MCC 4112 · Passenger Railways · Transportation
For MCC 4112 (Passenger Railways) in the United States, the Bank of America Customized Cash Rewards Credit Card gives the highest cashback at 3% (cap: 2% and 3% categories combined: first $2,500 in net purchases per calendar quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec), then 1%).
Tick the cards you hold to see which one to use here.
Based on published card terms, last checked 2026-09-30. 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.Capital One Venture Rewards Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
1.Bank of America Customized Cash Rewards Credit Card
Choice category: Travel
MCCs listed in the program rules: airlines 3000-3350 and 4511, car rental 3351-3500 and 7512, hotels 3501-3999 and 7011, plus commuter transport/ferries, rail, taxis/rideshare, buses, cruises, boat rentals, airports, travel agencies, tolls, parking, timeshares, campgrounds, RV/truck rentals, tourist attractions, amusement parks, aquariums/zoos and recreation services. Only one choice category active at a time (default Gas & EV charging); it can be changed once per calendar month via Online/Mobile Banking. BofA Rewards / Preferred Rewards members earn 10%-75% more (e.g. 3% becomes up to 5.25%).
Terms checked 2026-09-30 · Issuer terms ·
3.Wells Fargo Active Cash Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
5.Blue Cash Everyday Card from American Express
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
6.Blue Cash Preferred Card from American Express
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
7.Capital One Savor Cash Rewards Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
11.U.S. Bank Cash+ Visa Signature Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
1.Wells Fargo Autograph Card
Transit (ferries, parking, limousines, taxis, passenger rail, tolls)
Terms list Ferries, Parking lots and garages, Limousines, Taxis, Passenger railway, Toll bridges and highways. Rideshare apps typically code 4121. Wells Fargo terms define the category by Visa merchant category names (not numeric codes); MCCs here are the Visa codes whose official titles match those names. Wells Fargo reserves the right to decide which purchases qualify; third-party payment accounts, mobile card readers and online marketplaces may not earn the bonus.
Terms checked 2026-09-30 · Issuer terms ·
2.American Express Gold Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
3.Chase Sapphire Preferred Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
For MCC 4112 (Passenger Railways) in the United States, the Bank of America Customized Cash Rewards Credit Card gives the highest cashback at 3% (cap: 2% and 3% categories combined: first $2,500 in net purchases per calendar quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec), then 1%).
MCC 4112 is the merchant category code for Passenger Railways (Transportation). MCC 4112 covers passenger railways, including intercity and long-distance rail operators and railway ticket sales. It is often confused with 4111 (local and suburban commuter passenger transportation), which many metro, subway, and urban transit systems use. Which code a rail operator uses depends on whether it is classified as intercity rail or local commuter transport.
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.