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Subway’s EBT Policy – What You Need to Know

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The Supplemental Nutrition Assistance Program (SNAP), also known as food stamps, is a crucial lifeline for millions of Americans struggling to put food on the table. SNAP benefits provide assistance to low-income individuals and families to purchase nutritious food and are distributed electronically through Electronic Benefit Transfer (EBT) cards, which function like debit cards. While EBT is a convenient way to access SNAP benefits, there are rules and regulations that must be followed when using them, particularly when dining out at restaurants.

This article will focus on Subway’s EBT policy and what eligible SNAP recipients need to know about using EBT at Subway. We will discuss whether Subway accepts EBT in different states, the rules and restrictions for using EBT at Subway, and other options for using EBT at restaurants.

We will also provide some tips and best practices for using EBT to make the most of your benefits and access nutritious food options. Whether you are a frequent Subway customer or simply looking to learn more about using EBT benefits for dining out.

What is EBT?

Electronic Benefits Transfer (EBT) is an electronic system that allows eligible recipients of government benefits to access their benefits using a plastic card similar to a debit card. EBT is used for programs like SNAP, TANF, and WIC. With EBT, eligible participants can purchase food at authorized retailers and restaurants, making it easier to access nutritious food for themselves and their families.

Eligibility requirements for SNAP benefits and EBT usage vary by state. Generally, to be eligible for SNAP benefits, you must be a U.S. citizen or a legal non-citizen, have a Social Security number, and meet income and asset requirements. Each state sets its own income limits, but the maximum gross income limit is 130% of the federal poverty level.

Additionally, recipients must be at least 18 years old and not be a full-time student (with some exceptions). EBT can only be used to purchase eligible food items, such as fruits and vegetables, meat, dairy products, and bread. Non-food items, such as alcohol and tobacco products, cannot be purchased with EBT.

Understanding the eligibility requirements and rules and regulations for EBT usage is crucial for eligible participants looking to access their benefits. By utilizing EBT at authorized retailers and restaurants, eligible participants can purchase nutritious food and improve their overall health and well-being.

Does Subway accept EBT?

The USDA has established strict guidelines for using EBT at restaurants. The Restaurant Meals Program (RMP) was introduced to assist homeless, elderly, and disabled SNAP recipients to purchase prepared meals from authorized restaurants.

However, not all states participate in the program, and each state that does participate has its own regulations for using EBT at restaurants. Only restaurants that participate in the RMP are eligible to accept EBT as payment for prepared meals, and SNAP recipients should be aware of their state’s regulations before attempting to use their benefits at a restaurant.

Subway, a well-known fast-food chain, does not participate in the RMP in most states, which means that it cannot accept EBT for prepared meals. While some Subway locations may accept EBT for the purchase of unprepared food items such as bread and vegetables, SNAP recipients should verify with their local Subway location to see what items they can purchase with their benefits.

As a result, SNAP recipients seeking to use their benefits to buy prepared meals at restaurants should research which restaurants participate in the RMP in their state and confirm with the specific restaurant if they accept EBT as payment.

It’s important to note that while the RMP is available in several states, not all restaurants participate in the program. SNAP recipients should also be aware of the limitations on the amount they can spend on meals under the RMP, which may differ from state to state.

Does Subway accept EBT in your state?

To verify if Subway accepts EBT in your state, it is best to check with your local Subway franchise or utilize the USDA Food and Nutrition Service’s SNAP Retailer Locator tool. While Subway does not participate in the Restaurant Meals Program (RMP) in most states, some Subway locations may accept EBT for purchases of unprepared food items, such as bread and vegetables.

However, EBT cannot be used for prepared meals at Subway unless the location participates in the RMP. It is important to note that acceptance of EBT can vary by location, and each state has its own rules and regulations for using EBT at restaurants. Therefore, it’s important to verify with the individual restaurant or use the SNAP Retailer Locator tool to confirm Subway’s policy on accepting EBT in your state. To verify, then check out this table given below:-

S.NoStateStatus (Yes/No)
20New MexicoYes
22New YorkYes
25Las VegasNo
31South DakotaYes
32San DiegoNo

Other Restaurants That Accept EBT Cards

While Subway’s acceptance of EBT may vary by location, other restaurants participating in the Restaurant Meals Program (RMP), allow eligible participants to use their benefits at approved restaurants.

Some of the fast-food restaurants that accept EBT as payment include Burger King, McDonald’s, KFC, and Domino’s Pizza. In addition to fast-food chains, some locally owned restaurants may also accept EBT.

However, it is important to note that not all restaurants participate in the RMP, and eligible participants should check with individual restaurants to confirm their participation in the program.

Here is a list of some of the popular chain restaurants that accept EBT:

  • Burger King
  • Carl’s Jr.
  • Church’s Chicken
  • Dairy Queen
  • Domino’s Pizza
  • Jack in the Box
  • KFC
  • Papa Murphy’s
  • Pizza Hut
  • Subway (depending on location)
  • Taco Bell
  • Wendy’s

While some chain restaurants participate in the Restaurant Meals Program and accept EBT for prepared meals, it’s important to note that not all locations of these restaurants may accept EBT.

To avoid disappointment, it’s best to call ahead or check with the restaurant’s website to confirm before visiting. Additionally, there are many locally-owned and operated restaurants that also accept EBT, and these can be found through a simple internet search or by contacting your local SNAP office.

By researching which restaurants accept EBT, SNAP recipients can have more options for using their benefits to purchase prepared meals and enjoy dining out.

Other ways to use EBT for food purchases

In addition to using EBT at grocery stores and restaurants, there are other ways to use EBT for food purchases. Farmers’ markets are becoming increasingly popular for EBT users to purchase fresh produce. Many farmer’s markets now accept EBT as payment and may even offer incentives such as matching funds or bonus dollars to stretch EBT benefits further.

Another option for EBT users is the online purchasing program, which allows for the purchase of eligible food items from select online retailers. The program is currently available in certain states and is designed to increase access to healthy food options for those who may not have easy access to grocery stores or markets.

Lastly, some states have programs that allow for the purchase of seeds and plants with EBT benefits. This can be a great way for EBT users to stretch their benefits and grow their own produce, promoting healthier eating habits and self-sustainability.

It is important to note that while these options are available, they may not be available in all states or areas. It is best to check with your local EBT office or government website to see what options are available in your area.

Overall, these alternative options for using EBT can provide EBT users with greater access to healthy food options and promote healthy eating habits. By taking advantage of these resources, eligible participants can make the most of their EBT benefits and improve their overall health and well-being.

FAQs on Does Subway Accept EBT

Here are some frequently asked questions related to Subway’s policy on accepting EBT:

  1. Does Subway accept EBT CalFresh?

The SNAP program in California is called CalFresh. While it is possible that some Subway locations in California may accept EBT payments, it is best to contact your local store to confirm their policy.

Each Subway franchise has the discretion to choose whether or not to accept EBT, so it is important to check with the store directly to avoid any confusion or disappointment.

It is also worth noting that Subway’s acceptance of EBT may be subject to certain restrictions and limitations, which can vary depending on state and local regulations.

  • Do Subway Sandwiches accept EBT?

As mentioned earlier, Subway’s policy on accepting EBT payments can vary from location to location. While some Subway stores may accept EBT payments for purchases, others may not.


If you’re eligible for EBT, it’s crucial to know the rules and regulations when using it. Subway’s policy varies by location, but there are other restaurants and stores that accept EBT. Check with individual stores to confirm their policy, and keep in mind that EBT can only be used for certain food items.

In addition to restaurants, grocery stores, and farmers’ markets also accept EBT. You can use your benefits to purchase healthy food items, including fresh produce, seeds, and plants to grow your own fruits and vegetables. By taking advantage of these options, you can stretch your benefits and make healthier food choices.

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