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.
Ask Miles which of these fits your walletVerdict: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 | Rate | Return | Annual fee |
|---|---|---|---|
| Business GoldBusiness 4X 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 | 4X American Express Membership Rewards | 6% | $375 |
| Freedom Flex 5X cashback capped at $1,500/quarter, then 1X · Up to $1.5K/qtr | 5X cashback | 5% | $0 |
| Bilt Palladium 2X Bilt Rewards + 4% Bilt Cash | 2X Bilt Rewards + 4% Bilt Cash | 4.7% | $495 |
| Autograph 3X Wells Fargo Rewards | 3X Wells Fargo Rewards | 4.2% | $0 |
| Bilt Blue 1X Bilt Rewards + 4% Bilt Cash | 1X Bilt Rewards + 4% Bilt Cash | 3.15% | $0 |
| Bilt Obsidian 1X Bilt Rewards + 4% Bilt Cash | 1X Bilt Rewards + 4% Bilt Cash | 3.15% | $95 |
| Alaska Atmos Rewards Ascent Visa Signature 2X Alaska Atmos Rewards | 2X Alaska Atmos Rewards | 3% | $95 |
| Alaska Atmos Rewards Visa BusinessBusiness 2X Alaska Atmos Rewards | 2X Alaska Atmos Rewards | 3% | $95 |
| Blue Cash Preferred 3% Cash Back | 3% Cash Back | 3% | $95 |
| Strata 3X cashback | 3X cashback | 3% | $0 |
| LATAM Airlines World Elite 3X LATAM Pass | 3X LATAM Pass | 3% | $99 |
| Morgan Stanley Blue Cash Preferred 3% Cash Back | 3% Cash Back | 3% | $95 |
| Blue Business PlusBusiness 2X American Express Membership Rewards Up to $50K/yr | 2X American Express Membership Rewards | 3% | $0 |
| World of Hyatt 2X World of Hyatt | 2X World of Hyatt | 3% | $95 |
Showing the top 15 of 82 cards that earn above 1.5% on transit. Browse them all →