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For critical foodies, the Uber Visa Card packs loads of options, minus the surge pricing: The cardboard’s annual charge is $Zero.

To get the perfect efficiency potential from the cardboard, right here’s what to bear in mind.

» MORE: Full evaluate of the Uber Visa Card

Scoop up the sign-up bonus

The Uber Visa Card options the next welcome provide for brand new cardholders: Earn $100 after spending $500 on purchases within the first 90 days. That’s not the best bonus round, but it surely ought to be straightforward to snag, particularly for individuals who dine out a number of instances every week.

» MORE: NerdWallet’s finest bank card welcome bonuses

Eat, drink and get supply

Just about each time you open your mouth to eat and it’s not one thing you cooked your self, the Uber Visa Card will reward you with bonus factors. The card earns a vast four% money again on purchases made at eating places, quick meals eating places, bars and orders from Uber Eats.

The one different card with earnings that constantly excessive on eating out is the Capital One® Savor® Money Rewards Credit score Card, which earns four% again on eating and likewise leisure; 2% again on grocery retailer purchases; and 1% again on all different spending. However that card additionally carries an annual charge of $Zero for the primary 12 months, then $95. Once more, the Uber Visa Card’s annual charge is $Zero.

» MORE: NerdWallet’s finest bank cards for eating places

Get out extra

The Uber Visa Card will reward you properly for journey bills, providing a beneficiant three% again on airfare, resorts and even journey company bills. However journey doesn’t all the time embody swiping tiny shampoo bottles from a resort cart, and for individuals who desire to journey a bit extra like an area, the card earns that very same three% again on house share exchanges like Airbnb.

And do you have to select to make a passport-required journey, the Uber Visa Card is usually a top-notch journey companion because of its lack of international transaction charges. It additionally runs on the Visa fee community, so acceptance might be widespread.

» MORE: NerdWallet’s finest playing cards for journey

Store on-line and binge-watch with it

Those that have a tendency to buy on-line at only one retailer repeatedly could also be higher off with a co-branded retailer card. However should you wish to unfold the net purchasing love round, the Uber Visa Card’s limitless 2% again on certified web purchases — together with giants like Amazon, Walmart, Greatest Purchase and Macy’s — is fairly onerous to prime.

That 2% bonus class additionally covers video and music streaming providers together with Netflix, Pandora, HBO Now and Apple Music, and even some on-line providers like Instacart and TaskRabbit. Along with that on-line cash-back fee, the Uber Visa Card additionally presents as much as a $50 assertion credit score for eligible on-line subscription providers after you spend $5,000 in your card per 12 months.

Pay for Uber rides with it … except you have got a greater possibility

The Uber Visa Card earns 2% again on all Uber rides, which isn’t unhealthy. However oddly, different playing cards will earn you extra for hailing a trip by way of Uber or related apps.

The $Zero-annual-fee Wells Fargo Propel American Categorical® card, for instance, earns three factors per greenback spent on rideshares, transit and gasoline stations, amongst different classes. Phrases apply.

And the Blue Money Most well-liked® Card from American Categorical earns three% money again on transit together with rideshares, taxes, trains, buses and extra. It does have an annual charge of $95, however then it additionally earns an eye-popping 6% again on eligible U.S. streaming providers — 3 times the speed the Uber Visa Card presents in that class. Phrases apply.

Redeem for money, not Uber credit score

Right here’s one other quirk of the cardboard: You possibly can redeem rewards for money again (as a press release credit score or financial institution deposit), present playing cards or Uber credit — however you’ll get extra worth should you redeem for money, then use that money to purchase Uber credit. That’s since you’ll get a reduction on Uber for paying instantly with money. Particularly, you get 5% off once you add $100, three% off once you add $50, and a couple of% off once you add $25.

However these reductions don’t apply should you redeem your rewards instantly for Uber credit score.

» MORE: Money-back playing cards which are nice for journey, too

Pay your cellphone invoice with it

The Uber Visa Card comes with a perk that may be considerably onerous to seek out: cell telephone insurance coverage. In case you cost your month-to-month cell telephone invoice to the cardboard, you’ll get protection for injury or theft of as much as $600 per declare after a $25 deductible. This protection is sweet for as much as two claims and $1,200 per 12-month interval.

Your cellphone service will usually cost you a month-to-month charge to get related safety.

» MORE: Bank cards that supply cellphone insurance coverage

Pair it with one other card

In the case of rewards playing cards that pay elevated charges in numerous areas, the buddy system may be essentially the most environment friendly approach to maximize your earnings. By strategically pairing the Uber Visa Card with one other card, you possibly can earn elevated rewards on almost your whole spending.

For instance, in case your consuming bills are evenly cut up between eating out and cooking at house, it might make sense to make use of the Uber Visa Card for eating places and a card just like the Blue Money On a regular basis® Card from American Categorical to your grocery purchasing, because it earns three% money again at U.S. supermarkets on as much as $6,000 a 12 months in purchases, then 1%. Phrases apply.

» MORE: Bank card coupling: Pair up your bank cards to maximise rewards


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