MCC 5812 · Eating Places, Restaurants · Food
For MCC 5812 (Eating Places, Restaurants) in the United Kingdom, the Santander Rewards Credit Card gives the highest cashback at 3%.
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 Rewards Credit Card
Restaurants, cafes, takeaways and food delivery
3% only during the first 12 months from account opening, then 0.25%. MCC-based (Mastercard assigns MCCs). Most pubs, bars and nightclubs are not coded 5812 and earn 0.25%. BNPL purchases may carry the lender's MCC.
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 ·
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 5812 as their main code. Seen a different code? Report it.
For MCC 5812 (Eating Places, Restaurants) in the United Kingdom, the Santander Rewards Credit Card gives the highest cashback at 3%.
MCC 5812 is the merchant category code for Eating Places, Restaurants (Food). MCC 5812 covers eating places and restaurants, including full-service restaurants, cafes with table service, and restaurant dining. It is frequently confused with 5814 (fast food restaurants) and 5813 (bars and nightclubs); a restaurant's code depends on how the acquirer classified it, so similar venues can carry different codes and earn differently under dining rewards.
Merchants in the United Kingdom seen with MCC 5812 include ASK Italian, Arepa & Co, Bar + Block, Beefeater, Bella Italia, Banana Tree, Bill's, Bone Daddies. 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.