Best credit card for MCC 9751 in the United Kingdom

MCC 9751 · U.K. Supermarkets - Electronic Hot File · Retail

For MCC 9751 (U.K. Supermarkets - Electronic Hot File) 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.

Cards ranked for MCC 9751

Best overall

1 mile is worth£

1.Barclaycard Avios Plus Card1.5 mpd≈ 1.5% back
2.British Airways American Express Premium Plus Card1.5 mpd≈ 1.5% back
3.Barclaycard Avios Card1 mpd≈ 1.0% back
4.British Airways American Express Credit Card1 mpd≈ 1.0% back
5.Santander Edge Explorer Current Account (debit card)1% cashback · cap: £10 per monthly period for debit card cashback (separate £10 cap for household-bill Direct Debits, max £20 total)≈ 1.0% back

Miles are converted at your mile value; points cards without a published point value are listed separately below.

Miles cards

1.Barclaycard Avios Plus Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
1.5 mpd
2.British Airways American Express Premium Plus Card
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
1.5 mpd
3.Barclaycard Avios Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
1 mpd
4.British Airways American Express Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
1 mpd

Cashback cards

1.Santander Edge Explorer Current Account (debit card)
Supermarkets (UK debit card spend)
Cap £10 per monthly period for debit card cashback (separate £10 cap for household-bill Direct Debits, max £20 total)
UK purchases only; merchant must be on Santander's Eligible Merchant Category Classification Listing
Terms checked 2026-09-24 · Issuer terms ·
1% cashback
2.American Express Platinum Cashback Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.75% cashback
3.American Express Platinum Cashback Everyday Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.5% cashback
4.Santander All in One Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.5% cashback
5.Barclaycard Rewards Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.25% cashback
6.Santander Rewards Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.25% cashback

Points cards

1.HSBC Premier World Elite Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
3 pts per £1
2.American Express Preferred Rewards Gold Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
1 pts per £1

Sources (24)

FAQ

Which credit card is best for MCC 9751 in the United Kingdom?

What is MCC 9751?

MCC 9751 is the merchant category code for U.K. Supermarkets - Electronic Hot File (Retail). MCC 9751 is a network-internal code associated with U.K. supermarkets and the Electronic Hot File, a list used for checking cards in authorisation processing. It is not a retail merchant category in normal use; UK supermarket purchases are coded 5411.

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.