Frequently asked questions

See below to learn the answers to some common questions
What do I get cashback on?
5% cashback on climate-friendly purchases, 6% on select purchases from our FuturePartners, 1% on everything else. See a list of FuturePartners and some examples for climate-friendly categories here.
How can I refer a friend?
You should have received your unique referral link by email within a week of being approved for the card, but if you've not received it, please reach out to

Once someone joins with your link and funds their Future account with $10 or more via a linked bank, they’ll receive an elevated $15 Welcome Bonus*. Plus, we’ll credit $15 to your ClimatePoints balance after they make their first purchase. Please see the full terms here.
Who is your bank partner?
We’ve intentionally partnered with Piermont Bank. They are woman and minority-led, plus your deposits won’t ever fund fossil fuel projects.
How can I share feedback?
We would absolutely love to hear from you. Please reach out to us at with your thoughts and feedback. We are building a movement to inspire climate-friendly living and are always eager to learn what more we could be doing.
Is the FutureCard available overseas?
Currently, our card is only available for U.S residents. That said, it works globally wherever Visa is accepted.
Does the FutureCard have any fees?
No monthly fees here. No foreign transaction fees, either. We don’t even ask for tips.
Does the FutureCard help build my credit?
Not yet.
We are working on ways to help you build credit without having to get credit. Stay tuned!
Is my money safe with Future?
All your deposits are FDIC-insured up to $250,000. We also use the latest encryption.
Our employees don’t know your card number and will never ask you for it.