Purchase optimizer
Find the best card for a purchase
Browse catalog rules for a category. Program currencies and eligibility differ, so these are not ranked by dollar value. Matching wallet cards are highlighted in your browser.
Cards with listed category rules
Why these cards appear
17 published cards match Transit, the personal and business card filter, and the selected annual-fee limit.
- Results are alphabetical—not a dollar-value ranking.
- The $500 monthly-spend estimate is context only because different reward currencies cannot be compared safely without a value assumption.
- Cards without a reviewed matching rule are omitted, not treated as earning zero.
Listed rates may require a particular hotel brand, booking portal, merchant or enrollment. A larger number is not necessarily a better return. Legacy reward currencies still need review; no automatic dollar ranking is shown.
Calculate value using your reward currency and assumptions →
Chase
Amazon Visa
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
FNBO
Amtrak Guest Rewards Preferred Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Published points per dollar on eligible purchases; redemption value, merchant coding, exclusions, and program terms affect realized value.
Bank of America
Atmos Rewards Ascent Visa Signature Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Published base rate; category definitions, relationship bonuses, caps, and merchant coding may change the return.
American Express
Blue Cash Preferred Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
BMO
BMO Escape Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $150
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $3,000 per quarterly.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Citi
Citi / AAdvantage Globe Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $350
Purchase channel and brand restrictions: confirm with issuer.
Eligible transit and rideshare purchases.
Citi
Citi Strata Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Citi Travel and selectable-category terms apply. Merchant coding, account eligibility and issuer terms apply.
American Express
Delta SkyMiles Platinum Business American Express Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $350
Purchase channel and brand restrictions: confirm with issuer.
Eligible U.S. transit purchases.
American Express
Delta SkyMiles Reserve Business American Express Card
1.50 listed rate · reward currency requires confirmation
Annual fee: $650
Purchase channel and brand restrictions: confirm with issuer.
Eligible U.S. transit, shipping and office-supply purchases after the issuer threshold.
Navy Federal Credit Union
Navy Federal More Rewards American Express
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible transit purchases.
Chase
Prime Visa
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Earns 2% on local transit and commuting, including rideshare.
Chase
Southwest Rapid Rewards Performance Business Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $299
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
United Business Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $150
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
United Gateway Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Wells Fargo
Wells Fargo Attune Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible public transit and EV charging purchases.
Wells Fargo
Wells Fargo Autograph Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
Chase
World of Hyatt Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Earns 2 points per $1 on local transit and commuting.
Estimates are subject to issuer terms, spending caps, enrollment requirements and merchant coding.