1
Best no-fee pick
Chase Freedom Flex
5x rotating quarters when transit is activeUltimate Rewards
Best Credit Cards for Transit
The best cards for subway, bus, rail, and public transit spending.
Subway, bus, rail & public transit
The short answer
Top picks — no annual fee
Keep forever · $0/yrTop picks — with annual fee
Pays for itself if used right1
Best overall
AmEx Green
3x transitMembership Rewards$150/yr
2
Best value
Chase Sapphire Preferred
2x transitUltimate Rewards$95/yr
Honorable mentions
Annual fee
Reward type
2 cards
#1
Prime Visa
No FeeCash Back
2x Transit
- 5x Amazon & Whole Foods (Prime members)
- 3x Amazon & Whole Foods (non-Prime)
- 2x Restaurants
- 2x Gas
- 2x Transit
- 1x everything else
Click to see redemption options
$100 gift card on approval
#2
Navy Federal More Rewards American Express
No FeeLoyalty Points
3x Gas Stations & Transit
- 3x Restaurants & Food Delivery
- 3x Supermarkets
- 3x Gas Stations & Transit
- 1x everything else
Click to see redemption options
20,000 points after $2,000 in 90 days
Not sure which one fits you?
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Take the quiz →Cards listed here are selected from our database based on category earn rates — not sponsored placements. Rotating-category cards (Discover It, Chase Freedom Flex) assume the relevant category is active. Terms and reward rates are subject to change at each issuer's discretion.