Plus: the best credit cards to use at San Francisco Municipal Transportation Agency (Muni) for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
San Francisco Municipal Transportation Agency (Muni) 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.
San Francisco Municipal Transportation Agency (Muni) 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.
San Francisco Municipal Transportation Agency (Muni) 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 San Francisco Municipal Transportation Agency (Muni).
The best credit card at San Francisco Municipal Transportation Agency (Muni) 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.).
San Francisco Municipal Transportation Agency (Muni) uses MCC 4111 (Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.). This means purchases at San Francisco Municipal Transportation Agency (Muni) do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).