20 cards ranked
Best credit card to use at Subway.
Dining
Subway is the largest restaurant chain in the U.S. by store count, with about 20,000 domestic locations. Charges code as dining on every card we track. Standard high-bonus dining cards (Amex Gold 4x capped, Sapphire Preferred 3x, Capital One SavorOne 3%) are the obvious pairings. The MyWay Rewards loyalty program and recurring digital coupons in the Subway app stack on top of card bonuses.
- #1Discover it Cash Backthis quarterDiscover5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #2Discover it for Studentsthis quarterDiscover5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #3NHL Discover itthis quarterDiscover5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #45%
- #5American 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 (airfare, U.S. advertising, U.S. gas, U.S. restaurants, U.S. computer/cloud, transit) — combined cap4.8%4x points
- #64.8%4x points
- #7American Express4x points on diningRestaurants worldwide and U.S. supermarkets (up to $15,000/yr combined, then 2x)4.8%4x points
- #8Bilt 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)4.5%3x points
- #94.0%4x points
- #104.0%2x points
- #114.0%2x points
- #124.0%4x points
- #134.0%4x points
- #143.8%3x points
- #153.8%3x points
- #163.6%3x points
- #173.6%3x points
- #183.6%3x points
- #193.5%7x points
- #203%
Last updated May 17, 2026