Best Credit Card For Rideshare and Transit

You want to maximize the return on your Rideshare and Transit credit card spends. Since not all points are of equal value, we give the best multipliers based on the value of those points.
It costs money to get around. Whether you're paying for tolls and parking -- or for ride-sharing services (Uber and Lyft), cabs, trains and subways -- you can get rewarded by using the right credit card. The (+) version are the cards we recommend based on multiplier and signup bonus. The (-) versions have limitations you should be aware of. One other thing to be aware of in this category are cards that offer ride-share credits as a benefit.
Chase Sapphire Preferred Chase Sapphire Preferred
5X | 8.0 Per Dollar Spent
Earn 5x points on Lyft rides through Sept 30th, 2027
Chase Ultimate Rewards »
Point System
JP Morgan Chase »
Bank
$1,177
1st Year Value
75,000
Bonus Points
$5,000
Minimum Spend
1.6¢
Max Point Value
1.6¢
Max Point Value
Chase Sapphire Reserve Chase Sapphire Reserve
5X | 8.0 Per Dollar Spent
Purchased through the Lyft mobile application through 09/30/2027.
Chase Ultimate Rewards »
Point System
JP Morgan Chase »
Bank
$1,803
1st Year Value
125,000
Bonus Points
$6,000
Minimum Spend
1.6¢
Max Point Value
1.6¢
Max Point Value
Amex Business Gold Amex Business Gold
4X | 6.4 Per Dollar Spent
Each month, Amex auto-selects the top 2 spend categories for 4x points. (Incl: Digital Ads, Software & Hardware, Restaurants, Gas, Transit, Wireless Telephone)
Amex Membership Rewards »
Point System
American Express »
Bank
$1,167
1st Year Value
100,000
Bonus Points
$15,000
Minimum Spend
1.6¢
Max Point Value
1.6¢
Max Point Value

Our Top Selections for Rideshare and Transit (+)

Multiplier Point Value Per $ Spent
Chase Sapphire Preferred Chase Sapphire Preferred

Earn 5x points on Lyft rides through Sept 30th, 2027

5x 1.6¢ 8.0¢
Chase Sapphire Reserve Chase Sapphire Reserve

Purchased through the Lyft mobile application through 09/30/2027.

5x 1.6¢ 8.0¢
Amex Business Gold Amex Business Gold

Each month, Amex auto-selects the top 2 spend categories for 4x points. (Incl: Digital Ads, Software & Hardware, Restaurants, Gas, Transit, Wireless Telephone)

4x 1.6¢ 6.4¢
Bilt Mastercard Bilt Mastercard 3x 1.6¢ 4.8¢
World of Hyatt World of Hyatt

Earn 2 points per $1 spent on local transit and commuting.

2x 1.7¢ 3.4¢
United Business United Business

Includes taxicabs, mass transit, tolls and ride-share services.

2x 1.3¢ 2.6¢

Other Cards with Solid Value for Rideshare and Transit (=)

Multiplier Point Value Per $ Spent
Chase Sapphire Reserve Business Chase Sapphire Reserve Business

Earn 5x total points on Lyft rides

5x 1.6¢ 8.0¢
US Bank Shopper Cash Rewards US Bank Shopper Cash Rewards

If selected as one of two 6x categories quarterly

6x 1.1¢ 6.6¢
US Bank Cash Plus US Bank Cash Plus

If selected as one of two 5x categories quarterly.

5x 1.1¢ 5.5¢
Amex Green Amex Green

from rideshares and subway swipes to monthly tolls and ferry rides.

3x 1.6¢ 4.8¢
Wells Fargo Autograph Wells Fargo Autograph

Includes passenger railway, taxis, limousines, ferries, toll bridges and highways, parking lots, and garages

3x 1.3¢ 3.9¢
Atmos Rewards Ascent Visa Signature Atmos Rewards Ascent Visa Signature

Includes rideshare, trains, even tolls and ferries.

2x 1.6¢ 3.2¢
Atmos Rewards Visa Business Atmos Rewards Visa Business

2 miles for every $1 spent on local transit (including rideshare) purchases

2x 1.6¢ 3.2¢
Amex Blue Cash Preferred Amex Blue Cash Preferred

parking, tolls, ride-sharing, subway, etc.

3x 1.0¢ 3.0¢
Discover It Miles Discover It Miles

1.5x back on statement plus 1.5x matching at the end of year one only

3x 1.0¢ 3.0¢
United Gateway United Gateway

Includes taxicabs, mass transit, tolls and ride-share services.

2x 1.4¢ 2.9¢
Citi AAdvantage Globe Mastercard Citi AAdvantage Globe Mastercard

Including taxis, rideshares, and public transit

2x 1.4¢ 2.8¢
Capital One Spark Cash Business Capital One Spark Cash Business

2% cash back on all purchases

2x 1.3¢ 2.6¢
Southwest Rapid Rewards Performance Business Southwest Rapid Rewards Performance Business

Include passenger trains, buses, taxis, limousines, rideshare, ferries, toll bridges and highways, and parking lots and garages.

2x 1.3¢ 2.6¢
Southwest Rapid Rewards Plus Southwest Rapid Rewards Plus

Until December 31, 2025. Include passenger trains, buses, taxis, limousines, rideshare, ferries, toll bridges and highways, and parking lots and garages.

2x 1.3¢ 2.6¢
Southwest Rapid Rewards Premier Southwest Rapid Rewards Premier

Include passenger trains, buses, taxis, limousines, rideshare, ferries, toll bridges and highways, and parking lots and garages.

2x 1.3¢ 2.6¢
Southwest Rapid Rewards Premier Business Southwest Rapid Rewards Premier Business

Until December 31, 2025, you’ll earn 2 points for each $1 spent on purchases in local transit and commuting

2x 1.3¢ 2.6¢
Southwest Rapid Rewards Priority Southwest Rapid Rewards Priority

Include passenger trains, buses, taxis, limousines, rideshare, ferries, toll bridges and highways, and parking lots and garages.

2x 1.3¢ 2.6¢
United Club United Club

Includes taxicabs, mass transit, tolls and ride-share services.

2x 1.3¢ 2.6¢
United Quest United Quest

Includes taxicabs, mass transit, tolls and ride-share services.

2x 1.3¢ 2.6¢
Wells Fargo Active Cash Wells Fargo Active Cash

2% cash back on all purchases

2x 1.3¢ 2.6¢
Bank of America Premium Rewards Bank of America Premium Rewards 2x 1.0¢ 2.0¢
Bank of America Premium Rewards Elite Bank of America Premium Rewards Elite

Includes operators of passenger trains, buses, taxis, limousines, ferries, boat rentals, parking lots and garages, tolls, and bridge fees

2x 1.0¢ 2.0¢
Citi Double Cash Citi Double Cash

All purchases, earn 1% cash back when you make a purchase and 1% when you pay it off

2x 1.0¢ 2.0¢
Delta SkyMiles Platinum Business Delta SkyMiles Platinum Business 1.5x 1.2¢ 1.8¢
Delta SkyMiles Reserve Business Delta SkyMiles Reserve Business 1.5x 1.2¢ 1.8¢
Bank of America Travel Rewards Bank of America Travel Rewards

On all purchases.

1.5x 1.0¢ 1.5¢
Marriott Bonvoy Bold Marriott Bonvoy Bold 2x 0.7¢ 1.4¢

Cards Offering Some Value for Rideshare and Transit with Limitations (-)

Multiplier Point Value Per $ Spent
Chase Ink Business Cash Chase Ink Business Cash 5x 1.6¢ 8.0¢
Chase Ink Business Preferred Chase Ink Business Preferred 5x 1.6¢ 8.0¢
Chase Ink Business Unlimited Chase Ink Business Unlimited 5x 1.6¢ 8.0¢
Citi Custom Cash Citi Custom Cash

Auto-selects the top spend categories for 5x points. Includes: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment

5x 1.6¢ 8.0¢
World of Hyatt Business World of Hyatt Business

Each quarter, Chase auto-selects the top 3 spend categories for 2x points. (8 categories Incl: Digital Ads, Restaurants, Gas, Shipping, Transit, Car Rental, Airlines & Internet/Phone)

2x 1.7¢ 3.4¢
Chase Freedom Flex Chase Freedom Flex

Purchased through the Lyft mobile application through 09/30/2027

2x 1.6¢ 3.2¢
Chase Freedom Unlimited Chase Freedom Unlimited

5% cash back on Lyft rides through Sept 30, 2027

2x 1.6¢ 3.2¢
Amazon Prime Amazon Prime

Local transit and commuting, including rideshare.

2x 0.8¢ 1.6¢