If you receive benefits from the Supplemental Nutrition Assistance Program (SNAP), formerly known as food stamps, you can use your electronic benefit transfer (EBT) card to buy food at participating stores. Nearly all grocery stores accept EBT cards, but what about bakeries? Or grocery stores with bakeries? Are there bakeries that accept EBT? Because certain types of foods, such as “prepared foods,” can’t be purchased with SNAP benefits…

In this article, we’ll look at what you should know about buying baked goods like cookies, doughnuts, birthday cakes, specialty breads, and more with an EBT card and tell you which bakeries and grocery store chains accept EBT cards/food stamps as a payment method.

In This Article

You can use your EBT card to buy bakery items, including birthday cakes. The U.S. Department of Agriculture (USDA) Food and Nutrition Service website lists food items you can buy with EBT on their Supplemental Nutrition Assistance Program (SNAP) Eligible Food Items page and states that eligible food is defined as “any food or food product for home consumption.”

Specifically, the website states:

  • “Soft drinks, candy, cookies, snack crackers, and ice cream are food items and are therefore eligible items.”
  • “Seafood, steak, and bakery cakes are also food items and are therefore eligible items.”

This means you can use your EBT card to buy bakery items at any grocery store or retail bakery that accepts EBT/food stamps and participates in SNAP.

It is important to note, however, that you can’t use your EBT card to purchase baked goods at restaurants, fast food stores, or bakery cafes such as Panera Bread, Mrs. Fields, Perkins, and The Cheesecake Factory. Baked goods at these places are considered hot or prepared foods and are not eligible for EBT purchases.

Bakeries That Accept EBT/Food Stamps

The following retail bakeries and grocery stores accept EBT cards for bakery item purchases at all locations where fresh baked goods and pre-packaged baked goods are available.

1. Bimbo Bakeries USA Outlet Store

2. Franz Bakery Outlet Store

3. Great Harvest Bread Company

4. Pepperidge Farm Outlet Stores

Grocery Stores with Bakeries That Accept EBT/Food Stamps

5. Albertsons

  • Accepted payments: EBT, cash, debit card, credit card
  • Source: Customer service representative
  • Locations: AR, AZ, CA, CO, ID, LA, MT, ND, NM, NV, OK, TX, UT, WA, WY
  • Find your nearest Albertsons

6. Food Giant

  • Accepted payments: EBT, cash, debit card, credit card, personal check
  • Source: Customer service representative
  • Locations: AL, AR, FL, GA, IL, MO, MS, TN
  • Find your nearest Food Giant

7. Food Lion

  • Accepted payments: EBT, cash, debit card, credit card, personal check
  • Source: Customer service representative
  • Locations: DE, GA, KY, MD, NC, PA, SC, TN, VA, WV.
  • Find your nearest Food Lion

8. Giant Food

9. Hy-Vee

  • Accepted payments: EBT, cash, debit card, credit card, personal check
  • Source: Customer service representative
  • Locations: IA, IL, KS, MN, MO, NE, SD, WI
  • Find your nearest Hy-Vee

10. Kroger

NOTE: The Kroger family of stores includes Baker’s, City Market, Dillons, Fry’s Food, Gerbes, King Soopers, Owen’s, Ralphs, QFC, and Smith’s Food and Drug branded stores.

  • Accepted payments: EBT, cash, debit card, credit card, personal check
  • Source: Customer service representative
  • Locations: Stores in 31 states
  • Find your nearest Kroger

11. Meijer

12. Piggly Wiggly

  • Accepted payments: EBT, cash, debit card, credit card, personal check
  • Source: Customer service representative
  • Locations: AL, AR, FL, GA, KY, LA, MN, MO, MS, NC, OH, OK, SC, TN, VA, WV
  • Find your nearest Piggly Wiggly

13. Publix

14. Safeway

  • Accepted payments: EBT, cash, debit card, credit card, personal check
  • Source: Customer service representative
  • Locations: Stores in 20 states and Washington, D.C.
  • Find your nearest Safeway

15. Shaw’s

  • Accepted payments: EBT, cash, debit card, credit card
  • Source: Customer service representative
  • Locations: MA, ME, NH, RI, VT
  • Find your nearest Shaw’s

16. ShopRite

  • Accepted payments: EBT, cash, debit card, credit card, personal check
  • Source: Customer service representative
  • Locations: CT, DE, MD, NJ, NY, PA
  • Find your nearest ShopRite

17. Tops Friendly Markets

  • Accepted payments: EBT, cash, debit card, credit card, personal check
  • Source: Customer service representative
  • Locations: MA, NY, PA, VT
  • Find your nearest Tops

18. Walmart

19. Wegmans

20. Whole Foods

21. WinCo Foods

22. Winn-Dixie

  • Accepted payments: EBT, cash, debit card, credit card
  • Source: Customer service representative
  • Locations: AL, FL, GA, LA, MS
  • Find your nearest Winn-Dixie

If you’re not sure whether a bakery or grocery store near you accepts EBT cards, you can use the USDA SNAP Retail Locator to find out whether your favorite local store takes EBT cards.

In Summary

If you qualify for SNAP benefits, you can use your EBT card/food stamps to purchase baked goods at many retail bakeries and grocery stores throughout the country. However, you can’t use your EBT card/food stamps to buy baked goods at restaurants, fast food places, and bakery cafes. Some of the bakery items you can purchase with your benefits at grocery stores and bakeries include packaged cakes and cookies, birthday cakes, fresh bread, and doughnuts.