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Best Credit Cards for transit

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

CardRewards.ai helps you find the best credit card for your spending with data-driven recommendations, side-by-side comparisons, and expert analysis.

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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.

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Best Credit Cards for transit

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

Resolved as:TransitCached
95%
Not right? Try:
111 matches775ms

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

1

Bilt Palladium Card

Cardless

2x Bilt Rewards on Transit
2x × 2.2¢/pt = 4.4¢ per dollar

Why this card

  1. 1.$200/yr $400 Bilt Travel Hotel credit
  2. 2.Priority Pass Airport Lounge Access
  3. 3.MasterRental Coverage
  4. 4.Mastercard Travel & Lifestyle Services

$100 in credits offset the $495 fee

MASTERCARD
4.4¢
per dollar on transit
$495/yr($100 in credits)
Annual rewards$264.00
+ Credits$100
− Annual fee$495
Net annual value-$131.00
U.S. Bank Cash+® Visa Signature® Card
2

U.S. Bank Cash+® Visa Signature® Card

Usbank

5% cash back on Transit

Why this card

  1. 1.5% cash back on Transit & Rideshare ($300/yr on $6,000 spend)

No annual fee

Your spend ($6,000) is 75% of the $8,000 annual cap

VISACore Rate
5.0¢
per dollar on transit
No annual fee
Annual rewards$300
Net annual value$300

Bonus rate on first $2,000/quarterly, then base rate

Citi Strata Credit Card
3

Citi Strata Credit Card

Citi

3x ThankYou Points on Transit
3x × 1.6¢/pt = 4.8¢ per dollar

Why this card

  1. 1.3x on Transit & Rideshare — points worth 1.6¢ each ($288/yr on $6,000 spend)
  2. 2.$50/yr $300 Annual Travel Credit
  3. 3.Citi Travel®

No annual fee

MASTERCARDCore Rate
4.8¢
per dollar on transit
No annual fee
Annual rewards$288
Net annual value$288
4

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles on Transit
2x × 1.9¢/pt = 3.7¢ per dollar

Why this card

  1. 1.Primary Auto Rental Collision Damage Waiver
  2. 2.$240/yr $300 Annual Capital One Travel Credit
  3. 3.Capital One Lounge Access
  4. 4.Priority Pass Lounge Access
  5. 5.Partner Lounge Network
VISA
3.7¢
per dollar on transit
$395/yr
Annual rewards$222
− Annual fee$395
Net annual value-$173
Wells Fargo Autograph Visa Credit Card
5

Wells Fargo Autograph Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Transit
3x × 1.3¢/pt = 3.8¢ per dollar
Up to 4.8¢/$ (1.6¢/pt)via Choice Privileges

Why this card

  1. 1.3x on Transit & Rideshare — points worth 1.3¢ each ($225/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Luxury Hotel Collection
  4. 4.Visa Signature Rental Car Privileges
  5. 5.$5/yr Booking.com Travel Credits
VISACore Rate
3.8¢
per dollar on transit
No annual fee
Annual rewards$225
Net annual value$225
Citi Strata Elite℠ Card
6

Citi Strata Elite℠ Card

Citi

1.5x ThankYou Points on Transit
1.5x × 1.6¢/pt = 2.4¢ per dollar

Why this card

  1. 1.Priority Pass™ Select membership
  2. 2.$150/yr Up to $300 Annual Hotel Benefit
  3. 3.American Airlines Admirals Club® Lounge Access Passes
  4. 4.$72/yr Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit
  5. 5.MasterRental Coverage

$597.50 in credits fully offsets the $595 fee

MASTERCARD
2.4¢
per dollar on transit
$595/yr($597.50 in credits)
Annual rewards$144
+ Credits$597.50
− Annual fee$595
Net annual value$146.50
7

Navy Federal More Rewards American Express®

Navy Federal

3x points on Transit

Why this card

  1. 1.3x on Transit & Rideshare ($180/yr on $6,000 spend)
  2. 2.Car Rental Loss and Damage Insurance

No annual fee

AMEXCore Rate
3.0¢
per dollar on transit
No annual fee
Annual rewards$180
Net annual value$180
Blue Cash Preferred Card from American Express
8

Blue Cash Preferred Card from American Express

Amex

3% cash back on Transit

Why this card

  1. 1.3% cash back on Transit & Rideshare ($180/yr on $6,000 spend)
  2. 2.Car Rental Loss and Damage Insurance
  3. 3.Global Assist Hotline

$84 in credits offset the $95 fee

AMEXCore Rate
3.0¢
per dollar on transit
$95/yr (Y1 waived)($84 in credits)
Annual rewards$180
+ Credits$84
− Annual fee$95
Net annual value$169
Atmos Rewards Ascent Visa Signature Card
9

Atmos Rewards Ascent Visa Signature Card

Bank Of America

2x Atmos Rewards on Transit
2x × 1.1¢/pt = 2.2¢ per dollar

Why this card

  1. 1.2x on Transit & Rideshare — points worth 1.1¢ each ($132.00/yr on $6,000 spend)
  2. 2.Alaska Lounge+ Discount
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Annual Companion Fare
  5. 5.Preferred Boarding
VISACore Rate
2.2¢
per dollar on transit
$95/yr
Annual rewards$132.00
− Annual fee$95
Net annual value$37.00
Amtrak Guest Rewards® Preferred Mastercard®
10

Amtrak Guest Rewards® Preferred Mastercard®

Fnbo

2x points on Transit

Why this card

  1. 1.2x on Transit & Rideshare ($120/yr on $6,000 spend)
  2. 2.Annual Round-Trip Companion Coupon
  3. 3.Annual One-Class Upgrade Certificate
  4. 4.$20/yr Lyft Credits
  5. 5.$15/yr Mastercard Transit Benefit
MASTERCARDCore Rate
2.0¢
per dollar on transit
$99/yr
Annual rewards$120
− Annual fee$99
Net annual value$21
Gemini Credit Card
11

Gemini Credit Card

Genesis Fs

4% cash back on Transit

Why this card

  1. 1.4% cash back on Transit & Rideshare ($168/yr on $6,000 spend)

No annual fee

Your spend ($6,000) is 167% of the $3,600 annual cap

MASTERCARDCore Rate
4.0¢
per dollar on transit
No annual fee
Annual rewards$168
Net annual value$168

Bonus rate on first $300/monthly, then base rate

United Gateway Card
12

United Gateway Card

Chase

2x MileagePlus on Transit
2x × 1.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.2x on Transit & Rideshare — points worth 1.0¢ each ($120/yr on $6,000 spend)
  2. 2.Two checked bags
  3. 3.$25/yr 25% Back on Inflight Purchases
  4. 4.Earn 2 Checked Bag Certificates After $10K Spend
  5. 5.Auto Rental Collision Damage Waiver
VISACore Rate
2.0¢
per dollar on transit
No annual fee
Annual rewards$120
Net annual value$120
World of Hyatt Credit Card
13

World of Hyatt Credit Card

Chase

2x World of Hyatt on Transit
2x × 1.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.2x on Transit & Rideshare — points worth 1.0¢ each ($120/yr on $6,000 spend)
  2. 2.Anniversary Free Night
  3. 3.Bonus Free Night on Spend
  4. 4.World of Hyatt Discoverist Status
  5. 5.5 Tier-Qualifying Night Credits Annually
VISACore Rate
2.0¢
per dollar on transit
$95/yr
Annual rewards$120
− Annual fee$95
Net annual value$25
Citi / AAdvantage Globe Mastercard
14

Citi / AAdvantage Globe Mastercard

Citi

2x AAdvantage on Transit
2x × 1.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.2x on Transit & Rideshare — points worth 1.0¢ each ($120/yr on $6,000 spend)
  2. 2.$144/yr Up to $240 back on Turo
  3. 3.Admirals Club® Globe™ Passes (over $300 in value)
  4. 4.$50/yr Up to $100 back on inflight purchases
  5. 5.$72/yr Up to $120 Global Entry® or TSA PreCheck® application fee credit
MASTERCARDCore Rate
2.0¢
per dollar on transit
$350/yr($50 in credits)
Annual rewards$120
+ Credits$50
− Annual fee$350
Net annual value-$180
Fidelity Rewards Visa Signature Card
15

Fidelity Rewards Visa Signature Card

Elan Financial

2% cash back on Transit

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.$5/yr Booking.com Travel Credits
  4. 4.Visa Signature Travel & Emergency Assistance
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
2.0¢
per dollar on transit
No annual fee
Annual rewards$120
Net annual value$120
BJ's One+™ Mastercard®
16

BJ's One+™ Mastercard®

Capital One

2% cash back on Transit

Why this card

  1. 1.$20/yr Lyft Credits
  2. 2.$15/yr Mastercard Transit Benefit
  3. 3.Mastercard Travel & Lifestyle Services

No annual fee

MASTERCARD
2.0¢
per dollar on transit
No annual fee
Annual rewards$120
Net annual value$120
17

One Key+ Card

Wells Fargo

2% cash back on Transit

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.$20/yr Lyft Credits
  3. 3.$15/yr Mastercard Transit Benefit
  4. 4.Mastercard Travel & Lifestyle Services
  5. 5.Common Carrier Travel Accident Insurance
MASTERCARD
2.0¢
per dollar on transit
$99/yr
Annual rewards$120
− Annual fee$99
Net annual value$21
Alaska Airlines Visa Signature Credit Card
18

Alaska Airlines Visa Signature Credit Card

Bank Of America

2x Atmos Rewards on Transit
2x × 1.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.2x on Transit & Rideshare — points worth 1.0¢ each ($120/yr on $6,000 spend)
  2. 2.$100 off lounge membership
  3. 3.Famous Companion Fare
  4. 4.Free First Checked Bag
  5. 5.Auto Rental Collision Damage Waiver
VISACore Rate
2.0¢
per dollar on transit
$95/yr
Annual rewards$120
− Annual fee$95
Net annual value$25
Chase Sapphire Preferred Card
19

Chase Sapphire Preferred Card

Chase

1x Ultimate Rewards on Transit
1x × 1.8¢/pt = 1.8¢ per dollar

Why this card

  1. 1.Auto Rental Coverage
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Complimentary 4th night at Ennismore Hotel properties
  4. 4.$25/yr $100 Annual Hotel Credit
  5. 5.Visa Signature Rental Car Privileges

$84 in credits offset the $95 fee

VISA
1.8¢
per dollar on transit
$95/yr($84 in credits)
Annual rewards$108
+ Credits$84
− Annual fee$95
Net annual value$97
20

TD Double Up Credit Card

Td Bank

2% cash back on Transit

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.$5/yr Booking.com Travel Credits
  4. 4.Visa Signature Travel & Emergency Assistance
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
2.0¢
per dollar on transit
No annual fee
Annual rewards$120
Net annual value$120
U.S. Bank Smartly Visa Signature Card
21

U.S. Bank Smartly Visa Signature Card

Usbank

2% cash back on Transit

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.$5/yr Booking.com Travel Credits
  4. 4.Visa Signature Travel & Emergency Assistance
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
2.0¢
per dollar on transit
No annual fee
Annual rewards$120
Net annual value$120
22

The Platinum Card from American Express

Amex

1x Membership Rewards on Transit
1x × 1.5¢/pt = 1.5¢ per dollar

Why this card

  1. 1.$300/yr Fine Hotels + Resorts / Hotel Collection Credit
  2. 2.$100/yr Airline Fee Credit
  3. 3.$120/yr Uber Credit
  4. 4.Premium Car Rental Protection (Optional)
  5. 5.$60/yr Uber One Membership Credit

$667.50 in credits offset the $895 fee

AMEX
1.5¢
per dollar on transit
$895/yr($667.50 in credits)
Annual rewards$90
+ Credits$667.50
− Annual fee$895
Net annual value-$137.50
Synchrony Premier Mastercard
23

Synchrony Premier Mastercard

Synchrony

2% cash back on Transit

Why this card

    No annual fee

    MASTERCARD
    2.0¢
    per dollar on transit
    No annual fee
    Annual rewards$120
    Net annual value$120
    Capital One VentureOne Rewards Credit Card
    24

    Capital One VentureOne Rewards Credit Card

    Capital One

    1.25x Venture Miles on Transit
    1.25x × 1.9¢/pt = 2.3¢ per dollar

    Why this card

    1. 1.Mastercard Travel & Lifestyle Services

    No annual fee

    MASTERCARD
    2.3¢
    per dollar on transit
    No annual fee
    Annual rewards$138.75
    Net annual value$138.75
    Bilt Blue Card
    25

    Bilt Blue Card

    Cardless

    1x Bilt Rewards on Transit
    1x × 2.2¢/pt = 2.2¢ per dollar

    Why this card

    1. 1.MasterRental Coverage
    2. 2.Neighborhood Benefits

    No annual fee

    MASTERCARD
    2.2¢
    per dollar on transit
    No annual fee
    Annual rewards$132.00
    Net annual value$132.00
    Bilt Obsidian Card
    26

    Bilt Obsidian Card

    Cardless

    1x Bilt Rewards on Transit
    1x × 2.2¢/pt = 2.2¢ per dollar

    Why this card

    1. 1.$20/yr $100 of Bilt Travel Hotel credit
    2. 2.$20/yr Lyft Credits
    3. 3.MasterRental Coverage
    4. 4.$15/yr Mastercard Transit Benefit
    5. 5.Mastercard Travel & Lifestyle Services
    MASTERCARD
    2.2¢
    per dollar on transit
    $95/yr
    Annual rewards$132.00
    − Annual fee$95
    Net annual value$37.00
    Amazon Visa
    27

    Amazon Visa

    Chase

    2% cash back on Transit

    Why this card

    1. 1.2% cash back on Transit & Rideshare ($120/yr on $6,000 spend)
    2. 2.Auto Rental Collision Damage Waiver
    3. 3.Visa Signature Rental Car Privileges
    4. 4.Travel & Emergency Assistance
    5. 5.$5/yr Booking.com Travel Credits
    VISACore Rate
    2.0¢
    per dollar on transit
    No annual fee
    Annual rewards$120
    Net annual value$120
    Citi Strata Premier Card
    28

    Citi Strata Premier Card

    Citi

    1x ThankYou Points on Transit
    1x × 1.6¢/pt = 1.6¢ per dollar

    Why this card

    1. 1.Lost or Damaged Luggage Insurance
    2. 2.Trip Delay Protection
    3. 3.$60/yr Annual Hotel Savings Benefit
    4. 4.$20/yr Lyft Credits
    5. 5.$15/yr Mastercard Transit Benefit
    MASTERCARD
    1.6¢
    per dollar on transit
    $95/yr
    Annual rewards$96
    − Annual fee$95
    Net annual value$1
    Rakuten American Express Card
    29

    Rakuten American Express Card

    First Electronic Bank

    1% cash back on Transit

    Convertible Cash Back — 1.0–2.0¢/$

    This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

    Why this card

    1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

    No annual fee

    AMEXConvertible
    1.0–2.0¢
    per dollar on transit
    depending on redemption
    No annual fee
    Annual rewards$94
    Net annual value$94
    Navy Federal Visa cashRewards Card
    30

    Navy Federal Visa cashRewards Card

    Navy Federal

    1.5% cash back on Transit

    Why this card

    1. 1.Auto Rental Collision Damage Waiver
    2. 2.Auto Rental Collision Damage Waiver
    3. 3.Visa Signature Rental Car Privileges
    4. 4.$5/yr Booking.com Travel Credits
    5. 5.Visa Signature Travel & Emergency Assistance

    No annual fee

    VISA
    1.5¢
    per dollar on transit
    No annual fee
    Annual rewards$90
    Net annual value$90