Best cards at Lyft

Good to know at Lyft

Lyft is, for the moment, the most heavily bonused single merchant in the rideshare set, and the top of our table goes to the Southwest Rapid Rewards Priority Credit Card: 5x Rapid Rewards points on rides, bikes, scooters and memberships bought in the Lyft app, issuer-confirmed through December 31, 2027. It shares that 5x headline with a Chase promotional pack, but it wins the tie on value — we count a Southwest point as worth more than a Chase point when ranking — and it carries a $229 annual fee, so it makes sense mainly if you already fly Southwest. The Chase pack earns 5x or 5% through September 30, 2027: the Ink Business Unlimited and the Ink Business Cash Credit Card at a $0 annual fee, the Chase Sapphire Preferred including bike and scooter rentals, and the Chase Sapphire Reserve plus up to $10 per month in in-app Lyft ride credits, worth up to $120 a year.

Behind those promotions, the Bilt Blue Card is the best steady answer at 3x total — 1x base plus 2x for linking your Bilt and Lyft accounts, and the link is the condition, not a formality. The Chase Freedom Flex and Chase Freedom Unlimited both pay 2% total on Lyft year-round; the Flex's 5% public-transit quarter ends September 30, 2026, and its October–December categories do not include transit. The Wells Fargo Autograph Card pays 3x on transit, which covers rideshare with no enrollment required.

The caveat that shapes this whole page: every elevated rate here has a published end date. The Chase pack's 5x ends September 30, 2027 and the Southwest Rapid Rewards Priority Credit Card's 5x ends December 31, 2027. After that, the steady answers become the Bilt Blue Card's 3x — as long as your accounts stay linked — and the Wells Fargo Autograph Card's 3x on transit, with the Freedom cards at 2%. So the practical play is simple: if one of these cards is already in your wallet, ride on it and enjoy the 5x while it lasts, but set a reminder for fall 2027 and don't open a new card solely for a promotion with a published end date.

The math

Spend $150 a month at Lyft and Southwest Rapid Rewards Priority Credit Card returns about $117 a year at our valuations — a flat 2% card returns $36.

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