The FutureCard Climate-Friendly Visa Debit Card rewards eco-conscious spending by offering 5% cashback on select sustainable categories, including public transit, electric vehicle (EV) charging, bike shops, and more. Cardholders also earn 6% back with certain health and eco-friendly partners and 1% on all other purchases. As of May 12, 2025, FutureCard has launched a limited-time promotion providing 100% cashback (up to $34 per week) on MTA subway and bus rides through May 15, 2025.
Introduction
First introduced as a prepaid, FDIC-insured Visa debit
offering, FutureCard requires no credit check, no monthly or foreign
transaction fees, and functions via a virtual card number that can be added
to mobile wallets or used online. The card is aimed at consumers seeking to
offset their carbon footprint by rewarding sustainable choices with high
cashback rates and interest-bearing balances (currently 4.10% APY).
Key Features and Cashback Categories
- 5%
cashback on eco-friendly transportation:
- Trains,
buses, subways, metros, light rail, and commuter rail.
- Public
EV charging stations such as Electrify America and EVgo.
- EV
rides with services like Revel, Uber, Lyft, and other rideshares.
- Bike
shops, including e-bike purchases, accessories, and repairs.
- Electric
scooters, mopeds, and bike-share rentals.
- 6%
cashback on select health and eco-friendly partners.
- 1%
cashback on all other purchases.
- 4.10%
APY on daily balances with no minimum balance requirement.
- Referral
program: $15 each for referrer and new member.
How to Earn and Activate Offers
Cardholders can view and activate available offers
within the Future mobile app by tapping the Earn tab and selecting the
“Available Offers” section . Activated purchases automatically earn cashback at the
specified rates and post to the card balance within 24–48 hours .
(Update) 100% Cashback on the MTA Through May 15, 2025
- Offer
period: Starting 4:00 pm ET, May 12, 2025, through 11:59 pm
ET, May 15, 2025 .
- Eligible
transactions: Single MTA subway and bus rides paid via OMNY at New
York City transit turnstiles .
- Cashback
rate: 100% of the fare, up to $34 per week (aligned with OMNY’s
12-ride fare cap) .
- Activation:
Must be activated in the app before taking rides; charges and subsequent
cashback credits appear within 24–48 hours .
- Funding
requirement: The FutureCard must be funded before use on the subway .
Terms and Conditions
- Cashbacks
apply only to purchases made after activation and within the
offer period.
- OMNY’s
weekly cap requires consistent use of the same physical or virtual card;
group rides and passbacks are excluded .
- Standard
Future rewards terms, including exclusions and merchant category
restrictions, remain in force .
- For
full legal details, cardholders are directed to future.green/legal/rewards
.
Impact and Significance
By incentivizing the use of mass transit and electric
mobility, FutureCard’s rewards structure aims to reduce reliance on fossil
fuels, lower urban congestion, and support cleaner transportation. The MTA
promotion, in particular, can help offset commuting costs for thousands
of daily riders during its limited window, showcasing a novel partnership
between fintech and public transit advocates .
Conclusion