Best credit card to use at Lyft

Updated October 30, 2026

U.S. Bank Cash+ earns the most at Lyft: 5% cash back. Lyft usually codes as rideshare and taxis. Pick ground transportation as a bonus category (each quarter). Up to $2,000 of spending a quarter, then 1% cash back.

Check with your own cards

Top 10 cards at Lyft

1. 1
   U.S. Bank Cash+ 5%
   U.S. Bank · No annual fee

   • Pick ground transportation as a bonus category (each quarter)
   • Up to $2,000 of spending a quarter, then 1% cash back
2. 2
   Chase Sapphire Preferred 5%
   Chase · $95 a year

   • This rate runs through September 30, 2027
3. 3
   Southwest Rapid Rewards Priority 5%
   Chase · $229 a year

   • This rate runs through December 31, 2027
4. 4
   Chase Sapphire Reserve 5%
   Chase · $795 a year

   • This rate runs through September 30, 2027
5. 5
   Wells Fargo Autograph 3%
   Wells Fargo · No annual fee
6. 6
   Bank of America Customized Cash Rewards 3%
   Bank of America · No annual fee

   • Pick travel as a bonus category (until you change it)
   • Up to $2,500 of spending a quarter, then 1% cash back
7. 7
   Amex Blue Cash Preferred 3%
   American Express · $95 a year ($0 the first year)
8. 8
   Bilt Obsidian 3%
   Bilt · $95 a year

   • Activate the bonus with Bilt (free)
9. 9
   Southwest Rapid Rewards Premier 3%
   Chase · $149 a year

   • This rate runs through December 31, 2027
10. 10
    Chase Air Canada Aeroplan 3%
    Chase · $195 a year

From the issuers' terms

• U.S. Bank Cash+: “5% cash back on two categories you choose” usbank.com, checked 2026-10-24.
• Chase Sapphire Preferred: “Earn 5x on Lyft rides through 9/30/27” creditcards.chase.com, checked 2026-10-24.
• Southwest Rapid Rewards Priority: “earn 5X Rapid Rewards points on qualifying Lyft products and services purchased through the Lyft mobile application through 12/31/2027” creditcards.chase.com, checked 2026-10-26.

How this is ranked

Every personal card earnrate tracks, each set up at its best for this purchase: the right bonus-category pick, any activation done, and no spending cap used up yet. Points are counted at 1¢, what most are worth as cash or travel credit; transferring them to airlines or hotels can be worth more. Annual fees aren't subtracted here; to weigh them against your own spending, use My spending.

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