When we travel as a family, rideshare is unavoidable at times. Yes, we do rental cars, but for quick in-and-out trips, it’s typically rideshare for us.

Airport transfers, hotel rides, theme parks, dinners — those costs add up quickly. Since we’re already paying for rides, we want them to work for us rather than feel like wasted travel expenses.

That’s why we consistently choose Lyft when we travel.

Monthly ride credits we actually use

One of the biggest reasons is the monthly Lyft credits available through select Chase cards.

With our travel pattern, we almost always use at least two rides in the same month — airport to hotel and hotel back to the airport. On trips like our recent Universal vacation, we added one additional ride during the stay (to and from the park on both days), which triggered the monthly credit. You have to take 3 rides in a month to trigger the credit.

That meant one of our rides was essentially covered using transportation we already needed.

This benefit alone can add up to $120 per year when used consistently. We typically get $40 per year from this credit, since we rent cars at times and don’t take Lyft rides every single month, since we live in rural Missouri. 🙂

Specific Chase Cards That Earn 5X Points on Lyft Rides (through September 30, 2027)

1. Chase Sapphire Reserve for Business
• Earn 5x total points on Lyft rides
• Plus up to $10 in monthly Lyft ride credits (up to $120/year) when you pay with this card (you must use it for the ride credit to apply).

2. Chase Sapphire Preferred
• Earn 5x total points on Lyft rides — no Lyft ride credit, but the higher point rate still makes Lyft rides more rewarding compared with many other cards.

3. Chase Ink Business Cards (varies by specific issuer product)
Several business-focused Chase Ink cards also earn 5x total points on Lyft rides (or 5% total cash-back equivalent, depending on the exact card). These typically include:
• Chase Ink Business Preferred® Credit Card — earns 5x total points on Lyft rides through Sept. 30, 2027.
• Other Ink business cards (Ink Business Cash®, Ink Business Unlimited®, etc.) also offer 5x points or 5% cash back on Lyft rides, depending on the exact product, through the same benefit period.

Cards that do not earn 5x points on Lyft:
• Chase Freedom Flex® and Freedom Unlimited® now earn 2% cash back (2x total points) on Lyft rides rather than 5x.

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How This Works in Practice

With the Chase Sapphire Reserve for Business card, you get both the $10 monthly Lyft ride credit and 5x total points on Lyft rides — making airport transfers and rides during your trip essentially work for you through both credits and rewards.

If you have the Chase Sapphire Preferred, you won’t get the monthly credit, but you still earn 5x points on Lyft rides — which adds up fast if you take multiple rides while traveling.

And if you carry certain Ink business cards, you can also earn 5x points (or 5% cash back) on Lyft rides — another option for maximizing rewards if you use business cards for travel spending.

Being intentional about where our money goes

Where we spend our money matters to us.

Lyft did not donate to the most recent inauguration, and that’s something we personally value. When there are multiple options available, we choose to support companies that better align with our priorities.

The bottom line

We’re not taking more rides — we’re just being more intentional with the ones we already need.

By using Lyft, we’re able to:

• offset ride costs with monthly credits
• earn valuable travel rewards
• and align our spending with our values

If you’re already using rideshare when you travel, Lyft is one of the simplest ways to make that spending work harder for you.

If you’re planning to open one of the cards mentioned above, please reach out to me first. I’m always happy to help you decide which option makes the most sense for your travel plans and make sure you’re earning points in the most strategic way possible. You can send me a message or reply to this post — I’ll point you in the right direction before you apply.