How to Lower Your Fare

Tips and links on tax-free transit benefits

Metro Card

Step One: Get With the TransitChek Program

You can lower your transit costs a lot. And you'll never have to wait on line in the subways again.

How? By getting your employer to join any one of several tax-free transit fare programs. Here's how tax-free transit fare benefits work:

You can have up to $255 a month of your salary exempt from all income taxes - as long as the money is used to pay for the cost of getting to work by transit. You don't need to do anything fancy, like itemize your taxes. The money will be automatically set aside and not reported as taxable income on your W-2 form.

The bottom line: You pay less in taxes. This can cut hundreds of dollars a year on your subway, bus or commuter rail costs. Your boss saves as well, because the company gets a similar break on employer taxes.

It’s really convenient. Many employees get their TransitChek MetroCards with their regular paychecks - some even get their MetroCards mailed to them to them.

Step Two: Get More Info

Several companies offer tax-free transit fare benefits. The MTA has compiled a list of providers. You can also learn more about NYC's new commuter benefits law.

Step Three: Talk to Your Employer

There are lots of good reasons your employer or company would want to provide tax-free transit benefits.

For another way to save time and money, find out how to buy MetroCards online and find out which merchants sell them.

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Bronx pols demanding more MTA money for bus service  (New York Daily News, August 13, 2019)
MTA's new fare system OMNY hits millionth tap  (amNY, August 13, 2019)
Advocates ‘honor’ Queens bus routes  (Queens Chronicle, July 25, 2019)
Award-winning buses: Brooklyn buses are least reliable in the city  (Brooklyn Daily Eagle, July 24, 2019)
From Chelsea To LES, The M14A Runs Slower Than A Manatee  (Patch, July 24, 2019)
Manhattan’s 14th Street bus named city’s slowest; Bed Stuy-to-JFK line named least reliable, new study finds  (WPIX11, July 23, 2019)