Best credit card to use at Jimmy John's.
Jimmy John's is an Illinois-based sub sandwich chain known for its "Freaky Fast" delivery, day-baked French bread, and a streamlined menu of cold subs including the Vito, Turkey Tom, and Italian Night Club. The chain operates over 2,600 locations nationwide and is owned by Inspire Brands. Jimmy John's transactions code as restaurants on Visa, Mastercard, and Amex 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 pays 4x points on U.S. restaurants and leads the field for daily Jimmy John's lunches, while the Chase Sapphire Reserve pays 3x on dining and includes travel-friendly redemptions. No-annual-fee dining picks like the Capital One SavorOne and Wells Fargo Autograph each earn 3 percent or 3x on restaurants. The Freaky Fast Rewards program adds points and free sandwiches on top of credit card cash back.
Last updated June 30, 2026