Review: Uber Visa Credit Card

The car service Uber, in partnership with Barclaycard, offers a credit card with some inspired rewards for the right person. Are you that person? Check out our overview/review of the Uber Visa below to decide for yourself.

So, let’s start with the rewards program and see what you get for charging your purchases to the Uber Visa. You receive:

  • 4% cash back on restaurant purchases, including those ordered through UberEats.
  • 3% cash back on airline and hotel stays, as well as on vacation rental/Airbnb stays.
  • 2% cash back for online purchases, which includes e-commerce shopping as well as subscriptions like Netflix, Amazon Prime, etc., and, of course, Uber.
  • 1% cash back on everything else.

In addition to these ongoing rewards, you can earn a bonus $100 if you spend at least $500 with the card in the first 90 days of having it.

Your rebates on this card can be redeemed for straight cash, or you can choose to put your earnings toward Uber credits or other gift cards.

We really like this card because it not only gives generous rewards but it also put some real thought behind those rewards, obviously targeting a younger customer whose extra income goes toward dining out and travel, and whose purchasing behavior tends to be very much online or via apps like Uber. While anyone could fit the profile for this card, Uber and Barclaycard obviously were inspired by a certain vision of a young, on-the-go professional with certain tastes and spending choices.

There is no annual fee for the Uber Visa. There are also no foreign transaction fees on purchases outside of the United States. (Many credit cards charge 3% on transactions outside the U.S.)

In terms of interest rate, this card offers a 15.99% interest rate for excellent credit customers, but you also could be approved at a 21.74% or 24.74% rate if your credit history is not as excellent. Be careful not to carry a balance here, or the interest you pay could essentially cancel out the rewards you receive.

But, assuming you pay off your cards in full and on time, there are very nice rewards to be had with the Uber Visa. You can apply online via this application.