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Little-Known Ways to Save Money in NYC — From a Former New Yorker

There is no city in the United States quite like New York City. I'm proud to have been born there and to have lived there for nearly 40 years. Even after leaving, I've continued to return regularly to visit family and friends.

New York City can be a daunting experience for many visitors. And, let's be honest, it can be expensive.

That's why I'm so glad to share some of the little-known ways I've discovered to enjoy the Big Apple for free, along with some smart ways visiting seniors can save money.

If you know of others and want to share them, I'd welcome hearing from you. I'm always looking for another way to enjoy New York without spending a fortune.

Here are some of my favorite tips for enjoying New York City for free — and a few great ways visiting seniors can save money.

Freebie #1: Bank of America's Museums on Us Program

Bank of America's Museums on Us program can be a terrific money-saver for visitors who have an eligible Bank of America, Merrill or Bank of America Private Bank credit or debit card.

Free general admission is available during the first full weekend — Saturday and Sunday — of every month at participating museums.

In New York City, participating institutions include some major attractions such as the Metropolitan Museum of Art, the Museum of Modern Art, the Intrepid Air & Space Museum and The Jewish Museum, among others.

There is one important restriction: admission is limited to one free general-admission ticket per cardholder.

I have Bank of America credit cards with NO annual fees. Considering that regular admission to some of New York's major museums can cost $30 or more per person, getting their card even with a nominal fee can be well worth knowing about before your visit.

Thrifty Senior Traveler Tip: If you already have an eligible Bank of America card, check the current participating-museum list before your trip. This is one of those benefits that can easily pay for itself with just one museum visit.

Freebie #2: The Staten Island Ferry

Riding the Staten Island Ferry stands out as one of New York City's most rewarding free experiences.

You get a spectacular ride through New York Harbor with panoramic views of Manhattan, Brooklyn and the Statue of Liberty — and it doesn't cost a penny.

The ride takes about 30 minutes.

When boarding in Manhattan, head for the outdoor decks and position yourself on the right side for an unobstructed view of the Statue of Liberty.

On the return trip, get toward the front of the boat for terrific views of Lower Manhattan and the Brooklyn Bridge.

Thrifty Senior Traveler Tip: Don't think of the Staten Island Ferry as simply transportation. Think of it as a free sightseeing cruise. You get some of the best views in New York without buying a sightseeing-ticket package.

Freebie #3: Museums That Are Always Free

Several New York City cultural institutions offer free admission every day to all visitors.

These are particularly valuable because you don't have to wait for a special free-admission day or qualify for a particular discount program.

Here are several worth knowing about:

• MoMA PS1 — Long Island City, Queens: Completely free for all visitors. An advance timed reservation is recommended.

• National Museum of the American Indian — Lower Manhattan: Part of the Smithsonian and located at Bowling Green. Walk-ins are welcome and no ticket is required.

• The Bronx Museum of the Arts: Always free general admission.

• Museum at FIT — Fashion Institute of Technology — Chelsea: Free entry to its fashion and design exhibitions.

• American Folk Art Museum — Lincoln Center area: Free general admission. Advance booking is recommended.

• The Skyscraper Museum — Battery Park City: Free admission and a fascinating look at New York's architectural history.

Thrifty Senior Traveler Tip: Free doesn't always mean you should simply show up. Check the museum's website before you visit to see whether reservations are recommended or required.

Freebie #4: Pay-What-You-Wish and Free Admission Hours

Some of New York City's best-known museums open their doors to visitors during designated hours when admission is free or pay-what-you-wish.

These opportunities can be particularly valuable because regular admission at some of these museums can be expensive.

Here are several to put on your list:

Whitney Museum of American Art

When: Every Friday evening, 5:00 PM–10:00 PM, and the second Sunday of every month, all day.

Bonus: Visitors age 25 and under always get in free.

Museum of the City of New York

When: Every Wednesday, all day.

This is a particularly good choice if you want to learn more about the history and personality of the city you're visiting.

Museum of the Moving Image — Astoria, Queens

When: Every Thursday afternoon, 2:00 PM–6:00 PM.

If you enjoy movies, television and the history of the moving image, this museum is worth the trip to Queens.

The Morgan Library & Museum

When: Every Friday evening, 5:00 PM–8:00 PM.

The Morgan is much more than a library. It's a beautiful museum and one of those New York discoveries that many visitors overlook.

Poster House — Flatiron

When: The first Friday of every month, 10:00 AM–9:00 PM.

If you appreciate graphic design, advertising or the art of the poster, this is a fun and unusual stop.

Thrifty Senior Traveler Tip: Free admission can attract crowds. Check the museum's website before you go to see whether a timed-entry reservation is available, and consider arriving early.

Senior Savings Strategy #1: Senior MetroCard = Half-Priced Fares

Senior visitors to New York City can ride the subway and buses for half-price — currently $1.50 per ride — with a 7-day fare cap of only $17.50.

Once you make 12 reduced-fare taps, totaling $17.50, using the same card or device within a rolling seven-day window, every remaining subway and local bus ride for the rest of that week is completely free.

That's a pretty remarkable deal.

It's best to apply for a reduced-fare OMNY card by mail in advance using the Senior Citizen Reduced-Fare Application from the official MTA website.

You can also visit an MTA Customer Service Center located inside select major subway stations, including locations such as Grand Central, Times Square and Penn Station, during weekday hours.

Thrifty Senior Traveler Tip: If you're going to be in New York for several days and plan to use public transportation frequently, look into the reduced-fare program before your trip. New York is a walking city, but you probably don't want to walk everywhere.

Senior Savings Strategy #2: Visiting Someone in New York City?

Here's one many visitors may never have heard about.

Culture Pass is a collaborative initiative involving New York City's three public library systems: The New York Public Library, which serves Manhattan, the Bronx and Staten Island; Brooklyn Public Library; and Queens Public Library.

Eligible library cardholders age 13 and older can reserve free day passes to more than 80 participating New York City cultural institutions.

Those can include major museums, botanical gardens, historical sites and performing arts venues, including institutions such as the Whitney, MoMA, Brooklyn Botanic Garden and the Guggenheim.

Here's the trick for visitors:

If you're visiting a friend or family member who lives in New York City, ask whether they have access to Culture Pass. You simply sign-up online using your library card number.

A Culture Pass almost always admits at least two people, and you can absolutely accompany the New York City resident who makes the reservation.

Thrifty Senior Traveler Tip: Culture Pass isn't really a tourist discount. That's what makes it so interesting. If you have friends or family in New York, ask them to check Culture Pass before you arrive. You could save a surprising amount of money.

New York City Doesn't Have to Be Expensive

New York City has a reputation for being expensive, and sometimes that reputation is deserved.

But you don't need a huge budget to enjoy it.

Some of the city's best experiences — riding the Staten Island Ferry, exploring certain museums, walking through its neighborhoods and simply taking in the incredible sights — can cost absolutely nothing.

And if you're a senior, there are additional savings opportunities that many visitors simply don't know about.

I've spent nearly 40 years living in New York and have returned countless times since. These are some of the tricks I've learned along the way.

So go enjoy the Big Apple.

Just don't pay more than you have to.

Have a New York Money-Saving Tip?

If you've discovered a great free attraction, senior discount or other way to save money in New York City, I'd love to hear about it.

Send it my way. If it's a good one, I'll add it to this page and give other Thrifty Senior Travelers the benefit of your discovery.

Written by Jesse Slome, The Thrifty Senior Traveler
Originally published August 18, 2026 | Last updated August 18, 2026