You Can Quadruple Dip on Uber Rides and Double Dip on Lyft
With a little bit of work online to link accounts, using the right card, and understanding the programs, you can quadruple-dip your rewards on Uber rides. You can also double-dip rewards on Lyft rides. Here’s how to stack your earnings for more value on each ride.
Understanding the Terms
You’ve likely heard “double-dip” quite often in the credit card rewards sphere. That means you’re earning “double” rewards or rewards from two programs at the same time.
In this vein, “quadruple-dip” means earning four types of rewards at the same time. Sounds crazy, right? Let’s look into it.
Quadruple-Dip Rewards on Uber Rides
We’re going to earn points with four programs at once here:
- Air Canada Aeroplan
- Marriott Bonvoy
- Uber
- Your credit card that you use for payments
Air Canada Aeroplan-Uber Partnership
First, you’ll need to link your accounts here. You can earn the following rewards on Uber rides after linking to your Aeroplan account:
- 1 Aeroplan point per $1 CAD spent on rides in the U.S. and Canada (excludes UberPool).
- 2 Aeroplan points per $1 CAD spent on Uber Premium rides in the U.S. and Canada that start or end at an airport (ex: UberXL, Comfort, Premier, Premier SUV, Black, and Black SUV).
- 1 Aeroplan point per $1 CAD spent on Uber Eats orders in Canada only, orders must be $25 CAD or more.
- For every 10 qualifying rides in Canada or the U.S., earn an Air Canada flight credit worth $10 for one-way bookings or $20 for round-trip bookings (amounts are per passenger) on Air Canada metal.
Since these values are in CAD, this becomes even more favorable on rides in the U.S.: approximately 1.2 points per $1 USD.
Additionally, there are the following new user bonuses:
- 1,000 Aeroplan points after your first Uber Eats deliver or pick-up order in Canada.
- 1,000 Aeroplan points after your first ride in Canada or the U.S. (excludes UberPool).
See also: Details on the new Aeroplan program
Marriott Bonvoy-Uber Partnership
First, link your accounts here. You can earn the following rewards on Uber rides after linking to your Bonvoy account:
- 2 Bonvoy points per $1 USD spent on Uber Eats orders of $25+.
- 3 Bonvoy points per $1 USD spent on rides with UberXL, Uber Comfort, Uber SUV, and Uber Black in the U.S.
- 6 Bonvoy points per $1 USD spent on Uber Eats orders of $25+ that are delivered to a Marriott hotel.
These rewards are only available in the U.S., unfortunately.
See also: Guide to the Marriott Bonvoy program
Uber Rewards
Uber has its own rewards program, and you can read more about it here. You earn the following:
- 1 point per dollar spent on Uber Eats and UberPool
- 2 points per dollar spent on rides with UberX, Uber XL, Uber Green, Uber WAV/Assist, Uber Comfort, Uber Select, Uber Pet, and Uber Connect
- 3 points per dollar spent on Uber Black, Uber Black SUV, and Uber Green rides
Using the Right Credit Card
You can see our guide to credit card bonus categories for which of your cards should earn the most on rideshare apps and travel spending. Uber rides should code as travel and earn 3x Ultimate Rewards with the Chase Sapphire Reserve or Chase Ink Business Preferred — or earn 2x with the Chase Sapphire Preferred.
Rideshare trips should also trigger the annual $300 travel credit with the Chase Sapphire Reserve, if you haven’t used this yet for the year.
With the American Express Green Card, rides should earn 3x Membership Rewards. Additionally, you should earn 3x with the U.S. Bank Altitude Reserve.
Adding It All Up
Now that we understand the programs, let’s look at some sample rides to see what you could earn.
| Type of ride | Aeroplan earnings | Marriott Bonvoy earnings | Uber Rewards earnings | Credit card rewards earnings | Total earnings |
|---|---|---|---|---|---|
| $20 Economy ride (Uber X) in US, not to airport | 24 points (72¢ value) | 0 points | 40 points (40¢ value) | 60 points, if using a 3x card (roughly $1.20 in value) | $2.32 (11.6% return on spending) |
| $25 Premium ride (Uber Comfort) in US to an airport | 48 points ($1.44 value) | 60 points (60¢ value) | 40 points (40¢ value) | 75 points, if using a 3x card (roughly $1.50 in value) | $3.94 (15.8% return on spending) |
Note that values are taken from our guide to what points & miles are worth and the way Uber converts points to Uber Cash in your account at 1¢ each. Thus, you could earn a pretty good return on your spending if you link accounts and then quadruple-dip your rewards on Uber rides. This doesn’t take into account things like free Uber Cash each month that you can get from select American Express cards.
Double-Dip Rewards on Lyft Rides
Unfortunately, Lyft made some changes that diminished your rewards-earning opportunities. On June 30, 2021, Lyft began requiring users to choose whether they wanted to earn rewards from Delta or from Hilton. You can’t earn both. However, we can still effectively “double-dip” by earning from one of those programs and credit card rewards. We’ll also look at some enhanced earning and discounts you could work into the mix.
Delta SkyMiles-Lyft Partnership
First, you’ll need to link your accounts here. You can earn the following rewards on Lyft rides after linking to your Delta account:
- 1 Delta SkyMile per $1 USD spent on all rides in the U.S.
- 2 Delta SkyMiles per $1 USD spent on rides to and from U.S. airports
There is also a new user bonus. Earn two (2) $10 Lyft ride credits, which will be automatically loaded into your account and can be used on future rides.
Hilton Honors-Lyft Partnership
First, you’ll need to link your accounts here. You can earn the following rewards on Lyft rides after linking to your Hilton account:
- 2 Hilton points per $1 USD spent on shared rides in the U.S.
- 3 Hilton points per $1 USD spent on all other rides in the U.S.
There’s also a new user bonus: Get $5 off your first three rides when you sign up. Credits will be applied to your account automatically.
No Lyft Rewards Points
Unfortunately, Lyft does not have a system where you can earn and redeem points. You can join Lyft Pink to get extra perks (this is a paid membership, unless you have a credit card like the Chase Sapphire Reserve that offers a free 1-year membership). Perks include 15% off on some rides and priority airport pickups.
Using the Right Credit Card
We mentioned above about using the best credit cards for travel purchases. Lyft rides should code as travel in the same way as discussed in the Uber section.
With Lyft in particular, there are two cards to highlight:
- Chase Sapphire Preferred – earn 5x on Lyft rides through March 31, 2022 (then it goes back to 2x earning).
- Chase Sapphire Reserve – earn 10x on Lyft rides through March 31, 2022 (then it goes back to 3x earning). There is also the free year of Lyft Pink, as mentioned above, which also ends in March 2022.
Adding It All Up
Let’s look at some more sample rides to see what you could earn.
| Type of ride | Delta earnings | Hilton earnings | Better option | Credit card earnings | Total earnings |
|---|---|---|---|---|---|
| $20 shared ride in the U.S. (not to an airport) paying with Sapphire Preferred | 20 miles (32¢ value) | 20 points (10¢ value) | Delta | 100 points (roughly $2 in value) | $2.32 (11.6% return on spending) |
| $25 ride to U.S. airport, paying with Sapphire Reserve | 50 miles (80¢ value) | 75 points (38¢ value) | Delta | 250 points (roughly $5 in value) | $5.80 (23.2% return on spending) |
| $20 ride in the U.S., not to an airport | 40 miles (64¢ value) | 60 points (30¢ value) | Delta | 60 points, if using a 3x card (roughly $1.20 in value) | $1.84 (9.2% return on spending) |
Using cards with 5x and 10x earning rates will significantly boost your earnings. Unfortunately, this is a limited-time promotion. We’ll have to see if it gets extended.
Our Take
And there you have it: the quadruple-dip of rewards points with Uber rides and the double-dip on Lyft rides. It’s worth linking your accounts in advance, since the work is done. You DON’T have to perform any extra clicks when taking rides.
We are big fans of earning extra points from a few clicks on a website or in a mobile app. Through linking your accounts, we saw an example of 17% return with a quadruple-dip on Uber rides. Examples from double-dipping on Lyft rides produced as much as a 28% return. These come from earning extra rewards through rideshare programs, their partners, and the credit card that you pay with.
There are also new user bonuses which further extend the value of signing up, linking accounts, and taking your first few rides. You can even get $5 added to your Lyft account if you pay with a Mastercard and take 3 rides in a month. All of these perks are worth a little extra clicking before you starting riding, if you ask me.
Other ideas for similar practices include shopping portals when shopping online and dining programs for restaurants.
Know something better than the Uber rewards quadruple dip? Let us know if you have other great ideas for stacking rewards.
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I use the ibotta app to save $0.75 in every Uber ride and $1 on every Lyft ride in addition to partner bonuses. Also, the dosh app gives cash back on every Lyft ride. So between those, delta, and credit card points, I quintuple dip on my Lyft rides.
Dont use any credit card, you can easily find gift card which was sold at 90% or even 80% of its face value.
Another incorrect statement … You cant link hilton and delta simultaneously either, lyft made you choose between the two last year
As the article very clearly states: “On June 30, 2021, Lyft began requiring users to choose whether they wanted to earn rewards from Delta or from Hilton. You can’t earn both.”
How about 14.5 percent back on every single Lyft and Uber?
In the US.
Reno Joe – what are you referring to? (I’m late catching up. I moved this weekend and was offline)
Using your credit card to pay for Uber rides is very sub-optimal. You should be able to easily purchase Uber and/or Uber Eats gift cards for at least 8-10% off, gaining you credit card points plus actual cash savings.
Sure, there’s that of course. The article obviously doesn’t cover everything, like the fact you could also buy those cards online and add on a portal for even more points/cash back.
How have you been able to get Aeroplan linked? I tried many times with no luck, so should I unlink Bonvoy, *attempt to link* Aeroplan and then try to get Bonvoy relinked?
Yeah, I can’t link Aeroplán either.
That’s because the advice here is incorrect. The Aeroplan-Uber partnership’s terms say “To be eligible to earn Aeroplan points (“Points”) with Uber, you must…Have an Uber and/or Uber Eats account in Canada in good standing” So you can only take advantage of this if you have a Canadian-based Uber account.
My Aeroplan address isn’t registered in Canada. Same applies to other people I know who have linked their accounts.
Lukas & S –
I linked mine when the partnership was first announced, and it connected without issues. It looks like the terms were changed about Canada addresses, but I know several people who have linked their accounts without having a Canadian address. If all else fails, you could try changing your address for a short time.
Just an FYI for the readers – I changed my address to Canada in settings, turned on a VPN and selected Canada as my location and disabled my location sharing. Despite all that, I still receive the following message – We’re unable to link your account to this loyalty program right now. Anyone who has had luck, please share!