Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Ranked by earn rate on transit, rideshare, trains, buses, and commuting costs.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Transit, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Citi
Cardless
Wells Fargo
Side-by-side view of the ranked picks.
| Card | Transit Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Strata Credit CardCiti | 3x ThankYou Points | 4.8¢/$ | $0 | — | mastercard |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | $100 | mastercard |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 3.8¢/$ | $0 | — | visa |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | — | visa |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →| U.S. Bank Cash+® Visa Signature® CardUsbank | 5% cash back | 5.0¢/$ | $0 | — | visa |
| Navy Federal More Rewards American Express®Navy Federal | 3x points | 3.0¢/$ | $0 | — | amex |
| Blue Cash Preferred Card from American ExpressAmex | 3% cash back | 3.0¢/$ | $95 | $84 | amex |
| World of Hyatt Credit CardChase | 2x World of Hyatt | 2.0¢/$ | $95 | — | visa |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.4¢/$ | $595 | $597.50 | mastercard |
| United Gateway CardChase | 2x MileagePlus | 2.0¢/$ | $0 | — | visa |
