7 Best Credit Cards for Transit and Commuters

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Several credit cards offer extra rewards for your expenses, such as transit, rideshares, tolls, and parking. 

Several other cards broadly define travel to include transit and commuting expenses.

Below are our favorite credit cards for transit and commuting expenses.

1. U.S. Bank Cash+® Visa Signature® Card

5% Cash Back in Two Categories

U.S. Bank Cash+® Visa Signature® Card
  • Earn a $200 Bonus After Spending $1,000 in the First 120 Days
  • 5% Cash Back on the First $2,000 in Spending Each Quarter in Two Categories that You Choose
  • 2% Cash Back on one category like Gas Stations and EV Charging Stations, Grocery Stores, or Restaurants
  • No Annual Fee
Learn More

The U.S. Bank Cash+® Visa Signature® Card is a no-annual-fee card offering 5% cash back on:

  • Your first $2,000 in combined purchases each quarter in two categories that you choose.
  • Prepaid air, hotel, and car rental reservations booked directly in Rewards Travel Center.

You have the option to choose two of the following to earn 5% cash back: (1) Fast Food, (2) TV, Internet, and Streaming, (3) Cell Phone Providers, (4) Home Utilities, (5) Department Stores, (6) Electronic Stores, (7) Sporting Good Stores, (8) Movie Theaters, (9) Gyms/Fitness Centers, (10) Furniture Stores, (11) Ground Transportation, and (12) Select Clothing Stores.

You also have the option of choosing to earn 2% cash back for either: (1) grocery stores and grocery delivery, (2) restaurants, or (3) gas stations and EV charging stations. 

All other eligible purchases will earn 1% cash back.

You can also enjoy a valuable 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR applies, currently 16.74% to 26.74%. 

2. Chase Sapphire Reserve

3x Points on Travel (Generally Includes Transit and Commuting)

Chase Sapphire Reserve®
  • Earn 80,000 Ultimate Rewards Points for Spending $4,000 in the First 3 Months
  • $300 Annual Travel Credit
  • 10x Points on Hotels and Rental Cars and 5x Points on Flights Booked Through Chase Ultimate Rewards
  • 3x Points on Dining, Takeout, & Eligible Food Delivery
  • 50% More Redemption Value
  • Priority Pass Airport Lounge Access
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $550 Annual Fee

Click Here to Learn How to Apply

The Chase Sapphire Reserve® is a great option for travelers who want premium perks such as airport lounge access and top-tier travel protections.

The Sapphire Reserve has a $550 annual fee, but you receive an annual easy-to use $300 travel credit and access to 1,300 Priority Pass airport lounges.

Plus, great benefits such as trip delay insurance, primary rental car insurance, trip cancellation insurance, lost luggage reimbursement, purchase and return protection, extended warranty, and no foreign transaction fees.

Cardmembers also earn extra points with 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards, 3x points on travel, dining, and food delivery purchases, and 1x points everywhere else.

You can also cash out points at a 50% bonus (1.5 cents per point) when redeeming points towards travel or transfer the points to Chase’s airline and hotel partners.

3. Citi Custom Cash℠ Card

5% Cash Back in Top Category

5% Cash Back in Top Category
Citi Custom Cash℠ Card
  • Earn $200 Cash Back After Spending $1,500 in the First Six Months
  • 5% Cash Back on Purchases in Your Top Eligible Spend Category Each Billing Cycle up to $500 (1% after that)
  • 0% Intro APR for 15 Months on Purchases and Balance Transfers ($5 or 5% fee). After that, a variable APR of 17.74% – 27.74% applies.
  • No Annual Fee
Learn More Our Review

The Citi Custom Cash℠ Card is a no-annual-fee card that earns 5% cash back in your top spending category each billing cycle.

Eligible 5% cash back categories include restaurants, gas stations, grocery stores, select travel, home improvement stores, drug stores, select transit, select streaming, fitness clubs, and live entertainment.

This allows you to turn the Custom Cash into your 5% cash back card for gas stations, restaurants, grocery stores, or several other categories.

4. Chase Sapphire Preferred

2x Points on Travel (Generally Includes Transit and Commuting)

Great Starter Travel Card
Chase Sapphire Preferred®
  • Earn 60,000 Ultimate Rewards Bonus Points for Spending $4,000 in the First 3 Months
  • 5x Points on Travel Booked Via Chase
  • 3x Points on Dining and Eligible Delivery Services
  • 3x Points on Select Streaming and Online Grocery (excluding Walmart, Target, and Wholesale Clubs)
  • 2x Points on Travel
  • 10% Anniversary Points Boost
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $95 Annual Fee

Click Here to Learn How to Apply

The Chase Sapphire Preferred® Card is one of the best rewards cards for travelers who want solid earning rates for travel and dining expenses. 

For only $95 per year, this card earns 5x Chase Ultimate Rewards points on travel booked through the Chase Ultimate Rewards portal and 3x points on dining, online groceries, and streaming services. 

The Chase Sapphire Preferred offers a 10% anniversary points bonus, 12-month DoorDash DashPass subscription, and a $50 anniversary hotel statement credit. 

Plus, it provides extensive travel protections, including trip delay, primary rental car, baggage, and purchase protection plans. 

5. Blue Cash Preferred® Card from American Express

3% Cash Back on Transit, Rideshare, and Parking

6% Cash Back at U.S. Supermarkets and on U.S. Streaming
Blue Cash Preferred® Card from American Express
  • Earn a $250 Bonus as a Statement Credit After $3,000 in Eligible Purchases in the First 6 Months
  • 6% Cash Back at U.S. Supermarkets (up to $6,000 per year) and on Select U.S. Streaming
  • 3% Cash Back on Transit, Ridesharing, Parking, and at U.S. Gas Stations
  • $0 Intro Annual Fee for the First Year, then $95. (Rates and Fees)
Learn More Our Review
Terms Apply

The Blue Cash Preferred® Card from American Express offers an outstanding 6% cash back rewards for purchases at U.S. supermarkets (up to $6,000 per year) and on U.S. streaming services, making it perfect for anyone who wants to maximize earnings from everyday expenses. 

Plus, the card offers 3% cash back on transit, rideshare, parking, and U.S. gas stations.

The card has a $0 intro annual fee for the first year (then $95 thereafter), but earns 3% cash back at U.S. gas stations and on transit, including rideshare, taxis, buses, trains, and parking. 

6. World of Hyatt Credit Card

2x Points on Local Transit and Commuting

Discoverist Status Plus One Free Night Every Year
World of Hyatt Credit Card
  • Earn Up to 60,000 Points: 30,000 Points for Spending $3,000 in First 3 Months + Up to 30K Points with 2x Bonus Points per $1 in the First 6 Months on Up to $15,000 Spent
  • 4X Points at all Hyatt Hotels
  • 2X Points on Dining, with Airlines, Local Transit, & Gyms
  • One Free Night Each Year (Category 1-4) + Extra Free Night After Spending $15,000 Per Calendar Year
  • Automatic Discoverist Status
  • $95 Annual Fee

Click Here to Learn How to Apply

The World of Hyatt Credit Card is one of the better hotel credit cards that offers 4x points at Hyatt hotels and 2x points in several categories, including at restaurants, airline tickets purchased directly with airlines, local transit, commuting, and fitness clubs.

Plus, you get a free hotel night at a Category 1-4 Hyatt Hotel to offset the $95 annual fee, and you can earn an additional night when you spend $15,000 in a calendar year.

7. U.S. Bank Altitude Reserve

3x Points on Travel

3x Points on Travel and Mobile Wallet
U.S. Bank Altitude® Reserve Visa Infinite® Card
  • Earn 50,000 Points After Spending $4,500 in the First 90 Days
  • 5X Points on Prepaid Hotels and Car Rentals Booked via the Altitude Rewards Center
  • 3X Points on Travel and Mobile Wallet
  • Up to $325 Annual Credits for Travel and Dining
  • Priority Pass Airport Lounge Access
  • Global Entry / TSA PreCheck Credit
  • $400 Annual Fee
Learn More Our Review

The U.S. Bank Altitude® Reserve Visa Infinite® Card is a premium credit card that earns 3x points per dollar on travel and mobile wallet spending (equivalent to 4.5% cash back toward travel).

The 3x points on spending via a mobile wallet is a unique benefit, which can make this card very lucrative if you frequently spend in places where you can pay using Apple Pay/Samsung Pay/Google Pay, such as at Costco, the grocery stores, gas stations/EV charging stations, home improvement stores, etc. 

The card also comes with nice travel protections and Priority Pass airport lounge access.

For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.

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