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How Does LendingTree Get Paid?

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Uber Visa Card vs. Chase Sapphire Reserve: Which Offers More Rewards?

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

If you’re looking for your next rewards card and spend a lot of money on Uber, then you might consider a card that can help you offset ride costs.

Many credit cardholders swear by the popular Chase Sapphire Reserve® as the best all-purpose travel rewards card, but that’s only if you do enough traveling to take advantage of the card’s best benefits (and make the hefty $550 annual fee worth it). If you’re a less frequent traveler whose enjoys dining out and cabbing it home, then the Uber Visa Card might be the better choice.

We’ll help you sort out the pros and cons of each credit card below.

Uber Visa Card vs. Chase Sapphire Reserve® comparison

Consider this general card comparison:

    • The Chase Sapphire Reserve® is hard to beat if you want great travel rewards, but only if you spend $1,000 or more on travel and dining each month, plus another $1,000 on other purchases. That spending activity nets you about $570 a year in travel rewards (after factoring in the annual fee of $550 and credits).
    • The Uber Visa Card would net you $540 in rewards based on the same spending – not a huge difference. But depending on your lifestyle, you might find that other Chase Sapphire Reserve® benefits (like travel insurance and the Priority Pass™Select membership that gives you access to 1,000+ airport lounges) provide better value.
    • If you don’t really care about airline miles and hotel stays, or are more of a foodie, go for the Uber Visa Card. It offers 5% back in Uber Cash on Uber rides, Uber Eats, and JUMP, 3% in Uber Cash on restaurants, bars, hotels, and airfare, and 1% back in Uber Cash on all other purchases – for a $0 yearly fee.

    For those who’d like some travel rewards but aren’t big spenders, it’s a tougher call, but the Uber Visa Card might still come out ahead if you frequently use Uber to get around and wish to redeem your earnings toward your rides. Just know that there’s no option to redeem your rewards for airline miles.

    Here are the details for each card:

    Uber Visa Card vs. Chase Sapphire Reserve®
    Uber Visa Card Chase Sapphire Reserve®
    Sign-up bonus Earn $100 in Uber Cash after spending $500 on purchases in the first 90 days from account opening Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
    Rewards 5% back in Uber Cash on Uber rides, Uber Eats, and JUMP, 3% in Uber Cash on restaurants, bars, hotels, and airfare, and 1% back in Uber Cash on all other purchases 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
    Uber rewards This card earns Uber Cash. You can transfer your Uber Cash to your Uber account at any time, or it will automatically transfer when your Uber Cash balance reaches $50. Uber is considered a travel expense, so you’ll earn 3X points when you pay for rides. Plus, it qualifies as part of the $300 travel reimbursement.
    Annual fee $0 $550
    Foreign transaction fee $0 $0
    Regular purchase APR 17.24%, 23.24% or 27.99% variable APR 16.99%-23.99% variable APR

    Uber Visa Card pros and cons

    This offer and/or promotion may have since changed, expired, or is no longer available.
    Pros

    $0 annual fee. As long as you don’t incur interest charges by revolving a balance, you can earn net rewards right from the start with this card.

    High bonus categories for dining and travel. Earning 5% back on Uber Eats and 3% back on other dining purchases makes this card a good option for foodies. Plus, earning 3% back on hotels and airfare is solid as well.

    Cons

    No airline or hotel transfer options. This card only earns Uber Cash. You can’t transfer your rewards to airline or hotel loyalty programs or redeem them as cash back, which some cardholders might find limiting.

    No travel insurance options. While the card offers up to $600 in coverage for stolen and damaged cellphones, as well as involuntary and accidental parting of your cellphone when you pay your monthly phone bill with the card, the card does not come with any other travel insurance options, such as  trip delay or baggage loss protections, it’s not the best travel card option.

    Chase Sapphire Reserve® pros and cons

    Disclosures |
    Chase Sapphire Reserve®
    Chase Sapphire Reserve®
    on Chase's secure site
    N/A
    16.99%-23.99% Variable
    $550
    5X total points on air travel and 10X total points on hotels
    • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
    • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
    • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
    • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
    • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
    750 850

    How Does LendingTree Get Paid?

    LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

    Pros

    Transfer Chase Ultimate Rewards® points into airline miles or hotel points. Chase Ultimate Rewards® is arguably the most flexible points program available. In addition to receiving a 50% more value for your points through the Ultimate Rewards travel portal with the Chase Sapphire Reserve® (so 50,000 points equals $750), you can also transfer your points. You’ll get a full 1:1 value with the following partners:

    • Aer Lingus, AerClub
    • Air Canada Aeroplan
    • British Airways Executive Club
    • Emirates Skywards®
    • Flying Blue AIR FRANCE KLM
    • Iberia Plus
    • JetBlue TrueBlue
    • Singapore Airlines KrisFlyer
    • Southwest Airlines Rapid Rewards®
    • United MileagePlus®
    • Virgin Atlantic Flying Club
    • IHG® Rewards Club
    • Marriott BonvoyTM
    • World of Hyatt®

    By spending the $4,000 required for the sign-up bonus, you can potentially earn 54,000 Ultimate Rewards points as a new cardholder (4,000 points from the spending, plus the 50,000 point bonus), worth around $810 in travel ($540 from the points, plus another $270 when you apply the 50% bonus if you redeem via the Ultimate Rewards Travel portal). And there’s potential for even better value if you’re transferring to a partner program.

    $300 annual travel credit. Another popular feature of the Chase Sapphire Reserve® is the $300 annual travel credit. Unlike other cards, the $300 annual travel credit is available for all travel purchases, from airfare and hotel rooms to extra fees, like checked baggage – Uber rides, too! Even better, statement credits post the same day and appear on your monthly statement within one to two billing cycles.

    Travel insurance benefits when paying with your card or Ultimate Rewards®. A unique benefit of the Chase Sapphire Reserve® is its travel insurance benefits when paying for a trip with your card, or with Ultimate Rewards points:

    • Baggage delay: Reimburses you for essential purchases such as toiletries and clothing for baggage delays over six hours by passenger carrier up to $100 a day for five days.
    • Baggage loss: If your luggage is damaged or permanently lost by an airline, you’re covered up to $3,000 per passenger.
    • Trip delay: When a common carrier is delayed by six hours or more, you and your family are covered for unreimbursed expenses, like meals and lodging, up to $500 per ticket.
    • Travel accident insurance: When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000.
    Cons

    High annual fee. Although you receive many benefits from the Chase Sapphire Reserve®, the $550 annual fee gives many people pause. While it’s in line with other high-end cards, you’ll want to be sure the value you earn is at least $150 more than the $300 annual travel credit. If not, this may not be the best card for you.

    Only two bonus categories. Another con is that it only offers two bonus categories: 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases While the categories cover a broad range of restaurants (fine dining to fast food) and travel options (flights, cruise lines, hotels, car rentals, trains and taxis), having only two bonus earnings can be limiting if you have more diverse spending habits.

    Fewer booking options on the Chase website. Finally, while you get 50% more value in when redeeming for travel through Chase Ultimate Rewards, your booking options may be limited. With the sole exception of Southwest, Chase Ultimate Rewards restricts the number of low-cost carriers you can book with around the world. Common discount airlines in other parts of the world, including Air Asia, easyJet and Ryanair, are all off the table.

    Check out our review of the Chase Sapphire Reserve®

    Why you may want to have both cards

    If you have the Chase Sapphire Reserve® already, adding the Uber Visa Card is an easy way to earn a higher rewards rate on your Uber rides, Uber Eats orders and trips on JUMP bikes and scooters. And since the Uber Visa Card charges a $0 annual fee, it won’t cost you extra to add this card to your wallet.

    With both rewards cards, you can use your Uber Visa Card points to save on Uber rides to the airport, and earn your Chase Sapphire Reserve® travel credit on flights and hotel stays (that you already saved on by booking through the Ultimate Rewards portal or partner exchange). Best of all, you can relax knowing that the whole trip – as well as your luggage, phone, and other belongings – will be covered by protections and insurances should something cause plans to go awry.

    What other cards offer Uber credits or rewards?

    The Platinum Card® from American Express, Chase Sapphire Preferred® Card and Ink Business Preferred℠ Credit Card are other cards offering Uber credits.

    The Platinum Card® from American Express is an elite card geared toward travelers who like VIP perks from preferred seating to global lounge access. New cardholders can earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. You’ll also get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply. Another perk is the $200 airline credit, but it must be used with one of the nine qualifying airlines. But the Uber value is strong – you’ll receive $15 in Uber credits for U.S. rides every month, delivered through an exclusive Uber app experience. That’s up to $120 in free Uber rides each year. The downsides are the high annual fee of $695, and the low earnings outside of travel.

    Disclosures |
    The Platinum Card® from American Express
    The Platinum Card® from American Express
    on American Express's secure site
    Terms Apply
    N/A
    See Pay Over Time APR
    $695
    5X Membership Rewards® points on flights booked directly with airlines or with
    • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
    • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
    • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
    • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
    • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
    • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
    • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
    • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
    • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
    • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
    • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
    • $695 annual fee.
    • Terms Apply.
    720 850

    How Does LendingTree Get Paid?

    LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

    The Chase Sapphire Preferred® Card is like the little sibling of the Chase Sapphire Reserve®. While many of the core benefits are the same (the 1:1 point transfers and travel protections), on this card you’ll earn just 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases. But, with a much lower $95 annual fee, it could be the compromise you’re looking for. For the sign-up bonus, you can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. that's $750 when you redeem through chase ultimate rewards®. Points are worth just 25% more when redeemed for travel through Chase Ultimate Rewards®  (that’s less value than Reserve customers get). As for Uber, you’ll earn just 2X points on your rides, which are classified as travel.

    Disclosures |
    Chase Sapphire Preferred® Card
    Chase Sapphire Preferred® Card
    on Chase's secure site
    N/A
    15.99% - 22.99% Variable
    $95
    5X points on travel purchased through Chase Ultimate Rewards®, 3X points on
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
    • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
    • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
    • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
    750 850

    How Does LendingTree Get Paid?

    LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

    If you’re in the market for a business credit card, with the Ink Business Preferred℠ Credit Card you can earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.. That’s worth $1,000 towards travel rewards when redeemed through Chase Ultimate Rewards®. The annual fee is just $95. As for as bonus categories, they are all aimed at small business owners: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. With Uber once again counting as travel, you’ll get 3X points.

    Disclosures |
    Ink Business Preferred℠ Credit Card
    Ink Business Preferred℠ Credit Card
    on Chase's secure site
    N/A
    15.99%-20.99% Variable
    $95
    Earn 3 points per $1 on the first $150,000 spent in combined
    • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
    • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
    • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
    • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
    • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
    • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
    • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
    750 850

    How Does LendingTree Get Paid?

    LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

    The information related to the Uber Visa Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.