Best credit card for transit

Updated October 30, 2026

U.S. Bank Cash+ earns the most at transit: 5% cash back. Pick ground transportation as a bonus category (each quarter). Up to $2,000 of spending a quarter, then 1% cash back.

Check with your own cards

Top 10 cards for transit

1. 1
   U.S. Bank Cash+ 5%
   U.S. Bank · No annual fee

   • Pick ground transportation as a bonus category (each quarter)
   • Up to $2,000 of spending a quarter, then 1% cash back
2. 2
   Wells Fargo Autograph 3%
   Wells Fargo · No annual fee
3. 3
   Bank of America Customized Cash Rewards 3%
   Bank of America · No annual fee

   • Pick travel as a bonus category (until you change it)
   • Up to $2,500 of spending a quarter, then 1% cash back
4. 4
   Amex Blue Cash Preferred 3%
   American Express · $95 a year ($0 the first year)
5. 5
   Chase Air Canada Aeroplan 3%
   Chase · $195 a year
6. 6
   IHG One Rewards Premier Select 3%
   Chase · $350 a year
7. 7
   IHG One Rewards Premier 2.5%
   Chase · $150 a year

   • This rate runs through December 31, 2026
8. 8
   Prime Visa 2%
   Chase · No annual fee
9. 9
   United Gateway 2%
   Chase · No annual fee
10. 10
    Citi Double Cash 2%
    Citi · No annual fee

From the issuers' terms

• U.S. Bank Cash+: “5% cash back on two categories you choose” usbank.com, checked 2026-10-24.
• Wells Fargo Autograph: “Transit: passenger railway, taxis, limousines, ferries, toll bridges and highways” creditcards.wellsfargo.com, checked 2026-10-26.
• Bank of America Customized Cash Rewards: “3% cash back in the category of your choice” bankofamerica.com, checked 2026-10-28.

How this is ranked

Every personal card earnrate tracks, each set up at its best for this purchase: the right bonus-category pick, any activation done, and no spending cap used up yet. Points are counted at 1¢, what most are worth as cash or travel credit; transferring them to airlines or hotels can be worth more. Annual fees aren't subtracted here; to weigh them against your own spending, use My spending.