Best credit cards for transit
Ranked by what each card returns on transit alone, using Miles' default point valuations. The right card for you depends on the rest of your wallet: a high transit rate is worth less than it looks if you would never use the rest of the card.
Verdict:Transit
Amtrak Guest Rewards Preferred Mastercard
2X Amtrak Guest Rewards5.12% return
$99 annual fee
Business Gold earns more, but only on a rate you have to opt into or qualify for each cycle. It is first in the table below, with the condition attached.
The rest
| Card | Return | Fee |
|---|---|---|
| Business GoldBusiness4X American Express Membership Rewards capped at $150,000/year, then 1X · 4X only if transit is one of your top 2 spending categories this billing cycle | 6% | $375 |
| Cash+5% Cash Back capped at $2,000/quarter, then 1% · Up to $2K/qtr · Applies if you choose Ground Transportation as one of your 5% Categories | 5% | $0 |
| Autograph3X Wells Fargo Rewards | 4.2% | $0 |
| Bilt Palladium2X Bilt Rewards | 3.1% | $495 |
| Alaska Atmos Rewards Ascent Visa Signature2X Alaska Atmos Rewards | 3% | $95 |
| Alaska Atmos Rewards Visa BusinessBusiness2X Alaska Atmos Rewards | 3% | $95 |
| Blue Cash Preferred3% Cash Back | 3% | $95 |
| Sapphire Preferred2X Chase Ultimate Rewards | 3% | $95 |
| Strata3X cashback | 3% | $0 |
| LATAM Airlines World Elite3X LATAM Pass | 3% | $99 |
| Morgan Stanley Blue Cash Preferred3% Cash Back | 3% | $95 |
| Blue Business PlusBusiness2X American Express Membership Rewards capped at $50,000/year, then 1X · Up to $50K/yr | 3% | $0 |
| World of Hyatt2X World of Hyatt | 3% | $95 |
| Customized Cash Rewards3% Cash Back capped at $2,500/quarter, then 1% · Applies if you choose Travel as your 3% Bonus Category | 3% | $0 |
Showing the top 15 of 82 cards that return above 1.5% on transit. 22 of them earn a transit bonus. Browse them all →