About Future - America's Highest Cashback Debit Card

Building a Better Financial Future for People

At Future, we're revolutionizing debit card rewards by making everyday purchases more rewarding.

— We believe everyone deserves to maximize their rewards on daily essentials, while having the chance to make a positive impact. Our innovative FutureCard delivers industry-leading cash back. FutureCard is the most rewarding debit card in America.

We could help people earn more on their daily spending while also rewarding choices that are better for the planet.

Our story

Since launching our FutureCard Visa® Debit Card in 2021, we've helped countless members earn industry-leading rewards on everything from groceries and gas to public transit and EV charging. Every swipe of a FutureCard helps our members save money on daily needs while having the option to reduce their carbon footprint.

Future was born from a powerful insight: we could help people earn more on their daily spending while also rewarding choices that are better for the planet. Traditional debit cards offered minimal or no rewards, we saw an opportunity to create a revolutionary product that maximizes cash back on everyday essentials.

What sets us apart

We're pioneering a new approach to debit card rewards that maximizes value for our members.
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Unlimited¹ Everyday Rewards

Exceptional cashback on daily essentials like public transit, groceries, travel and more¹

Climate Impact Tracking

Optional tracking of your environmental impact alongside rewards

Smart Category Detection

Our technology automatically identifies enhanced cashback on eligible purchases¹

No Monthly Fees

Maximum rewards without the cost. No monthly fees, plus a 4.10% APY³_.

Enhanced Bonuses

Up to 10% cashback on climate-smart spending categories¹

Backed by World-Class Investors

Future is supported by some of the world's top venture capital firms and financial technology investors. Our strong financial backing from prestigious firms demonstrates the confidence in our vision and ability to execute.

This backing enables us to:

Continuously innovate and expand our rewards program.

Invest in cutting-edge technology and security.

Build a world-class team.

Maintain strong financial stability.

Scale our impact nationwide.

Leadership

Jean-Louis Warnholz

CEO & Co-founder

Kamal Bhattacharya

CTO & Co-founder

Eric Baumgartner

Chief Commercial Officer

Brian Kalma

Chief Growth Officer

Trust & Security

Your financial security is our top priority

Visa® zero liability guarantee

Regular security audits and monitoring

FDIC-Insured through our banking partner²

Bank-level encryption and security

Your financial security is our top priority

Future is reimagining debit card rewards that were once reserved for credit cards alone

Industry-leading cashback rates on everyday spending¹

First debit card to offer premium rewards for climate-smart spending

Proprietary technology for identifying and categorizing purchases

Continuous expansion of reward categories to maximize member benefits

Recognition & Press

Featured in Forbes as a pioneer in modern debit card rewards

Apple App Store App of the Day

Named one of Fast Company's Most Innovative Companies in Finance

Nerdwallet Debit Card Feature

Join our Movement

Want to be part of the future of debit card rewards? We're always looking for passionate people who believe in our mission of making everyday spending more rewarding.

Visit our careers page to learn about current opportunities in our remote-first, mission-driven company.

View Open Roles