Commuter Reimbursement Account (CRA)
Save on work-related transit and parking costs
Overview & Eligibility
2026 Contribution Limit:
Parking – $340 per month
Transit – $340 per month
This is the maximum amount that can be contributed to an CRA each month per the IRS.
The Value for Employees
Employees can save up to 40% on qualifying expenses such as transit passes, commuter highway vehicles, and parking expenses.
Every dollar an employee contributes to a CRA lowers their taxable income. For example, if an employee earns $40,000 a year and contributes $270 per month to a CRA, their taxable income is lowered to $36,760.
Employees will receive an Ameriflex Debit Mastercard® linked to their CRA. Employees can use their card for eligible purchases everywhere Mastercard® is accepted. Account information can be securely accessed 24/7 online and through the mobile app.
The Value for Employers
Since contributions to CRAs are taken out pre-tax, no payroll taxes are due on the amounts employees contribute to the CRA.
Helping employees save money on their everyday commuting costs can aid in employee retention and recruitment.
Healthcare is complicated. The Ameriflex Client Relationship Team is eager to answer questions and provide assistance. Our 85+ Net Promoter Score (NPS) far exceeds the healthcare average.
FAQ
What is a Commuter Reimbursement Account (CRA) and how does it work?
A CRA is an employer-sponsored benefit that lets employees use pre-tax dollars for eligible commuting expenses like transit passes, commuter vehicles, and parking. Contributions are taken from paychecks before taxes, lowering taxable income for both employees and employers.
What types of employers can offer a CRA?
Nearly any employer can offer a CRA, regardless of size. There’s no requirement to offer a specific health plan, and employers can set their own eligibility rules for participation.
How does a CRA reduce employer costs?
Because contributions are pre-tax, employers save on FICA payroll taxes. In workplaces with many commuters, especially in urban areas, these savings can add up quickly.
How does a CRA support recruitment and retention?
Commuting costs can be a major expense for employees. A CRA helps offset those costs and can save employees up to 40% on eligible expenses, making it a strong, practical benefit in competitive hiring markets.
How flexible is a CRA for employees?
Employees can adjust their monthly contributions as their commuting needs change. Unlike some benefits, they aren’t locked into a fixed annual election, reducing the risk of unused funds.
How do employees access CRA funds?
Employees use an Ameriflex Debit Mastercard® for eligible transit and parking expenses. They can also track balances and transactions anytime through the Ameriflex portal and mobile app, with integrations for services like SpotHero.