Uber Credit Card

Cash back, Uber credits, and more ๐Ÿ’ณ

#4 Product of the DayOctober 25, 2017

The Uber Credit Card offers:

๐Ÿฝ 4% back on dining

โœˆ๏ธ 3% back on hotel and air fair

๐Ÿ–ฅ 2% for online purchases

๐Ÿ˜ป 1% back on everything else

There's no annual fee. Also earn $100 after spending $500 on purchases in the first 90 days.

Discussion
Would you recommend this product?
29 Reviews4.1/5
HunterPro
Uber is getting into the credit card industry, offering a competitive 4% back on restaurants/dining, 3% on travel, 2% on ecommerce, and 1% overall cash back. This is an impressive offer (most cards max out at 2-3%, and I only know of a single AMEX card that has offered more than 4% on restaurants - and that was just for a special promo). Incredibly excited for this. Already set my calendar.
Upvote (23)Share
@nickabouzeid I'm a CC nerd. This is quite exciting and blows away cards at no annual fee rates. ๐Ÿ’ณ
@nickabouzeid With the Chase Sapphire Reserve you get 3x points on Travel AND Dining and those points can be redeemed for 1.5ยข/pt. So you get 4.5% cash back on Dining + Travel and 1.5% cash back on everything else. Uber card is only better on e-commerce (which if you're spending that much online, it's probably on Amazon and you should get the 5% cash back Amazon card).
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@chris_hutchins sure but for average person who doesn't want to spend $450 on CSR then this is a great card. Personally I won't be applying for this as I have the CSR.
HunterPro
@chris_hutchins Quynh hit the nail on the head: the Uber card doesn't include the annual $450 fee, which probably makes this a better investment overall for most spenders. Seems like a simple enough Google Doc to build though! (maybe a fun weekend project ๐Ÿค”)
@nickabouzeid @chris_hutchins +1 Amazon Visa was awesome at 3% cash back, but ever since 5% w/ no annual fee, for me and my family, it's THE card to have.
"This offer is available only to applicants who are residents of the United States, with the exception of Puerto Rico and the US territories" ๐Ÿ˜ข Is there a EU-valid credit card that comes anywhere close to this?
Upvote (16)Share
@hellotiago No. EU capped the interchange fee to 0.3%, not much left so that banks can afford to give out rewards. So on the upside merchants will have to pay much less for card processing.
As always, The Points Guy has the best pros/cons breakdown on this: https://thepointsguy.com/2017/10...
Upvote (10)Share
The 4% back on dining is appealing but I still don't think it rivals the Amazon card that gets you a whopping 5% back on Amazon purchases ๐Ÿ˜
@yefim True. I was considering getting this card until I realized most of my purchases are on amazon. theres no way I could eat out at the rate I buy things on amazon.
HunterPro
@yefim The trick is... why can't you get both?
@yefim @nickabouzeid setting up the rotation is key. For me, having 3-4 cards for specific purposes works. Beyond that, it would get confusing!
HunterPro
@yefim @kunalslab I won't tell you how many cards are in my wallet then... ๐Ÿค”
@yefim @nickabouzeid I should have clarified. 3-4 regularly in the rotation! I have a bunch of one off cards that I'll use sparingly, like JetBlue for JetBlue purchases only. I just don't keep them all in my wallet ๐Ÿ™‚
The phone insurance on this seems amazing. $25 deductibles, and it covers up to $600 in damage per incident. A lot of people are going to feel comfortable going caseless now.