# FutureCard: Cashback Debit — user reviews > 191 indexed App Store user reviews of FutureCard by Futr, Inc., rated 4.61/5 from 2,018 ratings. - Source: https://appshunter.io/ios/app/futurecard-cashback-debit/id1639711310/reviews - App overview in markdown: https://appshunter.io/ios/app/futurecard-cashback-debit/id1639711310.md - Rating breakdown: 5★ 1,728 · 4★ 75 · 3★ 43 · 2★ 27 · 1★ 132 ## What do users think of FutureCard? Overall sentiment: neutral **Pros** - 💰 Generous cash back and rewards - 🌱 Promotes sustainable spending - 🏆 Epic rewards for eco-friendly choices - 💳 Convenient to use as a debit card - 🤑 Earn interest on account balance **Cons** - 🐛 Buggy app with technical issues - ⏱️ Slow fund transfers and account updates - 🤖 Poor customer service and responsiveness - 🔒 Concerns about security and identity verification - 💳 Limitations in linking bank accounts **Commonly reported bugs** - App crashes and freezes - Incorrect transaction charges and double-billing issues - Inability to update account information like address - Compatibility problems with mobile wallets **Most requested features** - Improve app stability and user experience - Faster fund transfers and real-time account updates - Enhance customer support with phone and live chat options - Streamline identity verification process - Expand bank account linking capabilities ## Newest reviews (19 of 191) ### 2/5 — Superb before, now just meh *2026-02-22, version 7.2.9* 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. ### 3/5 — Emphasis on subscription *2026-02-07, version 7.2.9* 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? ### 3/5 — Good rewards but takes a lot of leg work *2026-01-22, version 7.2.6* 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. ### 2/5 — Customer service sucks *2026-01-20, version 7.2.5* You money on card then they lock it so you can’t use it ### 1/5 — Used to be Great *2026-01-16, version 7.2.5* 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? ### 1/5 — All good perks hidden behind paywall and support is nonexistent *2026-01-07, version 7.2.5* 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. ### 1/5 — Benefits have tanked *2026-01-06, version 7.2.5* 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. ### 2/5 — Awful security and still janky *2026-01-06, version 7.2.5* 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. ### 1/5 — Updated review 1/4/26 *2026-01-04, version 7.2.5* 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 ### 2/5 — Not as good anymore *2025-12-27, version 7.2.3* It’s simply like any of the other bank accounts, as it doesn’t provide the cash-back and benefits it used to. Everything it used to provide has since been locked behind a paywall, and you aren’t able to get access, the subscription fee is also unreasonable for what it provides sadly… ### 3/5 — To Developers *2025-12-06, version 7.1.3* Please fix the keyboard collapse/dismissal at login.. I really want to use the app. ### 1/5 — App easy to use for scams *2025-12-06, version 7.1.3* I downloaded app because fraud person, pretending to be my bank, told me it would stop the withdrawal of 12 transactions. I notified Future next day they didn’t believe me and they did not wait 10 days. FBI is investigating new fraud. ### 1/5 — Terrible!!!!! *2025-12-05, version 7.1.3* My account randomly locked and I can’t access the money that was pending or already on it. Customer service takes a day to reply so I’m sol ### 1/5 — “ALERT” No more 10% EV charging cashback *2025-12-01, version 7.1.3* No more 10% cash back unless you purchase their 20$ monthly plan. ### 1/5 — Keyboard won’t let me login *2025-11-28, version 7.1.3* Keyboard won’t go down after inputting login info to allow access to login button. Have to goto internet browser to access account, please fix ### 1/5 — No 10% since Nov 14 *2025-11-25, version 7.1.1* I get NO 10% cashback for tesla charging since November 14. Promises given us 2 mo ago wasn’t delivered. Useless card ### 1/5 — It Started Good …. *2025-11-25, version 7.1.1* One of the benefits of that the card has attracted all of their customers was a very generous reward program however, since they introduced future pass now you have to pay in order to get rewards - however, reward amount has been reduced to a minimum - like everything they just dragged you in with good promises and right now … it is what it is , but it’s not worth it . Btw the costumer service is barely present ### 1/5 — No longer any good *2025-11-24, version 7.1.1* With their new “Future Pass” the no-fee thing is no longer true. Well, you can technically not pay their $99 annual fee but then you don’t get any of the rewards. They’ve also drastically reduced APY so it is no longer competitive with other better stabilized banks. Ah! And also they’ve added caps on the cashback you can get, so unless you can do ALL the categories, the new fee won’t ever be paid by itself. I’m closing my account as soon as I can get my money out of there, which is also another pain in the back. ### 4/5 — Great Concept But Still Clunky *2025-11-23, version 7.1.1* I love this card and this idea, I’ve already saved so much money and it’s just a great way to push for sustainable purchases. Really happy to be a part of the Future. I also love that my OMNY train swipes still get discounted when I reach a certain amount of swipes. However, the app is pretty clunky. The support messaging is great, but having to check it all the time to see if they responded is clunky. It would be great to be notified even just within the app when you receive a response would be super helpful. Also, some purchases not being counted as sustainable and not being able to flag it is frustrating and clunky again. I’ve made so many ebay purchases for example, and it seems as though I need to send them a receipt every time (which also feels a bit invasive) to prove my purchase was sustainable within ebay to get the 5% back. Additionally, there’s just been a few glitches and bugs where the payments don’t go through, but I still plan to stay loyal to this and am really enjoying it as a concept. ## Most critical reviews (10 lowest-rated) ### 1/5 — TERRBLE ENDING *2026-05-25, version 7.3.3* 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. ### 1/5 — STOLE MY MONEY *2026-05-11, version 7.3.3* 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 ### 1/5 — Worst Ever *2026-04-20, version 7.3.1* 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. ### 1/5 — Was great but now it’s useless *2026-03-24, version 7.3.0* 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. ### 1/5 — Transferring to another bank *2026-03-22, version 7.3.0* 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. ### 1/5 — Bad support *2026-03-03, version 7.2.10* I would stay away from this product. I can’t trust them the way I want to trust a financial institution. ### 1/5 — Applied and no answer after a month *2026-02-27, version 7.2.10* Nothing ### 1/5 — Incorrect statements *2026-02-06, version 7.2.9* 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. ### 1/5 — Unauthorized charges *2026-02-01, version 7.2.9* 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. ### 1/5 — horrible customer service *2026-01-21, version 7.2.6* paying the premium to get full value out of the card doesn’t make sense when the customer service is nonexistent ## Most praised reviews (10 highest-rated) ### 5/5 — Nice rewards *2026-01-08, version 7.2.5* 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. ### 5/5 — Love *2025-11-06, version 7.0.3* The best ### 5/5 — Best debit card on the market *2025-10-25, version 7.0.0* I love my future card. Not only did I make money signing up for my card but I have saved more money on my purchases than I have with any other card I have tried. Customer service helped when I had an issue with my card and I love the free atm withdrawals at any atm of your choice. NOBODY else does that. Overall 5 stars in my book. ### 5/5 — Best card ever *2025-10-16, version 6.1.1* High yield savings account with the cash back rewards of a top credit card AND it’s not using our money to fund fossil fuel??? It’s literally the perfect card. There’s no downside to this card. It got me so much cash back constantly I love it so much I want everyone to use it ### 5/5 — Updated review! *2025-09-09, version 6.0.37* This is absolutely the best debit card on the market today nothing even comes close to the FUTURE CARD great discounts especially for those trying for a low carbon output. The best thing is this card is FREE (no annual fee) and benefits that rival cards that charge 2-4 hundred annually. Incredible card and always changing benefits. Did I mention that this card pays the cardholder 4.10% on your money on the card on deposit. There are CD’s that pay less than that but require your money tied up for months. I highly recommend FUTURE CARD for your consideration. ### 5/5 — 10% back on EV Charging *2025-08-31, version 6.0.36* Love the cash back on EV charging, vegan dining, and public transit! ### 5/5 — Wow!! *2025-08-31, version 6.0.36* The Future card is awesome, best debit card on the market period! ### 5/5 — Awesome App *2025-06-30, version 6.0.31* I’m loving the 10% cashback on Tesla charging. Very simple ### 5/5 — The future of debit cards *2025-06-20, version 6.0.28* Everything I need and want in a debit card! The easiest and most efficient debit card ever! ### 5/5 — Best Money App. *2025-06-19, version 6.0.28* 10% cash back on EV charging is insane, 5% cash back on groceries and mad other things, 4.1% APY on idle cash. Blows EVERYTHING out the water. Just Amazing. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-19.*