1
Best no-fee pick
Amazon Prime Visa
2x on transitAmazon Rewards
Best Credit Cards for Transit
The best cards for subway, bus, rail, and public transit spending.
Subway, bus, rail & public transit
2%
Avg no-fee back
2.7%
Avg with-fee back
3%
Best rate available
$113
Avg with-fee cost/yr
Spend about $17,000/yr in this category for the with-fee pick's extra rate to earn back its annual fee.
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
AmEx Blue Cash Preferred
3x transitReward Dollars$95/yr
3
Also good
Chase Sapphire Preferred
2x transitUltimate Rewards$95/yr
Honorable mentions
Annual fee
Reward type
Card type
Card network
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?
Our free quiz matches you to the right card based on your actual spending, credit score, and goals — in about 2 minutes.
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) are shown at 5x only during a quarter that category is actually active — checked against Chase and Discover's published quarterly calendars. Terms and reward rates are subject to change at each issuer's discretion.
Credit card names, trademarks, and brand assets referenced on this page are the property of their respective issuers. He’s Got a Point is not affiliated with, endorsed by, or sponsored by any card issuer.