Does Subway take American Express (2023)

Wondering if your preferred payment method would be accepted at the Subway restaurant?

If you go to a Subway restaurant without knowing whether or not they take the credit card you’re using or the cash you have on hand, the experience could be unpleasant for you.

But fear not! This article is here to provide you with answers. We’ll get to know whether Subway allows American Express, credit cards, debit cards, or cash as payment options and also cover other acceptable payment methods you might not have considered.

As an added bonus, you may use this page to determine whether Tap-to-pay is allowed – Does Subway Take Tap To Pay?

Does Subway take American Express?

Short Answer: Subway does indeed accept American Express as a form of payment at most of its locations. So, if you have an American Express card, you may use it to pay for your Subway order.

Subway logo

In addition to paying for in-store meals with your American Express card, you can also utilize it for drive-thru orders, curbside pickup, and in-app purchases at Subway.

You can pay for your Subway order with American Express via the Subway app, but not all locations accept the card for online orders. It’s best to double-check with your neighborhood Subway to see whether they support American Express for app-based purchases before making an order via the app, just to be safe.

The cherry on the cake is that most Subway restaurants now take American Express gift cards as payment. Buying a Subway lunch with a gift card is a great way to show appreciation for a friend or family member, and it’s also a quick and easy method to pay for your meal.

Still, to be on the safe side, it’s best to call ahead and make sure your neighborhood Subway accepts American Express gift cards.

Does Subway take credit cards?

Subway gladly accepts a broad variety of major credit cards for your convenience.

Visa, MasterCard, American Express, and Discover credit cards are accepted at most locations of Subway for both eating in and taking out orders. Presenting your preferred credit card at the register is all that’s required.

Subway’s policy of accepting credit cards gives its customers more options for making purchases, and it eliminates the need for them to carry cash when they want to enjoy their favorite subs. Whether you’re eating in, ordering takeaway, or utilizing the drive-thru, credit card payments have been made very convenient and straightforward in all these settings.

Does Subway take debit cards?

Yes, Subway accepts debit cards as a means of payment.

Debit cards are accepted at Subway restaurants, making it easy and safe to pay for your meal. After receiving your bill, all you have to do to pay with a debit card at Subway is hand it over to the cashier. They will then proceed with processing the payment, and this may include verifying any additional charges or tips that may have been added.

Next, you’ll be asked to verify the purchase by signing the accompanying receipt. It’s important to note that while the majority of Subway locations do accept debit cards, there have been instances reported on platforms like Reddit where some stores may not readily accept this payment method.

Therefore, it’s advisable to have an alternative payment option available, such as cash or a credit card, just in case the specific Subway you visit doesn’t accept debit cards.

Does Subway take cash?

Majority of the Subway restaurants allow cash payments. 

If you prefer to pay with cash when you eat at a Subway location, you may do so without any issues. However, it’s worth noting that, according to discussions on Reddit, you may not be able to pay for your mobile order through the Subway app with cash.

Additionally, if you intend to use online promotional codes or coupons to get discounts on your Subway purchase, it’s worth knowing that paying with cash in-store might not be compatible with these promotions. You may usually only use paper discount codes for cash purchases.

If you find yourself in a situation where you only have cash on hand but want to place an order through the Subway app, there’s a workaround. Using your cash, you can buy a Subway gift card, which you can then add to the app. Then, after loading the gift card’s funds, you may place an order using the app and pay with it. This way, you can enjoy the convenience of online ordering while still using your cash to settle the bill indirectly.

What other payment methods does Subway accept?

  • Contactless Payments:

Subway now accepts a wide variety of contactless payments using services including Apple Pay, Google Pay, and Samsung Pay.

  • PayPal:

PayPal is a payment option accepted at participating Subway restaurants. This digital wallet is a safe and easy method to pay for your Subway order.

  • Subway Gift Cards:

Gift cards for Subway may be purchased and preloaded with any amount. The versatility of these gift cards as presents and as a payment method in Subway restaurants is appreciated by both the buyer and the receiver.

  • Subway Rewards:

In the form of Subway MyWay Rewards, Subway offers rewards to committed customers. Regular Subway eaters may profit from this program by receiving free food and other advantages.

  • EBT (Electronic Benefit Transfer):

Subway allows EBT (Electronic Benefit Transfer) cards at certain locations in the United States, especially in Southern California. Nonetheless, EBT payments are not allowed for online orders, so this method of payment is best for in-person eating or takeaway.


Final Words

It’s important to know how to pay for your Subway meal in advance if you want to enjoy it without any issues.

We’ve covered all the common ways you can pay at Subway in this article so that the next time you visit Subway, you’ll know exactly how to pay, making your mealtime even more enjoyable.