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The American Express Platinum and Gold cards both come with monthly credits for Uber and Uber Eats that can be very helpful towards offsetting each card’s substantial annual fees.
Up ’til now, it’s been possible to stack multiple credits on one account by simply adding the respective cards as payment types on your Uber account. So, if you had several household Golds and/or Platinums, you could combine all of of them, use the total credit to one Uber or Uber Eats order, then pay with any card attached to your Uber account.
However, starting November 8th, you will now have to pay with an Amex card in order to use these Uber credits. Depending on how that rule is applied, it could be anything from a minor irritation to a significant devaluation.
Quick Thoughts
American Express has added the following to the terms and conditions of the Uber Credit that comes with Platinum and Gold cards:
Please note: Effective November 8, 2024, in addition to having Uber Cash toggled on, an American Express Card must be selected as the payment method for your transaction in the Uber or Uber Eats app to redeem Uber Cash received through this benefit.
The total amount of the Amex Uber credits will remain unchanged by these terms. However, you’ll no longer be apply Uber credits to a purchase that’s using a non-Amex card.
Starting in November, you’ll be required to use an Amex card as the payment method when using Amex Uber Cash towards an Uber ride or an Uber Eats order. It sounds like you don’t have to use the exact Amex Platinum or Amex Gold card that the credit comes from, you’ll be able to use any Amex card.
The big question is whether or not you’ll still be able to stack multiple credits into one account and then use of them together so long as an Amex card is selected as the payment source. If that’s it, then it’s no big deal.
However, if it ends up meaning that you’ll only be able to apply one credit per order, that becomes a serious bummer. Currently, my wife and I get $40 in credit per month (2x$15 and 1x$10) and we use that combined $40 towards one takeaway meal each month.
If those credits can no longer be stacked, we’d have to make three separate orders or rides in order to use the while shebang, which will end up making it much more of a pain and possibly more expensive, depending on the Uber Eats fees involved.
We’re trying to find out the specifics about this coming change and will update this post if/when we get details.
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I am wondering does this include third party amex? I like using my Navy Federal More Rewrds Amex for 3x transit and so maybe that would work?
This works out well with the Capital One SavorOne 10% back going away roughly at the same time haha
Worse case I’m probably paying with my Amex Green for rides or my Gold for Eats.
Like others I so rarely charge Ubers, just buy for Uber cash from GC apps or stores with 3rd party GC racks.
If we can still pool the Uber cash no biggie (we get $45 monthly – and typically I pay any overages on pick-up on Amex Gold for 4X (I guess I could use the $25 Amex Brilliant credit).
If Amex is looking for breakages is what gives me pause, because that is what likely happens with the Delta Plat Biz – gives $10 credit (after the fact) it cant be used in UE on rides.
I have just been using it toward Lyft cash ($25 min but its a a quasi 40% discount – but its against the AF (with $200 Delta Hotel stays, as well as the $10 monthly Resy credit – I have a decent Rwsy option for a pretty good Roast Beef sandwich with chips for $13 fir takeout, as well as the 15% award discount, free bags and the CP that includes Ventral America, PR, Hawai’i, Alaska and the Caribbean)
I always have extra uber cash bc I buy gift cards on sale. So I really hope I don’t have to pay part of the bill with an amex card. Right now when I get ubereats it first deducts the monthly credits then my remaining uber cash covers the rest. That uber cash is in the same pot as the amex credits and there is no way just to use an amex credit without also dipping into my gift card/cash balance. So they would have to change the way uber credits work in order to implement a stricter policy. Hoping they won’t.
This! Given how easy it is to get Uber gift cards at 15-20%, if anyone is paying the rest of it with a credit card, they are doing it wrong. I am fairly confident the Uber cash balance will still work. If they were going to do it as Tim is questioning, where you can only use $15 at a time and not stack multiple credits or gift card balance, it would make more sense for them to just make it a monthly $10 or $15 statement credit (like the Gold dining credit). They are keeping it as Uber cash, and the overage has to be backed by an Amex (kind of like how you can use Delta eCredits for their companion cert tickets, but anything over that has to be paid with an Amex).
You can still use your available credits and the account and any overage will go to the credit card on file. Now it just has to be an amex card instead of a random card. No big deal.
Not sure why it is that confusing… may be amex has been scaring people with these changes. It says “an amex card” . If it were the same card they would have said “the”.. or mention gold or plat by name. What am I missing here?
No, there’s no confusion at all about what you’re saying: it doesn’t have to be the same card (which is what’s noted in the post).
What’s unclear is whether or not you will be able to stack multiple credits on the same purchase like you can now.