What the Amex Uber One card does
The American Express Uber One credit card is a co-branded card issued by American Express and Uber that gives you rewards on Uber and Uber Eats spending, plus a membership to Uber One. The card itself costs money to hold each year — the annual fee varies and changes periodically, so check the current offer before you apply. In exchange, you get a credit toward your Uber One membership fee, cash back on certain purchases, and other perks tied to Uber's services.
This is a rewards card, not a housing or rental assistance product. It works like any other credit card: you charge purchases to it, pay a bill each month, and earn rewards based on what you spend. The Uber One membership that comes with it gives you discounts on Uber rides and Uber Eats orders, but does not affect your housing options or tenant rights.
Key Takeaways
- The Amex Uber One card charges an annual fee, which American Express credits back toward your Uber One membership.
- You earn cash back or points on Uber, Uber Eats, and other purchases depending on the card's current rewards structure.
- Uber One membership includes discounts on rides and food delivery, but is separate from housing or rental programs.
- The card's terms, rewards rates, and annual fee can change, so review the offer details before you decide to open an account.
Annual fee and Uber One membership credit
American Express charges an annual fee to hold this card. That fee is offset by a credit toward your Uber One membership, which also has its own annual cost. The net cost to you depends on whether you would pay for Uber One anyway — if you use Uber and Uber Eats regularly, the membership discount may make the card worthwhile; if you do not, you are paying for a membership you do not need.
The annual fee amount and the membership credit amount are set by American Express and can change. Before you open the account, confirm what the current fee is and what credit you will receive. American Express will post the credit to your account automatically each year if you keep the card open.
Rewards on Uber and Uber Eats purchases
The card offers cash back or points on spending at Uber and Uber Eats. The exact rate — how much you earn per dollar spent — depends on the current card offer and can vary by purchase type. You may earn a higher rate on Uber Eats orders than on rides, for example, or vice versa. Check the card's terms to see the current rates before you apply.
Rewards post to your account as you make purchases. You can usually redeem them as statement credits, cash back, or points toward future Uber purchases, depending on how American Express structures the program at the time you hold the card.
Rewards on other purchases
Most versions of this card also offer cash back or points on purchases outside Uber and Uber Eats — at restaurants, gas stations, or other merchants. The rate is typically lower than the Uber-specific rate. Again, the exact structure changes, so review the current offer to see what categories earn rewards and at what rate.
These rewards work the same way as Uber rewards: they post as you spend and can usually be redeemed as statement credits or cash back.
How Uber One membership works with the card
Uber One is a paid membership that gives you discounts on Uber rides and Uber Eats orders. When you hold the Amex Uber One card, the annual membership fee is credited back to your account, so you get the membership at no additional cost beyond the card's annual fee. If you cancel the card, your Uber One membership through the card ends, though you can still pay for Uber One separately if you want to keep it.
The membership discount applies automatically to your Uber and Uber Eats account when you link the card. You do not have to do anything else to activate it — it works as long as the card is active and the annual credit has posted.
When this card might not be right for you
If you rarely use Uber or Uber Eats, the annual fee will likely cost more than the rewards and membership credit are worth. If you do not have a credit history or have poor credit, American Express may not approve your application. If you are trying to manage debt or keep your credit utilization low, opening a new credit card account can affect your credit score in the short term.
This card is designed for people who already spend money on Uber and Uber Eats regularly and want to earn rewards and get a membership discount. If that does not describe your situation, a different card or no card at all may be the better choice.
How to understand the card's terms before you apply
American Express publishes the card's terms, rewards rates, annual fee, and membership credit on its website. Read these details carefully — they are the only source of truth about what you will actually earn and pay. Marketing materials may highlight the best features but do not always show the full picture.
Pay special attention to the annual fee amount, the membership credit amount, the rewards rates on Uber and Uber Eats, the rewards rates on other purchases, and any restrictions on how you can redeem rewards. If anything is unclear, contact American Express directly before you apply.
Frequently Asked Questions
Does this card help with housing or rental payments?
No. The Amex Uber One card is a rewards card for Uber and Uber Eats purchases. It does not provide housing assistance, rental support, or any programs related to housing. If you are looking for help with rent or housing costs, you need to explore rental assistance programs, housing vouchers, or other housing-specific resources.
What happens to my Uber One membership if I close the card?
Your Uber One membership through the card ends when you close the account. You can still use Uber and Uber Eats without the membership, but you will not get the member discounts. You can pay for Uber One separately if you want to keep the membership after you close the card.
Can I get the annual fee waived?
American Express does not typically waive the annual fee for this card. The fee is charged each year you hold the account. If you no longer want to pay it, you can close the card. Some promotional offers may waive the fee for the first year, but check the current offer to see what applies.
How does this card affect my credit score?
Opening a new credit card account can lower your score slightly in the short term because American Express will do a hard inquiry and add a new account to your credit history. Over time, if you pay your bill on time and keep your balance low, the card can help your score by improving your payment history and credit mix. The impact depends on your overall credit profile.
What if I have a dispute with a charge on this card?
Contact American Express directly with details of the charge you dispute. American Express has a dispute process and can investigate the charge, reverse it if warranted, or help you resolve the issue with Uber or Uber Eats. Your cardholder agreement explains the dispute process in detail.