BEST CARDS · UPDATED MONTHLY

Best Credit Cards for Transit & Commuting (October 2026)

Subways, buses, rideshare, tolls and parking add up fast for commuters. Transit is a quieter category with fewer competing cards — which makes the standouts easy to spot.

By Frank · Updated Oct 3, 2026 · 20 cards ranked

1 2x → ≈ 4% back

Chase Hyatt Business

Chase

Transit

Annual fee

$199

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Hyatt	4x	8%
Dining	2x	4%
Flights	2x	4%
Transit	2x	4%
Gas	2x	4%
Advertising	2x	4%
Shipping	2x	4%
Gym	2x	4%
Everything else	1x	2%

Benefits · $150/yr face value

Credits (1)

$100 Hyatt Credit $100 /semi-annual

Status & Elite Perks (1)

World of Hyatt Discoverist Status $50

Other (2)

5 Tier-Qualifying Night Credits per $10k
No Foreign Transaction Fees

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

2 4% back

Gemini Credit Card

WebBank

Transit

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas	4%	4%
EV Charging	4%	4%
Transit	4%	4%
Dining	3%	3%
Groceries	2%	2%
Everything else	1%	1%

Benefits · $0/yr face value

Protections (1)

Mastercard ID Theft Protection

Other (3)

10% Merchant Partner Rewards
No Foreign Transaction Fees
Instant Crypto Rewards

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

3 3% back

Amex Blue Cash Preferred

American Express

Transit

Annual fee

$95

Welcome bonus

$300

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Groceries	6%	6%
Streaming	6%	6%
Gas	3%	3%
Transit	3%	3%
Everything else	1%	1%

Benefits · $245/yr face value

Credits (1)

$10 Monthly Disney Bundle Credit $120 /monthly

Protections (4)

Car Rental Insurance $50 /yr
Purchase Protection $25 /yr
Extended Warranty $25 /yr
Return Protection $25 /yr

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

4 2x → ≈ 3% back

Atmos Rewards Ascent

Bank of America

Transit

Annual fee

$95

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Alaska	3x	4.5%
Hawaiian	3x	4.5%
Gas	2x	3%
EV Charging	2x	3%
Transit	2x	3%
Streaming	2x	3%
Internet / Cable / Phone	2x	3%
Everything else	1x	1.5%

Benefits · $350/yr face value

Credits (2)

Companion Fare $250 /yr
Alaska Lounge+ Membership Discount $100 /yr

Status & Elite Perks (4)

Priority Boarding
Elite Status Points Earning
Free First Checked Bag
20% In-flight Savings

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

5 2x → ≈ 3% back

Atmos Rewards Visa Business

Bank of America

Transit

Annual fee

$95

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Alaska	3x	4.5%
Hawaiian	3x	4.5%
Gas	2x	3%
EV Charging	2x	3%
Transit	2x	3%
Shipping	2x	3%
Everything else	1x	1.5%

Benefits · $350/yr face value

Credits (2)

Companion Fare $250 /yr
Alaska Lounge+ Membership Discount $100 /yr

Status & Elite Perks (4)

20% In-flight Savings
Priority Boarding
Free First Checked Bag
Elite Status Points Earning

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

6 3% back

Citi Strata

Citi

Transit

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Groceries	3%	3%
Gas	3%	3%
EV Charging	3%	3%
Transit	3%	3%
Dining	2%	2%
Everything else	1%	1%

Benefits · $0/yr face value

Status & Elite Perks (1)

Mastercard ID Theft Protection

Other (1)

ThankYou Points Transfer

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

7 3% back

Navy Federal More Rewards Amex

Navy Federal Credit Union

Transit

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Groceries	3%	3%
Gas	3%	3%
Transit	3%	3%
Dining	3%	3%
Everything else	1%	1%

8 3% back

Category	Rate	True value
EV Charging	3%	3%
Gas	3%	3%
Travel	3%	3%
Internet / Cable / Phone	3%	3%
Transit	3%	3%
Dining	3%	3%
Streaming	3%	3%
Everything else	1%	1%

Chase Southwest Performance Business

Chase

Transit

Annual fee

$299

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Southwest	4x	5.2%
Gas	2x	2.6%
Dining	2x	2.6%
Transit	2x	2.6%
Hotels	2x	2.6%
Everything else	1x	1.3%

Benefits · $587/yr face value

Credits (9)

10,000 Companion Pass Qualifying Points Boost $130 /yr
$10 Monthly Instacart Credit $120 /monthly
$120 Complimentary DashPass $120 /yr
9,000 Anniversary Points $117 /yr
$10 DoorDash Quarterly Credit $40 /quarterly
$120 Global Entry/TSA PreCheck Credit $30
$30 Complimentary Instacart+ Membership $30 /yr
Inflight Purchase Discount
Tier Qualifying Points

Status & Elite Perks (2)

Free First Checked Bag
Preferred Seating & Priority Boarding

Protections (5)

Auto Rental Coverage
Purchase Protection
Extended Warranty Protection
Lost Luggage Reimbursement
Baggage Delay Insurance

Redemption progress, reset dates and expiry alerts for all 16 benefits — track them automatically in the MaxWorth app →

10 2.6% back

Chase United Business

Chase

Transit

2.6%

Annual fee

$150

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
United	2%	2.6%
Dining	2%	2.6%
Gas	2%	2.6%
Office Supply	2%	2.6%
Transit	2%	2.6%
Everything else	1%	1.3%

Benefits · $715/yr face value

Credits (7)

$125 United TravelBank Cash $125 /yr
$10 Monthly Instacart Credit $120 /monthly
$100 United Hotels Credits $100 /yr
$8 Monthly Ride-Hailing Credit $100 /monthly
$50 Avis/Budget Credits $50 /yr
Instacart+ Membership (3 months) $30 /yr
$25 FareLock Credit $25 /yr

Status & Elite Perks (3)

2 United Club One-Time Passes $50 /yr
Free First Checked Bag $50 /yr
Priority Boarding

Other (2)

5,000-Mile Anniversary Bonus $65 /yr
25% Back on United Purchases

Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →

Show all 20 cards ranked for transit · ranked #11–#20

11 2x → ≈ 2.6% back

Chase United Gateway

Chase

Transit

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
United	2x	2.6%
Gas	2x	2.6%
Transit	2x	2.6%
Everything else	1x	1.3%

Benefits · $0/yr face value

Status & Elite Perks (2)

25% Back on United Inflight and Club Premium Drink Purchases
First 2 Checked Bags free

Protections (5)

Auto Rental Coverage
Extended Warranty Protection
Purchase Protection
Trip Cancellation and Interruption Insurance
Visa Concierge Service

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

12 2x → ≈ 2.6% back

Citi AAdvantage Globe

Citi

Transit

Annual fee

$350

Welcome bonus

Earn 60,000 AAdvantage bonus miles after $4,000 in purchases in the first 3 months

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
American	3x	3.9%
Transit	2x	2.6%
Everything else	1x	1.3%

Benefits · $1,300/yr face value

Credits (5)

Companion Certificate $300 /yr
$240 Turo Credit $240 /monthly
$100 Choice Credits $100 /yr
$100 Inflight Purchase Credit $100 /yr
$120 Global Entry/TSA PreCheck Credit $30

Status & Elite Perks (1)

Admirals Club Globe Passes $200 /yr

Protections (6)

Trip Cancellation/Interruption Insurance $100 /yr
Trip Delay Insurance $50 /yr
Lost or Damaged Luggage Insurance $50 /yr
Extended Warranty Protection $25 /yr
Purchase Assurance Plus $25 /yr
MasterRental Coverage

Other (1)

First Checked Bag Free $80 /yr

Redemption progress, reset dates and expiry alerts for all 13 benefits — track them automatically in the MaxWorth app →

13 2% back

Alaska Airlines Visa Signature

Bank of America

Transit

Annual fee

$95

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Alaska	3%	3%
Gas	2%	2%
Streaming	2%	2%
Transit	2%	2%
Everything else	1%	1%

Benefits · $300/yr face value

Credits (1)

Alaska Companion Fare $300 /yr

Status & Elite Perks (2)

First Checked Bag Free
Priority Boarding

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

14 2% back

Chase Amazon Visa

Chase

Transit

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Amazon	3%	3%
Whole Foods	3%	3%
Gas	2%	2%
Transit	2%	2%
Dining	2%	2%
Everything else	1%	1%

Benefits · $503,600/yr face value

Protections (7)

Travel Accident Insurance $500,000 /yr
Lost Luggage Reimbursement $3,000 /yr
Purchase Protection $500 /yr
Baggage Delay Insurance $100 /yr
Extended Warranty Protection
Auto Rental Coverage
Zero Liability Protection

Other (1)

Contactless Payment

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

15 2% back

Chase Prime Visa

Chase

Transit

Annual fee

Welcome bonus

$150 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance on approval

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Amazon	5%	5%
Whole Foods	5%	5%
Dining	2%	2%
Gas	2%	2%
Transit	2%	2%
Everything else	1%	1%

Benefits · $200/yr face value

Status & Elite Perks (1)

Roadside Assistance

Protections (7)

Baggage Delay Insurance $100 /yr
Purchase Protection $50 /yr
Lost Luggage Reimbursement $50 /yr
Extended Warranty Protection
Auto Rental Coverage
Travel Accident Insurance
Zero Liability Protection

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

16 1.5x → ≈ 1.8% back

Amex Delta Platinum Business

American Express

Transit

1.5x

Annual fee

$350

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Flights	3x	3.6%
Hotels	3x	3.6%
Transit	1.5x	1.8%
Shipping	1.5x	1.8%
Everything else	1x	1.2%

Benefits · $1,310/yr face value

Credits (5)

Annual Companion Certificate $400 /yr
$200 Delta Stays Credit $200 /yr
$10 Monthly Rideshare Credit $120 /monthly
$10 Monthly Resy Credit $120 /monthly
Global Entry/TSA PreCheck Credit $30

Status & Elite Perks (3)

Free Checked Bag $140 /yr
Priority Boarding $50 /yr
MQD Headstart

Protections (1)

Cell Phone Protection $50 /yr

Other (1)

Award Travel Discount $200 /yr

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

17 1.5x → ≈ 1.8% back

Amex Delta Reserve Business

American Express

Transit

1.5x

Annual fee

$650

Welcome bonus

125,000 Delta SkyMiles

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Delta	3x	3.6%
Transit	1.5x	1.8%
Shipping	1.5x	1.8%
Office Supply	1.5x	1.8%
Everything else	1x	1.2%

Benefits · $3,795/yr face value

Credits (7)

Annual Companion Certificate $500 /yr
Delta Stays Hotel Credit $250 /yr
$20 Monthly Resy Dining Credit $240 /monthly
$10 Monthly Rideshare Credit $120 /monthly
Sky Club Guest Passes $50 /yr
Delta Sky Club Access $35 /yr
Global Entry / TSA PreCheck Credit $30

Status & Elite Perks (6)

MQD Headstart $2,500 /yr
Free First Checked Bag $70 /yr
Hertz President's Circle
Complimentary Upgrade Eligibility
Priority Boarding
Unlimited Sky Club (Spend $75k)

Other (1)

15% Award Discount

Redemption progress, reset dates and expiry alerts for all 14 benefits — track them automatically in the MaxWorth app →

18 2x → ≈ 1.4% back

Chase Marriott Bonvoy Bold

Chase

Transit

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Marriott	3x	2.1%
DoorDash	2x	1.4%
Groceries	2x	1.4%
Internet / Cable / Phone	2x	1.4%
Transit	2x	1.4%
Streaming	2x	1.4%
Everything else	1x	0.7%

Benefits · $910/yr face value

Credits (3)

Pay Yourself Back $750 /yr
Complimentary DashPass $120 /yr
Earn Up to $10 Off Quarterly on DoorDash Non-Restaurant Orders $40 /quarterly

Status & Elite Perks (2)

5 Elite Night Credits
Automatic Silver Elite Status

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

19 1x → ≈ 1.3% back

Chase Southwest Premier

Chase

Transit

Annual fee

$149

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Southwest	3x	3.9%
Groceries	2x	2.6%
Dining	2x	2.6%
Everything else	1x	1.3%
Transit	1x	1.3%
Streaming	1x	1.3%

Benefits · $392/yr face value

Credits (7)

Complimentary DashPass $144 /yr
10,000 Companion Pass® Boost $130 /yr
6,000 Anniversary Points $78 /yr
DoorDash Quarterly Discount $40 /quarterly
Inflight Purchase Discount
15% Anniversary Promo Code
Tier Qualifying Points

Status & Elite Perks (2)

Free First Checked Bag
Preferred Seat Selection & Priority Boarding

Redemption progress, reset dates and expiry alerts for all 9 benefits — track them automatically in the MaxWorth app →

20 1x → ≈ 1.3% back

Chase Southwest Priority

Chase

Transit

Annual fee

$229

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Southwest	4x	5.2%
Gas	2x	2.6%
Dining	2x	2.6%
Everything else	1x	1.3%
Transit	1x	1.3%
Internet / Cable / Phone	1x	1.3%
Streaming	1x	1.3%

Benefits · $412/yr face value

Credits (6)

Complimentary DashPass $144 /yr
Companion Pass Qualifying Points Boost $130 /yr
Anniversary Points $97.50 /yr
DoorDash Quarterly Discount $40 /quarterly
Inflight Purchase Discount
Tier Qualifying Points

Status & Elite Perks (2)

Preferred Seating & Priority Boarding
Free First Checked Bag

Protections (4)

Lost Luggage Reimbursement
Baggage Delay Insurance
Extended Warranty Protection
Purchase Protection

Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →

How we rank

Rankings are generated from the MaxWorth database at build time. Point multipliers are converted to true cash-back value using program-level point valuations (a 4x rate in 1.4¢ points ranks as 5.6%). Issuer-portal-exclusive rates are excluded; single-brand rates are included but flagged. No card pays to be here. Content is not reviewed or endorsed by any issuer — full disclaimer.

FAQ

Does rideshare count as transit?

Uber and Lyft usually code as transit or ride services depending on the issuer’s definition — check the card’s category terms.