Subway
For Subway, Robinhood Platinum Card leads the current Madeen snapshot at about 5% in the dining category. Compare the ranked table below, then read the coding caveats before checkout. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Compare Chase Sapphire Reserve® Credit Card vs Chase Freedom Flex® Credit Card
Which cards rank best for Subway?
| Card | Issuer | Effective rate | Annual fee | Compare |
|---|---|---|---|---|
| Robinhood Platinum Card | Coastal Community Bank | 5% | $695 | |
| U.S. Bank Altitude® Go Visa Signature® | U.S. Bank | 4% | $0 | |
| Chase Sapphire Reserve® Credit Card | Chase | 3% | $795 | |
| Chase Freedom Flex® Credit Card | Chase | 3% | $0 | |
| J.P. Morgan Reserve® | Chase | 3% | $795 | |
| Chase Sapphire Preferred® Credit Card | Chase | 3% | $95 | |
| American Express® Gold | American Express | 2.4% | $325 | |
| Business Gold | American Express | 2.4% | $375 | |
| American Express® Green | American Express | 1.8% | $150 |
What is the best card for Subway?
Subway is usually best judged by the category it posts under rather than the store name alone. Madeen shows the spend-category-specific winners and the broader category guide in one place. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Which cards rank best for Subway?
Robinhood Platinum Card leads the current snapshot for Subway at about 5%. The table below orders the top matches by category-specific effective rate and popularity. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What coding caveats matter for Subway?
Dining can include restaurants, bars, cafes, takeout, delivery apps, and venue food. Mixed merchants and third-party delivery platforms can post differently than a simple restaurant swipe. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the safest fallback card?
When the merchant code is uncertain, a broad flat-rate or backup category card can be safer than chasing a narrow bonus that may not post the way you expect. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Where this merchant page points next
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Frequently asked questions
What is the best credit card for Subway?
Robinhood Platinum Card leads at about 5% for Subway. The ranked table below compares category-specific effective rates for Subway; issuer terms still control caps, exclusions, and eligibility. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does Subway merchant coding affect rewards?
Dining can include restaurants, bars, cafes, takeout, delivery apps, and venue food. Mixed merchants and third-party delivery platforms can post differently than a simple restaurant swipe. At Subway, the posted merchant code matters more than the store name on your receipt.
Should I trust the store name or the merchant code?
Trust the merchant code and issuer terms first. The store name is a clue, but the posted code is what usually decides which category bonus applies at Subway. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Can I use the broader category guide instead of this Subway page?
Yes. The dining category guide is the safer fallback when you want the general rule, while this page narrows the answer to cards most likely to win at Subway. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Madeen analysis. Data from catalog snapshot 2026-06-09. Last reviewed 2026-06-09. Reviewed by Madeen editorial review. Issuer pages control rewards, fees, benefits, and eligibility.