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Best credit card for transit and rideshare

Rideshare and transit bonuses mostly come with travel and everyday-spending cards. Today the top-ranked card for rideshare, taxis and public transit is the American Express Green at 5.1% effective value, and the best with no annual fee is the Citi Strata at 4.8%.

Rates last reviewed between August 5, 2026 and September 30, 2026. Data published October 22, 2026.

Cards with a bonus on transit and rideshare

#CardEarnsEffective valueAnnual feeDetails
1 American Express GreenAmex 3x points 5.1% $150
  • Trains, taxicabs, rideshare, ferries, tolls, parking, buses, and subways.
2 Citi StrataMastercard 3x points 4.8% $0
  • Select transit and gas & EV charging stations.
3 WebBank GeminiMastercard 4% cash back 4% $0
  • 4% back on gas, EV charging, transit, taxis, and rideshare on up to $300 in combined spend per month, then 1% for the r…
4 Wells Fargo AttuneMastercard 4% cash back 4% $0
  • 4% cash rewards on fitness and wellness (gym memberships, exercise classes, salons and spas); select sports, recreation…
5 Chase World of HyattVisa 2x points 3.4% $95
  • Local transit and commuting.
6 Navy Federal Credit Union Navy Federal More Rewards American Express® Credit CardAmex 3x points 3% $0
7 Wells Fargo AutographVisa 3x points 3% $0
  • Unlimited 3X Wells Fargo Rewards points on restaurants, travel, gas, transit, popular streaming services, and phone pla…
8 American Express Blue Cash PreferredAmex 3% cash back 3% $95
  • 3% at U.S. gas stations (stand-alone stations only) and on transit (including taxis/rideshare, parking, tolls, trains, …
9 USAA Eagle Navigator™ Visa Signature® Credit CardVisa 3x points 3% $95
  • Travel and transit, including air, hotel, car and vacation rentals, rideshare, and tolls.
10 Chase United GatewayVisa 2x miles 2.4% $0
  • Local transit and commuting, including rideshare, taxis, tolls, trains, and buses.

For comparison: the best flat-rate cards

These pay the same rate on everything, so they set the bar a bonus card has to beat.

#CardEarnsEffective valueAnnual feeDetails
1 Coastal Community Bank Robinhood Gold CardVisa 3% cash back 3% $0
  • Flat rate on all purchases
2 Alliant Credit Union Alliant Visa® Signature CardVisa 2.5% cash back 2.5% $0
  • Flat rate on all purchases
3 Citi Strata EliteMastercard 1.5x points 2.4% $595
  • Flat rate on all purchases
4 Capital One Venture RewardsVisa 2x miles 2.4% $95
  • Flat rate on all purchases
5 Capital One Venture XVisa 2x miles 2.4% $395
  • Flat rate on all purchases

Effective value is the headline rate times what a point or mile is worth, before annual fees. Points and miles are valued at: American Express 1.7¢, Citi 1.6¢, Chase 1.2¢, Navy Federal Credit Union 1¢, Wells Fargo 1¢, USAA 1¢, Capital One 1.2¢. Cash back counts at face value. Personal cards only; sign-up bonuses, statement credits and other perks are not counted.

What usually counts

  • Rideshare, taxis and public transit such as trains and buses.
  • Some cards also include tolls and parking.

Watch out for

  • Scooter and bike share and airport transfers are treated differently across cards.

Which of your cards wins?

The best card in the world is the best card you actually own. Add your cards to PointMaxxer and see which one to use for transit and rideshare, and every other purchase, in a second. Free, no sign-up, no bank login.

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