Introducing the Toast Restaurant Card, the First Business Debit Card Purpose-Built for Restaurants

Nov 16, 2021

Today, Toast unveiled the new Toast Restaurant Card, which provides faster access to credit card sales and cash back rewards from select restaurant-specific merchants. Introduced at Spark, Toast’s restaurant innovation event, the Toast Restaurant Card is designed to address the lack of financial tools built for the unique needs of the restaurant industry.

“Quick access to capital can be one of the toughest challenges for a restaurant,” said Aman Narang, President and co-founder, Toast. “We built the Toast Restaurant Card from the ground up to meet the needs of the restaurant industry, offering faster access to sales and a rewards network to fuel growth. The Toast Restaurant Card is integrated into our all-in-one platform, so restaurants can manage their entire business from sales to finances all in a single place.”

How It Works

With the Toast Restaurant Card – a business debit Mastercard®, issued by Sutton Bank – restaurateurs get access to their deposits within an hour of their credit card batch, even on holidays and weekends, with deposits going directly into the card and ready to be spent right away anywhere Mastercard is accepted. When the card is used for purchases, users capture cashback savings as part of the card's restaurant-specific rewards program partners, which include FTD, Hedley & Bennett, Island Creek Oysters, Poached Jobs,, and SERVPRO.

“We'll often end up waiting several days for money from card sales to become available to us,” said Kent Esra, Owner at Cobblestone. “Balancing that reality with rent, payroll, inventory costs has always been one of the toughest parts of running a restaurant, so faster access really changes the equation.” 

In addition to card sales, funds accessed through Toast Capital – which provides simplified access to loans – can be deposited onto the Toast Restaurant Card account for easy access.

The Toast Restaurant Card has no sign-up fees, monthly maintenance fees, or hidden fees. Plus, there are no minimum opening deposit or minimum balance requirements. Fees charged by third-party ATM operators may apply.

Restaurant owners and operators can view the Spark session introducing Toast’s latest FinTech innovation here, including the Toast Restaurant Card, which is available to select users beginning this month with general availability to follow. 

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. 

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.

About Toast

Toast [NYSE: TOST] is a cloud-based, all-in-one digital technology platform purpose-built for the entire restaurant community. Toast provides a comprehensive platform of software as a service (SaaS) products and financial technology solutions that give restaurants everything they need to run their business across point of sale, payments, operations, digital ordering and delivery, marketing and loyalty, and team management. We serve as the restaurant operating system, connecting front of house and back of house operations across service models including dine-in, takeout, delivery, catering, and retail. Toast helps restaurants streamline operations, increase revenue, and deliver amazing guest experiences. For more information, visit