Introduction
Chase Ink Business Unlimited® Card, American Express Blue Business® Plus Credit Card, Capital One Spark Miles for Business card, Stripe Corporate Card, Uber Visa Card , and Uber Pro Card are popular options for Gig workers and Uber drivers. Gig workers and Uber drivers need credit cards that offer high rewards on gas, EV charging, and everyday business expenses while also providing flexible payment options and quick access to their earnings.
Top 5 Credit Cards for Gig Workers & Uber Drivers [2025]
| S. N. | Name of Credit Cards for Gig Workers & Drivers | Best Known & Value for |
|---|---|---|
| 1 | Chase Ink Business Unlimited® Card | Best Known for unlimited 1.5% cash back on all purchases with no annual fee. |
| 2 | American Express Blue Business® Plus Credit Card | Best Known for those who prefer flexible Membership Rewards® points and 0% intro APR for 12 months on purchases. |
| 3 | Capital One Spark Miles for Business card | Best Known for offering 2X miles on all purchases and 5X miles on travel booked through Capital One Travel. |
| 4 | Stripe Corporate Card | Best Known for those who use Stripe for payments, offering 1.5% unlimited cash back with no fees. |
| 5 | Uber Visa Card | Best Known for providing 4% cash back on dining, 3% on travel, 2% on online purchases, and 1% on everything else. |
Best Credit Cards for Gig Workers & Uber Drivers [2025]
Gig workers and Uber drivers need credit cards that maximize rewards on fuel, maintenance, and everyday expenses.
Here are the best credit cards for 2025 to help boost earnings and manage cash flow efficiently:
1. Chase Ink Business Unlimited® Card
Chase Ink Business Unlimited® Card is an excellent option for gig workers and Uber drivers, offering unlimited 1.5% cash back on all purchases. You can earn a $750 bonus after spending $6,000 in the first three months, along with a 0% introductory APR for 12 months on purchases. Plus, there’s no annual fee, making it perfect for everyday business expenses like gas and maintenance.
Business Cashback
- Issuer – Chase
- Payment Gateway – Visa
- Credit Score – Good/Excellent
- Intro APR – 0% intro APR on purchases for 12 months
- Regular APR – 17.49% – 23.49% Variable APR
- Annual Fee – $0
- International Transaction Fee – 3%
- Cash Advance Fee – $15 or 5%
- Balance Transfer APR – $5 or 5%
- Sign-up Bonus – $750 bonus cash back after you spend $6,000 in the first 3 months from account opening.
- Best For – Small Business Owners
The Chase Ink Business Unlimited® Card, issued by Chase, provides unlimited 1.5% cash back on all business purchases with no annual fee. It benefits businesses by offering a simple, flat-rate cash back on all expenses.
This card has no annual fee and offers employee cards at no additional cost. It provides a credit limit based on your business needs and requires a good credit score. The referral program allows you to earn rewards by referring others.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Redeem for cash-back rewards | Unlimited 1.5 percent cash back on all purchases | “Plan-It” feature |
| Employee cards at no additional cost | 5 percent cash back on Lyft rides through March 2025 | Account alerts |
| Earn cash back on Lyft rides | – | – |
| Apple® Ultimate Rewards Store | – | – |
| Travel and Emergency Assistance | – | – |
| Extended Warranty Protection | – | – |
| Purchase Protection | – | – |
| Auto Rental Coverage | – | – |
| Roadside Assistance | – | – |
| Cell phone protection | – | – |
Pros & Cons:
Pros
- The BNPL feature splits purchases of $100+ into equal monthly installments with a fixed fee.
- Points can be combined with other Chase cards for added value.
- Each year, a Year-End Summary of charges will be provided to review your annual spending.
Cons
- Other cards with bonus categories may offer higher rewards.
- No intro APR on balance transfers.
- High spending requirements for the welcome offer may be challenging for small businesses.
Expert Advice
The Chase Ink Business Unlimited® Card is an ideal choice for gig workers , offering unlimited 1.5% cash back on all purchases. With no annual fee, a generous sign-up bonus, and 0% APR for the first 12 months on purchases, it maximizes earnings on business expenses while providing cash flow flexibility.
2. American Express Blue Business® Plus
The American Express Blue Business® Plus Credit Card is a great choice for gig workers offering 2x Membership Rewards points on the first $50,000 spent annually. With no annual fee and flexible spending, it helps manage fuel and maintenance costs. Plus, the 0% intro APR for 12 months on purchases makes it ideal for optimizing cash flow.
Business Rewards
- Issuer – American Express
- Payment Gateway – AMEX
- Credit Score – Good-Excellent
- Intro APR – 0% for 12 Months from the date of account opening
- Regular APR – 17.49% – 25.49% Variable
- Annual Fee – $150
- International Transaction Fee – 2.7%
- Cash Advance Fee – 5% or $10
- Balance Transfer APR – 17.49% – 25.49% Variable
- Sign In Bonus – Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Best For – Small Business Owners, Entrepreneurs
The American Express Blue Business® Plus Card, issued by American Express, offers rewards on business purchases and travel. Its best feature is the Membership Rewards program, providing valuable points for business expenses.
The card has an annual fee of $150. Unique features include access to the Blue Business Collection rewards and a required credit score of 700+. The referral program offers bonus Membership Rewards points.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Extended warranty coverage | 2X points on up to $50,000 in purchases per year, then 1X points thereafter | The card has a quick and easy online application process that takes as little as 30 seconds. |
| Simple rewards structure | 2X points on prepaid rental cars booked through AmexTravel.com | Account manager feature to monitor finances |
| Purchase protection | 1X points on all other purchases | If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue. |
| Free employee cards with customizable spending limits | – | Set Account Alerts to help avoid late payments, spot irregular spending and monitor Employee Card use. |
| Expanded Buying Power | – | Save time with auto-expense categorization in Intuit QuickBooks |
| Membership Rewards® Points | – | – |
| Relationship Care® Service | – | – |
| Global Assist® Hotline | – | – |
| Car Rental Loss and Damage Insurance | – | – |
| Amex Offers | – | – |
Pros & Cons:
Pros
- Earns points in a very valuable transferable points currency
- No annual fee, maximizing reward earnings.
- Access to Amex transfer partners, including Delta, Air Canada, and British Airways.
Cons
- 2X rewards cap at $50,000, then drops to 1X.
- No intro APR on balance transfers, which is not ideal for high-interest debt.
- While it offers 2x points on general purchases, it lacks elevated rewards on fuel or dining, which are major expenses for gig workers.
Expert Advice
The American Express Blue Business® Plus Credit Card is a great option for gig workers and Uber drivers. It offers 2x Membership Rewards points on the first $50,000 spent annually and has no annual fee. Additionally, it provides a 0% introductory APR on purchases for the first 12 months, making it ideal for everyday business expenses like fuel and maintenance.
3. Capital One Spark Miles for Business
The Capital One Spark Miles for Business card earns 2X miles on all purchases, making it an excellent choice for gig workers or rideshare drivers seeking straightforward travel rewards. However, it lacks specific bonus categories for rideshare expenses.
Business Travel Rewards
- Issuer – Capital One
- Payment Gateway – MasterCard
- Credit Score – Excellent
- Intro APR – N/A
- Regular APR – 26.24% Variable
- Annual Fee – $95
- International Transaction Fee – $0
- Cash Advance Fee – 5% or $10, whichever is greater
- Balance Transfer APR – 26.24% Variable
- Sign In Bonus – 50,000 miles after spending $4,500 in the first 3 months
- Best For – Small Business Owners, Frequent Business Travelers
The Capital One Spark Miles for Business card offers unlimited 2x miles on every purchase. Issued by Capital One, it’s ideal for businesses aiming to earn travel rewards efficiently.
With no annual fee and no foreign transaction fees, the card provides 5% miles on hotels and rental cars booked through Capital One Travel. A good credit score is required, and it includes free employee and virtual cards.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Bonus miles are 50,000 | 5X per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel | Get an itemized report of your spending to simplify budgeting and tax time |
| Get access to Capital One Travel | 2X per $1 on every purchase for your business | Use Capital One Travel to redeem your points, or within ninety days of the transaction, receive reimbursement for travel costs paid with your card. |
| $0 fraud liability | – | Receive an email or text message alert if we detect a potential mistake or suspicious charge on your account. |
| Automatic payments | – | Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account. |
| Manage your spending with flexible tools | – | – |
| Transfer your miles to 15+ travel loyalty programs | – | – |
| Receive credits for Global Entry or TSA PreCheck® | – | – |
| Free employee cards | – | – |
| With your Spark Miles card, you can transfer miles to one of our 15+ participating partners. | – | – |
| Unlock premium benefits with every stay. | – | – |
| Extended warranty | – | – |
Pros & Cons:
Pros
- No foreign transaction fees can be beneficial for businesses with international spending.
- Earns Capital One miles that can be transferred to 18 partners.
- Up to $120 Global Entry/TSA PreCheck application fee credit.
Cons
- Lacks premium benefits like airport lounge access.
- No bonus categories.
Expert Advice
The Capital One Spark Miles for Business is a strong choice for gig workers and Uber drivers, offering 2x unlimited miles on all purchases with flexible redemption options. It has no foreign transaction fees, making it great for travelers. The $95 annual fee is waived for the first year, and the rewards easily justify the cost.
4. Stripe Corporate Card
Stripe Corporate Card is a no-fee, cashback credit card designed for gig workers and Uber drivers earning through Stripe. It offers unlimited 1.5% cash back and immediate access to credit, helping independent workers manage expenses and boost their earnings.
Cash Back on Every Purchases
- Issuer – Stripe
- Payment Gateway – Visa
- Credit Score – N/A
- Intro APR – N/A
- Regular APR – N/A
- Annual Fee – $0
- International Transaction Fee – No Foreign Transaction Fees
- Cash Advance Fee – N/A
- Balance Transfer APR – N/A
- Sign In Bonus – N/A
- Best For – Gig workers, Uber drivers, Small Business Owners
The Stripe Corporate Card is a charge card designed for businesses using Stripe for payments. It offers unlimited 2% cashback on top spending categories and integrates seamlessly with Stripe’s ecosystem. Best for startups and online businesses looking for flexible spending options.
No annual fee and no personal credit check required. Credit limits are based on business revenue. Offers expense tracking, real-time financial insights, and Stripe-specific perks, including discounted processing fees.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Business Expenses | 1.5% cash back on all purchases | Companies can upload their logo to the Stripe Dashboard to brand the card. |
| Cash Back | – | Cardholders can dispute unauthorized charges through the Corporate Card dashboard. |
| Instant card creation | – | – |
| Spending controls | – | – |
Pros & Cons:
Pros
- The Stripe Corporate Card is a cost-effective choice for business spending, featuring no annual fees, no foreign transaction fees, and competitive APRs.
- It allows users to capture receipts easily by taking photos and attaching them to transactions.
- It seamlessly integrates with other Stripe products for a unified financial overview.
Cons
- Transactions made with the Stripe Corporate Card are updated in real-time, providing immediate visibility into spending.
- Stripe may not integrate well with older legacy systems.
- As transaction volumes increase, the risks of account freezes and terminations also rise.
Expert Advice
The Stripe Corporate Card is a great option for gig workers and Uber drivers using Stripe, offering unlimited 1.5% cash back on purchases with no fees. It provides instant credit access based on Stripe revenue, making it ideal for self-employed individuals needing flexible cash flow. However, it’s only available to Stripe users, which limits access for those on other payment platforms.
5. Uber Visa Card
The Uber Visa Card was a popular choice for gig workers and Uber drivers, offering cashback on dining, travel, and online purchases. While it’s no longer available to new applicants, many drivers used it to maximize rewards on everyday expenses.
Cash-Back Rewards on Uber-Related Spending
- Issuer – Barclays
- Payment Gateway – Visa
- Credit Score – Good to Excellent
- Intro APR – N/A
- Regular APR – 15.99% – 25.99% Variable APR
- Annual Fee – $0
- International Transaction Fee – No Foreign Transaction Fees
- Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
- Balance Transfer APR – N/A
- Sign In Bonus – Earn $100 after spending $500 on purchases in the first 90 days.
- Best For – Uber drivers , Professionals
Designed for Uber riders, this card offers 4% cashback on dining, 3% on hotels and airfare, 2% on online purchases (including Uber rides), and 1% on everything else. It is best for those who frequently use Uber services.
No annual fee, but requires a good credit score (670+). Credit limits vary. Additional perks include cell phone protection, exclusive Uber rewards, and no foreign transaction fees, making it great for travelers.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Dining Rewards | 4% back on dining | Cell Phone Protection |
| Travel Rewards | 3% back on hotels and airfare | $100 Sign-Up Bonus |
| – | 2% back on online purchases | No Foreign Transaction Fees |
| – | 1% back on all other purchases | – |
Pros & Cons:
Pros
- Responsible use of a credit card can help build a good credit score.
- The card offers Uber credits for rides taken with the card.
- The card can be used to cover unexpected expenses.
Cons
- Cash back is mainly used for Uber-related expenses, reducing flexibility compared to general rewards cards.
- Higher cash-back rates (e.g., 10% on gas, 12% on EV charging) depend on Uber Pro status, which varies by performance.
- Unlike traditional credit cards, it lacks benefits like travel insurance, purchase protection, or extended warranties.
Expert Advice
The Uber Visa Card is no longer available for new applicants. It was popular among Uber drivers for cashback on dining and travel. Now, alternatives like the Uber Pro Card offer up to 10% cash back on gas and 12% on electric vehicle charging, making them a better option for gig workers.
Comparison Table:
| Card Name | Chase Ink Business Unlimited® Card | American Express Blue Business® Plus Credit Card | Capital One Spark Miles for Business card | Stripe Corporate Card | Uber Visa Card |
|---|---|---|---|---|---|
| Issuer | Chase | American Express | Capital One | Stripe | Barclays |
| Payment Gateway | Visa | AMEX | MasterCard | Visa | Visa |
| Credit Score | Good-Excellent | Good-Excellent | Excellent | N/A | Good to Excellent |
| Annual Fee | $0 | $150 | $95 | $0 | $0 |
| Sign-up Bonus | $750 bonus cash back after you spend $6,000 in the first 3 months from account opening | Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership | 50,000 miles after spending $4,500 in the first 3 months | N/A | Earn $100 after spending $500 on purchases in the first 90 days. |
| Reward Rate | Unlimited 1.5 percent cash back on all purchases | 1X points on all other purchases, 2X points on prepaid rental cars | 5X per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel, 2X per $1 on every purchase for your business | 1.5% cash back on all purchases | 4% back on dining 3% back on hotels and airfare, 2% back on online purchases, 1% back on all other purchases |
| Foreign Transaction Fees | 3% | 2.7% | $0 | N/A | N/A |
| Intro APR | 0% for 12 Months | 0% for 12 Months | N/A | N/A | N/A |
| Regular APR | 17.49% – 23.49% | 17.49% – 25.49% | 26.24% | N/A | 15.99% – 25.99% |
| Best For | Small Business Owner | Small Business Owners, Entrepreneurs | Small Business Owners, Frequent Business Travelers | Gig workers, Uber drivers, Small Business Owners | Uber drivers , Professionals |
| Decision Criteria | Ideal for business owners looking for simple, unlimited cash-back rewards on all purchases with no annual fee. | Best for small business owners who want flexible Membership Rewards points and no-cost financing with a 0% intro APR period. | Perfect for business owners who travel frequently and want to maximize miles on all purchases. | Best suited for gig workers and small businesses using Stripe, offering seamless integration with Stripe payments and flat cash-back rewards. | Best for Uber drivers and frequent travelers who want to earn high rewards on dining, travel, and online purchases. |
Methodology
When selecting credit cards for Gig Workers & Uber Drivers, consider factors that optimize financial management, maximize rewards, and provide flexibility.
Key factors to evaluate:
- Cash-back rates
- Reward programs for gas and transportation
- Low or no annual fees
- Simple tracking of business expenses
Look for cards with:
- High rewards for fuel
- Low-interest rates
- Benefits like travel insurance and fraud protection
Popular credit cards for gig workers and Uber drivers:
- Uber Visa Card – Provides rewards for Uber rides and dining
These cards help gig workers and Uber drivers:
- Manage expenses effectively
- Earn valuable rewards on everyday purchases.
Why Do Gig Workers & Uber Drivers Need a Credit Card?
A credit card is essential for Gig workers and Uber drivers, to help manage their business expenses efficiently, build credit and maximize rewards earned through work-related purchases. Fuel, maintenance of the vehicle, tolls and any other expenses incurred while working can all be categorized and tracked for tax purposes with the help of a credit card.
Additionally, it offers bonuses in terms of cash-back and travel benefits for gig workers who spend much on travel and other necessary services. It provides flexibility in having immediate costs serviced while earning rewards for purchases. It also helps in building a positive credit history, which can come in handy for future financial needs, such as car loans or mortgages.
Do Credit Card Companies Offer Special Benefits for Gig Workers & Uber Drivers?
Cash Back on Gas and Travel
Many credit cards offer high cash-back rates on fuel purchases. This is especially important for Uber drivers and delivery workers who spend a significant amount on gas.
Travel and Purchase Protections
Premium cards often provide benefits like rental car insurance, roadside assistance, and fraud protection, which are valuable perks for drivers who spend long hours on the road.
Expense Tracking and Business Perks
Business-oriented credit cards come equipped with expense-tracking tools and seamless integration with accounting software. This makes it easier for gig workers to manage their finances effectively.
Flexible Payment Options
Some credit cards offer 0% introductory APR or low-interest financing options, helping gig workers cover immediate expenses while managing their cash flow.
Rewards on Rideshare and Dining
Cards like the Uber Visa Card provide bonus rewards for Uber rides and dining expenses, making them ideal for drivers who frequently use Uber services.
Choosing the Best Credit Cards for Gig Workers & Uber Drivers?
- High Cash Back on Gas: Select a card that provides 3% to 5% cash back on fuel, a major expense for rideshare and delivery drivers.
- Little or No Annual Fees: Some credit cards have no annual fees and still offer great rewards, which helps gig workers retain more of their hard-earned money.
- Expense Tracking And Business Perks: Business-oriented cards offer tools for expense tracking and integrate with accounting software to simplify tax preparation.
- Rewards on Rideshare & Travel: Look for cards that reward Uber, Lyft, and Other Transportation Expenses, making them handy for drivers and frequent travelers.
- Flexible Payment Options: Cards offering 0% intro APR or low-interest rates can assist gig workers in managing cash flow and covering unexpected expenses.
- Protection on Purchases & Travel: Some high-end credit cards provide car rental insurance, extended warranties, and fraud protection, which are valuable perks for those spending long hours on the road.
How Do Credit Cards Help Gig Workers & Uber Drivers?
- Credit cards offer gig workers and Uber drivers financial flexibility, rewards, and tools for managing expenses that cater to their specific needs. They often provide cash-back rewards on essential work-related costs such as gas, rideshare expenses, and dining, helping drivers save money. Many credit cards also feature introductory 0% APR or low-interest financing, enabling workers to cover unexpected expenses while effectively managing their cash flow.
- Along with that the expense tracking tools assist with budgeting and tax preparation, making it easier to monitor mileage, fuel costs, and maintenance expenses. Some credit cards even offer travel perks, rental car insurance, and fraud protection, ensuring security on the road. With the right credit card, gig workers and Uber drivers can maximize their earnings, reduce costs, and enhance their financial stability in the long run.
Advantages of Credit Cards for Gig Workers & Uber Drivers
- Flexible Financing and Expense Management: With 0% introductory APR offers and low interest rates, gig workers can cover expenses such as vehicle maintenance and tolls while effectively managing their cash flow.
- Fraud Protection and Security: Credit cards typically include $0 fraud liability, protecting drivers from unauthorized transactions. Many also offer purchase protection and extended warranties for work-related purchases.
- Travel and Rental Car Benefits: Some premium cards offer rental car insurance, roadside assistance, and travel protections, making them particularly beneficial for drivers who frequently rent vehicles or travel for work.
- High Cash Back on Gas and Travel: Many credit cards offer cash back rewards of 3% to 5% on fuel purchases, helping drivers save on one of their largest expenses. Additionally, some cards provide rewards for rideshare and travel bookings.
- Expense Tracking for Taxes: Business and gig-friendly credit cards come equipped with expense tracking tools, making it easier to categorize spending and simplify tax deductions.
- Rewards and Perks for Everyday Spending: Various credit cards provide bonus rewards on dining, groceries, and streaming services, ensuring gig workers can earn cash back on both work-related and personal expenses.
FAQs
What are the best credit cards for gig workers and Uber drivers?
Top credit cards for gig workers and Uber drivers include the Chase Ink Business Unlimited® Card, Capital One Spark Miles for Business card, which offer high cash back on gas, rideshare services, and dining.
What should gig workers consider when choosing a credit card?
Gig workers should look for cards with high rewards on gas and transportation, low or no annual fees, flexible payment options, and expense tracking features. Additional benefits like fraud protection and roadside assistance are also valuable for drivers.
Do gig workers need a business credit card?
While not necessary, a business credit card can help gig workers track expenses, separate personal and business finances, and earn rewards. Cards like the Chase Ink Business Unlimited® simplify tax deductions with cash-back rewards and expense management tools.
Are there credit cards with special rewards for Uber rides?
Yes, cards like the Uber Visa Card offer bonus rewards for Uber rides and dining. Others, such as the Chase Ink Business Unlimited® Card, provide extra points on travel, including rideshare services.
How can a credit card help Uber drivers save money?
Credit cards can save Uber drivers money through cash-back rewards on gas, maintenance, and tolls. They often provide travel perks like rental car insurance and may feature 0% introductory APR offers, helping manage larger expenses without immediate interest.