If you’ve been wondering whether to pay with your EBT card or SNAP benefits at McDonald’s, you’re certainly not alone. It’s a very popular question, and the answer isn’t as easy as it seems. Let me take you through what you need to know—no sugarcoating, just facts—on one.
In most cases, McDonald’s doesn’t accept SNAP
Let’s start with the basics: generally, you can’t walk into a McDonald’s and use your EBT card to buy a Big Mac if you’re only receiving regular SNAP benefits. That’s because SNAP, also known as food stamps, is meant for groceries—things you can cook at home—not hot, ready-to-eat meals.
But—yes, there’s a “but”—there are a couple of exceptions where you might be able to use your EBT at McDonald’s.
The restaurant meals program (RMP): The main exception
Some states offer something called the Restaurant Meals Program (RMP). This allows certain SNAP recipients—i.e., those who might not be able to prepare for themselves—to use their benefits at participating restaurants, like McDonald’s in some areas.
To qualify for RMP, you must:
- Live in a state that offers the program (like California, Arizona, Michigan, Illinois, Maryland, New York, or Rhode Island)
- Be 60 or older, disabled, homeless, or the spouse of someone who qualifies
Even then, not every McDonald’s participates. You’ll need to check with your state’s EBT office or contact the restaurant directly to see if your local spot takes part in the RMP.
What about TANF benefits? Can you use those at McDonald’s?
Now, let’s talk about TANF, or Temporary Assistance for Needy Families. This is a different kind of help—cash aid that some states put directly onto your EBT card. While SNAP benefits can’t be used for restaurant food (except in special cases like RMP), TANF works a bit differently.
You still can’t swipe your EBT card at McDonald’s for a meal with TANF money, but here’s the workaround: you can withdraw TANF cash from an ATM. Once you’ve got that cash in hand, you’re free to use it wherever you like—including at McDonald’s.
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Can you use EBT for McDonald’s delivery?
If you’re thinking about using delivery apps like Uber Eats or DoorDash with your EBT card for same-day McDonald’s delivery, the short answer is not yet. Most of these services don’t accept EBT. There’s been talk about expanding EBT for online food purchases, but it’s mainly for groceries, not restaurant delivery.
Final thoughts
So, can you use your EBT card at McDonald’s? Usually no, unless you qualify for specific programs like the Restaurant Meals Program or you’re using TANF cash you’ve withdrawn. And for delivery? Not yet, unfortunately.
If you think you might qualify for RMP or TANF, it’s worth checking with your local assistance office. You never know—you just might be able to enjoy a McDonald’s meal after all.
