My husband commutes on the LIRR and subway daily. His old firm had commuter benefits but his current one doesn’t. Any ideas to minimize the impact? Maybe a travel credit card, etc.? Looked into sapphire reserve (I have preferred and freedom already) but wondering if it’s worth it. Any help appreciated!

Cash App Offers currently has $1 off MTA. Not sure how many times you can take advantage

Sapphire Reserve gives you back $300 but costs $550. Are there other benefits to pay for that cost? Amex Blue Cash preferred gives 3% back on transit purchases and costs $95. 6% back on first 6k grocery purchases can pay the annual fee, but 3% is not a big win