12 the United Kingdom cards tracked, terms last checked 2026-10-01. Search a merchant, or pick the merchant category code (MCC) you're paying under, to see which card earns the most.
Type a shop, app or brand in the United Kingdom. We find its MCC and the card that earns the most there, including merchant-specific bonuses.
Every page then tells you which of your cards to use. Saved in this browser only.
Enter roughly what you spend each month. Miles use your mile value.
| MCC | Best miles | Best cashback | Cards excluding it |
|---|---|---|---|
| 4111 Local and Suburban Commuter Passenger Transportation | — | Santander Rewards Credit Card 3% cashback | — |
| 4121 Taxicabs and Limousines | — | Santander Rewards Credit Card 3% cashback | — |
| 4131 Bus Lines | — | Santander Rewards Credit Card 3% cashback | — |
| 4789 Transportation Services Not Elsewhere Classified | — | Santander Rewards Credit Card 3% cashback | — |
| MCC | Best miles | Best cashback | Cards excluding it |
|---|---|---|---|
| 4112 Passenger Railways | — | Santander Rewards Credit Card 3% cashback | — |
| MCC | Best miles | Best cashback | Cards excluding it |
|---|---|---|---|
| 4011 Railroads - Freight | — | Santander Rewards Credit Card 3% cashback | — |