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PreSwipe  /  Merchants  /  Metro-North Railroad

Does Metro-North Railroad
code as Transit?

Know exactly how your credit card will categorize a purchase at Metro-North Railroad — before you tap.

Codes as expected
VisaMastercardAmexDiscover
MCC Code
4112
Category
Passenger Railways
Reward Category
Transit
Confirmed by
PreSwipe team
Best cards for Metro-North Railroad
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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Frequently asked questions
What MCC code does Metro-North Railroad use?
Metro-North Railroad uses MCC 4112 — Passenger Railways. This is the four-digit Merchant Category Code assigned to Metro-North Railroad by card networks and determines how your purchase is categorized for rewards.
Does Metro-North Railroad count as passenger railways for credit card rewards?
Yes — Metro-North Railroad codes as Passenger Railways (MCC 4112), so purchases here should earn bonus rewards on cards that offer a passenger railways category bonus.
Which credit card earns the most rewards at Metro-North Railroad?
The best card depends on how Metro-North Railroad codes. Since it uses MCC 4112 (Passenger Railways), look for cards that offer bonus rewards in that category. Check the card recommendations above for the top options.