The Energy Credit Card is a regular credit card with money deposited into the cards bank account by the local electric utility. The amount of money will be proportional to the electricity generated by the utility-owned solar PV system on the building owners rooftop. This allows electric utilities to compensate building owners for using their roof space while encouraging them to make energy efficiency improvements more effectively than current programs, which include tedious rebate forms. It is also a discount card, with local retailers offering discounts for energy related goods and services.