MCC 4111 · Local and Suburban Commuter Passenger Transportation · Transportation
For MCC 4111 (Local and Suburban Commuter Passenger Transportation) in Canada, the TD Cash Back Visa Infinite Card gives the highest cashback at 3% (cap: First C$15,000 of annual purchases per category group (grocery; gas & EV; transit; recurring + streaming/digital), then 1%).
Tick the cards you hold to see which one to use here.
Based on published card terms, last checked 2026-09-24. Rates, caps and exclusions change; confirm with your bank before relying on them.
Miles are converted at your mile value; points cards without a published point value are listed separately below.
1.TD Cash Back Visa Infinite Card
Public transit
Local and Suburban Commuter Passenger Transportation, Including Ferries.
Terms checked 2026-09-24 · Issuer terms ·
2.Scotia Momentum Visa Infinite+ Card
Gas stations, EV charging, transit and rideshare
Each accelerated tier (4% and 2%) has its own C$25,000 annual spend limit, resetting every 12 months from the account-opening statement period
Terms checked 2026-09-24 · Issuer terms ·
3.CIBC Dividend Visa Infinite Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
1.CIBC Aventura Visa Infinite Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
2.Scotiabank Gold American Express Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
For MCC 4111 (Local and Suburban Commuter Passenger Transportation) in Canada, the TD Cash Back Visa Infinite Card gives the highest cashback at 3% (cap: First C$15,000 of annual purchases per category group (grocery; gas & EV; transit; recurring + streaming/digital), then 1%).
MCC 4111 is the merchant category code for Local and Suburban Commuter Passenger Transportation (Transportation). Covers local and suburban commuter passenger transportation, including metro, light rail, commuter rail, public buses and ferries operating on regular routes within a metropolitan area. Long-distance passenger rail uses 4112 and intercity bus lines use 4131, while taxis and limousines fall under 4121.
MCC Explorer is independent and not affiliated with any bank. Card rules are summarised from each issuer's published terms; we don't guarantee that a transaction will earn rewards.