MCC 5814 · Fast Food Restaurants · Food
For MCC 5814 (Fast Food 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 5814 as their main code. Seen a different code? Report it.
For MCC 5814 (Fast Food Restaurants) in the United Kingdom, the Santander Rewards Credit Card gives the highest cashback at 3%.
MCC 5814 is the merchant category code for Fast Food Restaurants (Food). Covers fast food restaurants where customers order and pay at a counter before receiving food, typically for takeaway or quick consumption. Full-service, sit-down restaurants use 5812, and bakeries use 5462; the split between 5812 and 5814 is a common source of confusion for dining rewards.
Merchants in the United Kingdom seen with MCC 5814 include Afters, Abokado, Amorino, AMT Coffee, Apache Pizza, All'Antico Vinaio, Attendant, Bakers + Baristas. 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.