Advertiser Disclosure — This site may receive compensation when you click links and apply for credit cards. Compensation may impact which products appear and their placement. We strive to provide accurate information but cannot guarantee all details are current. Full disclosure
Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.
Confirmed via network classification
Quick Answer
San Antonio VIA Metro is classified under MCC 4111 (Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.). The best card for San Antonio VIA Metro 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 San Antonio VIA Metro, which is great for travel rewards enthusiasts since many travel cards cover this category.
Pro Tip
Link your VIA Metro membership directly to your travel rewards card for seamless point accumulation.
When you pay at San Antonio VIA Metro 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, San Antonio VIA Metro transactions will qualify — even if your card terms only mention a category name and not San Antonio VIA Metro specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any San Antonio VIA Metro 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 San Antonio VIA Metro 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 San Antonio VIA Metro merchants, earning $72/year with no annual fee.
Frequently Asked Questions
What MCC code does San Antonio VIA Metro use?
San Antonio VIA Metro uses MCC 4111 (Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.). This code is assigned by card networks and determines which bonus reward categories apply when you pay at San Antonio VIA Metro.
Which credit card earns the most rewards at San Antonio VIA Metro?
The Amtrak Guest Rewards Preferred earns 4x on local/suburban commuter passenger transportation – railroads, feries, local water transportation. purchases (MCC 4111), making it the highest-earning option at San Antonio VIA Metro among the cards we track.
Does my card earn bonus rewards at San Antonio VIA Metro?
It depends on your card's bonus categories. If your card earns bonus rewards on local/suburban commuter passenger transportation – railroads, feries, local water transportation. purchases, San Antonio VIA Metro transactions (MCC 4111) will typically qualify. Check your card's terms or app, or call your issuer to confirm.
Is San Antonio VIA Metro classified as local/suburban commuter passenger transportation – railroads, feries, local water transportation. for credit card purposes?
Yes. San Antonio VIA Metro is classified under MCC 4111, which falls in the Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation. category. This means cards with local/suburban commuter passenger transportation – railroads, feries, local water transportation. bonus categories will apply the elevated earn rate at San Antonio VIA Metro.
What is MCC 4111 and what merchants use it?
MCC 4111 stands for Local/Suburban Commuter Passenger Transportation – Railroads, Feries, Local Water Transportation.. It is assigned to businesses that primarily operate in local commuter transportation. Besides San Antonio VIA Metro, other merchants in the same MCC include similar businesses in the transportation industry group.
PointsPick may earn a commission when you apply through our links.
Full disclosure
MCC data based on card network classification standards.
Rankings verified monthly from official card issuer terms.
Last verified: April 04, 2026.
Full methodology: www.pointspick.com/methodology.
