Understanding EBT and the Restaurant Meals Program
The Electronic Benefits Transfer (EBT) card is the modern way that Supplemental Nutrition Assistance Program (SNAP) benefits are delivered to eligible individuals and families across the United States. While most people associate EBT with grocery shopping, many are surprised to learn that certain restaurants also accept EBT payments through a specialized initiative known as the Restaurant Meals Program (RMP).
The Restaurant Meals Program was established to help specific populations who may not have the ability to prepare meals at home. This includes elderly individuals, people with disabilities, and those experiencing homelessness. The program recognizes that not everyone has access to a kitchen or the physical capability to cook, making restaurant access a vital component of food security.
Which States Participate in the Restaurant Meals Program?
Not every state participates in the Restaurant Meals Program, and availability can vary significantly depending on where you live. As of 2026, states that actively participate in the RMP include California, Arizona, Rhode Island, and select counties in other states. California has the most extensive program, with thousands of restaurants enrolled across the state.
Each participating state has its own set of rules and qualifying criteria. In California, for example, the program is available to SNAP recipients who are 60 years or older, disabled, or homeless. Arizona offers similar eligibility requirements but may have different participating restaurant chains. It is essential to check with your local Department of Social Services or SNAP office to determine whether your state or county participates in the RMP.
Major Restaurant Chains That Accept EBT
Several well-known restaurant chains participate in the Restaurant Meals Program in eligible states. Some of the most commonly recognized chains include Subway, Burger King, Jack in the Box, Denny's, Domino's Pizza, El Pollo Loco, Rally's, Papa Murphy's, and certain McDonald's locations. However, participation can vary by franchise location, so it is always a good idea to call ahead or check online before visiting.
Papa Murphy's is a unique case because it sells take-and-bake pizzas, which are considered unprepared food items. This means that in many states, Papa Murphy's accepts EBT even outside of the Restaurant Meals Program since the pizzas are not cooked at the point of sale. This makes Papa Murphy's one of the most widely accessible restaurant-style options for EBT cardholders nationwide.
How to Use Your EBT Card at a Restaurant
Using your EBT card at a participating restaurant is a straightforward process. When you arrive at the restaurant, inform the cashier or server that you will be paying with your EBT card. The restaurant will have a point-of-sale terminal that can process EBT transactions, similar to the card readers found in grocery stores.
You will swipe your EBT card and enter your four-digit Personal Identification Number (PIN) to complete the transaction. The cost of your meal will be deducted directly from your SNAP benefits balance. It is important to note that EBT can only be used for food purchases, so you will need an alternative payment method for any non-food items, beverages like alcohol, or tips.
Finding EBT-Friendly Restaurants Near You
There are several ways to find restaurants in your area that accept EBT. The USDA maintains an online SNAP retailer locator tool where you can search for authorized SNAP retailers, including restaurants, by zip code. Additionally, many states have their own directories of participating RMP restaurants available through their social services websites.
Mobile apps have also emerged as helpful tools for EBT users. Apps like Providers and Fresh EBT allow users to check their EBT balance, find nearby retailers and restaurants that accept SNAP benefits, and manage their food budget more effectively. These digital tools have made it significantly easier for EBT cardholders to navigate their dining options.
Limitations and Important Considerations
While the Restaurant Meals Program provides valuable access to prepared meals for qualifying individuals, there are some limitations to keep in mind. Not all menu items at participating restaurants may be eligible for EBT payment. Generally, only food items can be purchased with SNAP benefits, excluding hot coffee, energy drinks, alcohol, and other non-food products.
Another important consideration is that the RMP is not available to all SNAP recipients. Only those who meet specific criteria, such as being elderly, disabled, or homeless, can use their EBT cards at restaurants. Standard SNAP recipients who do not meet these criteria are limited to purchasing food at authorized retail stores and grocery outlets.
The Future of EBT at Restaurants
There is growing advocacy to expand the Restaurant Meals Program to more states and to broaden eligibility criteria. Proponents argue that access to prepared meals is essential for many Americans who face barriers to home cooking, including those living in food deserts, working multiple jobs, or lacking adequate housing with cooking facilities. As food insecurity remains a pressing issue in the United States, the conversation around restaurant EBT acceptance continues to evolve, with potential expansions on the horizon in several states.
