Best Credit Cards for Transit and Rideshare (2026)
Transit is one of the widest bonus categories: it typically covers rideshare (Uber, Lyft), subways and buses, commuter trains, parking, tolls, and ferries. For city dwellers and commuters, a transit bonus rewards spending that is otherwise easy to overlook.
The best cards earn 2x to 5x on transit, often alongside a dining or travel bonus. We rank by the transit earn rate at a flat 1 cent per point.
Our top picks
1. American Express® Blue Cash Preferred 3x on transit
The American Express® Blue Cash Preferred has a $95 annual fee, plus a welcome offer of $300 statement credit.
- 3% on transit (trains, buses, taxis, rideshare)
2. Navy Federal More Rewards American Express® Card 3x on transit
The Navy Federal More Rewards American Express® Card has no annual fee, plus a welcome offer of 20,000 points ($200).
- 3x points at supermarkets, gas stations, restaurants, food delivery, and transit
3. Citi Strata℠ 3x on transit
The Citi Strata℠ has no annual fee, plus a welcome offer of 20,000 ThankYou® Points ($200 value).
- 3x at supermarkets, on select transit, and at gas and EV charging stations
4. Wells Fargo Autograph℠ 3x on transit
The Wells Fargo Autograph℠ has no annual fee, plus a welcome offer of 20,000 bonus points ($200 value).
- 3x points on restaurants, travel, gas stations and EV charging, transit, streaming, and phone plans
5. American Express® Green 3x on transit
The American Express® Green has a $150 annual fee, plus a welcome offer of 40,000 Membership Rewards® Points.
- 3x Membership Rewards® points on travel (flights, hotels, transit, Uber, Lyft & more)
6. U.S. Bank Smartly™ Visa Signature® 2x on transit
The U.S. Bank Smartly™ Visa Signature® has no annual fee.
7. Fidelity® Rewards Visa Signature® Card 2x on transit
The Fidelity® Rewards Visa Signature® Card has no annual fee.
8. Coinbase One Card 2x on transit
The Coinbase One Card has a $50 annual fee.
Compare the top cards
| Card | Rewards rate | Annual fee | Welcome offer | Details |
|---|---|---|---|---|
| American Express® Blue Cash Preferred | 3x on transit | $95 | $300 statement credit | Review |
| Navy Federal More Rewards American Express® Card | 3x on transit | No annual fee | 20,000 points ($200) | Review |
| Citi Strata℠ | 3x on transit | No annual fee | 20,000 ThankYou® Points ($200 value) | Review |
| Wells Fargo Autograph℠ | 3x on transit | No annual fee | 20,000 bonus points ($200 value) | Review |
| American Express® Green | 3x on transit | $150 | 40,000 Membership Rewards® Points | Review |
| U.S. Bank Smartly™ Visa Signature® | 2x on transit | No annual fee | No current offer | Review |
| Fidelity® Rewards Visa Signature® Card | 2x on transit | No annual fee | No current offer | Review |
| Coinbase One Card | 2x on transit | $50 | No current offer | Review |
Rewards rates and offers verified August 2026. Every point is valued at a flat 1 cent. Run your own numbers in the rewards calculator, and check the best current welcome offers for cards running an elevated bonus right now.
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