You can just buy a $20 card, pay $21, get the bonus, and then add on the remainder of the next closest $2.50 block, in a second transaction, by using the "Other Amounts" option, which permits any amount greater than $1 (including change, as in $1.99). If you can't fathom the math for this, while thinking on your feet, too bad for you.
And yeah, this takes longer, and people waiting behind you might be impatient. But this is New York, so everyone else can go fuck themselves.
You can just buy a $20 card, pay $21, get the bonus, and then add on the remainder of the next closest $2.50 block, in a second transaction, by using the "Other Amounts" option, which permits any amount greater than $1 (including change, as in $1.99). If you can't fathom the math for this, while thinking on your feet, too bad for you.
And yeah, this takes longer, and people waiting behind you might be impatient. But this is New York, so everyone else can go fuck themselves.