1.American Express Platinum Card
American Express
- 1%Membership Rewards points for every £1 spent
Earn 50,000 Membership Rewards points after you spend £6,000 in your first three months of cardmembership.
Earn 1 Membership Rewards point for every £1 you spend.
29.1% variable
The American Express Platinum Card stands out as the top choice because of its extensive travel benefits and high welcome bonus, making it ideal for frequent travelers who can leverage its perks.
Pros:
- Extensive travel and lifestyle perks
- High welcome bonus
Cons:
- High annual fee
- Requires significant spending to maximize benefits
2.British Airways American Express Card
American Express
- 2%On Business Points for every £1 spent with British Airways
- 1%Avios on purchases for every £1 spent
Collect 5,000 bonus Avios when you spend £2,000 in your first three months of cardmembership.
Earn 1 Avios for every £1 spent, and 2 On Business Points for every £1 spent with British Airways.
29.1% variable
What sets the British Airways American Express Card apart is its ability to earn Avios on everyday spending, making it a great choice for those who frequently fly with British Airways.
Pros:
- No annual fee
- Earn Avios on everyday spending
Cons:
- Limited rewards compared to premium cards
- Lower earning rate on non-BA purchases
3.Yonder Credit Card
Yonder
- 5%Points for every £1 spent
Up to 20,000 welcome points (worth about £100) on its paid Full Credit Card.
Earn 5 points for every £1 spent on the Full Membership Card.
31.6% variable
The standout feature of the Yonder Credit Card is its high earning rate of 5 points for every £1 spent, making it an excellent option for those who want to maximize rewards on everyday purchases.
Pros:
- High earning rate on everyday spending
- No foreign transaction fees
Cons:
- Monthly fee for full membership
- Higher APR
Did you know?
Paying your statement in full avoids most APR charges. Rewards only beat interest costs when you never carry a balance.
Final Words
As you explore the best restaurant credit cards this September 2026 in the UK, remember that choosing the right card can enhance your dining experiences while maximizing rewards. Take time to compare your options carefully and make informed decisions that align with your spending habits.
Frequently Asked Questions
The American Express Platinum Card offers a welcome bonus of 50,000 Membership Rewards points after you spend £6,000 in your first three months of cardmembership. You can earn 1 Membership Rewards point for every £1 you spend, making it ideal for those who frequently spend on travel and dining.
With the British Airways American Express Card, you can collect 5,000 bonus Avios when you spend £2,000 in your first three months of cardmembership. Additionally, you earn 1 Avios for every £1 spent, and 2 On Business Points for every £1 spent with British Airways, providing great rewards for frequent flyers.
The Yonder Credit Card offers up to 20,000 welcome points (worth about £100) on its paid Full Credit Card. You earn 5 points for every £1 spent, making it a strong choice for those who want to maximize their rewards on everyday purchases.
Many restaurant credit cards do have annual fees, especially those with premium rewards. However, you can also find cards with no annual fees that still offer valuable rewards, so it's important to compare your options based on your spending habits.
When selecting a restaurant credit card, consider the rewards structure, annual fees, and any welcome bonuses. It's also helpful to look at how the card's rewards align with your spending patterns to ensure you maximize your benefits.
To compare restaurant credit cards, examine their reward rates, welcome bonuses, annual fees, and any additional benefits like cashback or travel perks. It's also useful to read user reviews and check for any restrictions or limitations on rewards.
Applying for restaurant credit cards typically involves filling out an online application form, where you'll provide personal and financial information. After submitting your application, the issuer will assess your creditworthiness and notify you of their decision.
