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PreSwipe  /  Merchants  /  Chicago CTA

Does Chicago CTA
code as Transit?

Know exactly how your credit card will categorize a purchase at Chicago CTA — before you tap.

Codes as expected
VisaMastercardAmexDiscover
MCC Code
4111
Category
Local / Suburban Commuter Passenger Transportation
Reward Category
Transit
Confirmed by
PreSwipe team
Best cards for Chicago CTA
Chase Freedom Unlimited
5% back on travel via Chase
5% back
Citi Custom Cash
5% back on top spend category (auto)
5% back
Amex Blue Cash Preferred
3% back on transit
3% back
Amex Green
3x MR on travel & transit
3x MR
Chase Sapphire Reserve
3x UR on travel
3x UR
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Uber Black
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Galveston-Houston Ferry (TxDOT)
Transit · MCC 4111
Unexpected
WeGo Public Transit (Nashville)
Transit · MCC 4111
Expected

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Frequently asked questions
What MCC code does Chicago CTA use?
Chicago CTA uses MCC 4111 — Local / Suburban Commuter Passenger Transportation. This is the four-digit Merchant Category Code assigned to Chicago CTA by card networks and determines how your purchase is categorized for rewards.
Does Chicago CTA count as local / suburban commuter passenger transportation for credit card rewards?
Yes — Chicago CTA codes as Local / Suburban Commuter Passenger Transportation (MCC 4111), so purchases here should earn bonus rewards on cards that offer a local / suburban commuter passenger transportation category bonus.
Which credit card earns the most rewards at Chicago CTA?
The best card depends on how Chicago CTA codes. Since it uses MCC 4111 (Local / Suburban Commuter Passenger Transportation), look for cards that offer bonus rewards in that category. Check the card recommendations above for the top options.