You’re probably aware of your credit cards common benefits, like its rewards rate and travel perks. But your credit card might have hidden perks that you’re not aware of, like food delivery and entertainment benefits.
If you order takeout frequently or find yourself in the back of a rideshare, these credit cards might offer free memberships for Uber, Uber Eats, DoorDash, Lyft, Instacart and more -- for a period of time.
Capital One Quicksilver Cash Rewards Credit Card
- Intro Offer
-
$200 Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Annual fee
- $0
- APR
- 19.74% – 29.74% (Variable)
- Recommended Credit A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
-
670 – 850
Good – Excellent
- Rewards rate
-
1.5% – 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply; Earn unlimited 1.5% cash back on every purchase, every day
The Capital One Quicksilver Cash Rewards Credit Card* is a good option for people who’s spending habits cover a wide range of purchases. It earns a flat 1.5% cash back no matter what you’re buying. It also features a greater rewards rate for booking hotels and rental cars through Capital One Travel.
There’s no annual fee to worry about, and now through Nov. 14, 2024, cardholders get up to six months of complimentary Uber One membership. Use your card to sign up and you’ll receive monthly statement credits to cover the cost. Uber One benefits include $0 delivery fee for eligible food and groceries, up to 10% off eligible Uber Eats orders and up to 5% off eligible Uber rides.
Interested in the card? Learn more in our Capital One Quicksilver Cash Rewards Credit Card review.
- Intro Balance Transfer APR
- 0% intro on balance transfers for 15 months
- Intro Purchase APR
- 0% intro on purchases for 15 months
- Regular APR
- 19.74% – 29.74% (Variable)
- Balance Transfer Fee
- 3%
The Capital One Quicksilver Cash Rewards Credit Card* is a good option for people who’s spending habits cover a wide range of purchases. It earns a flat 1.5% cash back no matter what you’re buying. It also features a greater rewards rate for booking hotels and rental cars through Capital One Travel.
There’s no annual fee to worry about, and now through Nov. 14, 2024, cardholders get up to six months of complimentary Uber One membership. Use your card to sign up and you’ll receive monthly statement credits to cover the cost. Uber One benefits include $0 delivery fee for eligible food and groceries, up to 10% off eligible Uber Eats orders and up to 5% off eligible Uber rides.
Interested in the card? Learn more in our Capital One Quicksilver Cash Rewards Credit Card review.
- Intro Balance Transfer APR
- 0% intro on balance transfers for 15 months
- Intro Purchase APR
- 0% intro on purchases for 15 months
- Regular APR
- 19.74% – 29.74% (Variable)
- Balance Transfer Fee
- 3%
- Intro Offer
-
$200 Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Annual fee
- $0
- APR
- 19.74% – 29.74% (Variable)
- Recommended Credit A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
-
670 – 850
Good – Excellent
- Rewards rate
-
1% – 10% Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024; Earn 8% cash back on Capital One Entertainment purchases; Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply; Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®); Earn 1% on all other purchases
The entertainment-focused Capital One SavorOne Cash Rewards Credit Card* offers more than most no-annual-fee credit cards. Its rewards categories cover everything that makes for a great weekend – streaming, eating out and hotels and rental cars booked through Capital One Travel if you’ve got a travel bug.
It also offers the highest cash-back rate found on credit cards for Uber and Uber Eats purchases -- a whopping 10% -- along with complimentary Uber One membership statement credits through Nov. 14, 2024. That just about makes this the best credit card to use for Uber to help you get where you’re going safely while also offsetting some of the expense.
This card may also help you save money on concert tickets thanks to its rewards when you purchase through Capital One Entertainment. Capital One Entertainment gives cardholders access to special offers, including early access to certain events.
You can read more in our Capital One SavorOne review.
- Intro Balance Transfer APR
- 0% intro on balance transfers for 15 months
- Intro Purchase APR
- 0% intro on purchases for 15 months
- Regular APR
- 19.74% – 29.74% (Variable)
- Balance Transfer Fee
- 3%
The entertainment-focused Capital One SavorOne Cash Rewards Credit Card* offers more than most no-annual-fee credit cards. Its rewards categories cover everything that makes for a great weekend – streaming, eating out and hotels and rental cars booked through Capital One Travel if you’ve got a travel bug.
It also offers the highest cash-back rate found on credit cards for Uber and Uber Eats purchases -- a whopping 10% -- along with complimentary Uber One membership statement credits through Nov. 14, 2024. That just about makes this the best credit card to use for Uber to help you get where you’re going safely while also offsetting some of the expense.
This card may also help you save money on concert tickets thanks to its rewards when you purchase through Capital One Entertainment. Capital One Entertainment gives cardholders access to special offers, including early access to certain events.
You can read more in our Capital One SavorOne review.
- Intro Balance Transfer APR
- 0% intro on balance transfers for 15 months
- Intro Purchase APR
- 0% intro on purchases for 15 months
- Regular APR
- 19.74% – 29.74% (Variable)
- Balance Transfer Fee
- 3%
- Intro Offer
-
60,000 bonus points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Annual fee
- $95
- APR
- 21.24% – 28.24% Variable
- Recommended Credit A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
-
670 – 850
Good – Excellent
- Rewards rate
-
2x – 5x 5x on travel purchased through Chase Ultimate Rewards®; 3x on dining.; 2x on all other travel purchases, plus more.
When it comes to travel, few cards can beat the Chase Sapphire Preferred, especially for its price tag. It has a $95 annual fee but it includes a great rewards program and a sizable benefits package. What makes it so valuable is its versatility. Its rewards program offers a 25% redemption bonus for redeeming rewards for travel through Chase Ultimate Rewards, plus a 1:1 point transfer rate to Chase’s travel partners.
And thanks to Chase’s partnerships with DoorDash, Lyft and Instacart, cardholders can access exclusive benefits with those brands. Earn 5x points for Lyft rides through March 31, 2025, get a complimentary DashPass membership for a minimum of one year when you activate by Dec. 31, 2024 -- which grants you no delivery fees on DoorDash orders of $12 or more -- and six months of complimentary Instacart+ membership when you activate by July 31, 2024. Through July 2024, you’ll also get up to $15 in statement credits each calendar quarter for Instacart purchases when you enroll your card in the Instacart+ offer.
You can find all the details in our Chase Sapphire Preferred review.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
- N/A
- Regular APR
- 21.24% – 28.24% Variable
- Balance Transfer Fee
- Either $5 or 5% of the amount of each transfer, whichever is greater.
When it comes to travel, few cards can beat the Chase Sapphire Preferred, especially for its price tag. It has a $95 annual fee but it includes a great rewards program and a sizable benefits package. What makes it so valuable is its versatility. Its rewards program offers a 25% redemption bonus for redeeming rewards for travel through Chase Ultimate Rewards, plus a 1:1 point transfer rate to Chase’s travel partners.
And thanks to Chase’s partnerships with DoorDash, Lyft and Instacart, cardholders can access exclusive benefits with those brands. Earn 5x points for Lyft rides through March 31, 2025, get a complimentary DashPass membership for a minimum of one year when you activate by Dec. 31, 2024 -- which grants you no delivery fees on DoorDash orders of $12 or more -- and six months of complimentary Instacart+ membership when you activate by July 31, 2024. Through July 2024, you’ll also get up to $15 in statement credits each calendar quarter for Instacart purchases when you enroll your card in the Instacart+ offer.
You can find all the details in our Chase Sapphire Preferred review.
- Intro Balance Transfer APR
- N/A
- Intro Purchase APR
- N/A
- Regular APR
- 21.24% – 28.24% Variable
- Balance Transfer Fee
- Either $5 or 5% of the amount of each transfer, whichever is greater.
- Intro Offer
-
$200 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Annual fee
- $0
- APR
- 19.74% – 28.49% Variable
- Recommended Credit A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
-
670 – 850
Good – Excellent
- Rewards rate
-
1% – 5% 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!; 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service; Unlimited 1% cash back on all other purchases.
Few no-annual-fee credit cards can match the Chase Freedom Flex’s* earning potential. It offers both static reward categories and reward categories that rotate each quarter, plus a number of useful travel perks.
In addition, cardholders can earn 5% cash back on Lyft rides through March 31, 2025 and gain a complimentary DashPass for three months when you activate by Dec. 31, 2024. Like with the Sapphire Preferred, you’ll get a complimentary Instacart+ membership when you enroll by July 31, 2024 (for three months instead of 6 months) and a quarterly statement credit for Instacart purchases through July 2024 (up to $10 instead of up to $15).
You can find everything the card offers in our Chase Freedom Flex review.
- Intro Balance Transfer APR
- 0% Intro APR on Balance Transfers for 15 months
- Intro Purchase APR
- 0% Intro APR on Purchases for 15 months
- Regular APR
- 19.74% – 28.49% Variable
- Balance Transfer Fee
- Either $5 or 5% of the amount of each transfer, whichever is greater.
Few no-annual-fee credit cards can match the Chase Freedom Flex’s* earning potential. It offers both static reward categories and reward categories that rotate each quarter, plus a number of useful travel perks.
In addition, cardholders can earn 5% cash back on Lyft rides through March 31, 2025 and gain a complimentary DashPass for three months when you activate by Dec. 31, 2024. Like with the Sapphire Preferred, you’ll get a complimentary Instacart+ membership when you enroll by July 31, 2024 (for three months instead of 6 months) and a quarterly statement credit for Instacart purchases through July 2024 (up to $10 instead of up to $15).
You can find everything the card offers in our Chase Freedom Flex review.
- Intro Balance Transfer APR
- 0% Intro APR on Balance Transfers for 15 months
- Intro Purchase APR
- 0% Intro APR on Purchases for 15 months
- Regular APR
- 19.74% – 28.49% Variable
- Balance Transfer Fee
- Either $5 or 5% of the amount of each transfer, whichever is greater.
How to pick the right credit card for you
It’s important to make sure the card you’re interested in matches your lifestyle and spending habits. Choose a credit card that offers higher rewards on your top spending categories or extra benefits -- like statement credits or free memberships -- you’ll actually use.
If a card has an annual fee, it will cut into your earnings, but can be worthwhile if you can earn high enough rewards to cover the charge. Create a budget and make sure you can earn enough rewards with your normal spending to cover the fee and then some. And if you’re applying for a card for the welcome bonus, make sure you can reach the spending threshold to earn the bonus without overspending.
Check the card’s cardholder benefits, as well as how to take advantage of them. For example, if a card offers travel protections, you’ll typically need to book your flights or hotels with the card to be covered by any travel insurances it may include. Some offers, like Chase’s complimentary Instacart+ memberships, must be manually activated via the issuer’s website before you can use them. If you can’t benefit from most aspects of the card, perhaps it’s not the one for you.
Should you choose a credit card based on a limited-time partnership?
While free Uber Eats or DoorDash membership for a period of time may complement your lifestyle, you shouldn’t choose a credit card based solely on limited-time partnerships. You want your card to provide lasting value, so it’s more important that its rewards match your habits and any fees it may carry fit into your budget. The partnerships are just a nice bonus to what the card already offers.
How to get the most from your card
If your card offers extra rewards in certain categories, be sure to use that specific card for those purchases. Don’t miss out on 10% cash back on Uber rides or Uber Eats with the SavorOne through Nov. 14, 2024, or on higher rewards for hotels and rental cars with Capital One or Chase. But if you don’t use Uber or aren’t planning a vacation, you shouldn’t go out of your way to make purchases in those categories just to get extra credit card rewards.
The same goes for the Chase Sapphire Preferred and Freedom Flex cards which offer not only DoorDash perks, but also Lyft and Instacart. If you shop on Instacart frequently, for example, make sure you use your Chase card to take advantage of the Instacart+ membership benefits, which includes no delivery fees on orders of $35 or more, 5% credit back on eligible pickup orders and lower service fees. You can also get quarterly statement credits on Instacart purchases.
If your card includes a welcome bonus -- which all of the cards above do -- make sure you can earn it through normal spending. Don’t overspend in order to reach it, otherwise it defeats the purpose of a bonus.
Once you’ve earned your rewards, redeem them in the most lucrative way. For most cards that means statement credits or cash back, but if your card offers hotel and airline transfer partners (like Chase’s Sapphire cards and Capital One’s Venture cards), transferring your points or miles to travel partners will typically provide the greatest value.
Lastly, use all of the extra perks your card includes. Some cards come with annual credits that could help cut back on certain expenses.
The bottom line
It can be easy to miss out on extra rewards or perks with a card, as some cardholders may not be aware of everything they have to offer. Be sure you’re keeping an eye out for any communications from your card issuer regarding new offers.
*All information about the Capital One Quicksilver Cash Rewards Credit Card, Capital One SavorOne Cash Rewards Credit Card, and Chase Freedom Flex has been collected independently by CNET and has not been reviewed by the issuer.
The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.
The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.
