Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Top picks for Lyft from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at Lyft. Order can differ from that column because ranking adds the adjustments above.
Chase Sapphire Reserve earns the top spot for Lyft purchases at 9.0¢ per dollar at lyft — a $795 annual fee. We ranked every card in our database against Lyft purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
Chase
Chase
Cardless
Chase Sapphire Reserve earns 9.0¢ per dollar at Lyft, the highest marginal rate in our list for this brand. At 9.0¢ per dollar, rewards cover the $795 fee after about $8,830 a year in Lyft spending. To come out ahead of BJ's One+™ Mastercard® (2.0¢), you'd need about $11,360 a year here. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Side-by-side view of the ranked picks.
| Card | Lyft Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Chase Sapphire ReserveChase | 5x Ultimate Rewards | 9.0¢/$ | $795 | $900 | visa |
| Chase Sapphire Preferred CardChase | 5x Ultimate Rewards | 9.0¢/$ | $95 | $134 | visa |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | $300 | mastercard |
| Southwest Rapid Rewards Priority Credit CardChase | 5x Rapid Rewards | 5.0¢/$ | $229 | — | visa |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | $315 | visa |
| Blue Cash Preferred Card from American ExpressAmex | 3% cash back | 3.0¢/$ | $95 | $84 | amex |
| BJ's One+™ Mastercard®Capital One | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| SKYPASS SkyBlue Visa®Usbank | 2x Korean Air SKYPASS | 2.0¢/$ | $0 | — | visa |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.4¢/$ | $595 | $762.50 | mastercard |
| Amtrak Guest Rewards® Preferred Mastercard®Fnbo | 2x points | 2.0¢/$ | $99 | — | mastercard |
Extra points or cash back when you pay with these cards — not statement credits.
Statement credits or cash applied to your bill at Lyft, separate from earn rate.
Other brands in Travel where the top picks above also earn well.
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