Is a subway card free?

Cost per swipe: $2.90. A new card costs $1. You can combine time and value on the same MetroCard.



In 2026, most major city subway cards are not free; they typically involve a small purchase fee or a refundable deposit. For example, a new Oyster card in London requires a £7 non-refundable fee, while a physical Suica or Pasmo card in Japan usually requires a 500 yen deposit. In New York City, a new physical MetroCard costs $1.00. However, a high-value peer-to-peer "win" in 2026 is that many cities have transitioned to "contactless" systems like OMNY (NYC) or Standard Contactless (London), where you can simply tap your own credit card or smartphone at the turnstile for free, completely bypassing the need to buy a separate physical transit card. If you do prefer a dedicated card, many cities now offer "Mobile Transit Cards" for free within your Apple or Google Wallet, allowing you to bypass the physical card fee while still enjoying the high-value benefits of a digital-only travel pass.

People Also Ask

Subways and local buses Get free rides after 12 fares within seven days using the same device or contactless card with fare capping. Learn more about how to get free rides with OMNY.

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Purchase and use of this OMNY card constitutes your acceptance of the OMNY Terms of Service and the OMNY Privacy Policy at omny.info/terms-of-service and omny.info/privacy-policy. This OMNY card costs $5 to purchase and must be loaded with a minimum of $1 or a fare product at the time of purchase.

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While a single ride costs $2.90, the Unlimited card saves you money because the more you use it, the cheaper each ride is. If your stay is 30 days or longer, consider a 30-day unlimited card for $127 ($63.50 reduced fare). Important rules that apply to Unlimited MetroCards: It can only be used by 1 person.

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Riding the subway is one of the easiest and most convenient ways to get around the city. For most riders, the subway fare is $2.90. Reduced fares are available for people 65 and older, people with disabilities, and low-income New Yorkers. Learn more about fares.

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Subways and buses Tap to pay your fare with your contactless credit/debit card, smartphone, or OMNY card, or pay with a MetroCard.

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In fact, 88% of the time, OMNY is cheaper than a 30-day MetroCard if I average 10 rides a week. Let's see if we can generalize this to other weekly averages: As you can see, up until I average 11 rides a week, OMNY is usually better. More often than not, I'll save money if I stick with it and skip the Unlimited card.

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Pay for multiple people: Up to four riders can use the same payment method. Tap OMNY or swipe a pay-per-ride MetroCard as each person enters. Tap a contactless card or a digital wallet at OMNY readers to pay the fare.

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Reduced-Fares. Reduced-fare MetroCards and One Metro New York (OMNY) are available for riders who are 65 or older or riders who have qualifying disabilities. The reduced fare is half the base fare.

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You can use cash, credit, or debit cards to make your purchase. New York City subway fares are $2.75 per trip. For visitors staying more than a couple of days you can buy a one week unlimited MetroCard for $33 or an unlimited monthly MetroCard for $127.00.

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Riders who enter the subway system or ride buses without paying the fare are subject to a $50 or $100 fine. Fare evaders are also subject to issuance of a summons; however, MTA officials stated that it is not the MTA's goal to give summonses to fare evaders but to get its riders to pay the appropriate fare.

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An OMNY card works the same as a contactless credit or debit card — all you have to do is tap and go. You can also use an OMNY card to take advantage of our fare capping program. Pay for 12 rides using the same card in a seven-day period and additional rides within the week are free.

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You do not need an OMNY card to tap and pay the fare. Use your own contactless credit, debit, reloadable prepaid card, or a smart phone or device with digital wallet enabled. Just choose your preferred payment method, tap and go!

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Benefits of OMNY include: Free transfers – Use the same card or device for both legs of your trip to get a free transfer. Free trips – Pay for 12 rides using the same card or device in a 7-day period, and all additional rides within the week are free. Learn more here.

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Pay Per Ride MetroCard is nothing but a rechargeable card that will allow you to pay each individual ride at the reduced fare of $2.75 fee. You are free to re-load the Metro Card as many times as you like, plus at any station, you can swipe as many as 4 times back-to-back meaning 4 people can share the same card.

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Tap and go: Pick your payment method
  1. Tap your contactless card. Check if your contactless credit, debit, or reloadable prepaid card has the contactless symbol on the front or back. ...
  2. Tap your phone or smart device. Add a payment card to your digital wallet, then tap your device at an OMNY reader and GO. ...
  3. Tap an OMNY card.


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Maneuver Manhattan's train system like a local Here, Archer Hotel New York's consummate host offers timely tips on navigating the New York City subway (aka train) system like a boss. LOCAL TIP: New Yorkers typically call the subway “trains” (not underground or metro) or by their alpha name (the C or the Q).

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About bus fares OMNY is accepted on all New York City buses. Fares can also be paid with a MetroCard, coins, or SingleRide ticket. Some buses are fare-free: Q70-LaGuardia Link to and from LaGuardia Airport.

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