Subtotal

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Eat out, save up. Get up to 10% cash back when eating out with Subtotal. Now supporting Apple Pay.

Subtotal lets you eat at your favorite restaurants while saving money towards the things that matter most, like your mortgage, health insurance, or something else.

"I took my husband out for dinner at Applebee's and got $9 back to put towards my monthly mortgage payment." - Galina from Cleveland, OH

"There's literally no reason to not use Subtotal." - Doug from San Francisco, CA

Pay with Subtotal and save at many great restaurants including Applebee's, Burger King, California Pizza Kitchen, Chili's, Cold Stone, Domino's Pizza, Panera Bread, Steak 'n Shake, and more.

Step 1) At the end of your meal, select your restaurant.
Step 2) Follow the on-screen instructions to enter and pay your bill. Now supporting Apple Pay.
Step 3) Present the on-screen barcode to your waiter. Subtotal works just like a gift card. You're receive your cash back in just a few days!

Subtotal works at the following restaurants:

Applebee's
Black Angus Steakhouse
Bonefish Grill
Boston Market
Buffalo Wild Wings
Burger King
Chili's
Cold Stone Creamery
Domino's Pizza
IHOP
Krispy Kreme
Landry's
Landry's Seafood
Omaha Steaks
Outback Steakhouse
Panera Bread
Papa John's
Red Robin
Romano's Macaroni Grill
Steak 'n Shake

and we're constantly working to add more!

FAQ

Q: How does it work?
A: When eating out at restaurants, at the end of the meal, just use Subtotal to instantly buy a gift card for your exact bill total. Every dollar you spend through Subtotal earns you cash back towards your major life goals, whether it's your college tuition, a down payment on a house, or something else. Your cash back is automatically issued back to the credit card you used for payment. It's the easiest way to save up!

Q: Is Subtotal safe?
A: Subtotal is an extremely safe way to pay. Your credit card information is secured before processing using industry-standard 256-bit SSL encryption. You can also checkout without providing your credit card number using Apple Pay. This uses the Secure Element chip along with your thumbprint or password to store your payment information safely. Please see Subtotal Policies for more information about how Subtotal protects your privacy and safety.

Q: Where do the gift cards come from?
A: Subtotal works with hundreds of restaurants as an approved partner. We guarantee that your purchase will go smoothly through the Subtotal secure checkout flow. All sales are fully warrantied. Beware of gift cards sold through online marketplaces which are often mislabelled or stolen.

Q: Okay, so I pay the restaurant with a gift card. But how do I pay Subtotal?
A: Subtotal accepts Apple Pay and all major credit cards. The Subtotal checkout is fast, convenient, and secure.

Q: Can I combine Subtotal with other coupons or promotions?
A: Absolutely! Subtotal is a payment option, not a restaurant coupon or restaurant promo code. We recommend combining promotions with Subtotal to save the most money.

Q: Will I still get points/cashback on my credit card if I use Subtotal?
A: Yes. However since your card will be charged by Subtotal and not the restaurant, your rewards will fall in the General category.                    
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