Mastercard Extends $2.50 Public Transit Credit Through 2027

Updated: November 19, 2025, 8:06pm CST

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Mastercard Public Transit Benefit
Final Thoughts

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If you commute via public transit to work or enjoy saving on transportation when exploring a new city, you can now score free rides for an additional 2 years.

After expanding its Public Transit Benefit to 7 major cities, Mastercard cardholders can now receive a $2.50 statement credit each month on eligible purchases through December 31, 2027.

No registration is needed, so let’s take a look at the details.

Mastercard Public Transit Benefit

The Mastercard Public Transit Benefit is available to U.S. Mastercard credit and debit cardholders, as well as select prepaid cardholders. After spending $10 or more at the point of entry within a participating public transit system, cardholders can receive a $2.50 statement credit each calendar month through December 31, 2027.

Depending on which city you are visiting, not all forms of public transportation will qualify for the statement credit.

Participating public transit systems currently include:

Boston, Massachusetts: Massachusetts Bay Transportation Authority (MBTA) bus or subway
Chicago, Illinois: Chicago Transit Authority (CTA) bus, rail, train, and Pace Suburban Bus
Dallas, Texas: Dallas Area Rapid Transit (DART) bus, rail, train
Miami-Dade County, Florida: Miami-Dade County Department of Transportation and Public Works (DTPW) bus, subway, or metrorail
New York/New Jersey: Port Authority Trans-Hudson (PATH) rail and New Jersey Transit Corporation (NJ Transit) light rail
Philadelphia, Pennsylvania: Southeastern Pennsylvania Transportation Authority (SEPTA) bus, subway, or metro
Washington, D.C.: Washington Metropolitan Area Transit Authority (WMATA) bus and subway

Payments must be made using contactless payment via a digital wallet or by tapping the physical card. Statement credits will appear as a refund line item within 60 days of purchase.

Since many of our favorite travel cards carry the Mastercard logo, this is a great way to save on public transportation through the end of the year — especially for families with multiple cards.

Hot Tip:

Add your cards to Apple Pay or Google Pay so you can easily rotate them after you hit the $10 minimum.

Final Thoughts

If you use public transit to get to work, your commute just got more affordable. The Mastercard Public Transit Benefit has been extended all the way through 2027, so you have more than 2 years of savings ahead of you — for no extra work.

Just be sure to tap your card or digital wallet for at least $10 per month to trigger the $2.50 statement credit.