First my Standard Rant about fare payment on any SEPTA transit division vehicle: Rules 1 through 10 are NEVER PAY THE $2 CASH FARE. You can buy tokens for $1.30 in quantities of 2 or more. A token is good for the same base fare as the 2 bucks but you save over one-third. In fact, I've heard SEPTA employees refer to the $2 fare as the "sucker fare" because it's mostly paid by tourists and newbies.
If you need a transfer, that has to be paid in cash (60c) but just plop that plus your token in the farebox. Don't get confused by the stories circulating among some operators and riders that you have to pay the $2 fare if you're also buying a transfer. It's just a way to try to get people to overpay.
Depending on how often and where you ride, you may be able to make a City Transpass work for you. The price is about equal to a month of base fares plus one transfer, so if you ride the El and one of the 10X rail lines it might be cost-effective. Another scam - if you go beyond Zone 1, SEPTA's usual advice is to purchase a RRD Trailpass. Problem is, their prices are keyed to the higher RRD fares and you have to ride transit about 34 days a month to break even. Just get the Transpass and pay the extra 50c for each zone after the first one. Also, a Transpass is good everywhere on the whole system on weekends without any zone charges.
The only downside to a pass is that it's a flat cost. There's no refund if you don't use it enough to break even vs. tokens, so do the math up front.
There's another advantage to using a Transpass for anyone who connects to the El and makes a suburban transfer beyond Zone 1.
If you use tokens, the continuation of the Red Arrow PAYE / PAYL practice is a cause of endless inconvenience for regular commuters and confusion for anyone riding for the first time. Inbound, you can combine the zone charge with the base fare and transfer. For ex., on the P&W from Radnor, you just pay a token plus $1.10 (50c zone fare + 60c transfer). But going outbound, the fact that the City Division is always PAYE means you pay the token and transfer when you board, but give the P&W operator the zone fare when you leave.
It means a lot more coins to carry and for SEPTA to count. I've even seen cases wheresome irregular riders become sufficiently flummoxed that they end up paying two separate fares.