Compare card earning rates, fees and benefit qualifications.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.
163 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
Not transit?
American Express
Why this card
Est. $24/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
U.S. Bank
Why this card
No annual fee
Chase
Why this card
No annual fee
Cardless
Why this card
Why this card
BMO
Why this card
Est. $12.50/yr in usable credits offset part of the $150 fee — actual value depends on use and eligibility
Bonus rate on first $3,000/quarterly, then base rate
Why this card
Est. $50/yr in usable credits offset part of the $350 fee — actual value depends on use and eligibility
Why this card
No annual fee
Chase
Why this card
Est. $120/yr in usable credits offset part of the $695 fee — actual value depends on use and eligibility
Cardless
Why this card
Est. $100/yr in usable credits offset part of the $495 fee — actual value depends on use and eligibility
Capital One
Why this card
Elan Financial
Why this card
No annual fee
Why this card
$20/yr value — Lyft Credits (Lyft rides only)
No annual fee
Why this card
Est. $300/yr in usable credits offset part of the $595 fee — actual value depends on use and eligibility
Capital One
Why this card
Synchrony
Why this card
No annual fee
TD Bank
Why this card
No annual fee
Why this card
Smartly Earning Bonus requires a U.S. Bank Smartly Savings account plus a qualifying balance in U.S. Bank Smartly Checking and/or Safe Debit account(s) Total 2.5% with qualifying balance of $10,000-$49,999.99 Total 3% with qualifying balance of $50,000-$99,999.99 Total 4% with qualifying balance of $100,000 or more Bonus applies to first $10,000 in eligible Net Purchases each billing cycle; spend above the cap earns the 2% base
No annual fee
Wells Fargo
Why this card
No annual fee
Cardless
Why this card
No annual fee
Why this card
No annual fee
Cardless
Why this card
American Express
Why this card
$120/yr value — Uber Credit (Uber rides only)
$60/yr value — Uber One Membership Credit (Uber rides only)
Est. $632.50/yr in usable credits offset part of the $895 fee — actual value depends on use and eligibility
Why this card
Why this card
Why this card
No annual fee
Why this card
$60/yr value — Lyft Monthly Credit (Lyft rides only)
Est. $588/yr in usable credits offset part of the $795 fee — actual value depends on use and eligibility
Capital One
Why this card
No annual fee
Capital One
Why this card
No annual fee
Why this card
This estimate uses the card's ordinary rate: an additional category reward for this purchase is unverified and excluded.
No annual fee
For transit & rideshare, our top pick is the Blue Cash Preferred, which earns 3% cash back, 3.0¢ per dollar. It has a $95 annual fee and comes with $120 a year in credits, of which we count $24 as typically used. If you'd rather not pay a fee, the SKYPASS SkyBlue Visa earns 2x Korean Air SKYPASS, worth about 2.0¢ per dollar at our 1.0¢ valuation. The United Gateway and United Club both earn 2x MileagePlus; the United Gateway comes out ahead after fees at your spend.
