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Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.
Confirmed via network classification
Quick Answer
AC Transit is classified under MCC 4111 (Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.). The best card for AC Transit purchases is the Amtrak Guest Rewards Preferred ($99/yr annual fee), earning 4x on local/suburban commuter passenger transportation – railroads, feries, local water transportation. — an effective return of 6.00%.
MCC 4111 covers local transportation like AC Transit, making it a great fit for travel rewards cards which often offer high earning rates on public transit.
Pro Tip
Consider setting up automatic fare payments for consistent high rewards on your travel credit card.
Spending Math
If you spend $200 monthly at AC Transit with the Amtrak Guest Rewards Preferred card (4x points), you earn $8.00/month or $96.00/year, compared to just $24.00/year from a basic 1% cash back card.
When you pay at AC Transit at their locations, your card issuer sees MCC 4111 in the transaction data. This code tells your bank that the purchase was made at a local/suburban commuter passenger transportation – railroads, feries, local water transportation. merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "local/suburban commuter passenger transportation – railroads, feries, local water transportation." purchases, AC Transit transactions will qualify — even if your card terms only mention a category name and not AC Transit specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any AC Transit transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 4111 qualifies for bonus rewards.
About MCC 4111: Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.
Merchant Category Code 4111 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation. industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 4111, all qualifying card programs that include local/suburban commuter passenger transportation – railroads, feries, local water transportation. as a bonus category will apply the elevated earn rate.
The Transportation industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation. Merchants (MCC 4111)
Spending $200/month at AC Transit with the Amtrak Guest Rewards Preferred (4x on local/suburban commuter passenger transportation – railroads, feries, local water transportation.) earns approximately $96/year in rewards. A basic 1% card earns $24 on the same spending. After the $99 annual fee, that is $-3 more per year.
Prefer no annual fee? The Autograph earns 3x at AC Transit merchants, earning $72/year with no annual fee.
Frequently Asked Questions
What MCC code does AC Transit use?
AC Transit uses MCC 4111 (Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.). Our top pick for this MCC is the Amtrak Guest Rewards Preferred, which earns 4x (6.00% effective return) on local/suburban commuter passenger transportation – railroads, feries, local water transportation. purchases.
How much can I earn at AC Transit with the right credit card?
Spending $200/month ($2400/year) at AC Transit with the Amtrak Guest Rewards Preferred ($99/yr annual fee) earns approximately $96/year at 4x. A basic 1% card earns $24 on the same spending — that is $72 more per year with the right card.
Is AC Transit classified as local/suburban commuter passenger transportation – railroads, feries, local water transportation. for credit card rewards?
Yes. AC Transit is classified under MCC 4111 (Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.) by Visa and Mastercard. Cards that list 'local/suburban commuter passenger transportation – railroads, feries, local water transportation.' as a bonus category — such as the Amtrak Guest Rewards Preferred — will apply the elevated earn rate at AC Transit.
Does my credit card earn bonus rewards at AC Transit?
If your card includes local/suburban commuter passenger transportation – railroads, feries, local water transportation. in its bonus categories, then yes — AC Transit's MCC 4111 typically qualifies. The Amtrak Guest Rewards Preferred earns 4x here. Check your card's app or call your issuer to confirm your specific card's category mapping.
What other stores are in the same category as AC Transit (MCC 4111)?
MCC 4111 (Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.) is shared by many similar businesses. Other stores in this category include: Alameda-Contra Costa Transit, Albuquerque ABQ RIDE, Atlanta MARTA, Austin Capital Metro. The same credit card bonus rate applies at all of these merchants.
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Full disclosure
MCC data based on card network classification standards.
Rankings verified monthly from official card issuer terms.
Last verified: April 26, 2026.
Full methodology: www.pointspick.com/methodology.
