overall rating:



Peter Mofokeng
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FutureCard is fresh, original, breathtaking, and the epitome of innovation. I have been waiting for something like this to come across my desk for a while. I believe incentivizing everyday consumers with some reward will streamline net-zero emissions. Also, it is giving everyone some ownership and a tangible stake in the future of the earth and of biodiversity. Politicians should take note of this rewards program and implement something similar in legislation. Rewards and deals are the only way, in my opinion, to get through to consumers, especially with something as serious as global warming and climate change. FutureCard is only the beginning of significant breakthroughs in rewards for low carbon footprint and climate-friendly spending.  

What it's made of:


FutureCard is one of the greenest and impressive attempts at tackling global warming/climate change. The FutureCard is the only card on the market with 5% cashback for climate-friendly/low carbon footprint and green spending, and 1% for everything else. This innovative outlook on spending encourages sustainable travel, thrift shopping, and plant-based eating, and even rewards you for it. However, the FutureCard, contrary to other rewards cards, doesn't have attractive incentives compared to its contemporaries. Visa FutureCard, unlike any other major card company in the world, empowers the consumer to make logical decisions regarding their climate impact/carbon footprint. Illogical choices contributing to a negative footprint aren't incentivized, as they should be. Purchases are determined green based on whether a product has a lower carbon footprint than other identical products. FutureCard defines "Climate-smart spending" as purchases and investments with lower carbon footprints confirmed by peer-reviewed research at universities and research institutions focused on climate change. FutureCard makes me wonder if a partnership with Voiz is a partnership worth considering since we do the same thing as these organizations regarding analysis and research. FutureCard in the future after launching will have to take a serious look at itself and ultimately draw a serious line, determining what is truly sustainable and what isn't. This ultimately starts with plastic cards.  

How it's made:


FutureCard isn't on the market yet but has a waiting list for cards. The Maryland-based venture-backed startup has members in all 50 US States as well as 30 countries worldwide and doesn't deny anyone a chance to use the card and its incentivized features. FutureCard doesn't charge interest, has no fees, has instant approval, doesn't show up on your credit report, and most importantly, it's free! FutureScore allows patrons to estimate their carbon footprint on their website, serving as a benchmark to assist cardholders in mitigating their footprint, adjusting to climate-smart living. FutureScore provides this information by analyzing bank statements and spending, ultimately helping the transition to climate-smart living. FutureScore and FutureCard are synced. Overall, I'm sure their offices contribute significantly to carbon emissions through traditional office operations and commuting. Despite being such an innovative company with a game-changing plan regarding climate change, something will have to change about the plastic cards. Plastic cards are detrimental to the environment. From sourcing to discarding in landfills, oceans, or through incineration, ultimately creating carbon emissions, plastic waste is a detriment to us all.    

Who makes it:


FutureCard clarifies the shift to net-zero emissions for cardholders and their families. Transactions will be powered by Imprint Payments, Inc. Earlier this month, Future partnered with Visa to help facilitate services and support to Future consumers. They also will be assisting with sustainable lifestyle changes for cardholders. According to their website, Future is on a mission to "Democratize climate-smart living, founded on the simple premise that saving money and reducing your carbon footprint go hand in hand." Future wants to ensure everyone has access to this change, regardless of socioeconomic barriers, insufficient finances, and lack of education. I love it because it incentivizes reducing carbon footprint. It will make people critically think about their lifestyle choices and how these affect the environment, and then ultimately pay them for it. Future's office is in a technology incubator in the Silver Spring Innovation Center in Silver Spring, Maryland. It is within 0.5 miles of rapid transit and right in front of a bus stop. It is also near major highways as well. It is unclear what kind of corporate culture permeates this company. However, I can only assume positivity and forward-looking based on this product. Very little information is given regarding company policy and practices.