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Driving for Uber and Lyft is independent contractor work.
That means you are running a business. You have expenses. Gas, water, maintenance, car washes, etc. One of the best ways to get the most out of your business is to get cash back on these expenses by using rewards cards.
Whether you create a business entity, like an LLC or an S-Corp, for your rideshare business, or you are just doing it under your own name (technically, you’re a sole proprieter), you can reap the benefits of cash back and mileage rewards cards for these expenses and get up to 5% back on all of your purchases. This can add up!
Let's take a look at some of the best cards available.
Personal Rewards Credit Cards
Discover it® Cash Back Card
0% Intro APR Offer
Credit Level: Good Credit
Past offer (not current): Earn 100,000 Bonus Marriott Bonvoy Points after you spend $5,000 in purchases on your new Card in your first 3 months. Plus, get 0.0% introductory APR on purchases for 6 months.
Rewards: Earn 5% Cashback Bonus® at different places each quarter up to the quarterly maximum each time you activate.
Current Promo: Earn 5% Cashback Bonus at Amazon.com, Target and Walmart.com from October 1–December 31, 2019, on up to $1,500 in purchases.
*New Cardmember Offer are available by clicking the “Apply Now” button on this page, and may not be available if you navigate away from or close this page. The bonus may not be available for existing or previous account holders. Terms and conditions apply. **2020 offer; check issuer for current terms.
Chase Freedom Unlimited®
Sign-Up Bonus and Intro APR (past offer)
Credit Level: Great Credit
Past offer (not current): Get a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.*
Rewards: Earn unlimited 1.5% Cash Back on every purchase automatic! No minimum to redeem for cash back and your Cash Back rewards do not expire as long as your account is open.*
Current Promo: From October 1–December 31, 2019 earn 5% Cash Back at department stores and on purchases made using Paypal or Chase Pay on up to $1,500 in purchases.
*New Cardmember Offer are available by clicking the “Apply Now” button on this page, and may not be available if you navigate away from or close this page. The bonus may not be available for existing or previous account holders. Terms and conditions apply. **2020 offer; check issuer for current terms.
Chase Freedom
Sign-Up Bonus and Intro APR (past offer)
Credit Level: Good Credit
Past offer (not current): Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.*
Rewards: Earn 5% Cash Back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
Past promo: Earn 5% Cash Back at department stores and on purchases made using Paypal or Chase Pay from October 1–December 31, 2019, on up to $1,500 in purchases.
*New Cardmember Offer are available by clicking the “Apply Now” button on this page, and may not be available if you navigate away from or close this page. The bonus may not be available for existing or previous account holders. Terms and conditions apply. **2020 offer; check issuer for current terms.
Business Rewards Credit Cards
Capital One® Spark Business® Cards
Unlimited 2% cash back on every purchase
Credit Level: Excellent Credit
Past offer (not current): Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening.*
Unlimited 2% cash back on all purchases, all of the time, is the best in the industry. Enough said.
Unlimited 2X miles per dollar on every purchase
Credit Level: Excellent Credit
Past offer (not current): Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening *
2x miles per dollar spent is very generous and great if you like to travel. You can turn your miles into cash, but if you’re going to do that you should get the Spark Cash card instead. This is a great card of you want to use your points towards airfare or hotel stays.
*New Cardmember Offer are available by clicking the “Apply Now” button on this page, and may not be available if you navigate away from or close this page. The bonus may not be available for existing or previous account holders. Terms and conditions apply. **2020 offer; check issuer for current terms.
American Express Marriott Bonvoy Business™ Card
Marriott Bonvoy Welcome Bonus (past offer)
Credit Level: Excellent Credit
Past offer (not current): Earn 75,000 Bonus Marriott Bonvoy Points after you spend $3,000 in purchases on your new Card in your first 3 months.
American Express is said to have the best customer protection policies regarding fraud and unwanted purchases. There are a lot of member benefits. You also get double the rewards for fuel purchases.
- 6x POINTS for each dollar of eligible purchases at participating Marriott Bonvoy hotels.
- 4x POINTS at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x POINTS on all other eligible purchases.*
*New Cardmember Offer are available by clicking the “Apply Now” button on this page, and may not be available if you navigate away from or close this page. The bonus may not be available for existing or previous account holders. Terms and conditions apply. **2020 offer; check issuer for current terms.
Chase Ink Business Preferred Card
Sign-Up Points Bonus (past offer)
Credit Level: Great Credit
Past offer (not current): 80k Bonus Points after you spend $5,000 on purchases in the first 3 months from account opening.*
That’s $1,000 towards travel rewards when you redeem through Chase Ultimate Rewards®!
Earn 3 points per $1 on the first $150k spent in combined purchases in the following categories each account anniversary year:
- Travel
- Shipping purchases
- Internet, cable and phone services
- Advertising purchases with social media sites and search engines
Earn 1 point per $1 on all other purchases — with no limits to the amount you can earn.
*New Cardmember Offer are available by clicking the “Apply Now” button on this page, and may not be available if you navigate away from or close this page. The bonus may not be available for existing or previous account holders. Terms and conditions apply. **2020 offer; check issuer for current terms.
Chase Ink Business Unlimited℠ Card
Sign-Up Cash Bonus and Intro APR (past offer)
Credit Level: Good Credit
Past offer (not current): $500 Bonus Cash Back After you spend $3,000 on purchases in the first 3 months after account opening plus 0% intro APR on purchases for the first 12 months.*
Rewards: Earn unlimited 1.5% Cash Back rewards on every purchase made for your business.*
You can redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®. Cash Back rewards do not expire as long as your account is open.
*New Cardmember Offer are available by clicking the “Apply Now” button on this page, and may not be available if you navigate away from or close this page. The bonus may not be available for existing or previous account holders. Terms and conditions apply. **2020 offer; check issuer for current terms.
Personal Banking Offers
Chase Total Checking® + Chase Savings℠
Checking and Savings Bonuses (past offer)
Credit Level: N/A
- Get $200 when you open a new Chase Total Checking® account and set up direct deposit.
- Get $150 when you open a new Chase Savings℠ account with qualifying activities.
- Get $350 when you open a new Chase Total Checking® and a Chase Savings℠ account and get $350 with qualifying activities.
*New Cardmember Offer are available by clicking the “Apply Now” button on this page, and may not be available if you navigate away from or close this page. The bonus may not be available for existing or previous account holders. Terms and conditions apply. **2020 offer; check issuer for current terms.
rideshareguru.com makes no guarantees in respect to these offers. Your experience may differ from ours. Read the fine print and reviews when selecting financial products. Offers above date from 2020 or earlier; check the issuer for current terms. This article is for informational purposes only and does not constitute financial advice.
