Commuter Reimbursement Account (CRA)

8f855149939d5c41a473cae7c70aab52.jpg?ixlib=rb 1.1

Help make your morning commute worth your while.

You may be required to commute to your workplace on a day-to-day basis – why not make the journey more convenient and affordable? Commuter reimbursement accounts (CRA) allow you to set aside pre-tax dollars to put towards eligible transportation and parking expenses. These tax-advantaged accounts can help you save up to 30% on your everyday commuting expenses.

Eligible expenses include:

  • Parking expenses
  • Mass transit pass expenses
  • Commuter highway vehicle (vanpool) expenses (limited)

How does it work?

When you choose to participate in your employer-sponsored CRA, you will elect a total dollar amount to contribute to your account, funded in the form of pre-tax payroll deductions on a monthly basis. You can make changes to your monthly election at any time.

Items to note:

  • CRAs are not portable. Should you quit or be terminated from your job, you will immediately lose access to your account funds.
  • Funds left in your CRA at the end of the month will rollover to the following month. If your account balance exceeds your monthly expenses, you may want to consider reducing your monthly election amount.
  • Mass transit funds must be paid using your MyAmeriflex Card. Claim forms may not be submitted for transit expenses.

How much should I contribute?

We recommend taking a look back at your expenses over the last year and making an estimate based on that total.

How much am I allowed to contribute?

The annual limits are set by your employer. However, the IRS has set the following maximums for 2021:

  • $270/month for transit expenses

  • $270/month for parking expenses

Experience a more productive and affordable commute with uberPOOL and Lyft Line.

Thanks to our partnerships with Uber and Lyft, participants in select cities can now use the pre-tax dollars in their Ameriflex CRA to pay for low-cost rideshare services.

Setup is a breeze: once your employer has opted into either the uberPOOL or Lyft Line program(s), all you have to do is load your MyAmeriflex Card information into the relevant app as a payment option. When you're ready to use the service for your commute, just select rideshare as the vehicle option and use your MyAmeriflex Card as the payment option for your trip.

Where are these rideshare programs available? Please refer to the map below for the most up-to-date list of eligible cities. If you don’t see your city, don’t worry — we’re working hard to bring this benefit to commuters and providers coast to coast.

If you live in one of the eligible cities but your employer hasn't opted in to add uberPOOL or Lyft Line to their CRA plan, talk to your Plan Administrator -- opting in is free and easy!

*All claims for uberPOOL and Lyft Line expenses are subject to federal rules regarding qualified transportation benefits (Consult Treas. Reg. 1.132-9 for more information.)

Easily access and manage your CRA funds.

Quickly and conveniently pay for parking and transit expenses with your MyAmeriflex Card. The card will automatically withdraw the funds from your CRA account when you swipe it at eligible merchants.

Convenience and award-winning customer service – right at your fingertips! With the MyAmeriflex Mobile App, you can access your account from anywhere. Check your account balance, right from the subway terminal.

Account management just got easier. By logging into MyAmeriflex, you can gain access to resources aimed at helping you maximize the value of your CRA plan. In addition to managing all aspects of your account, you can also access interactive how-to’s, spending calculators, and more.

Still have questions?

Search our FAQ archive to see if someone else asked first.