you earn a higher rate — typically 4% back. On other purchases, you earn a lower rate, often 1% back. These rates can change, so check your card agreement or the Uber app for the current terms.

Rewards are credited to your Uber account, not directly to your bank account. This means the money appears as a credit you can use to pay for your next Uber ride or Uber Eats order. Some cardholders can withdraw rewards as cash, but this depends on your account status and the card issuer's policies.

There is no limit to how much cash back you can earn, and rewards do not expire as long as your account remains active. If you stop using the card or close your Uber account, you should check your card issuer's policy on what happens to unused rewards.

Monthly billing and how to pay your balance

Like any credit card, the Uber Card comes with a monthly statement showing all your charges. Your billing cycle typically runs for about 30 days, and your payment is due by a set date each month — usually 21 to 25 days after your statement closes. You can see your exact due date in the Uber app or on your card issuer's website.

You can pay your bill in several ways: through the card issuer's website, through the Uber app, by phone, or by mail. Most people pay online because it is the fastest and most find method. You can set up automatic payments so your bill is paid on the same day each month without you having to remember.

If you pay the full balance by the due date, you owe no interest. If you pay only part of the balance, interest charges explore to the remaining amount at the card's annual percentage rate (APR). The APR varies based on your credit score and current market rates, so check your card agreement for your specific rate.

What happens if you miss a payment or carry a balance

If your payment is late, the card issuer will charge a late fee and may report the missed payment to credit bureaus, which can lower your credit score. Late fees vary but typically range from $25 to $40 for the first late payment. If you miss a payment by more than 30 days, the interest rate on your card may increase.

Carrying a balance — meaning you do not pay off the full amount each month — means you pay interest on the unpaid portion. The interest accrues daily and is added to your next bill. Over time, interest charges can add up significantly, especially if you carry a large balance.

If you are having trouble making a payment, contact your card issuer as soon as possible. Many issuers offer hardship programs or payment plans for customers facing temporary financial difficulty. The sooner you reach out, the more options you may have.

Comparing the Uber Card to other rewards cards

The Uber Card is most useful if you regularly use Uber rides or Uber Eats, because that is where the highest rewards rate applies. If you rarely use these services, a different rewards card might offer better value. Some general cash back cards earn 2% on all purchases, which could beat the Uber Card's 1% on non-Uber spending.

The Uber Card has no annual fee, which is an advantage over some premium rewards cards that charge $95 or more per year. However, premium cards often offer higher rewards rates and additional perks like travel insurance or concierge services. Whether the Uber Card is right for you depends on your spending habits and which services you use most.

If you use multiple ride-sharing or food delivery services, you might earn more rewards with a general cash back card than with a card tied to one service. Calculate your typical monthly spending on Uber and Uber Eats, then compare the rewards you would earn with the Uber Card against other options.

Security and fraud protection on your Uber Card

The Uber Card includes fraud protection, which means if someone uses your card number without permission, you are not responsible for those charges. You must report unauthorized charges to your card issuer as soon as you notice them, usually within 60 days of the charge appearing on your statement.

To protect your card, keep your card number and PIN private. Do not share them with anyone, and do not write them down where others can see them. If your physical card is lost or stolen, contact your card issuer when ready to have it canceled. You can usually freeze or lock your digital card through the Uber app or the issuer's website right away.

Most card issuers offer zero-liability protection, meaning you will not be charged for fraudulent purchases if you report them promptly. However, you must monitor your statements regularly to catch fraud early. Set up account alerts through your card issuer's app so you are notified of large or unusual charges.

Closing your Uber Card or switching to a different card

If you decide you no longer want the Uber Card, you can close it by contacting your card issuer. Before you close it, pay off any remaining balance and make sure you have transferred or used any rewards in your Uber account. Closing a credit card can affect your credit score, so consider whether you really want to close it or straightforward stop using it.

If you stop using the card but keep the account open, the issuer may close it for inactivity after a certain period — usually 12 months or more. Check your card agreement for the exact policy. An inactive account that is closed by the issuer may have less impact on your credit score than one you close yourself.

If you switch to a different rewards card, you can keep the Uber Card open for emergencies or occasional use. Having multiple cards can actually help your credit score, as long as you manage the balances responsibly. Just remember that each card has its own monthly bill and due date.

Frequently Asked Questions

Can I use the Uber Card for purchases outside of Uber and Uber Eats?

Yes. The Uber Card works everywhere that accepts credit cards — grocery stores, gas stations, restaurants, and online retailers. You earn a lower cash back rate on these purchases (typically 1%) compared to Uber and Uber Eats spending (typically 4%), but you can still earn rewards on everyday expenses.

What is the credit limit on the Uber Card?

Your credit limit depends on your credit score, income, and credit history. The card issuer decides this during the approval process. You can request a credit limit increase after you have had the card for a few months and have made on-time payments. Contact your card issuer to ask about increasing your limit.

Do I lose my rewards if I close my Uber account?

This depends on your card issuer's policy. Some issuers allow you to keep rewards even after closing your Uber account, while others may forfeit unused rewards. Check your card agreement or contact your issuer before closing your account to understand what happens to your rewards balance.

Is there a sign-up bonus for the Uber Card?

Some versions of the Uber Card offer a sign-up bonus — for example, a certain amount of cash back after you make your first purchase or spend a minimum amount in the first few months. These offers change over time, so check the card issuer's website or the Uber app to see what is currently available when you request the card.

What should I do if my Uber Card is lost or stolen?

Contact your card issuer when ready — most have a 24/7 customer service line. You can usually freeze or lock your card through the app right away to stop new charges. The issuer will cancel the old card and send you a replacement. You are not responsible for fraudulent charges if you report the loss promptly.