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Toast Restaurant Card

The Toast Restaurant Card is a business debit card for restaurant owners. It offers faster1 access to your sales and a cash back rewards program built exclusively for restaurants.2

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Restaurant Loyalty Programs

Take control of your restaurant's finances

Fast

Access your daily sales even faster.

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Rewarding

Take advantage of rewards that matter.

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Simple

Manage all of your restaurant's fincances in one place

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Loyalty

Say goodbye to waiting for bank transfers

Get deposits 365 days a year, even on holidays and weekends
Receive your deposits within an hour of your credit card batch. your deposits will go directoly onto your Toast Restaurant Card.

Flexible spending and expense management
Spend your money right away anywhere Mastercard® is accepted, with options to set up Bill Pay or withdraw as cash.

No minimum balance requirements or sign-up fees
There are no sign-up fees, monthly maintenance fees, or hidden fees.3 Plus, no minimum opening deposit or minimum balance requirements.

Toast Go®

Business Rewards program built for restaurants2

Cash back from premium national and regional vendors
From cleaning services to kitchen equipment, you can get cash back rewards on purchases made at select restaurant-specific vendors. Click here to learn more about the participating vendors.

No need to enroll separately for the rewards program
Access to the rewards program is automatically available to you when you become a Toast Restaurant Card cardholder.

Easily search for available cash back offers
Simply log in to your Toast Restaurant Card dashboard to search for available cash back rewards and start saving away.

Toast Go®

A single partner for all of your restaurant’s financial needs

Gain a powerful view of your restaurant’s finances
View debit card activities and deposit history directly on your Toast Restaurant Card dashboard.

Designed to be compatible with your Toast POS
We’ve designed the Toast Restaurant Card to work seamlessly across the entire Toast platform.

Access fast funding through Toast Capital
If approved for a Toast Capital Loan, funding can be deposited onto the Toast Restaurant Card for you to start spending right away.4

Business Rewards program built for restaurants

Earn cash back rewards from these premium vendors.2

Get 5% cash back rewards on eligible purchases using your Toast Restaurant Card at Hedley & Bennett.

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Get 5% cash back rewards on eligible purchases using your Toast Restaurant Card at Island Creek Oysters.

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Get 10% cash back rewards on eligible purchases using your Toast Restaurant Card at Poached Jobs.

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Get 15% cash back rewards on eligible purchases using your Toast Restaurant Card at SERVPRO

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Get 5% cash back rewards on eligible purchases using your Toast Restaurant Card at Restaurantsupply.com.

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Get 12% cash back rewards on eligible purchases using your Toast Restaurant Card at FTD.

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Frequently Asked Questions

What is the Toast Restaurant Card?

How much does the Toast Restaurant Card cost?

How do I get a Toast Restaurant Card?

Where can I use my Toast Restaurant Card?

Can I split my deposit between my Toast Restaurant Card and another account?

1. Access to funds is typically within one hour after credit card batch.

2. Business Rewards terms and conditions apply. See full terms and conditions here.

3. Third-party fees charged by ATM operators may apply.

4. Toast Capital Loans are issued by WebBank, Member FDIC. Loans are subject to credit approval and may not be available in certain jurisdictions. WebBank reserves the right to change or discontinue this program without notice.

Toast Restaurant Cards are issued by Sutton Bank, Member FDIC, pursuant to license by Mastercard. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard. Terms and conditions apply. Details are subject to change.