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The perfect bank cards to your commuting bills

Editor’s be aware: This can be a recurring submit, usually up to date with new info.


Bank cards compete for the highest spot in your pockets by providing high-value bonus multipliers for purchases in varied classes, together with journey, eating and groceries.

However even if you happen to spend the majority of your price range in these classes, you most likely aren’t going grocery buying or shopping for airplane tickets each single day. Not as many playing cards step as much as the plate to supply bonus factors on the one factor a number of us must do each single day: commute to and from work or faculty.

For those who’re seeking to earn bonus factors on this typically unavoidable expense, listed here are the highest playing cards you need to contemplate.

The perfect bank cards for commuting bills

*Valuations are based mostly on TPG’s newest calculations and will not be offered by the bank card issuers.

The knowledge for the Amex Inexperienced, U.S. Financial institution Altitude Reserve and Amtrak Visitor Rewards Most well-liked card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

A more in-depth have a look at the playing cards you need to use for commuting bills

American Categorical® Inexperienced Card

Welcome supply: Earn 40,000 factors after you spend $2,000 on purchases within the first six months from account opening.

Annual charge: $150 (see charges and charges).

WYATT SMITH/THE POINTS GUY

Why we prefer it: Just like the Chase playing cards above, America Categorical defines “journey” fairly broadly because it applies to the Amex Inexperienced card. The cardboard earns priceless Membership Rewards factors, which can be utilized with some nice switch companions. With this card, you’ll earn 3 factors per greenback on journey and transit. You’ll additionally earn 3 factors per greenback at eating places (together with takeout and supply) within the U.S. and 1 level per greenback on all different purchases.

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Three objects add vital worth to the Amex Inexperienced card:

TPG values Membership Rewards factors at 2 cents apiece. Thus, the welcome supply is price $800, and the factors you earn on commuting bills characterize a 6% return on spending.

Learn our American Categorical® Inexperienced Card evaluate for extra particulars.

Chase Sapphire Reserve

Signal-up bonus: Earn 60,000 factors after you spend $4,000 on purchases throughout the first three months of account opening.

Annual charge: $550.

WYATT SMITH/THE POINTS GUY

Why we prefer it: You’re not going to seek out the phrase “commute” wherever within the high-quality print on this card, however the Chase Sapphire Reserve’s beloved 3 factors per greenback on journey purchases will lengthen to your morning commute. Chase defines journey within the broadest method attainable. You’ll earn bonus Final Rewards factors for all the traditional issues like airfare and accommodations, however you’ll additionally earn for ride-hailing providers like Uber, public transit, toll bridges and highways — and even some parking charges.

Chase additionally has a partnership with Lyft by way of March 2025, permitting you to earn 10 factors per greenback spent on these purchases.

This makes the Sapphire Reserve an ideal selection to your day-to-day life and to your holidays as properly. The welcome bonus will jump-start you towards your subsequent tropical getaway. Plus, its annual charge is essentially offset by a $300 annual journey credit score. This credit score is routinely utilized to any eligible purchases you make (although be aware you gained’t earn factors for the journey this credit score reimburses). So that you may even end up getting reimbursed to your commute by Chase if you happen to pay with a Sapphire Reserve.

The Sapphire Reserve additionally gives 10 factors per greenback on lodge and automobile rental purchases booked by way of the Final Rewards Journey portal and 5 factors per greenback on airline journey booked by way of the Final Rewards Journey portal.

Learn our Chase Sapphire Reserve evaluate for extra particulars.


Apply right here: Chase Sapphire Reserve


Amtrak Visitor Rewards Most well-liked Mastercard

Signal-up bonus: Earn 30,000 bonus factors after spending $1,000 on the cardboard throughout the first three billing cycles of account opening.

Annual charge: $99.

THE POINTS GUY

Why we prefer it: Cardholders earn 3 factors per greenback with Amtrak (together with onboard purchases) and a couple of factors per greenback on eating, journey, transit and rideshare purchases. This covers quite a few sorts of transit, and Amtrak factors may be fairly priceless. TPG values Amtrak Visitor Rewards factors at 2.5 cents every.

Moreover, cardholders obtain priceless perks at account opening and on every account anniversary, together with one-class improve awards, a round-trip companion cross and lounge passes. These advantages are on high of an ongoing 5% factors rebate when redeeming with Amtrak Visitor Rewards, waived factors expiration insurance policies and a 20% rebate on onboard meals and beverage purchases. For these whose major transit methodology is by prepare, this may very well be an ideal card to your pockets.


U.S. Financial institution Money+® Visa Signature® Card

Signal-up bonus: Earn a $200 rewards bonus after you apply on-line and spend $1,000 on eligible purchases throughout the first 120 days of account opening.

Annual charge: $0.

THE POINTS GUY

Why we prefer it: The U.S. Financial institution Money+® Visa Signature® Card permits you to select two classes for five% cash-back earnings and one class for two% earnings, whereas all different purchases earn 1% again. Observe that your 5% incomes is capped at $2,000 in spending every quarter on mixed purchases in your two chosen classes, and “Floor Transportation” is among the eligible classes. As long as your spending on that class and your different chosen class doesn’t surpass $2,000 in a given quarter, you’ll earn 5% again on your whole commuting bills.

On condition that there’s no annual charge, you gained’t obtain a number of perks on the Money+ Visa card. Nevertheless, the flexibility to decide on your bonus classes and earn as much as $400 money again in your 5% classes every year (plus limitless earnings within the chosen 2% class and 1% on on a regular basis spending) means this may very well be a powerful earner to your day by day commute.

Learn our Money+ Visa card evaluate for extra card info.


Apply right here: U.S. Financial institution Money+® Visa Signature® Card


Citi Customized Money Card

Signal-up bonus: Earn $200 money again after spending $1,500 on purchases within the first six months from account opening.

Annual charge: $0.

THE POINTS GUY

Why we prefer it: You may earn 5% again in your high spending class every billing cycle with out the necessity to decide on a class prematurely. The good factor about that is which you could earn elevated money again on bills you did not foresee, provided that it applies routinely to whichever class you spent essentially the most cash in throughout that billing cycle. Classes embody journey and transit (separate classes).

Sadly, the 5% incomes price solely applies to the primary $500 spent in that class throughout a billing cycle, then 1% money again after that. For those who’re spending greater than $500 monthly on transit and commuting, this won’t be the proper card for you. For many who spend lower than this, 5% money again with no need to decide on your class prematurely is a superb deal for a card with out an annual charge.

Learn our Citi Customized Money Card evaluate for extra card info.


Apply right here: Citi Customized Money℠ Card


U.S. Financial institution Altitude Reserve Visa Infinite® Card

Signal-up bonus: Earn 50,000 bonus factors after you spend $4,500 on purchases in your first 90 days from account opening.

Annual charge: $199.

a hand holds a credit card
THE POINTS GUY

Why we prefer it: The U.S. Financial institution Altitude Reserve Visa Infinite® Card gives 3 factors per greenback on a broad journey class that features commuting bills. You’ll earn 5 factors per greenback on pay as you go accommodations and automobile leases booked immediately within the Altitude Rewards Middle and three factors per greenback on all purchases made with the Apple Pay, Google Pay and Samsung Pay mobile-wallet techniques. Qualifying mobile-app purchases may be made in a retailer, in app or on-line. Eligible journey purchases embody these made immediately with airways, accommodations, automobile leases, taxicabs, limousines, trains and cruise traces. You’ll earn 1 level per greenback spent on all different purchases.

The Altitude Reserve card additionally has $325 in journey credit every year, which is able to apply routinely to purchases from airways, accommodations, automobile leases, taxis, limousines, trains and cruise traces. Nevertheless, you should be an current U.S. Financial institution buyer to use for this card.

Learn our Altitude Reserve evaluate for extra card info.


Chase Sapphire Most well-liked

Signal-up bonus: Earn 60,000 factors after you spend $4,000 on purchases within the first three months from account opening.

Annual charge: $95.

THE POINTS GUY

Why we prefer it: Just like the Sapphire Reserve above, the Sapphire Most well-liked defines journey within the broadest of phrases and earns priceless Final Rewards factors. With this card, you’ll earn 2 factors per greenback on most journey. You’ll earn 5 factors per greenback on journey bought by way of the Chase journey portal, 3 factors per greenback on choose streaming providers and on-line grocery purchases, 3 factors per greenback on eating and 1 level per greenback on all the pieces. Plus, by way of March 31, 2025, you possibly can earn 5 factors per greenback on Lyft rides.

The Sapphire Most well-liked has sturdy earnings on a broad vary of classes past simply commuting bills, making it an ideal on a regular basis card to your pockets. And the 60,000-point welcome bonus (earned after you spend $4,000 within the first three months of account opening) is price $1,200, in line with TPG’s valuations. Plus, the cardboard additionally has a $50 annual lodge credit score, which offsets greater than half of the annual charge.

Learn our Chase Sapphire Most well-liked evaluate for extra particulars.


Apply right here: Chase Sapphire Most well-liked


Capital One Enterprise Rewards Credit score Card

Signal-up bonus: Earn 75,000 miles after spending $4,000 on the cardboard throughout the first three months of account opening.

Annual charge: $95.

WYATT SMITH/THE POINTS GUY

Why we prefer it: The Capital One Enterprise Rewards Credit score Card earns 2 Capital One miles per greenback on practically all the pieces. The simplicity of that’s the card’s bread and butter. You’ll additionally earn 5 miles per greenback spent on accommodations and automobile leases booked by way of Capital One Journey and 5 miles per greenback spent on automobiles booked by way of Turo (by way of Might 16, 2023).

The Enterprise card additionally gives a number of journey protections and perks like reimbursement to your World Entry or TSA PreCheck utility charge. The cardboard’s dearer sibling — the Capital One Enterprise X Rewards Credit score Card — has extra perks and advantages, however none of these will apply to your day by day commute in a taxi or subway. And you’ll nonetheless earn the identical quantity of factors in your spending, regardless of a a lot greater annual charge. Thus, the Enterprise card is a greater match for this listing.

Learn our Enterprise card evaluate for extra card info.


Apply right here: Capital One Enterprise Rewards Credit score Card


Capital One Enterprise X Rewards Credit score Card

Signal-up bonus: Earn 75,000 miles after spending $4,000 on the cardboard throughout the first three months of account opening.

Annual charge: $395.

THE POINTS GUY

Why we prefer it: Just like the Enterprise card above, the Enterprise X card earns 2 Capital One miles per greenback on practically all the pieces. You may additionally earn 10 miles per greenback on accommodations and rental automobiles booked by way of Capital One Journey and 5 miles per greenback on flights booked on this portal. Plus, you may earn 10 miles per greenback spent on automobiles booked by way of Turo (by way of Might 16, 2023).

The Enterprise X card additionally gives a number of journey protections and perks like reimbursement to your World Entry or TSA PreCheck utility charge, as much as $300 in annual journey credit

Learn our Enterprise X card evaluate for extra card info.


Apply right here: Capital One Enterprise X Rewards Credit score Card


Alaska Airways Visa bank card

Signal-up bonus: Earn 70,000 bonus miles plus Alaska’s Well-known Companion Fare™ from $122 ($99 fare plus taxes and charges from $23) after spend $3,000 on purchases throughout the first 90 days from account opening.

Annual charge: $95.

THE POINTS GUY

Why we prefer it: Latest modifications to the Alaska Airways Visa card noticed the addition of bonus earnings for native transit (together with ride-hailing apps), that means you possibly can earn 2 miles per greenback on this class, in addition to 2 miles per greenback on gasoline, cable and choose streaming providers. You may additionally earn 3 miles per greenback on Alaska Airways purchases and 1 mile per greenback on different purchases.

Alaska Airways miles are essentially the most priceless airline miles in our factors and miles valuations, that means you are incomes a top quality return in your commuting bills. The cardboard additionally gives perks like precedence boarding, a free first checked bag and incomes 10% bonus miles on every buy you probably have qualifying financial institution accounts with Financial institution of America.

Learn our Alaska Airways Visa card evaluate for extra card info.


Apply right here: Alaska Airways Visa bank card


World of Hyatt Credit score Card

Signal-up bonus: Earn as much as 60,000 factors. Earn 30,000 bonus factors after you spend $3,000 on purchases throughout the first three months from account opening. Earn 2 factors per greenback on purchases that sometimes earn 1 level per greenback — as much as $15,000 of those purchases within the first six months from account opening for a complete of as much as 30,000 factors.

Annual charge: $95.

THE POINTS GUY

Why we prefer it: The World of Hyatt Credit score Card gives commuters 2 factors per greenback on all native transit and commuting bills, which is nice whether or not you’re heading to a trip spot or simply heading to work or faculty. Eligible bills embody taxis, mass transit and ride-hailing providers.

The cardboard’s advantages lengthen to your stays at Hyatt as properly. You obtain computerized Discoverist standing, which is nice for vacationers who don’t frequent Hyatt. For vacationers who wish to earn greater elite standing, this card might help you with that, too. You’ll obtain 5 elite evening credit from the cardboard routinely and two extra evening credit for each $5,000 you spend on the cardboard in a calendar 12 months.

In your Hyatt stays, you’ll earn 4 factors per greenback whenever you swipe your card (along with the factors you earn as a World of Hyatt member). And better of all, you’ll obtain a Class 1-4 free evening every year whenever you renew the cardboard. You may earn a second free evening whenever you spend $15,000 on the cardboard in a calendar 12 months.

Learn our World of Hyatt Card evaluate for extra card info.


Apply right here: World of Hyatt Credit score Card


World of Hyatt Enterprise Credit score Card

Signal-up bonus: Earn 60,000 bonus factors after you spend $5,000 on purchases in your first three months from account opening.

Annual charge: $199.

THE POINTS GUY

Why we prefer it: The World of Hyatt Enterprise Credit score Card gives 2 factors per greenback within the enterprise classes the place you spend essentially the most every quarter. This is applicable to the three classes the place you spend essentially the most by way of the top of 2023. Nevertheless, beginning in 2024, you earn 2 factors per greenback within the two classes the place you spend essentially the most every quarter. “Native transit and commuting” is among the eligible classes, and there’s no restrict to the variety of factors you possibly can earn on this class.

Past this bonus class, cardmembers additionally earn 4 factors per greenback spent at Hyatt accommodations, at collaborating Small Luxurious Accommodations of the World and on eligible Lindblad Expeditions. Moreover, cardmembers earn 2 factors per greenback spent on health membership and fitness center memberships, and also you’ll additionally earn 2 factors per greenback on Discover experiences (nevertheless, if you buy these at a Hyatt property, you’ll earn 4 factors per greenback spent). All different purchases earn 1 level per greenback spent.

Together with computerized Discoverist standing (the bottom tier with World of Hyatt), it’s also possible to spend your method towards standing. You’ll earn 5 nights’ price of keep credit for every $10,000 spent on the cardboard. You too can obtain as much as $100 in credit for Hyatt spending every year and unlock a ten% factors rebate by spending $50,000 on the cardboard in a calendar 12 months.

Learn our World of Hyatt Enterprise Card evaluate for extra card info.


Apply right here: World of Hyatt Enterprise Credit score Card


Blue Money Most well-liked Card from American Categorical

Welcome bonus: Earn $250 money again (as a press release credit score) after spending $3,000 on purchases within the first six months of card membership.

Annual charge: $0 introductory annual charge, then $95 (see charges and charges).

THE POINTS GUY

Why we prefer it: You may earn 3% again on transit, which incorporates taxis, ride-hailing apps, parking, tolls, trains, buses and extra. You may additionally earn 6% again on as much as $6,000 of purchases at U.S. supermarkets every year (then 1% again), 6% again on U.S. streaming subscriptions, 3% again at U.S. gasoline stations and 1% again on different purchases.

On condition that the transit class is outlined very broadly and would not have annual incomes / spending limits, this card is a superb choice for individuals who use a number of types of transportation and do not wish to pay a excessive annual charge.

Learn our Blue Money Most well-liked Card evaluate for extra card info.


Apply right here: Blue Money Most well-liked Card from American Categorical


Financial institution of America® Premium Rewards® bank card

Signal-up bonus: 50,000 bonus factors after you make at the least $3,000 in purchases within the first 90 days of account opening.

Annual charge: $95.

THE POINTS GUY

Why we prefer it: The Financial institution of America® Premium Rewards® bank card earns 2 factors per greenback on journey and eating plus 1.5 factors per greenback on all the pieces else. Factors are price a flat 1 cent apiece. These numbers alone will not be spectacular and don’t advantage a spot on our listing of the very best playing cards for commuting. The rationale this card enters the listing is for individuals who can maximize the Financial institution of America Most well-liked Rewards program. Relying in your tier in Most well-liked Rewards, you can earn as much as 3.5 factors per greenback on journey with this card, which incorporates commuting bills.

The Premium Rewards card additionally gives an annual $100 airline incidental credit score, World Entry or TSA PreCheck utility charge reimbursement, varied journey protections and buy safety.

Learn our Premium Rewards card evaluate for extra card info.


Apply right here: Financial institution of America® Premium Rewards® bank card





What in case your commute is a drive?

After all, the playing cards talked about above are primarily geared towards transit purchases. In smaller cities (or for these with out public transportation choices), it’s possible you’ll end up driving to work or faculty. In that case, it’s possible you’ll be higher off deciding on a bank card that’s nice for gasoline purchases. Whereas this gained’t assist with transit purchases, it may very well be an ideal choice for filling up your tank.

Associated: 5 methods to save lots of on the pump

Backside line

Commuting to and from work could make a protracted day even longer. When you can’t lower your commute time by carrying the proper bank cards, you will get an excellent quantity of factors or money again on transit bills. A number of the playing cards with the very best “journey” bonus classes embody very broad definitions that can cowl your morning commute, regardless of what number of wheels are on the automobile serving to you get there.

Further reporting by Ethan Steinberg.

For charges and charges of the Amex Inexperienced card, click on right here.
For charges and charges of the Blue Money Most well-liked card, click on right here.

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