The short answer is yes, Subway accepts EBT, but only in specific states and under strict conditions. This option is not available to every SNAP recipient. You must generally be enrolled in a state-run initiative called the Restaurant Meals Program (RMP).

Most Electronic Benefit Transfer (EBT) cards are restricted to grocery purchases for home preparation. However, federal regulations allow states to create exceptions for elderly, homeless, and disabled individuals who cannot cook for themselves. If you do not meet these specific criteria or live in a participating state, your card will likely be declined at the register.

Key Takeaways

• Conditional Acceptance: Subway only accepts EBT in states with a Restaurant Meals Program (RMP).
• Limited Eligibility: You must usually be elderly (60+), disabled, or homeless to qualify.
• Participating States: Primary states include CA, AZ, RI, IL, VA, MI, and MD.
• Store Discretion: Individual franchise owners decide whether to participate, so acceptance varies by location.
• In-Store Only: You generally cannot use EBT for Subway orders placed through delivery apps like DoorDash or Uber Eats.

Understanding Does Subway Take EBT and How It Works

The Restaurant Meals Program (RMP) is the federal authority that allows fast-food chains like Subway to accept food stamps. Without this program, restaurants are prohibited from accepting SNAP benefits because hot, prepared food typically falls outside the guidelines of the Food and Nutrition Act.

Participation requires a three-way agreement between the federal government, the state government, and the individual franchise owner. Because Subway locations are independently owned, even a store in a participating state might choose not to accept EBT. You should always look for the "Restaurant Meals Program" decal in the window or ask the cashier before ordering.

Who Is Eligible for the Restaurant Meals Program?

Simply having an EBT card does not automatically qualify you to buy a sandwich at Subway. In most states with an active RMP, your EBT card must be specially coded to allow restaurant transactions.

According to federal guidelines, you generally qualify if your household meets one of the following criteria:

• Elderly: You are age 60 or older.
• Disabled: You receive disability benefits or disability retirement payments from a government agency.
• Homeless: You lack a fixed and regular nighttime residence.
• Spouse: You are the spouse of an eligible elderly or disabled individual.

States Where Subway Accepts EBT

Currently, only a handful of states operate the Restaurant Meals Program. If you live outside these areas, Subway cannot legally accept your EBT card for payment.

The following states have active programs with participating Subway locations:

• Arizona: The program is widely available here. The des.az.gov oversees a large network of participating fast-food chains, including many Subway franchises in cities like Phoenix and Tucson.
• California: This state operates the largest RMP in the country. Eligible residents can use their Golden State Advantage cards at participating Subways in counties like Los Angeles, San Diego, and Riverside. The cdss.ca.gov manages this extensive network.
• Rhode Island: This state runs a targeted program specifically for the elderly, disabled, and homeless. Participation includes specific Subway locations in urban centers like Providence.
• Illinois: Illinois operates a pilot program concentrated primarily in Cook County (Chicago area) and Franklin County. You must be in these specific zones to use your benefits at a restaurant.
• Virginia: The state recently launched its version of the program. The dss.virginia.gov lists participating Subway restaurants in areas like Newport News and Portsmouth.
• Michigan: Certain Subway locations participate in this state's program, which is designed to assist elderly and disabled residents.
• Maryland: A limited number of Subway locations participate, primarily in specific counties or cities participating in the state's pilot.

State Participation Overview

What You Can Buy with EBT at Subway

If you are eligible and at a participating location, the rules for what you can buy are relatively broad. The program allows for the purchase of "prepared meals," which lifts the usual ban on hot foods.

Eligible items typically include:

• Hot toasted subs (e.g., Meatball Marinara, Steak & Cheese).
• Cold sandwiches and salads.
• Fountain drinks and bottled water.
• Sides like chips, cookies, and apples.

Ineligible items include:

• Non-food items.
• Alcoholic beverages (though rarely sold at Subway).
• Tips or gratuity (these cannot be paid with SNAP benefits).

The Gas Station Exception

There is a common point of confusion regarding Subways located inside gas stations or convenience stores.

If the Subway register is separate from the gas station, it is classified as a "restaurant" and follows the strict rules above. However, if you pay for a cold sub at the main gas station counter, the transaction might be processed as a grocery purchase.

This is rare and depends entirely on how the merchant is categorized by their credit card processor. In general, you should assume that a standalone Subway will decline your card unless you are in an RMP state.

Frequently Asked Questions