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For severe foodies, the Uber Visa Card packs loads of options, minus the surge pricing: The cardboard’s annual payment is $Zero.
To get the perfect efficiency attainable from the cardboard, right here’s what to bear in mind.
» MORE: Full evaluation of the Uber Visa Card
Scoop up the sign-up bonus
The Uber Visa Card options the next welcome provide for brand spanking new cardholders: Earn $100 after spending $500 on purchases within the first 90 days. That’s not the very best bonus round, however it must be straightforward to snag, particularly for many who dine out a number of occasions every week.
» MORE: NerdWallet’s greatest bank card welcome bonuses
Eat, drink and get supply
Just about each time you open your mouth to eat and it’s not one thing you cooked your self, the Uber Visa Card will reward you with bonus factors. The card earns a limiteless four% money again on purchases made at eating places, quick meals eating places, bars and orders from Uber Eats.
The one different card with earnings that constantly excessive on eating out is the Capital One® Savor® Money Rewards Credit score Card, which earns four% again on eating and in addition leisure; 2% again on grocery retailer purchases; and 1% again on all different spending. However that card additionally carries an annual payment of $Zero for the primary yr, then $95. Once more, the Uber Visa Card’s annual payment is $Zero.
» MORE: NerdWallet’s greatest bank cards for eating places
Get out extra
The Uber Visa Card will reward you properly for journey bills, providing a beneficiant three% again on airfare, lodges and even journey company bills. However journey doesn’t at all times embody swiping tiny shampoo bottles from a resort cart, and for many who desire to journey a bit extra like an area, the card earns that very same three% again on residence share exchanges like Airbnb.
And do you have to select to make a passport-required journey, the Uber Visa Card is usually a top-notch journey companion due to its lack of international transaction charges. It additionally runs on the Visa cost community, so acceptance might be widespread.
» MORE: NerdWallet’s greatest playing cards for journey
Store on-line and binge-watch with it
Those that have a tendency to buy on-line at only one retailer repeatedly could also be higher off with a co-branded retailer card. However in the event you wish to unfold the web procuring love round, the Uber Visa Card’s limitless 2% again on certified web purchases — together with giants like Amazon, Walmart, Finest Purchase and Macy’s — is fairly arduous to prime.
That 2% bonus class additionally covers video and music streaming companies together with Netflix, Pandora, HBO Now and Apple Music, and even some on-line companies like Instacart and TaskRabbit. Along with that on-line cash-back fee, the Uber Visa Card additionally gives as much as a $50 assertion credit score for eligible on-line subscription companies after you spend $5,000 in your card per yr.
Pay for Uber rides with it … until you’ve got a greater choice
The Uber Visa Card earns 2% again on all Uber rides, which isn’t dangerous. However oddly, different playing cards will earn you extra for hailing a journey through Uber or related apps.
The $Zero-annual-fee Wells Fargo Propel American Categorical® card, for instance, earns three factors per greenback spent on rideshares, transit and gasoline stations, amongst different classes. Phrases apply.
And the Blue Money Most well-liked® Card from American Categorical earns three% money again on transit together with rideshares, taxes, trains, buses and extra. It does have an annual payment of $95, however then it additionally earns an eye-popping 6% again on eligible U.S. streaming companies — 3 times the speed the Uber Visa Card gives in that class. Phrases apply.
Redeem for money, not Uber credit score
Right here’s one other quirk of the cardboard: You’ll be able to redeem rewards for money again (as a press release credit score or financial institution deposit), reward playing cards or Uber credit — however you’ll get extra worth in the event you redeem for money, then use that money to purchase Uber credit. That’s since you’ll get a reduction on Uber for paying straight with money. Particularly, you get 5% off whenever you add $100, three% off whenever you add $50, and a pair of% off whenever you add $25.
However these reductions don’t apply in the event you redeem your rewards straight for Uber credit score.
» MORE: Money-back playing cards which can be nice for journey, too
Pay your mobile phone invoice with it
The Uber Visa Card comes with a perk that may be considerably arduous to search out: cell cellphone insurance coverage. Should you cost your month-to-month cell cellphone invoice to the cardboard, you’ll get protection for injury or theft of as much as $600 per declare after a $25 deductible. This protection is sweet for as much as two claims and $1,200 per 12-month interval.
Your mobile phone service will usually cost you a month-to-month payment to get related safety.
» MORE: Bank cards that provide mobile phone insurance coverage
Pair it with one other card
In the case of rewards playing cards that pay elevated charges in numerous areas, the buddy system could be essentially the most environment friendly method to maximize your earnings. By strategically pairing the Uber Visa Card with one other card, you’ll be able to earn elevated rewards on almost your entire spending.
For instance, in case your consuming bills are evenly break up between eating out and cooking at residence, it might make sense to make use of the Uber Visa Card for eating places and a card just like the Blue Money On a regular basis® Card from American Categorical to your grocery procuring, because it earns three% money again at U.S. supermarkets on as much as $6,000 a yr in purchases, then 1%. Phrases apply.
» MORE: Bank card coupling: Pair up your bank cards to maximise rewards