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 pre-tax limits are reviewed each year by the IRS. For the most updated information, visit the savings page.


Using your commuter benefits 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. With the NYC Commuter Prepaid Mastercard Unrestricted plan, you will pay an administrative fee of $1.25 per month through payroll deductions. The City of New York will pay an administrative fee of $0.25 cents for the Unrestricted plan and $1.50 for the No Admin Fee Plan that will be added to your taxable earnings as a fringe benefit.

Transit Pass Plan

This plan allows you to arrange for home delivery of your transit provider passes and tickets through the City of New York’s contractor, Edenred Benefits. 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 with your pre-tax and post-tax payroll deductions and you can select a pass on the Edenred’s website using the funds in your account. Edenred 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 allows you to securely supplement purchases on their 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. The City of New York will pay an administrative fee of $1.25 that will be added to your taxable earnings as a fringe benefit each month.

The MTA Annual MetroCard can be replaced if it becomes lost, stolen, damaged, or defective. Replacing your MTA Annual MetroCard is easy. On the Dashboard, simply click on the replacement link. All replacement request made Monday through Friday before 4:00pm ET are processed and mailed out that day. Please allow for 3-5 days to receive your replacement card in the mail. Prior to requesting a replacement card, ensure your delivery address is correct.

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 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’s website using the funds in your account. Edenred will deliver your Access-A-Ride coupons or tickets to your designated mailing address by the 1st day of each calendar month. The City of New York will pay the administrative fee of $2.05 per month for eligible 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 is issued by The Bancorp Bank, N.A., pursuant to license by Mastercard International Incorporated and may not be used everywhere Debit Mastercard is accepted. The Bancorp Bank, N.A.; Member FDIC. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.


1 Metro-North Rail Road and Long Island Rail Road send out their respective monthly tickets. Please make sure that your election on Edenred's 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 is insufficient to purchase your monthly ticket.