Transit Benefit Fare Program

RTA Transit Benefit Prepaid MasterCard

The RTA Transit Benefit Prepaid MasterCard (RTA Transit Benefit Card) is a reloadable contactless prepaid card issued for the purchase of transit fares only and will be accepted at any qualified transit agency that displays the MasterCard®, Maestro® or NYCE® Acceptance Mark. Employees can use the RTA Transit Benefit Card at a station sales window, a ticket vending machine, or to make an online purchase. Employees can also use the card to fund a smart card issued by a transit agency or a pre-existing transit account.

The RTA Transit Benefit Card features include:

  • Accepted at any qualified transit agency everywhere Debit MasterCard is accepted.
  • Wireless for faster transactions and easier use.
  • Reloaded monthly.

The card is compliant with IRS section 132(f) regulations: whereas the card can only be used for purchasing transit products at qualified sales terminals.*

View a table that shows how the card can be used at Chicago area transit agencies.

View a brochure for the RTA Transit Benefit Card

The RTA Transit Benefit Prepaid MasterCard is issued by The Bancorp Bank pursuant to license by MasterCard International Incorporated. The Bancorp Bank; Member FDIC. MasterCard is a registered trademark of MasterCard International Incorporated.

*A qualified sales terminal is a point of sale terminal that ONLY sells transit fare media accepted under IRS regulations. For example, if a sales terminal location selling transit fare media also processes transactions for food, beverages, vacation packages or tours then the card will not be accepted at that terminal. Insure only transit fare media is available through the sales terminal.

Ventra Card

Ventra Direct Loads allow employees who ride CTA and/or Pace to have transit pass or select denominations of transit benefit value directly loaded to their existing Ventra accounts. Ventra Direct Loads can be set up to automatically recur each month and the Ventra transit pass or transit benefit value will be loaded to Ventra accounts by the last day of each month.

This convenient solution allows your pre-tax deduction to be deposited directly into your Pace Vanpool account each month. This way you do not have to worry about writing checks or mailing payments.

Bicycling vouchers are used by employees as payment towards qualified biking expenses associated with their commute to work. These vouchers are the most convenient solution to take advantage of the $20 per month bicycle benefit authorized by the IRS.

Please note, IRS regulations state that an employee taking advantage of the bicycle benefit cannot take advantage of the transit benefit in the same month.  However, you can alternate between benefits on a monthly basis.

Employee Savings Calculator


Suggested Tax Rate Table

Tax Component
No thanks, I will
enter my own rate
Fed Tax Rate
State Tax Rate
Social Security
Tax Rate
Total Tax Rate


Monthly $  Annual $

Plan Your Trip to Work