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Ranked by reward rate · 2026

Best cards for transit

We compared 69 cards that earn a bonus on transit. Gemini Credit Card leads cash back at 4%. Best on points: Bank OZK Complete Rewards Visa Signature Card at 5×. In the app, mWizard checks these against your wallet and surfaces the single best one — no bank login.

Top cash back for transit

  1. 1 Gemini Credit Card card Gemini Credit Card WebBank · no annual fee capped 4%
  2. 2 Wells Fargo Attune Card card Wells Fargo Attune Card Wells Fargo · no annual fee 4%
  3. 3 AAA Travel Advantage Visa Signature Credit Card card AAA Travel Advantage Visa Signature Credit Card Bread Financial · no annual fee 3%
  4. 4 Blue Cash Preferred Card from American Express card Blue Cash Preferred Card from American Express American Express · $95/yr 3%
  5. 5 Costco Anywhere Visa Card by Citi card Costco Anywhere Visa Card by Citi Citi · no annual fee 3%
  6. 6 Customers Bank World Mastercard card Customers Bank World Mastercard Customers Bank · no annual fee 3%
  7. 7 Mission Lane Gold Line Visa card Mission Lane Gold Line Visa TAB Bank · no annual fee 3%
  8. 8 Affinity Cash Rewards Visa Signature card Affinity Cash Rewards Visa Signature Affinity FCU · no annual fee 2%

Cash back (%) and points (×) are ranked separately — point values vary by program, so they aren't directly comparable. Rates may carry caps, rotating quarters or activation; tap any card for the full breakdown.

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