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This post will help you determine which NYC subway MetroCard is best for you.
We’ll show you where and how to purchase a card, how much to spend, with special tips for tourists and visitors.
Let’s get going!
There are two types of cards to choose from: a Pay-Per-Ride card and an Unlimited Ride card.
With a Pay-Per-Ride card, your card will deduct $2.75 every time you take the subway/bus.
An Unlimited Card costs a flat fee and you can use the subway/bus as many times as you want within a set number of days.
When deciding which card is best, think about how long your trip is and how many times you think you might be taking the subway. Also, consider the number of people in your party.
This card is valid for unlimited subway and bus rides until midnight from the day of first use. You can choose a 7-day unlimited card or a 30-day unlimited.
There is a $1 fee when you purchase a card. *Do not throw away your card when it expires, or you will have to pay $1 again for a new card.
An unlimited 7-Day MetroCard costs $33. See below for what discounts are available.
While a single ride costs $2.75, 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:
You could also listen to our NYC Travel Tips podcast episode on the NYC subway. You can get our podcast wherever you get your podcasts.
In addition to the New York City subway and bus system, both unlimited and pay-per-ride cards can be used on:
When deciding what card to get, ask yourself how many times do you think you will be taking the subway within the number of days you will be here.
Also, take into account the number of people in your party and their ages as there are discounts for seniors and toddlers. (See below).
If you think you will be taking the subway at least 12 times, the Unlimited Card will likely save you money.
If you think you will take the subway just a few times, go for the Pay-Per-Ride card.
Remember that an Unlimited Card can be used only by one person, and you would each have to buy your own unlimited card.
But if you are traveling with several people, it makes sense to buy a Pay-Per-Ride card since up to 4 people can enter the subway with the same card.
The card will deduct $2.75 for each person when you enter.
For families, up to 3 children can ride for free with one paying adult, provided all the children are no more than 44 inches (112 cm) tall.
This policy is good for subways and local buses, no matter which type of Metrocard you choose.
Seniors 65 years+ and also individuals with qualifying disabilities may qualify for reduced fares. See below to learn how Reduced Fare cards work.
TIP: This MetroCard calculator can help you by doing the math for you so you can decide between the two cards described above.
Seniors 65 years+ and also those with qualifying disabilities can get a reduced fare.
Note: To receive a refillable reduced-fare MetroCard, you must submit an application and wait a few weeks to receive it. So unless you plan on staying in NYC for a very long stay, stick with the non-refillable card.
Taxis and Uber
If you like to take taxis, then having a pay-per-ride MetroCard may be your best choice.
You might find that taking a taxi makes more financial sense, especially if you are going short distances.
Not only does a taxi save you time (if there is no traffic), in some cases, a taxi can be cheaper for most trips under 2 miles (3.2 km), especially if you have 3 or 4 people in your group.
MetroCards can be purchased from the vending machines at subway stations and some shops and newsstands around the city.
Check here to see what merchants near you sell MetroCards nearest you.
There is also an online option but this isn’t the best option for tourists and visitors.
The easiest way is to purchase your card at a station from the vending machines.
There are two types of machines pictured here: the larger machines on the right let you pay with cash, credit cards, or ATM/debit cards. The smaller machines are for credit or debit cards only.
Paying with a credit or debit card:
If you pay with your credit card, you will be asked to enter your zipcode after you dip your card. If you do not have an American zip code, you can use 99999 for a zipcode.
Paying with cash:
If you pay with cash and pay with a large bill and not the exact amount, you will receive the difference back but in $1 coins, not bills.
The machine can only return up to $9 in change.
Tip: Always get a receipt in case you lose your card or it does not work.
Here is a step-by-step instructional video.
TIP: A good way to have fun and get an in-person lesson about the subway is to take our Manhattan in One Day Tour.
The MTA website offers translations of their site. Simply look in the lower left-hand corner of the page and you will see an option for Google Translate.
You’ll get an expert lesson on using your card, including how fast to swipe your card through the turnstile.
Swiping too fast or too slow won’t work – you have to find just the right speed!
For certain attractions, theater tickets, and events. Most New Yorkers do not even know this! Click here for what discounts are being offered currently.
Perhaps the best part of riding the subway is the great free musical performances you’ll come across.
Our post on where to find NYC street performers and music in the subway will lead you straight to them!
Other means of traveling around NYC
See which bus tours, cruises, and ferries are included in NYC discount tourist passes.