Best credit card to use at Firehouse Subs.
Firehouse Subs is a Jacksonville-based sub sandwich chain with over 1,200 restaurants across the United States, owned by Restaurant Brands International alongside Burger King and Popeyes. The chain is known for steamed meat subs like the Hook & Ladder and Italian, plus the Firehouse Subs Public Safety Foundation that funds first responder equipment. Transactions code as restaurants on most credit card networks.
- #15%
- #2American Express Business Goldif it’s your top categoryAmerican Express4x points on dining if it's your top eligible spend category that cycle (up to $150,000/year, then 1%)Automatically on your top 2 spending categories each billing cycle from 6 eligible (U.S. advertising, U.S. electronic goods retailers and software/cloud providers, U.S. restaurants, U.S. gas stations, transit, U.S. wireless telephone service), combined cap. Flights earn 3x via AmexTravel.com.4.8%4x points
- #34.8%4x points
- #4U.S. Bank4x points on dining (up to $2,000/quarter, then 1%)Up to $2,000/quarter4.0%4x points
- #54.0%2x points
- #6World of Hyatt Businessif it’s your top categoryChase2x points on dining if it's your top eligible spend category that cycleAutomatically 2x total in your top three spend categories each calendar quarter, from dining, shipping, airline tickets bought directly with the airline, local transit and commuting, social media and search engine advertising, car rental agencies, gas stations, and internet/cable/phone services4.0%2x points
- #74.0%4x points
- #84.0%4x points
- #9Chase3x points on diningDining worldwide, including takeout and eligible delivery3.8%3x points
- #103.8%3x points
- #113.5%7x points
- #123%
- #133.0%3x points
- #143.0%3x points
- #15Bank of America Cash Rewards Securedif you select itBank of America3% on dining if you select it as a bonus category (up to $2,500/quarter, then 1%)3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row3%
- #16Bank of America Customized Cash Rewardsif you select itBank of America3% on dining if you select it as a bonus category (up to $2,500/quarter, then 1%)3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row3%
- #17Bilt Obsidianif you select itBilt3x points on dining if you select it as a bonus category (up to $25,000/year, then 1%)Choose dining (default) or groceries as your 3x category annually (cap applies when groceries is selected). Earn up to 6x at participating Bilt Dining restaurants (limited network) when Dining is the selected category.3.0%3x points
- #183%
- #193%
- #203%
The Amex Gold earns 4x on U.S. restaurants, the highest baseline rate available on Firehouse Subs orders, while the Chase Sapphire Reserve pays 3x on dining. No annual fee dining picks include the Capital One SavorOne at 3 percent and Wells Fargo Autograph at 3x. The Firehouse Rewards program adds points that stack with credit card cash back, and rounding up at the register supports the Foundation.
Last updated July 28, 2026