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 (airfare, U.S. advertising, U.S. gas, U.S. restaurants, U.S. computer/cloud, transit) — combined cap4.8%4x points
- #34.8%4x points
- #4American Express4x points on diningRestaurants worldwide and U.S. supermarkets (up to $15,000/yr combined, then 2x)4.8%4x points
- #54.0%4x points
- #64.0%2x points
- #74.0%2x points
- #84.0%4x points
- #94.0%4x points
- #10Chase3x points on diningDining worldwide, including takeout and eligible delivery3.8%3x points
- #113.8%3x points
- #123.6%3x points
- #133.6%3x points
- #143.6%3x points
- #153.5%7x points
- #163%
- #173.0%3x points
- #183.0%3x points
- #19Bilt 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)3.0%3x points
- #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 June 30, 2026