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The Electronic Benefit Transfer (EBT) system helps millions of Americans access food through the Supplemental Nutrition Assistance Program (SNAP). While EBT is typically used at grocery stores, some states offer the Restaurant Meals Program (RMP), allowing eligible individuals—such as the elderly, disabled, or homeless—to buy hot, prepared meals at participating restaurants. If you’re wondering, “What restaurants accept EBT near me?” or “Does Subway accept EBT?” this guide has you covered. We’ll explore fast food places that take EBT, clarify policies for chains like Costco, McDonald’s, Wendy’s, and Subway, and show you how to find EBT-friendly dining options.
What Is the Restaurant Meals Program (RMP)?
The Restaurant Meals Program (RMP) is an optional SNAP extension that lets qualifying recipients use their EBT cards at approved restaurants. It’s designed for people who can’t easily cook at home. To use the RMP, you typically need to be:
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60 years or older,
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Disabled,
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Homeless, or
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A spouse of an eligible SNAP recipient.
Only certain states participate in the RMP, including California, Arizona, Michigan, and Rhode Island. Availability varies, and not all restaurants in these states accept EBT. Check your state’s SNAP agency website for details on eligibility and locations.
Fast Food Restaurants That Accept EBT
Many popular fast food chains participate in the RMP, offering convenient meal options for EBT users. However, acceptance depends on the state and specific location. Here’s a list of food places that take EBT in participating states:
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Burger King
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Carl’s Jr.
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Dairy Queen
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Denny’s
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Domino’s Pizza
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El Pollo Loco
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Jack in the Box
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KFC
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McDonald’s
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Papa John’s
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Pizza Hut
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Popeyes
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Subway
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Taco Bell
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Wendy’s
Since not every location accepts EBT, it’s smart to call ahead or use online tools to confirm.
Do Major Chains Accept EBT? McDonald’s, Wendy’s, Subway, and Costco Explained
Let’s break down EBT acceptance at some of the most asked-about chains:
McDonald’s
Does McDonald’s take EBT? Yes, but only at select locations in states like California, Arizona, and Michigan that participate in the RMP. Some social media posts suggest McDonald’s is expanding EBT acceptance, but this isn’t fully confirmed. Contact your local McDonald’s to verify.
Wendy’s
Does Wendy’s accept EBT? Yes, in certain states like California and Arizona. Over 120 Wendy’s locations in California accept EBT, making it a solid option for EBT fast food. However, participation varies, so check with your nearby Wendy’s.
Subway
Does Subway accept EBT? Absolutely—Subway is one of the most EBT-friendly chains, with 812 locations nationwide accepting EBT as of 2025. You’ll find Subways that accept EBT near me in states like California, Arizona, and Michigan. It’s a go-to for affordable, customizable meals.
Costco
Does Costco accept EBT? Yes, but only for grocery purchases—not food court items. The food court is treated as a restaurant, and EBT can’t be used there, even in RMP states. So, while you can stock up on bulk groceries, that famous $1.50 hot dog combo is off-limits with EBT.
How to Find Restaurants That Take EBT
Wondering, “What restaurants take EBT near me?” Here are the best ways to find out:
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USDA SNAP Retailer Locator: Search for SNAP-authorized retailers, including some restaurants, at usda.gov.
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State SNAP Websites: States like California and Arizona list participating restaurants online.
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Call or Check Online: Look for signs at restaurants or visit their websites. A quick phone call can also confirm EBT acceptance.
Can You Use EBT at Fast Food Places Everywhere?
No, EBT use at restaurants is limited to states with the RMP. For example:
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California: Hundreds of locations, including McDonald’s, Subway, and Wendy’s.
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Arizona: Similar options, with chains like Taco Bell and Jack in the Box.
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Kentucky: No restaurants accept EBT under the RMP.
Even in participating states, not every city or restaurant joins in. Always double-check local availability.
What Can You Buy with EBT at Restaurants?
With the RMP, you can buy any hot, prepared meal on the menu—think burgers, sandwiches, or pizza. Restrictions include:
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No cold or take-and-bake items (meant for later consumption).
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Possible daily spending limits, depending on the restaurant.
Ask your local spot for their specific rules.
Why Choose Restaurants That Accept EBT?
For eligible SNAP users, the RMP offers flexibility and convenience. Whether you’re grabbing a quick bite at Subway or enjoying a meal at Denny’s, it’s a practical way to use your benefits when cooking isn’t an option.
Final Thoughts
The Restaurant Meals Program opens doors to dining out with EBT, especially at fast food favorites like McDonald’s, Wendy’s, and Subway. While restaurants that accept EBT vary by state and location, tools like the USDA SNAP Retailer Locator make it easy to find options near you. Costco stands out as an exception—great for groceries, but not for food court treats. Whether you’re searching for restaurants that take EBT or curious if do restaurants take EBT, this guide helps you navigate your choices with confidence.
Happy dining!
