MCC 5499 · Miscellaneous Food Stores (Convenience, Markets, etc.) · Food Retail
For MCC 5499 (Miscellaneous Food Stores (Convenience, Markets, etc.)) in the United Kingdom, the Santander Edge Explorer Current Account (debit card) gives the highest cashback at 1% (cap: £10 per monthly period for debit card cashback (separate £10 cap for household-bill Direct Debits, max £20 total)).
Tick the cards you hold to see which one to use here.
Based on published card terms, last checked 2026-10-01. Rates, caps and exclusions change; confirm with your bank before relying on them.
Miles are converted at your mile value; points cards without a published point value are listed separately below.
1.Barclaycard Avios Plus Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
2.British Airways American Express Premium Plus Card
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
4.British Airways American Express Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
1.Santander Edge Explorer Current Account (debit card)
Supermarkets (UK debit card spend)
UK purchases only; merchant must be on Santander's Eligible Merchant Category Classification Listing
Terms checked 2026-09-24 · Issuer terms ·
2.American Express Platinum Cashback Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
3.American Express Platinum Cashback Everyday Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
4.Santander All in One Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
5.Barclaycard Rewards Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
6.Santander Rewards Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
1.HSBC Premier World Elite Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
2.American Express Preferred Rewards Gold Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
Highlighted merchants use MCC 5499 as their main code. Seen a different code? Report it.
For MCC 5499 (Miscellaneous Food Stores (Convenience, Markets, etc.)) in the United Kingdom, the Santander Edge Explorer Current Account (debit card) gives the highest cashback at 1% (cap: £10 per monthly period for debit card cashback (separate £10 cap for household-bill Direct Debits, max £20 total)).
MCC 5499 is the merchant category code for Miscellaneous Food Stores (Convenience, Markets, etc.) (Food Retail). MCC 5499 covers miscellaneous food stores such as convenience stores, specialty food markets, delicatessens, bakeries selling for take-home, and health food shops. It is commonly confused with 5411 (grocery stores and supermarkets); smaller food stores and convenience chains often use 5499, so they may not qualify for supermarket rewards categories.
Merchants in the United Kingdom seen with MCC 5499 include Sainsbury's Local, Applegreen, Premier, Premier Express, Family Shopper, Shop'N Drive, SimplyFresh, USave. A merchant's MCC can differ by payment channel, so check the code on your statement.
MCC Explorer is independent and not affiliated with any bank. Card rules are summarised from each issuer's published terms; we don't guarantee that a transaction will earn rewards.