How to Use Uber App Without Credit Card

The rise of ride-sharing services like Uber has revolutionized the way we think about transportation.

While these platforms offer unparalleled convenience, they can sometimes pose challenges for people who don’t want to link a credit card to their account.

Whether you’re concerned about security, privacy, or simply prefer using cash, you might wonder, how can I use the Uber app without a credit card?

In this comprehensive guide, we’re going to dive deep into alternative payment methods, the advantages and drawbacks of each, and step-by-step tutorials on setting them up.

Introduction to Uber’s Payment Systems

Uber is more than just a ride-hailing app; it’s a platform that encompasses various services, including food delivery and even freight.

Its payment system is designed to be seamless, often completed with just a tap on your smartphone.

Traditionally, the platform encourages the use of credit cards for their ease of use and traceability. However, not everyone is comfortable using a credit card for a variety of reasons.

Uber has recognized this diversity in user preference and has gradually expanded its accepted forms of payment.

From PayPal to cash options in specific cities, Uber has become more accommodating than ever.

Why You Might Want to Avoid Using a Credit Card

You might have personal or practical reasons for avoiding credit card use on the Uber app. Some common considerations include:

  • Privacy Concerns: Attaching a credit card to any online service can be risky. Data breaches are increasingly common, and you may prefer not to store such sensitive information on the app.
  • Limited Access: Not everyone has a credit card. Whether due to age restrictions, credit checks, or personal choice, this could limit your access to Uber’s services.
  • Budgeting: When you pay with a credit card, the ‘out-of-sight, out-of-mind’ factor can make it easy to overspend. Using alternative payments can help you keep track of your expenses more effectively.

Alternative Payment Options


PayPal stands as one of the most popular alternatives to credit cards for Uber payments.

To use this method, you need an active PayPal account linked to either your bank or another card. Here’s how to link your PayPal to your Uber account:

  1. Open the Uber app and go to the payment section.
  2. Choose ‘Add Payment Method.’
  3. Select ‘PayPal’ and follow the prompts.

PayPal also provides an additional layer of security, as you’re not directly inputting your financial information into the Uber app.

Debit Cards

Debit cards are another convenient alternative. These are generally considered safer than credit cards for day-to-day transactions and can be set up in the Uber app in a similar manner:

  1. Open the Uber app and navigate to the payment section.
  2. Choose ‘Add Payment Method.’
  3. Select ‘Card’ and enter your debit card information.

Gift Cards

Uber gift cards can be bought from various retailers or directly from Uber. These gift cards can be applied as a credit to your Uber account and used for rides and Uber Eats:

  1. Buy an Uber gift card from a verified retailer.
  2. Scratch off the label and find the code.
  3. Open the Uber app, go to the payment section, and choose ‘Add Promo/Gift Code.’
  4. Enter the code.

Cash Payments

In some cities, Uber allows for cash payments. However, this option must be selected before requesting the ride:

  1. Open the Uber app and go to the payment section.
  2. Choose ‘Cash’ as your preferred method.
  3. Confirm and request your ride.

How to Use Uber App Without Credit Card: A Step-by-Step Guide

  1. Open the Uber App: Start by opening the app on your mobile device.
  2. Navigate to Payments: Usually found in the menu section, this is where you can manage your payment options.
  3. Select ‘Add Payment Method’: This will bring up various options like PayPal, Debit Card, and Cash (if available).
  4. Follow the Prompts: Depending on what you choose, you’ll be guided through a series of steps to link your alternative payment method.
  5. Confirm and Go: Once your preferred method is set up, you can now book a ride without needing a credit card.

Note: For cash payments, make sure to have exact or near-exact change as drivers may not carry change.

Benefits and Drawbacks of Alternative Payment Methods

Each payment method has its own sets of advantages and disadvantages. While PayPal provides an extra layer of security, it might be subjected to service fees.

Debit cards eliminate the risk of spending money you don’t have but can still be risky if the data is compromised.

Gift cards offer anonymity but require upfront payment. Cash payments offer the most privacy but are not universally accepted and can be inconvenient.

Frequently Asked Questions

  • Can I switch back to a credit card later?
  • Yes, you can change your payment method any time.
  • Is it possible to use multiple payment methods?
  • Uber currently does not allow split payments between different methods for a single transaction.
  • What happens if my alternative payment fails?
  • If an alternative payment method fails, Uber will prompt you to update your payment details or choose a different method.


Uber has become increasingly flexible with its payment methods, making it easier for those who prefer not to use a credit card. Whether you opt for PayPal, a debit card, gift cards, or even cash, there are plenty of alternatives available.

Each has its pros and cons, so it’s important to choose the one that best suits your needs. Now that you know how to use Uber app without credit card, you can enjoy the freedom to move the way you want.

By understanding your options and following this guide, you can take advantage of all that Uber has to offer—without ever needing to link a credit card.

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A heavy gamer, there's nothing that Faith loves more than spending an evening playing gacha games. When not reviewing and testing new games, you can usually find her reading fantasy novels or watching dystopian thrillers on Netflix.

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