Best Credit Cards for Local Transit

20 Cards Compared

Cards

Custom Cash Citi
Points
5x Fee: $0
Option: Select Transit

Automatically earn 5% cash back in your top eligible spend category each billing cycle. No category enrollment required. Rewards earned as ThankYou Points.

Cap: 5% cash back up to $500 in combined purchases per billing cycle, then 1%
Cash+ U.S. Bank
Cash back
5% Fee: $0
Option: Ground Transportation

5% cash back on local transit when selected as one of two quarterly categories

Cap: Combined quarterly limit across all selected 5% categories
Business Gold American Express
Points
4x Fee: $375
Option: Transit

Automatically earn 4x points on transit (trains, taxis, rideshare, ferries, tolls, parking, buses, subways) when it's one of your top 2 spending categories each billing cycle.

Cap: Combined across all eligible categories per calendar year, then 1x
Customized Cash Rewards Bank of America
Cash back
3% Fee: $0
Option: Travel

Part of "Travel" choice category. Earn 3% cash back on local transit when selected as your choice category (6% for first year after account opening).

Cap: $2,500 combined quarterly spending cap shared across your selected 3% choice category and 2% grocery/wholesale club purchases
Business Advantage Customized Cash Rewards Bank of America
Cash back
3% Fee: $0
Option: Travel

Part of "Travel" choice category. Earn 3% cash back on local transit (includes bus lines and passenger railways) when selected as your choice category.

Cap: $50,000 annual combined spending cap across 3% choice category and 2% dining purchases
Citi Strata Citi
Points
3x Fee: $0

3x ThankYou Points on select transit

Chase Ink Business Preferred Chase
Points
3x Fee: $95

Earn 3 points per $1 on the first $150,000 spent in combined purchases on local transit including buses, trains, taxis, parking lots/garages, and tolls each account anniversary year.

Cap: Combined purchases across all 3x categories, per account anniversary year
Blue Cash Preferred American Express
Cash back
3% Fee: $95

Earn 3% cash back on transit including taxis, rideshare, parking, tolls, trains, buses, and more

Green Card American Express
Points
3x Fee: $150

Earn 3X points on transit, including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways

Prime Visa Chase
Cash back
2% Fee: $0

Earn 2% back on local transit and commuting, including rideshare.

United Gateway Chase
Points
2x Fee: $0

Earn 2x miles on local transit and commuting.

Chase Sapphire Preferred Chase
Points
2x Fee: $95

Earn 2x points on local transit including buses, trains, taxis, parking lots/garages, and tolls.

Bank of America Premium Rewards Bank of America
Points
2x Fee: $95

Earn 2 points for every $1 spent on local transit including buses, trains, taxis, rideshares, parking lots/garages, and tolls.

World of Hyatt Chase
Points
2x Fee: $95

Earn 2 points per $1 spent on local transit and commuting, including rideshare services.

United Business Card Chase
Points
2x Fee: $150

Earn 2 miles per dollar on local transit and commuting

World of Hyatt Business Chase
Points
2x Fee: $199
Option: Local Transit

Automatically earn 2x points on local transit and commuting when it's one of your top 3 spending categories each quarter.