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10 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.

  1. #1
    Citi Custom Cashif it’s your top category
    Citi
    5% on dining if it's your top eligible spend category that cycle (up to $500/month, then 1%)
    Automatically on your top eligible spend category each billing cycle
    5%
  2. #2
    Discover it Cash Backthis quarter
    Discover
    5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.
    Activation required each quarter
    5%
  3. #3
    Discover it for Studentsthis quarter
    Discover
    5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.
    Activation required each quarter
    5%
  4. #4
    NHL Discover itthis quarter
    Discover
    5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.
    Activation required each quarter
    5%
  5. #5
    Robinhood Platinum
    Robinhood
    5% on dining
    5%
  6. #6
    American Express Business Goldif it’s your top category
    American Express
    4x 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 cap
    4.8%4x points
  7. #7
    American Express Gold
    American Express
    4x points on dining
    4.8%4x points
  8. #8
    Marriott Bonvoy Bevy American Express
    American Express
    4x points on dining
    Restaurants worldwide and U.S. supermarkets (up to $15,000/yr combined, then 2x)
    4.8%4x points
  9. #9
    Bilt Obsidianif you select it
    Bilt
    3x 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
  10. #10
    Bilt Palladium
    Bilt
    3x points on dining (up to $25,000/year, then 1%)
    Choose dining or groceries as the 3x category
    4.5%3x points
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