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By “commuter card-transit” I’m assuming you mean the wage works debit card they send you that you then use to pay qualified transit expenses. If that’s not what you mean, then ignore the rest of this reply.
Sign up for the commuter card, then go get yourself an OMNY (contactless MTA card in the process of replacing the MetroCard). Set up automatic reloads once your balance goes below a reasonable threshold (mine is $20) to the OMNY card from your commuter card. Set up your pre-tax monthly contribution to your commuter card to be $132. Wait a few months to establish your actual usage, then adjust as needed.
Reasonings:
1. OMNY over MetroCard: metro card is going away, OMNY is the replacement so get in now. Also, OMNY is more durable and RFID so less chance of making it unreadable due to damage or demagnetization. Plus, OMNY has fare capping. No matter how much you use it, you’ll never spend more than $33 a week on standard metro fares (bus/subway).
2. Commuter card v preloaded metro card: preloads get mailed monthly and it sucks when usps has an issue and your new card doesn’t arrive before the old expires. Also, you can use your commuter card for other eligible expenses like the ferry, Metro-North/LIRR, public transit in other cities, etc.
3. Initial funding amount: Due to fare capping, $132 is the maximum regular metro (subway/bus) spend you can have in 4 weeks—as long as you’re using your OMNY and getting fare capping.
Rising Star
Ok follow up where did you get yours? The website said the 7-11 near me had them but when I went in they said they didn’t
Do the commuter card because it can also be used for Amtrak and other forms of similar transportation. The pay per ride metro card is limited to just the subway
Subway, bus and express. But still, commuter card is better.