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Stop Paying for Uber One: These Credit Cards Cover It for Free (Save up to $120/Year)
July 1, 2025
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Important: Credit card benefits and promotional offers are subject to change without notice. The Uber One benefits, statement credits, and eligibility requirements described in this article were accurate as of the posting date. Card issuers may modify or discontinue these offers at any time. We recommend verifying current benefit availability directly with your card issuer or by visiting the card's official website before applying or activating benefits.
If you're a frequent Uber or Uber Eats user, you could be leaving money on the table. Literally. Several major credit card issuers now offer complimentary Uber One memberships or monthly statement credits that effectively make the $9.99/month subscription free. That's up to $120 in annual savings you might already be entitled to, just sitting in your wallet waiting to be claimed.
What is Uber One Worth?
Uber One is a subscription service that costs $9.99 per month (or $99.99 annually) and offers members significant perks:
- $0 delivery fee on eligible food, groceries, and more
- 6% back on eligible Uber rides in the form of Uber One credits
- Up to 10% off eligible food deliveries and pickup orders
- 10% Uber One credits on car rentals
- No cancellation fees on rides
- Exclusive member-only offers and promotions
According to Uber, members save an average of $25 per month, making the subscription pay for itself quickly if you use these services regularly. That's $300 in annual savings from a membership that could cost you nothing if you have the right credit card.
Credit Cards with Free Uber One Membership
American Express Platinum Card® (See Rates & Fees): Up to $120 in Annual Credits
The American Express Platinum Card offers up to $120 in statement credits each calendar year when you purchase an auto-renewing Uber One membership with your card. This effectively covers a full year of monthly membership fees, making the subscription completely free.
Annual value: $120
Key details:
- Up to $120 per calendar year in statement credits
- Must use Platinum Card as the payment method for Uber One
- Uber Cash balances must be toggled off for membership fees
- Both basic and additional cardholders can earn credits (up to $120 total per account)
Bonus benefit: The Platinum Card also offers up to $200 in annual Uber Cash ($15 monthly, plus $20 in December), which stacks with your Uber One membership for even more savings.
Combined annual value: $320
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Apple Card: 6 Months Free Trial
If you hold the no-annual-fee Apple Card, you can register for a free six-month trial of Uber One by signing up through the Apple Card and Uber landing page and using Apple Pay as your payment method.
Value: $60 (6 months free)
Key details:
- Valid for new or returning Uber One subscribers in the U.S. and Puerto Rico
- Not available for existing Uber One subscribers (you'll need to cancel first)
- Currently no set end date for this offer
Bonus: Apple Card holders receive 3% cash back when paying for Uber or Uber Eats with Apple Pay, which stacks with the 6% Uber One credits on eligible rides.
Additional savings: ~$18-36/year, depending on spending
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Delta SkyMiles American Express Cards: 6-12 Months Free
Delta has expanded its partnership with Uber to offer cardmembers complimentary Uber One membership credits, with the length varying by card tier.
Premium tier cards (12 months of credits):
Annual value: $120
Mid-tier cards (6 months of credits):
Value: $60 (6 months)
Cardholders receive a statement credit of up to $9.99 per month to cover the Uber One membership cost. You must sign up by June 25, 2026, and use your eligible Delta Amex as the payment method.
Stack with ride credits: Delta Platinum and Reserve cards also offer up to $10 in monthly ride-hailing credits (up to $120 annually), which you can use on Uber rides while still earning your 6% Uber One credits.
Total potential value for premium cards: $240/year
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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
How to Redeem Your Free Uber One Membership
The enrollment process is straightforward:
- Visit the appropriate landing page for your card issuer (Uber's website has dedicated pages for each partner)
- Sign up for Uber One using your eligible credit card as the payment method
- Enable auto-renewal for the monthly membership
- Toggle off Uber Cash for membership payments to ensure your card is charged directly
- Wait for statement credits to appear (typically within a few days, but may take up to 8 weeks)
Important: You must sign up for an auto-renewing monthly membership to receive statement credits. Annual memberships typically don't qualify for these offers.
Stacking Benefits for Maximum Value
One of the best aspects of Uber One is that you can stack benefits with credit card rewards for even greater savings:
Delta Cardholders: $240+ in Annual Value
You can use the monthly ride-hailing credit on Delta Platinum and Reserve cards (up to $10 monthly for U.S. ride-hailing services) on an Uber ride and still receive 6% back in Uber One credits.
Breakdown:
- Uber One membership: $120
- Monthly ride credits: $120
- 6% back on rides: Variable based on usage
Apple Card Users: Triple Stack
Apple Card holders can maximize value by combining:
- 6 months free Uber One: $60
- 3% cash back via Apple Pay: ~$18-36/year
- 6% Uber One credits on rides: Variable
Total value: $78+ annually
American Express® Gold Card (See Rates & Fees): $240+ in Value
The Amex Gold Card offers $10 in Uber Cash per month (up to $120 annually), which can be used alongside your Uber One benefits.
Combined with Platinum Uber One credit:
- Uber One membership: $120
- Monthly Uber Cash: $120
Total value: $240+ annually
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The Real Cost of Missing These Benefits
Let's put this in perspective. If you have an American Express Platinum Card and don't activate your Uber One benefit, you're essentially:
- Losing $120 in statement credits annually
- Missing out on $200 in Uber Cash
- Paying full price for rides instead of getting cash back
- Paying delivery fees that could be $0
That's over $320 in missed value each year, more than enough to offset the card's annual fee.
Is Uber One Worth It?
Whether Uber One makes sense depends on your usage patterns:
It's worth it if you:
- Take 2+ Uber rides per month
- Regularly order food delivery
- Use Uber Eats for grocery delivery
- Frequently cancel rides
- Order from local restaurants through Uber Eats
Consider skipping if you:
- Take fewer than 2 rides or orders per month
- Primarily use competing services like Lyft or DoorDash
- Live in an area with limited Uber/Uber Eats coverage
Break-even calculation: You need approximately 2-3 orders or rides per month to make the membership fee worthwhile through delivery fee savings alone. When you factor in the ride credits and discounts, frequent users can easily save $25-50 monthly.
Don't Leave Money on the Table
With these credit card offers, you can try Uber One risk-free for several months to determine if the savings justify continuing the membership at full price. For many cardholders, the membership essentially pays for itself through delivery fee savings alone, making the credit card benefit pure bonus value.
Track Your Perks Automatically
Keeping track of credit card benefits across multiple cards can be challenging. Tools like Kudos' Hidden Perks feature can automatically identify available credits and benefits, including Uber One memberships, and notify you when you're not maximizing your cards' value. The average cardholder leaves $300 in benefits unused annually. Don't be one of them.
Tips for Maximizing Your Uber One Benefits
- Set a calendar reminder before your free trial ends if you don't want to continue paying ($120/year saved)
- Use the ride credits immediately on your next trip to maximize value
- Check for exclusive member offers regularly in the app
- Combine with credit card category bonuses for extra rewards
- Compare prices with and without Uber One to ensure you're getting the best deal
- Use grocery delivery to maximize $0 delivery fee benefit
- Take advantage of no-cancellation fees to shop for the best ride prices across apps
The Bottom Line
Free Uber One memberships through credit cards represent genuine value—potentially $120-320 per year, depending on your card and how you stack benefits. With several issuers offering complimentary access ranging from 3 to 12 months, it's worth checking if you already have an eligible card in your wallet. It’s time to start maximizing the value you're already entitled to.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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