The best credit card for parking and tolls
On parking and toll charges, Navy Federal Flagship Premier Visa Signature earns the most with no point counted above a cent: $4.00 per $100. Value points in full at the published figures and Chase Ink Business Preferred comes out ahead.
Ranked first with no point or mile counted above a cent, what a dollar of cash back pays. A point the published valuations put lower, as most hotel points are, is counted at that lower figure. Below that, the same cards with points valued in full. Counts as: Garages, meters, E-ZPass.
The short version
- Earns the most: Navy Federal Flagship Premier Visa Signature, $4.00 per $100 (4%), with a $95 annual fee.
- If you value points: Chase Ink Business Preferred comes out ahead, $6.00 per $100 with its points at 2.00¢ each.
- Best with no annual fee: Wells Fargo Autograph, $3.00 per $100 (3x).
- Is the fee worth it? Only if you spend over $9,500 a year on parking and tolls, counting this category alone and no point above a cent. Below that, the free card wins.
Counting no point above a cent
| # | Card | EarnsThe rate the card advertises here, in its own currency: cash back, points or miles. | Point valueWhat one point is counted at in this table: the published valuation, but never more than a cent. | Per $100What $100 of spending earns with no point or mile counted above a cent, what cash back pays. This is what the first table is ranked by. |
|---|---|---|---|---|
| 1 |
Flagship Premier Visa Signature
Navy Federal, $95/yr
Travel however it is booked — airlines, hotels, car rentals, buses, taxis, cruises, parking, rideshare and transit
|
4% | 1.00¢ / pt | $4.00 |
| 2 |
Autograph
Wells Fargo, No annual fee
|
3x | 1.00¢ / pt | $3.00 |
| 3 |
Robinhood Gold Card
Robinhood, $50/yr
Base rate — no bonus category applies here
|
3% | 1.00¢ / pt | $3.00 |
| 4 |
Autograph Journey
Wells Fargo, $95/yr
Travel other than hotels and airlines
|
3x | 1.00¢ / pt | $3.00 |
| 5 |
Blue Cash Preferred
American Express, $95/yr
|
3% | 1.00¢ / pt | $3.00 |
| 6 |
Ink Business Preferred
Chase, $95/yr
Travel and internet, cable and phone — the first $150,000 each account year, shared with shipping and advertising. Up to $150,000 per year, then the base rate
|
3x | 1.00¢ / pt | $3.00 |
| 7 |
Classic Green Card
American Express, $150/yr
Transit — trains, taxis, rideshare, ferries, tolls, parking, buses and subways
|
3x | 1.00¢ / pt | $3.00 |
| 8 |
IHG One Rewards Business
Chase, $200/yr
Travel — through 31 December 2026; from 2027 only airline tickets bought directly and car rentals
|
5x | 0.60¢ / pt | $3.00 |
If you value points
Some points are worth more than a cent if you transfer them to airlines and hotels. Here each rate is multiplied by its currency's full published valuation, the figure in the Point value column. The last column is where the card sat above.
| # | Card | EarnsThe rate the card advertises here, in its own currency: cash back, points or miles. | Point valueWhat one point or mile in this currency is worth, in cents: the median of the published valuations we read. Every ranking multiplies by it. | Per $100What $100 of spending earns, in dollars: the rate multiplied by what the currency is worth. This is what the table is ranked by. | MoveWhere this card sat in the first table, which counts no point above a cent. Up means its full published valuation lifts it. |
|---|---|---|---|---|---|
| 1 |
Ink Business Preferred
Chase, $95/yr
Travel and internet, cable and phone — the first $150,000 each account year, shared with shipping and advertising. Up to $150,000 per year, then the base rate
|
3x | 2.00¢ / pt | $6.00 | Up from 6 |
| 2 |
Classic Green Card
American Express, $150/yr
Transit — trains, taxis, rideshare, ferries, tolls, parking, buses and subways
|
3x | 2.00¢ / pt | $6.00 | Up from 7 |
| 3 |
Autograph
Wells Fargo, No annual fee
|
3x | 1.50¢ / pt | $4.50 | Down from 2 |
| 4 |
Autograph Journey
Wells Fargo, $95/yr
Travel other than hotels and airlines
|
3x | 1.50¢ / pt | $4.50 | Same |
| 5 |
Blue Business Plus
American Express, No annual fee
2x on every purchase, with no bonus categories to track. Up to $50,000 per year, then the base rate
|
2x | 2.00¢ / pt | $4.00 | Up from 12 |
| 6 |
Flagship Premier Visa Signature
Navy Federal, $95/yr
Travel however it is booked — airlines, hotels, car rentals, buses, taxis, cruises, parking, rideshare and transit
|
4% | 1.00¢ / pt | $4.00 | Down from 1 |
| 7 |
Sapphire Preferred
Chase, $95/yr
Travel booked anywhere else
|
2x | 2.00¢ / pt | $4.00 | Up from 21 |
| 8 |
Venture Rewards
Capital One, $95/yr
Base rate — no bonus category applies here
|
2x | 1.80¢ / pt | $3.60 | Up from 22 |
Cards that pay more here with a condition attached
Not ranked above because each needs a chosen category or a specific store. If that fits how you shop, these can beat the table.
- Custom Cash (Citi) — 5x if you choose Parking & Tolls as your category; Up to $500 per billing cycle, then the base rate.
- Cash+ Visa Signature (U.S. Bank) — 5% if you choose Parking & Tolls as one of your categories; Up to $2,000 per quarter, then the base rate.
- Business Gold Card (American Express) — 4x if you choose Parking & Tolls as one of your categories; Up to $150,000 per year, then the base rate.
How to use this list
- Check the store codes as parking and tolls. Issuers pay by how the store is registered, not by what you bought. This page counts: Garages, meters, E-ZPass.
- Start with cards you have. Your highest one in the table is your card for parking and toll charges today.
- Read the notes under each card. A cap or "US only" can change the answer.
- Then consider a new card, judged on your whole year of spending.
Why two rankings
The first table never counts a point above a cent, so no estimate of what a transfer is worth can lift a card there; a point worth less than a cent is still counted at less. The second uses the full published valuation, an estimate with a date on it. If you redeem points for cash or gift cards, trust the first. If you transfer them to airlines and hotels, the second is closer.
Point values: published industry valuations, most recently read 2026-09. We track The Points Guy, Upgraded Points, NerdWallet, Frequent Miler and AwardWallet.