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