FutureCard Visa® Debit Card
Earn up to 5%+ cashback on every purchase with the future card your debit card that makes every daily go further from coffee runs to daily commutes. Earn 5%+ cashback* at 50,000+ places, 1% on everything else, plus 4.10% APY³ on your balance.
Card Details
- Type: Visa debit card (not credit). No credit line and no credit check to apply.
- Fees: No annual fee and no account minimums.
- Cashback: 10% on EV charging, bikeshare, and community solar; 5% on energy bills, public transit, secondhand stores, plant‑based dining, and other Future‑approved sustainable brands; 1% on all other eligible purchases. *
- Caps: For rates above 1%, earn up to $25,000 per year at the higher rate; then 1% for the rest of the year. Also $150 per merchant per month at >1%; then 1% at that merchant for the rest of the month. (No caps on the 1% base.)
- APY: 4.10% APY³ on your balance (effective 02/01/2025). Variable; may change. No minimum balance required.
- FDIC insurance: Deposits are FDIC‑insured to $250,000 via Piermont Bank, Member FDIC. Future is not a bank; the card is issued by Piermont Bank.
- App & management: Weekly new offers and limited‑time boosts in the Future app (iOS/Android).
About The Card
FutureCard is for anyone who wants strong everyday cashback on lower‑impact purchases without opening a credit card. You’ll see the biggest earn on transit, energy bills, secondhand shopping, and EV‑related spend, then a steady 1% everywhere else.
The account stays simple: no annual fee or minimums, and your balance earns 4.10% APY. Offers refresh in the app every week, so there are frequent limited‑time boosts you can tap into.
Pros
- Rich earn where most debit cards pay nothing: up to 10% / 5% in boosted categories, 1% elsewhere.
- No credit check, no annual fee, no minimums.
- 4.10% APY³ on balance (variable) and FDIC insurance through Piermont Bank to $250,000.
- Weekly new offers and rotating boosts in the app.
Cons
- Boosted‑rate caps apply: $25k/year at >1% across categories; $150/merchant/month at >1%. After caps, you earn 1%.
- Category‑driven earn: if your spend doesn’t match Future’s sustainable categories, you’ll default to 1% a lot of the time.
- Debit, not credit: no credit‑card‑style welcome bonuses or revolving credit line.
Is this card for me?
Choose FutureCard if you want a fee‑light debit with strong cashback on public transit, energy, secondhand, EV/bikeshare, and plant‑based dining—plus a solid APY on your balance—without a credit check. If you’re chasing big credit‑card sign‑up bonuses or your spend doesn’t line up with these categories, a cash‑back credit card may do more for you.
* Terms apply. See future.green/legal/rewards for details. Future is not a bank. Banking services are provided by Piermont Bank, Member FDIC. The FutureCard Visa® Debit Card is issued by Piermont Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. APY of 4.10% is effective as of 02/01/2025 and is variable; may change after opening.
