1.The Platinum Card from American Express
American Express
- 3Points on eligible purchases
- 1Points on all other purchases
Earn 75,000 Membership Rewards points + £250 Amex Travel credit for spending £6,000 in 3 months.
Earn 3 Membership Rewards points for every £1 spent on eligible purchases.
688.5% APR variable
The Platinum Card from American Express stands out as the top choice because it offers unparalleled travel benefits, including extensive lounge access and a substantial welcome bonus, making it ideal for frequent travelers who can leverage its perks.
Pros:
- Extensive lounge access
- Substantial welcome bonus
Cons:
- High annual fee
- High APR
2.Marriott Bonvoy American Express Card
American Express
- 6XPoints at Marriott properties
- 2XPoints on general purchases
Earn 20,000 bonus Marriott Bonvoy points after spending £3,000 in the first three months.
Earn 6X points at Marriott properties and 2X on general purchases.
52.9% Variable APR
The Marriott Bonvoy American Express Card stands out as the top choice because it offers a generous welcome bonus of 20,000 points, which can significantly enhance your travel rewards. With automatic Silver Status and 15 Elite Night Credits, it accelerates your journey towards elite status in the Marriott Bonvoy program.
Pros:
- Generous welcome bonus
- Automatic Silver Status
Cons:
- Limited to Marriott properties
- Annual fee applies
- 4%Points on foreign currency spend
- 2%Points on UK spend
Receive 40,000 reward points when you spend £2,000 in the first 90 days.
Earn 4 points for every £1 spent abroad and 2 points for every £1 spent in the UK.
100.2% APR (variable)
What sets the HSBC Premier World Elite Mastercard apart is its generous rewards structure, offering 4 points per £1 spent abroad, making it a strong choice for international travelers.
Pros:
- Strong rewards for international spending
- Decent welcome bonus
Cons:
- Annual fee is moderate
- Limited rewards on UK spend
Final Words
In conclusion, choosing the best restaurant credit card for your needs this February 2026 requires careful consideration of rewards, fees, and benefits. Take time to compare your options to ensure you select a card that aligns with your spending habits and maximizes your rewards.
Frequently Asked Questions
The Platinum Card from American Express offers a welcome bonus of 75,000 Membership Rewards points + £250 Amex Travel credit for spending £6,000 in 3 months. Additionally, you earn 3 Membership Rewards points for every £1 spent on eligible purchases.
With the Marriott Bonvoy American Express Card, you can earn 20,000 bonus Marriott Bonvoy points after spending £3,000 in the first three months. This makes it a great option for frequent Marriott guests.
The Platinum Card from American Express offers 3 Membership Rewards points for every £1 spent on eligible purchases, while the Marriott Bonvoy Card provides 6X points at Marriott properties and 2X on general purchases. Depending on where and how you spend, one may offer more benefits than the other.
The HSBC Premier World Elite Mastercard has an annual fee of £290. This fee is important to consider in relation to the rewards and benefits it offers.
To choose the best restaurant credit card, consider factors such as your spending habits, the types of rewards you value (cashback, points, etc.), and any annual fees associated with the card. Compare the benefits and rewards of multiple cards to find one that aligns with your lifestyle.
Eligibility requirements for restaurant credit cards typically include being at least 18 years old, having a good credit score, and meeting minimum income thresholds. Each card may have specific criteria, so it's essential to check the details before applying.
Annual Percentage Rates (APR) on restaurant credit cards can vary significantly, with some cards offering lower rates while others charge higher rates. It's crucial to understand the APR, especially if you plan to carry a balance, as high rates can lead to substantial interest charges.
With the HSBC Premier World Elite Mastercard, you earn 4 points for every £1 spent abroad and 2 points for every £1 spent in the UK. This makes it an excellent choice for frequent travelers who spend internationally.
