MCC 4111: Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation. — Credit Card Bonus Rates
MCC 4111 covers LOCAL/SUBURBAN COMMUTER PASSENGER TRANSPORTATION – RAILROADS, FERIES, LOCAL WATER TRANSPORTATION. merchants, classified under transportation. The top card is Amtrak Guest Rewards Preferred earning 4X. 14 cards earn elevated rewards at these merchants. MCC Lookup Tool to find which cards earn bonus rewards here.
Real-World Examples: MCC 4111 Merchants
Amtrak, Metrolink, and NJ Transit use MCC 4111. Specific purchases include train tickets, ferry rides, and local water transport fares.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 4111 (local/suburban commuter passenger transportation – railroads, feries, local water transportation.). Your card issuer uses this code to determine whether transportation category bonuses apply — so knowing which merchants trigger this code helps you choose the right card before you spend.
MCC 4111 vs Similar Codes
Cardholders often mistake any public transit fare for this category but only railroads, ferries, and local water services are coded here.
This distinction matters because different MCC codes can trigger different bonus rates on your credit card, even for similar types of merchants. Always check your transaction statement to confirm which MCC posted — some card issuers allow you to see the MCC in their app or online portal.
14 Cards That Earn Bonus on MCC 4111
Annual Rewards at MCC 4111 Merchants by Spending Level
How much you earn annually from local/suburban commuter passenger transportation – railroads, feries, local water transportation. spending (MCC 4111), based on effective cashback value after accounting for point valuations:
Calculations assume 100% of spending qualifies at MCC 4111 merchants. Effective value uses current point valuations from our Points Calculator. Annual fee not deducted — see individual card reviews for net value after fee.
Merchants Using MCC 4111
Related MCC Codes
MCC 4111 (Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.) covers 50 merchants in our database. 14 credit cards earn elevated rewards on local/suburban commuter passenger transportation – railroads, feries, local water transportation. transactions. The top earning rate is 4x from the Amtrak Guest Rewards Preferred.
Frequently Asked Questions
What is MCC code 4111? +
MCC 4111 stands for Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the transportation category. Our database tracks 50 merchants with this code.
What types of businesses use MCC 4111? +
Merchants classified under MCC 4111 (Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.) operate in the transportation sector. Card networks assign this code during merchant onboarding based on the primary business activity. Examples include AC Transit, Alameda-Contra Costa Transit, Albuquerque ABQ RIDE, Atlanta MARTA.
Which credit cards earn bonus rewards at MCC 4111 merchants? +
The top cards for MCC 4111 (Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.) are: Amtrak Guest Rewards Preferred (6x); Green (6x); Amtrak Guest Rewards (4x). These cards earn elevated rates specifically in the transportation category. Use our card comparison above to see full bonus rates and annual fees.
How many credit cards earn bonus rewards at MCC 4111 merchants? +
14 credit cards in our database earn elevated rewards on MCC 4111 (Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.) purchases. The top rate is 6x from the Amtrak Guest Rewards Preferred. Use the card grid above to compare all rates and annual fees.
What merchants are classified under MCC 4111? +
MCC 4111 covers 50 merchants in our database, including AC Transit, Alameda-Contra Costa Transit, Albuquerque ABQ RIDE, Atlanta MARTA, and 46 more. All purchases at these merchants post as 'Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.' and trigger transportation category bonus rates on eligible credit cards.
Does AC Transit count as transportation for credit card rewards? +
Yes. AC Transit is classified under MCC 4111 (Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.), which falls in the transportation category. Cards with transportation bonus categories will apply the elevated earn rate — the top option earns 6x at qualifying merchants in this code.
What is the difference between MCC 4111 and MCC 4011? +
MCC 4111 (Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.) and MCC 4011 (Railroads) are both in the transportation category but cover distinct merchant types. MCC 4111 is used for local/suburban commuter passenger transportation – railroads, feries, local water transportation. businesses, while MCC 4011 is assigned to railroads merchants. Both may qualify for the same bonus category on your card — check your card's terms or use our MCC Lookup Tool to confirm.