Commuter Benefits Program Details

We offer a variety of products for your commute that provide all-around savings.

Save money on your commute to work

With commuter benefits, you can use tax-free funds to pay for public transportation such as train, subway, bus, ferry and parking for your daily commute to work. Funds are moved to your account before taxes are deducted, which reduces your overall tax burden.


The monthly tax-free allowable limits are:

Qualified Commuter Transit: $265

Qualified Commuter Parking: $265


Using your Commuter Benefit Solutions Account is as easy as 1-2-3:

  1. Decide how much to contribute towards your commute based on your monthly public transit and/or parking expenses.
  2. Make monthly pre-tax contributions to your account. Funds are moved from your paycheck to your commuter benefits account before taxes are deducted.
  3. Pay for eligible public transit and parking expenses using several no-hassle payment and reimbursement options.

Available Products

NYC Commuter Prepaid Mastercard®

This convenient reloadable prepaid card can be used to pay for transit and parking fees. You will receive one card, which is funded monthly with a specified amount. The NYC Commuter Prepaid Mastercard is accepted at transit agencies, fare vending machines, designated transit retail centers where transit products are sold, and at qualified parking facilities in the New York tri-state area. Use your NYC Commuter Prepaid Mastercard the same way you would use a debit card.

Transit Pass Plan

This plan allows you to arrange for home delivery of your transit provider passes and tickets through the City's contractor, Edenred Commuter Benefit Solutions. You can select from their extensive catalog of transit providers and transit passes covering the New York tri-state area. Click here to see a list of the providers available in the Transit Pass Plan.

In this plan, you fund an account with Edenred Commuter Benefit Solutions with your pre-tax and post-tax payroll deductions and you can select a pass on the Edenred Commuter Benefit Solutions website using the funds in your account. Edenred Commuter Benefit Solutions will deliver your pass or ticket to your designated mailing address by the 1st day of each calendar month, except for Metro-North Rail Road and Long Island Rail Road tickets1.

Edenred Commuter Benefit Solutions allows you to securely supplement purchases on the Edenred Commuter Benefit Solutions website with your personal credit card to ensure you always have enough funds for your election. You can purchase multiple items such as train tickets and MetroCards. With the Transit Pass plan, you will pay an administrative fee of $2.05 per month through payroll deductions.

Annual Transit Card

This card is great for New Yorkers who ride the local bus and subway and who live within the 5 boroughs. As long as you continue to participate in the program, the Annual Transit Card works for one calendar month at a time for up to twelve consecutive months. After each twelve-month period, we’ll automatically send you a brand new card to cover the next twelve months.

Replacement is easy. Just call 833-584-8109 or log into your account to tell us you’ve lost your card. You can choose to have a replacement card mailed to your home or schedule a time to visit our Walk-in Service Center in Midtown. If you request a replacement card by 3:00 PM, your card can be replaced at our Walk-in Service Center that same day.

Access-A-Ride/Paratransit Plan

This plan allows you to participate in the MTA's Access-A-Ride program or other paratransit provider programs. In this plan, you fund an account with Edenred Commuter Benefit Solutions with your pre-tax and post-tax payroll deductions and you can select your Access-A-Ride coupons or other paratransit options on the Edenred Commuter Benefit Solutions website using the funds in your account. Edenred Commuter Benefit Solutions will deliver your Access-A-Ride coupons or tickets to your designated mailing address by the 1st day of each calendar month. The City will pay the administrative fee of $2.05 per month for participants in this plan. Go to the Access-A-Ride page for more details about the Access-A-Ride/Paratransit Plan.

Park-n-Ride Plan

This plan allows you to use your pre-tax and post-tax payroll deductions to pay for parking at or near a public transportation stop or station that you use to get to work. Only transit-related parking is eligible. You must be jointly enrolled in one of the above transit options in order to enroll in this option. You will pay an Administrative Fee of $2.05 per month for Park-n-Ride through payroll deductions. Go to the Park-n-Ride page for more details about the Park-n-Ride plan.

The NYC Commuter Prepaid Mastercard may only be used for qualified commuter benefit purchases in accordance with IRS Tax Code 132(f). NO CASH OR ATM ACCESS. This card may not be used everywhere Debit Mastercard is accepted.

The NYC Commuter Prepaid Mastercard is issued by Central Bank of Kansas City, Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. By accepting, signing or using this Card, you agree to the terms of the Cardholder Agreement. For customer service, call 1-833-584-8109.


1 Metro-North Rail Road and Long Island Rail Road send out their respective monthly tickets. Please make sure that your election on the Edenred Commuter Benefit Solutions site reflects your correct fare or you may not receive your monthly ticket. You can also voluntarily store a credit card with MTA just in case your monthly election with Edenred Commuter Benefit Solutions is insufficient to purchase your monthly ticket.