MCC 4111

What MCC Code Does Denver Regional Transportation District (RTD) Use?

Plus: the best credit cards to use at Denver Regional Transportation District (RTD) for maximum rewards in 2026.

By PointsPick Team, Credit Card Research Team  ·  Updated April 2026

Quick Answer

Denver Regional Transportation District (RTD) uses MCC code 4111 (Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.). The best credit card is the Amtrak Guest Rewards Preferred, earning 4x rewards on this category.

Best Credit Cards at Denver Regional Transportation District (RTD)

Denver Regional Transportation District (RTD) transactions are processed under MCC 4111 (Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation., category: transportation). These cards earn the highest rewards:

Card Earning Rate Annual Fee Issuer
Amtrak Guest Rewards Preferred 4x $99/yr FNBO Apply Now
Altitude Reserve 3x No annual fee U.S. Bank Apply Now
Amtrak Guest Rewards 3x No annual fee FNBO Apply Now
Autograph 3x No annual fee Wells Fargo Apply Now
Blue Cash Preferred 3x $95/yr American Express Apply Now

Rates and fees as of April 2026. Verify with issuer before applying.

Quick Reference

All cards for MCC 4111 Denver Regional Transportation District (RTD) merchant page MCC lookup tool Best credit cards

Frequently Asked Questions

What MCC code does Denver Regional Transportation District (RTD) use?

Denver Regional Transportation District (RTD) uses MCC code 4111, which is classified as "Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.". This determines which credit card bonus categories apply to purchases at Denver Regional Transportation District (RTD).

What is the best credit card to use at Denver Regional Transportation District (RTD)?

The best credit card at Denver Regional Transportation District (RTD) is the Amtrak Guest Rewards Preferred, which earns 4x points/miles on purchases coded as MCC 4111 (Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.).

Does Denver Regional Transportation District (RTD) qualify for grocery credit card bonuses?

Denver Regional Transportation District (RTD) uses MCC 4111 (Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.). This means purchases at Denver Regional Transportation District (RTD) do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).