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MetroCard Balance Protection Program

*MTA New York City Transit provides a Balance Protection Program for its 30-Day Unlimited Ride and 7-Day Express Bus Plus MetroCard that protects you from loss or theft of the card as long as you purchase it with a credit or debit/ ATM card from a MetroCard Vending Machine.

We protect MetroCards purchased via credit or debit cards from Metrocard vending machines against loss or theft. This includes 30-Day Unlimited or 7-Day Express Bus Plus MetroCards. MetroCards purchased with cash are no eligible for protection. If your card is lost or stolen, there are two ways to connect with the balance protection program:

  1. Your best option is to file a report online.
  2. You can also call 511 and follow the prompts get to the Balance Protection Program.

You'll need to supply us with the number of the credit or debit card you used to buy your MetroCard. You will not receive a replacement MetroCard. Your refund will be in the form of a credit back to the credit or debit card you used to buy the MetroCard. We credit $4.24 per day remaining on your 30-Day card and $8.86 per day remaining on your 7-Day Express Bus Plus card. The refund of full days remaining is based on the day you notify us of your loss.

MetroCards with a transaction that is Balance Protection eligible may also have value on them (for example, a 30-Day card that also has $20 in value on it). The value part of these farecards is ineligible for Balance Protection. The $1 new card fee is also not refundable.

MetroCards refilled with multiple transactions are also eligible for Balance Protection (For example, a 30-Day card refilled with another 30-Day card). As long as both purchases were made with a credit or debit card from MetroCard vending machines, they will be refunded. If you made one of the purchases with cash, that part is ineligible for Balance Protection.

You can file up to two claims per calendar year. We process the first claim free of charge. We charge a $5.00 administrative handling fee for the second claim. We deduct that fee from the refund amount.