TERRBLE ENDING
I used to love this app and I expected it to take a bit while they switched banks, but suddenly they announced they're shutting down. No real explanation either. Screw these people.
STOLE MY MONEY
DO NOT DOWNLOAD. SCAM APP. They literally stole over $200 from me. They said they were making improvements to the app and would send leftover funds via mail and that was on APRIL 29. No money received. I don’t even know what to do, this is crazy. The app seemed very normal before this
Worst Ever
Do not fall for this card. They keep changing their policies and now they are closing current accounts because they are changing to a different bank.
Was great but now it’s useless
been using it for about a year. The card and the benefits were great but now everything that’s even worth the time is behind a paywall. One of the things that I liked about the card were the cashback benefits on public transportation but now I need a membership to access that??? a membership for what??? to use a card??? also the store where you can redeem your points have been down for months and there’s no update when it’s going to be back up. I’ve been hoarding like 20,000 points and I don’t want to redeem it because some of the rewards were actually good.
just useless, not worth the time or the effort to switch things over.
just useless, not worth the time or the effort to switch things over.
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Transferring to another bank
In this day and age transfers from bank to bank are instant and easy. Future doesn’t participate with that school of practice and makes you wait until the next business day. And that is if the other bank posts it the next business day. Future I am closing my account for this simple reason.
Bad support
I would stay away from this product. I can’t trust them the way I want to trust a financial institution.
Applied and no answer after a month
Nothing
Superb before, now just meh
It really was a great service that offset waste with some reward and benefits. Now it’s requires a monthly subscription to earn anything from it. No longer worth even having the card.
Emphasis on subscription
I understand money needs to be made but this is a money saving app, so for most people it doesn’t make sense to purchase a subscription. I like the app a lot but I think there should be at least 1 cashback opportunity for free users monthly. How can I recommend future card to people for money saving if all the benefits are subscription based?
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Incorrect statements
The statements are routinely missing transactions posted towards the end of the month. After multiple chats with the support the issue is still unresolved. I need to have a correct statement to use as a proof of payment. The support ignores my messages and keeps resending me the same incorrect statement.
I would stay away from this product. This level of incompetence is simply unacceptable when it comes to financial transactions.
I would stay away from this product. This level of incompetence is simply unacceptable when it comes to financial transactions.
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Unauthorized charges
This app gave me a horrible experience. On several occasions, I received random notifications stating that my Future card was used for MTA rides. At first, I ignored them, assuming the payments were simply processing late. However, I hadn’t used my Future card for almost a week when, suddenly, in the middle of the night while I was asleep, an unauthorized transaction drained the remaining balance on my card. Like, who else has access to my card? Or is this company a scam and stealing money like this with this method?
I contacted customer support and requested to cancel my account, explaining these ongoing issues, but the staff were cold and unhelpful. They closed my account as requested and merely said they would “keep a note on file,” showing no real concern or effort to resolve the issue. This was extremely frustrating and infuriating. My family and I will never download or use this app again. We can’t afford to keep losing money or wasting time dealing with people who don’t try to resolve problems. Beware.
I contacted customer support and requested to cancel my account, explaining these ongoing issues, but the staff were cold and unhelpful. They closed my account as requested and merely said they would “keep a note on file,” showing no real concern or effort to resolve the issue. This was extremely frustrating and infuriating. My family and I will never download or use this app again. We can’t afford to keep losing money or wasting time dealing with people who don’t try to resolve problems. Beware.
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Good rewards but takes a lot of leg work
Good rewards - especially if you have an EV. BUT I need to contact customer support constantly because they don’t automatically apply the correct points to certain vendors that aren’t on their list.
Update : since I last wrote the review they changed the model so you have to pay an annual fee to get most of the rewards. Not worth the effort. I’d probably come out about even but would have to be contacting customer support all the time.
Update : since I last wrote the review they changed the model so you have to pay an annual fee to get most of the rewards. Not worth the effort. I’d probably come out about even but would have to be contacting customer support all the time.
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horrible customer service
paying the premium to get full value out of the card doesn’t make sense when the customer service is nonexistent
Customer service sucks
You money on card then they lock it so you can’t use it
Used to be Great
Future used to be my number one platform for purchase. Their rebates and cashback were incredible and higher than anywhere else. I saved a lot of money with them which helped so much when bills were going up. Everything went down with the new Future Pass which. Not only do you have to pay $100 a year to keep the previous benefits, but now every benefit has a low monthly cap. Most upsetting, however, is that Future’s entire mission used to be around making green choices affordable. Cashback used to be limited to actually sustainable and climate footprint reducing options. Now you can get cashback in any categories from regular grocery purchases to phone bills. How does that incentivize greener choices?
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Nice rewards
I put the money for my utilities on it and set up automatic pay to them through the future card. 3% back on my electric bill makes for a nice little discount. I’m going to keep going and see where else I can save some money.
All good perks hidden behind paywall and support is nonexistent
DONT sign up for this. With the new paywall, all the perks you were probably hoping to get are not worth it. But even worse, service is basically nonexistent and you can’t cancel your account without contacting them. Even when you finally get someone to respond on chat, they’ll keep asking additional questions and leave you hanging for days instead of actually going ahead and canceling your account. They also have a phone number for “any pressing issues” (literally what’s written on their support page) but if you call it, they say that they only take callback requests and that messaging is the faster way to get a response.
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Benefits have tanked
Signed up 2 years ago for all the great cashback opportunities and benefits for making greener choices. Sometimes I’d have to open a ticket to get the cashback rate attributed at certain merchants, but I would get the issues resolved in the end. NOW I recently noticed that caps were silently put on cashback categories and APR went to Zero. No clear notice was provided, which is unlawful btw. Sadly there’s almost no reason to continue using at this point.
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Awful security and still janky
4 digit PIN codes and sms. No passkey, no password, nothing. Don’t store too much on this account and seriously ask yourself how much money you’re willing to risk with a fintech that can’t bother to provide modern security.
5% on utilities is great, that’s why 2 stars; I don’t expect it to last at all.
Update a month later and just super janky. Doesn’t want to open and then when it does tells me my account (which I’ve already used) is awaiting approval and I need notifications on.
Maybe put the money marketing your premium features into an app that works and it’d actually be a discussion to pay for your service.
Update another few months:
Oh my god does a transfer take forever. Also, the transaction history doesn’t show every transaction?! The customer service is solid as is the cashback but these are not replacements for things I expect any basic financial app to do.
5% on utilities is great, that’s why 2 stars; I don’t expect it to last at all.
Update a month later and just super janky. Doesn’t want to open and then when it does tells me my account (which I’ve already used) is awaiting approval and I need notifications on.
Maybe put the money marketing your premium features into an app that works and it’d actually be a discussion to pay for your service.
Update another few months:
Oh my god does a transfer take forever. Also, the transaction history doesn’t show every transaction?! The customer service is solid as is the cashback but these are not replacements for things I expect any basic financial app to do.
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Updated review 1/4/26
One of the best debit cards turns into one of the worse debit cards basically overnight don’t pay 99.00 annually to get what was free and included, 10% charging bonus for EV’s is now extra. Basically corporate greed at the expense of the common people. Read the recent reviews not the overall rating
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