How to Maximize Subway MVP Rewards

Team Genius
Written by Team Genius 
on May 21, 2026
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Accuracy is important to us so this article has gone through a thorough 3-stage review process and fact-checked by our team.

Subway has made a lot of changes to its loyalty rewards program over the past few years, from its name to its function. The once token-based Subway MyWay Rewards was replaced by the point-based Subway MVP Rewards in late 2023.

With this change, Subway ditched sandwich-counting tokens for a points-based system. Now, you earn points on each purchase – and you can redeem those points for discounts. Plus, there are tiered membership levels with added perks as you move up.

We'll explain what the points are worth, break down the different membership levels, and share some credit card recommendations that can help you earn cash back or rewards for your next sandwich run.

Key Takeaways

  • Subway’s MVP Rewards program gives 10 to 12 points per $1 spent at the sandwich shop.
  • Redeem 400 points for $2 in Subway Cash.
  • Elite status members earn extra perks, like free chips on Fridays, Subway swag, and exclusive bonus earn days.

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What are Subway MVP Rewards?

With Subway MVP Rewards, you earn points every time you order and can use them to save on your next purchase.

There are also membership tiers that unlock extra perks as you move up – like bonus points, special offers, and occasional freebies.

Plus, you can earn a mix of rewards at every level, like free chip Fridays, and some exclusive Subway swag.

Subway MVP Rewards overview

Before you sign up for Subway's rewards program, take a look at the program's benefits and drawbacks.

Pros:

  • Free to join
  • Pick how you want to use your points
  • Birthday freebie every year
  • Elite membership tiers earn merchandise and goodies
  • Free chips on Fridays with any purchase

Cons:

  • Subway frequently changes the program
  • Not as valuable as it used to be
  • Only available online or in the app (so be wary of data collection)
  • Very limited rewards for the most elite membership tier

What are Subway MVP Rewards worth?

Unlike some rewards programs that have variable reward values, Subway points are straightforward. You only have 1 redemption option, so you don't have to worry about throwing away points on low-value redemptions.

To determine their value, we look at how much each point is worth. This shows us the cents per point (CPP).

Cost of reward in $CAD / cost of reward in points x 100 = value in cents per point (CPP)

Because you can only redeem points in increments of 400 for $2 in Subway Cash, that works out to a CPP of 0.5.

How to earn Subway MVP Rewards

The only way to earn Subway points is to buy food at Subway. Sign up for a membership online or through the Subway app.

Once you're logged in, place your order. That's it!

Matt Brisby, Director of Growth at moneyGenius says: Ever ordered so many subs that you cash out your points for a pair of socks, a tote bag, or even more subs? I have. You should. We don’t do it enough. Subway MVP Rewards are the true MVP of underrated rewards programs. You get extra points for ordering through the app (which is faster than ordering in person), and the points add up quickly. If Subway ever puts out a credit card partnership for MVP Rewards, I will be #1 on that wait list.

If you're buying Subway in person, scan your app, enter your phone number, or swipe a gift card linked to your account when you're checking out to earn points.

Subway MVP Rewards membership levels

Anyone can join Subway MVP Rewards and instantly become a Pro member. But by making purchases, you'll climb the ranks to elite status.

Here's what that gets you.

ProCaptainAll-Star
Total spending needed in a year to reach status:$0$200$400
Spend $1 and earn10 points11 points12 points
Earn 5% more for digital orders
Member-only deals, exclusives, and challenges
Birthday and member anniversary freebies
Extra bonus earn days
Access to Subway Swag
Free chip Fridays (with purchase)

Best credit cards for Subway MVP Rewards

Savvy spenders know that if you're not using the right credit card to pay for your meal, you're missing out on valuable rewards or cash back on your purchase. Sure, you're earning Subway Cash – but earning extra is nice too!

Here's the plan: Pay for your Subway meal with a credit card that gives you rewards or cash back at a high base rate or for restaurant or food delivery purchases. We've listed some of our favourite options to give you a few ideas.

Card nameAnnual feeEarn rate for restaurants (Subway)Average rate of returnLearn more
American Express Cobalt Card $191.885 points per $1 spent4.5%Learn more
MBNA Rewards World Elite Mastercard $1205 points per $1 spent2.86%Learn more
Scotiabank Gold American Express Card $1205 points per $1 spent2.45%Learn more

How to redeem Subway MVP Rewards

For every 400 points you redeem, you get $2 in Subway Cash that can be used for food or drinks.

When you're ready to order in the restaurant, scan your app or enter your phone number. Then, you can select how many points you'd like to redeem. If you're ordering online, just log in to your account on the website or in the app. Again, just decide how many points you'd like to redeem when you place your order.

Subway MVP Rewards vs. other loyalty programs

It's easy to sign up for loyalty rewards programs just about anywhere. But if you don't want to keep track of multiple memberships, choose just a few that you know offer great value.

Take a look at how Subway MVP Rewards compares to a few popular restaurant programs, MyMcDonald's Rewards and Tims Rewards.

Subway MVP RewardsMyMcDonald's RewardsTims Reward Program
Cents per points (CPP) value0.5 CPPUp to 1.2 CPP* 0.5 CPP on average
* Up to 0.83 CPP
Co-branded credit card availableNoNoYes
Elite status opportunityYesNoNo
Redemption optionsDiscounts on food and drinks at SubwayDiscounts on food and drinks at McDonald'sDiscounts on food and drinks at Tim Hortons
Birthday reward YesNoYes
Minimum number of points to redeem4002,000300

FAQ

What rewards can you get from Subway?

As a Subway MVP Rewards member, you earn points that you can redeem for Subway Cash – how you get a discount on food and drinks. The more you spend, the more perks you unlock, like bonus earn days, Subway swag, and free chips on Fridays.

Can you get a free sub from Subway on your birthday?

As an MVP Rewards member, you'll get your choice of a free cookie. If you're at Captain level, you get the cookie, plus a free 20-ounce fountain drink. If you're an All-Star member, you'll get the cookie, drink, and a free 6-inch sub.

What are the three tiers of Subway rewards?

Everyone who signs up for MVP Rewards automatically starts at the Pro level. Then, once you've spent $200 at Subway, you'll move to Captain level. After spending $400 in a calendar year, you'll be an All-Star member.

What are 400 Subway points worth?

400 points is worth $2 in Subway Cash that you can redeem for – you guessed it – for food and drinks at Subway. You can redeem points in 400-point increments, but you'll need to redeem them or keep earning through purchases every 6 months to keep them active.

Do Subway Rewards points expire?

As long as you make a purchase at Subway or redeem Subway Cash at least once every 6 months, your rewards points will stay active. If you go longer than 180 days between purchases or redemptions, your points will expire.

How many points do you need at Subway to get $2 off?

You'll need to earn 400 Subway MVP points to get $2 in Subway Cash. Remember, you earn points by making qualifying purchases. Pro members earn 10 points per $1 spent, while All-Stars earn 12 points per $1 spent.

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