FutureCard** Visa® Debit Card

Earn 100% cashback* on NYC Subways & Buses

New members receive their first week of MTA Subway & Bus rides free*, plus amazing subway rider rewards.

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$5 weekly rider reward

Earn a reward each time you reach OMNY 12-ride fare cap.

5% cashback on all rides

After your first week at 100%, you earn 5% per MTA transaction.

Surprise free days

Stay tuned for periodic FREE transit days sponsored by Future.

$5 weekly rider reward

Earn a reward each time you reach OMNY 12-ride fare cap.

5% cashback on all rides

After your first week at 100%, you earn 5% per MTA transaction.

Surprise free days

Stay tuned for periodic FREE transit days sponsored by Future.
FutureCard Visa® Debit Card
No annual fee
No Credit Check
Just rewards

Earn rewards for taking public transit

With FutureCard, you can earn valuable points every time you tap your card at subway stations, bus terminals, and other transit locations. Points can be redeemed for cash back or from items in our rewards shop.

Apply now for free and get approved in minutes.

Apply now for free and get approved in minutes.

Tons of rewards without fees

Turn everyday purchases into high earning potential with unlimited cashback opportunities.

Big Rewards for Riding Public Transit

FutureCard members earn rewards on public transit, turning everyday commutes into valuable points.

  • 100% cashback on your first week.
  • $5 weekly bonus.
  • 5% cashback after your first week, always.

Turn your grocery list into a payday

FutureCard members save 5% on every grocery run—your everyday essentials, now more affordable. earn rewards on public transit, turning everyday commutes into valuable points.

  • Get your 5% back instantly on grocery purchases.
  • Save at most major chains and local markets alike—from Whole Foods to neighborhood stores.
  • Stack your rewards with store loyalty programs and coupons for bigger savings.

Connect to local solar farms to save 10% on energy costs

Earn 10% back when you pay for Community Solar with FutureCard. When you join a nearby solar farm, you'll receive credits on your regular utility bill—keeping your provider while saving. No panels, no installation, just easy rewards.

  • Keep your utility provider—solar credits appear directly on your current bill.
  • Save on energy costs and get 10% back when paying with FutureCard.
  • Join in minutes online—no equipment or installation needed.

Earn up to 10% cashback on local mobility options

Power up your commute with extra earnings on every ride, charge, and bike or scooter trip. Get rewarded for choosing planet-friendly ways to move around your city with FutureCard.

  • Earn 5% back on EV rides with Revel, Uber, Lyft, and other rideshare services.
  • Save on bike shares across major cities, with 10% back on every rental.
  • Get 10% back at public EV charging stations—from Electrify America to EVgo, and more.
Future's cashback Categories
Community Solar

Save 10% on your energy bills when you link your current utility account to Arcadia and pay with FutureCard. There's no need to switch providers – just connect your existing account and start earning cashback automatically. It's a simple way to reduce your energy costs while keeping your current service.

EV Charging

Power up your EV with 10% cashback at charging stations nationwide! With FutureCard, you'll earn rewards at thousands of stations across the country – from superchargers to local chargers. Hit the road and watch your savings grow with every charge!

Shop Secondhand

Score 5% cashback when you shop second-hand and thrift shops with FutureCard! From vintage finds to pre-loved treasures, you'll earn rewards on every sustainable purchase. Give new life to great pieces while putting money back in your pocket – it's shopping that's smart and stylish!

Plant-based restaurants

Discover the future of food – plant-based meals and restaurants earn you 5% cashback with FutureCard! From vibrant bowls to creative comfort foods, get rewarded for choosing earth-friendly dining. Every delicious plant-based meal puts more savings on your plate!Copy

Public Transit

Save 5% on all your public transit rides when you pay with FutureCard. From buses to trains, subways to ferries, you'll automatically earn cashback with every trip. It's an easy way to make your daily commute more rewarding – just tap and save.

Bikeshare & Scootershare

Earn 10% cashback on bike and scooter shares nationwide with FutureCard! Whether you're cruising on a shared bike or zipping through the city on a scooter, you'll save on every ride. Just tap your card and watch the rewards roll in while you roll on.

1% cashback everywhere else

Earn 1% cashback on all other purchases with FutureCard! Beyond the premium rewards you already get on sustainable spending – like EV charging, transit, and plant-based dining – you'll earn rewards everywhere else you shop. It's the smart way to earn while making a difference.

NYC's first loyalty program for frequent riders is live! On top of 5% cashback on all your daily journeys, unlock $5 each time you hit OMNY's 12-ride cap with FutureCard. The more you ride, the bigger the rewards.

Sign up for Future and get 100% cashback on MTA rides for a week! Just sign up for Future and use your FutureCard** to pay for all of your MTA rides. You'll get 100% cashback* on your first week, and 5% cashback* on each ride thereafter. Plus, $5.80* will be waiting for you in your card balance as a bonus for signing up!Details: You must download the app and successfully sign up for Future anytime after October 21st 12:00am EST to qualify. You will get 7 days of 100% cashback on single rides (OMNY tap-to-pay) on the MTA Subway and local buses when you pay with FutureCard. Your 7-day, or 168-hour, period starts once you've successfully signed up for Future. You must fund your card and initially pay for the rides, and then you will receive 100% cashback on your rides within 24-48 hours of each charge at the turnstile. Cashback will be given in the form of ClimatePoints. 100% cashback is capped at $34 per week, the max. 7-day charge under OMNY's 12-ride fare cap. OMNY's fare cap requires payment with the same physical or virtual card as well as the same device, or the cap won’t correctly apply. Group rides or passbacks don't count towards the cap.

FutureCard Visa® Debit Card
5% cashback and more
No Credit Check
1.75% APY*** on your balance
$5 welcome bonus*
No Annual fee

Smart Choices. Better Rewards.

Get rewarded for every mindful choice. See the impact and earnings of every transaction you make.

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