What the Uber Credit Card is and who issues it
The Uber Credit Card is a co-branded card issued by Barclays Bank in partnership with Uber. It's a standard rewards credit card — not a prepaid card or account balance — that earns cash back on Uber rides, Uber Eats orders, and other purchases. You apply through Barclays, get approved or denied based on your credit history, and use it like any other credit card.
The card is designed for people who regularly use Uber's services and want to earn rewards on those purchases. It also offers rewards on other spending categories, though at lower rates than Uber-specific purchases. Like all credit cards, you'll receive a monthly bill and pay interest if you carry a balance.
Key Takeaways
- The Uber Card earns 4% cash back on Uber rides and Uber Eats orders, and 2% on restaurants and travel booked through other platforms.
- You need a credit score in the good to excellent range to be approved, and Barclays will check your credit report as part of the application.
- There is no annual fee, but you pay interest on any balance you don't pay off in full each month.
- Cash back is deposited into your Uber account as credits, not paid to your bank account, so you can only use it for Uber services.
Rewards structure and how cash back works
The card earns 4% cash back on Uber rides and Uber Eats orders. On restaurants and travel booked outside Uber (through other platforms or directly), you earn 2% cash back. On all other purchases, you earn 1% cash back. These rates are fixed and do not change based on spending level or card membership tier.
Cash back is credited to your Uber account as Uber Cash, not deposited into your bank account. This means you can only use the rewards to pay for Uber rides, Uber Eats orders, or Uber services — you cannot withdraw it as money or use it elsewhere. The credits appear in your Uber app within a few days of the transaction posting to your card.
There is no cap on how much cash back you can earn, and credits do not expire as long as your Uber account remains active. If you close your Uber account, you may lose access to unused credits, so check your card terms for the specific policy.
Annual fees, interest rates, and other costs
The Uber Card has no annual fee. You pay nothing to hold or use the card, regardless of how much you spend or how long you keep it open.
Interest rates (the APR, or annual percentage rate) vary based on your creditworthiness and current market conditions. Barclays will tell you your specific APR when you apply. If you carry a balance from month to month, you'll pay interest on that balance at your APR. If you pay your full statement balance by the due date each month, you pay no interest.
Late payments trigger a late fee, and if you miss a payment by more than 60 days, the card issuer may report the delinquency to credit bureaus, which can damage your credit score. Always pay at least the minimum by the due date to avoid these consequences.
Credit score requirements and the application process
Barclays typically approves applicants with a credit score of 670 or higher, though the exact threshold can vary. A score in the "good" range (usually 670–739) gives you a reasonable chance; scores in the "very good" or "excellent" range (740+) make approval more likely. If your score is below 670, you may be denied or offered a card with less favorable terms.
The application takes about 10 minutes and asks for your name, address, Social Security number, income, and employment information. Barclays will run a hard inquiry on your credit report, which temporarily lowers your score by a few points. You'll receive a decision within minutes to a few days. If approved, the card typically arrives within 7 to 10 business days.
If you're denied, you can ask Barclays why and may be able to reapply after improving your credit score or waiting several months. Applying multiple times in a short period can hurt your score further, so space out applications.
How the card compares to other Uber rewards options
Uber also offers rewards through its Uber One membership program, which gives you discounts on rides and Uber Eats orders for a monthly or annual fee. The Uber Card is separate from Uber One — you can use both together, and the rewards stack. If you use Uber frequently, combining the card's cash back with Uber One's discounts can maximize your savings.
Other credit cards offer rewards on dining and travel that may be higher than the Uber Card's 2% rate in those categories. If you spend more on restaurants and hotels than on Uber services, a different card might earn you more. Compare your own spending patterns against the card's rewards structure before applying.
What happens if you close the card or stop using it
You can close the Uber Card at any time by calling Barclays. Closing the card does not affect any cash back you've already earned — those credits remain in your Uber account. However, closing a credit card can lower your credit score slightly because it reduces your total available credit and may increase your credit utilization ratio on other cards.
If you stop using the card but keep it open, Barclays may eventually close it due to inactivity, though this typically takes a year or more of no purchases. An inactive card still counts toward your available credit and does not hurt your score simply by existing.
If your Uber account is closed or deleted, you may lose access to any unused Uber Cash credits. Review your card agreement for details on what happens to rewards if your Uber account is no longer active.
Frequently Asked Questions
Do I need an Uber account to apply for the card?
You need an Uber account to use the card's rewards, but you may be able to apply without one. Once approved, you'll link the card to your Uber account to start earning cash back on rides and Uber Eats orders. Set up your Uber account before or immediately after your card arrives.
Can I use the card for non-Uber purchases?
Yes. The card works everywhere Visa is accepted. You earn 1% cash back on purchases outside Uber's categories, and 2% on restaurants and travel booked elsewhere. The cash back still goes into your Uber account as credits, so you can only spend it on Uber services.
What if I have a balance transfer or promotional offer?
Barclays does not currently offer a 0% introductory APR period on the Uber Card. You pay interest on any balance you carry from month to month at your card's regular APR. Check the card's current terms before applying, as offers can change.
How do I check my cash back balance?
Your Uber Cash balance appears in your Uber app under your account or payment methods. You can also see recent transactions and cash back earned by reviewing your card statement through Barclays' website or app. Cash back typically posts within a few days of a transaction.
What if I dispute a charge on the card?
Contact Barclays directly to dispute a charge. You have the right to dispute unauthorized or incorrect transactions, and Barclays will investigate. During the dispute, the charge may be temporarily removed from your bill. Keep receipts and documentation of your Uber rides or orders to support your claim.