If you’re a SNAP recipient, you’ve probably found yourself wondering: Can I use my EBT card at McDonald’s? The short answer? It depends. While most McDonald’s locations across the U.S. don’t accept EBT (Electronic Benefit Transfer), there are some exceptions—and if you live in the right place and qualify under specific conditions, you might just get that Big Mac with your benefits.
In this deep dive, we’ll break it all down for you. Whether you’re just trying to feed your family or you’re a social worker helping someone navigate food assistance, this guide will make it crystal clear.
SNAP Users Alert: Here’s When McDonald’s Will Say YES to EBT
| Key Info | Details |
|---|---|
| Can McDonald’s Accept EBT? | Yes, but only in select states through the Restaurant Meals Program (RMP) |
| Who Qualifies? | SNAP users who are elderly, disabled, or homeless and live in RMP-participating states |
| Participating States | California, Arizona, Michigan, Maryland, Rhode Island, Illinois (as of 2025) |
| Limitations | Not all McDonald’s in those states accept EBT; participation is franchise-based |
So, when does McDonald’s say “YES” to EBT? Only in the right place, at the right time, and if you meet the right criteria. It’s all about the Restaurant Meals Program, and only a few states and restaurants are part of it.
If you’re on SNAP and wondering whether your local McDonald’s takes EBT, do a quick check—call the store, look for signs, or use an app like Fresh EBT. It could make a big difference in how you spend your benefits—and how quickly you get a warm meal when you need it most.
What Is EBT and How Does It Work at Restaurants?
First off, let’s unpack what EBT is. Electronic Benefit Transfer is the system used to distribute SNAP (formerly known as food stamps) benefits. Most of the time, you can only use your EBT card to buy uncooked groceries at stores like Walmart, Target, or your local supermarket.
But here’s the twist: under a special part of SNAP called the Restaurant Meals Program (RMP), some folks can use EBT to buy hot, prepared meals—but only at approved restaurants.
So, Does McDonald’s Take EBT?
Yes—but only in very specific situations. McDonald’s can accept EBT if:
- The state you’re in participates in the Restaurant Meals Program
- You’re eligible for RMP (i.e., you are elderly, homeless, or disabled)
- The specific McDonald’s location is enrolled in RMP (because it’s optional for franchise owners)
Let’s break down these three parts.
Where McDonald’s Accepts EBT: State-by-State Breakdown
Here’s a look at states where McDonald’s may accept EBT under the RMP as of 2025:
1. California
The Golden State was one of the first to adopt the RMP. Many McDonald’s franchises participate—especially in cities like Los Angeles, San Diego, and Sacramento.
2. Arizona
Arizona also jumped early into the RMP game. If you’re in Phoenix or Tucson and meet the requirements, you might spot “EBT Accepted” signs at certain McDonald’s.
3. Michigan
Some counties have RMP-approved locations, including a few fast-food joints like McDonald’s. Call ahead to confirm.
4. Maryland
RMP is growing in Maryland, especially in Baltimore. But again—not all locations participate.
5. Rhode Island
Small state, big changes. Rhode Island is among the latest to join the RMP bandwagon.
6. Illinois
Recently onboarded, Illinois is still rolling things out county by county. Stay tuned to your local DHS updates.
How to Know If a McDonald’s Accepts EBT
Not every Mickey D’s in these states accepts EBT. So, what can you do?
Step-by-Step Guide:
- Ask the Manager
Walk in and ask. Most participating stores proudly display “EBT Accepted Here” signs. - Call Ahead
Saves time. You can Google the store, call, and ask: “Do you take EBT under the Restaurant Meals Program?” - Use SNAP Resources
Each state’s social services department usually has a list of participating locations. Some even have maps. - Check Propel’s Fresh EBT App
This free app helps you find places that accept EBT based on your location.
Who Can Use EBT at McDonald’s?
Just being a SNAP user doesn’t cut it. You have to fall under RMP eligibility, which includes:
- Elderly (60 years or older)
- Disabled (must receive disability benefits)
- Homeless (no fixed nighttime residence)
And remember, your state has to participate in the RMP and approve you individually.
What You Can and Can’t Buy at McDonald’s with EBT
Let’s clear up what’s on the table (literally).
Allowed:
- Hot meals (like burgers, fries, coffee)
- Combo meals
- Breakfast sandwiches
Not Allowed:
- Gift cards
- Promotional deals bundled with non-food items (like toys in Happy Meals)
- Orders placed through apps (unless store is set up for EBT)
McDonald’s and EBT Cash Benefits: The Grey Area
Some states load cash assistance (like TANF) onto the same EBT card. If you have cash benefits, you may be able to buy anything at McDonald’s, even outside of RMP states.
But here’s the catch: using cash benefits for fast food may be frowned upon or even restricted in some areas. Always double-check with your state agency.
Why Isn’t EBT Accepted at All McDonald’s Locations?
Because most McDonald’s restaurants are independently owned franchises, each location decides whether or not to participate in RMP. Owners have to apply through the state, get inspected, and follow strict USDA rules.
Also, many states simply don’t participate in RMP—including big ones like:
- Texas
- Florida
- Georgia
- New York
- North Carolina
So, unless these states opt in, EBT won’t work at McDonald’s there.
Will McDonald’s Accept EBT Everywhere in the Future?
It’s possible, but not guaranteed. Expanding RMP would require:
- More states opting into the program
- More franchise owners joining voluntarily
- Continued federal support
There’s no official date or national rollout on the books right now.
If you’d like your state to join, consider contacting your local lawmakers or Department of Human Services.
Frequently Asked Questions (FAQs)
Q1. Can I use EBT at McDonald’s in Texas or Florida?
Nope. These states don’t participate in the RMP as of 2025.
Q2. Can I use EBT to order McDonald’s online or on the app?
Not usually. EBT is generally not accepted for mobile or delivery orders.
Q3. Do I need to apply separately to use RMP benefits?
Yes. You must be approved by your state as elderly, homeless, or disabled.
Q4. What other restaurants accept EBT?
In RMP states, some other chains may include Subway, Jack in the Box, Burger King, and Domino’s—but this varies by location.
Q5. Can I use EBT for drinks only?
Yes, if you’re eligible for RMP and at a participating location, you can get drinks like coffee or soda.
