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 Reserve Chase Sapphire Reserve
10X | 17.0 Per Dollar Spent
Earn 10x total points on Lyft rides. Plus, get a complimentary 2-year Lyft Pink All Access membership, including member-exclusive pricing & benefits
Chase Ultimate Rewards »
Point System
JP Morgan Chase »
Bank
$1,009
1st Year Value
60,000
Bonus Points
$4,000
Minimum Spend
1.7¢
Max Point Value
1.7¢
Max Point Value
Chase Sapphire Preferred Chase Sapphire Preferred
5X | 8.0 Per Dollar Spent
Earn 5x points on Lyft rides through March 31, 2025
Chase Ultimate Rewards »
Point System
JP Morgan Chase »
Bank
$1,677
1st Year Value
100,000
Bonus Points
$5,000
Minimum Spend
1.6¢
Max Point Value
1.6¢
Max Point Value
Amex Business Gold Amex Business Gold
4X | 5.6 Per Dollar Spent
Amex Member Rewards »
Point System
American Express »
Bank
$1,237
1st Year Value
100,000
Bonus Points
$15,000
Minimum Spend
1.4¢
Max Point Value
1.4¢
Max Point Value

Our Top Selections for Rideshare and Transit (+)

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

Earn 10x total points on Lyft rides. Plus, get a complimentary 2-year Lyft Pink All Access membership, including member-exclusive pricing & benefits

10x 1.7¢ 17.0¢
Chase Sapphire Preferred Chase Sapphire Preferred

Earn 5x points on Lyft rides through March 31, 2025

5x 1.6¢ 8.0¢
Amex Business Gold Amex Business Gold 4x 1.4¢ 5.6¢
World of Hyatt World of Hyatt

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

2x 1.6¢ 3.2¢
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
Citi American Airlines AAdvantage Executive Citi American Airlines AAdvantage Executive

Car rentals booked through aa.com/cars.

10x 1.4¢ 14.0¢
Capital One Venture X Capital One Venture X

Car rentals purchased through Capital One Travel using this Rewards card account.

10x 1.1¢ 11.0¢
Chase Freedom Unlimited Chase Freedom Unlimited

5% cash back on Lyft rides through March 31, 2025

5x 1.6¢ 8.0¢
Chase Ink Business Preferred Chase Ink Business Preferred

5% cash back on Lyft rides through March 31, 2025

5x 1.6¢ 8.0¢
Chase Ink Business Unlimited Chase Ink Business Unlimited

5% cash back on Lyft rides through March 31, 2025

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 1.0¢ 5.0¢
Citi Custom Cash Citi Custom Cash

Booked on CitiTravel.com through December 30th 2026

4x 1.2¢ 4.8¢
Amex Green Amex Green

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

3x 1.4¢ 4.2¢
Wells Fargo Autograph Wells Fargo Autograph 3x 1.4¢ 4.2¢
Chase Ink Business Premier Chase Ink Business Premier

5% cash back on Lyft rides through March 31, 2025

5x 0.7¢ 3.3¢
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¢
Wells Fargo Active Cash Wells Fargo Active Cash

2% cash back on all purchases

2x 1.4¢ 2.8¢
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

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

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 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¢
Capital One Spark Cash Capital One Spark Cash

2% cash back on all purchases

2x 1.1¢ 2.2¢
Capital One Spark Cash Plus Capital One Spark Cash Plus

2% cash back on all purchases

2x 1.1¢ 2.2¢
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
Capital One Venture X Business  Capital One Venture X Business

Car rentals purchased through Capital One Travel using this Rewards card account.

10x 1.1¢ 11.0¢
Capital One Spark Cash Select Capital One Spark Cash Select

Booked through Capital One

5x 1.1¢ 5.5¢
Capital One Spark Miles Select Capital One Spark Miles Select

Booked through Capital One Travel

5x 1.1¢ 5.5¢
Capital One Venture Rewards Capital One Venture Rewards

Car rentals purchased through Capital One Travel using this Rewards card account.

5x 1.1¢ 5.5¢
Capital One Savor Capital One Savor

Car rentals purchased through Capital One Travel using this Rewards card account.

5x 1.0¢ 5.0¢
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 1.6¢ 3.2¢
Alaska Airlines Alaska Airlines

Includes rideshare, trains, even tolls and ferries.

2x 1.2¢ 2.4¢
Alaska Airlines Business Alaska Airlines Business

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

2x 1.2¢ 2.4¢
Amazon Prime Amazon Prime

Local transit and commuting, including rideshare.

2x 0.7¢ 1.4¢