Transit

Best credit card for transit

Every card in our verified catalog that multiplies transit, ranked by what a dollar of transit spending actually earns. Points and miles are valued at their program’s typical worth (transferable bank points 1.25¢, hotel points as little as 0.5¢), so a big multiplier on a weak currency doesn’t outrank honest cash back. Caps and annual fees are part of the math, not footnotes.

Card	Rate	Per $100	Cap	Annual fee
Costco Anywhere VisaCiti · Gas purchased at Costco warehouse gas stations worldwide. The $7,000/year cap is COMBINED with the 4% non-Costco gas/EV rate; spend above the shared cap earns 1%. Increased from 4% to 5% in January 2026.	5%	$5.00	$7,000/yr	None
Sapphire PreferredChase · gas stations and EV charging, added June 2026	3×	$3.75	None	$95
World of HyattChase · Local transit and commuting (buses, trains, rideshare, tolls, parking).	2×	$3.40	None	$95
Blue Cash PreferredAmerican Express · U.S. gas stations plus transit	3%	$3.00	None	$95
Customized Cash RewardsBank of America · Only if selected as the single 'choice category': gas and EV charging stations. One choice category active at a time, changeable once per calendar month. The $2,500/quarter cap is shared across the choice category plus grocery/wholesale club spend.	3%	$3.00	$2,500/qtr	None
AutographWells Fargo · Combines the card's separate 'gas stations' and 'transit' categories: gas and EV charging stations, subways/public transit, rideshares, parking and tolls. Unlimited, no cap.	3×	$3.00	None	None
Hilton Honors SurpassAmerican Express · U.S. gas stations only; no transit/commuting or EV charging bonus	6×	$3.00	None	$150
AAdvantage Platinum SelectCiti · Gas stations only; no documented EV charging or transit inclusion	2×	$3.00	None	$99
Alaska Airlines Visa SignatureBank of America · Eligible gas stations, EV charging stations, and local transit including ride-hailing, trains, tolls and ferries	2×	$2.90	None	$95
Southwest Rapid Rewards PlusChase · Gas stations only. The $5,000 cap is COMBINED per anniversary year with the grocery stores bonus; 1x after the shared cap.	2×	$2.70	$5,000/yr	$99
Hilton HonorsAmerican Express · U.S. gas stations only; no other transit or commuting spend earns the bonus	5×	$2.50	None	None
IHG One Rewards PremierChase · Gas stations only; no transit/commuting or EV-charging language in the issuer terms.	5×	$2.50	None	$99
Marriott Bonvoy BoundlessChase · Gas stations only (no broader commuting/transit earn); $6,000 annual cap is COMBINED with dining and groceries 3X categories, then drops to 2X.	3×	$2.10	$6,000/yr	$95
Altitude GoU.S. Bank · Gas stations and EV charging stations. Excludes discount stores/supercenters and wholesale club fuel.	2×	$2.00	None	None
Amazon Prime VisaChase · Gas stations plus local transit and commuting, including rideshare, tolls, parking, trains and buses	2%	$2.00	None	None

The real answer depends on what else you spend

This table ranks cards in isolation. Connect your bank and WhatCard ranks them against your actual spending, net of every fee, including when the answer is “keep the cards you have.”

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