Plus: the best credit cards to use at The Ritz-Carlton for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
The Ritz-Carlton uses MCC code 7011 (Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)). The best credit card is the Hilton Honors Aspire, earning 14x rewards on this category.
The Ritz-Carlton transactions are processed under MCC 7011 (Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified), category: lodging). These cards earn the highest rewards:
| Card | Earning Rate | Annual Fee | Issuer | |
|---|---|---|---|---|
| Hilton Honors Aspire | 14x | $550/yr | American Express | Apply Now |
| Hilton Honors Surpass | 12x | $95/yr | American Express | Apply Now |
| Hilton Honors Business | 12x | $175/yr | American Express | Apply Now |
| Best Western Rewards Premium | 10x | $89/yr | FNBO | Apply Now |
| Choice Privileges Select | 10x | $95/yr | Wells Fargo | Apply Now |
Rates and fees as of April 2026. Verify with issuer before applying.
The Ritz-Carlton uses MCC code 7011, which is classified as "Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)". This determines which credit card bonus categories apply to purchases at The Ritz-Carlton.
The best credit card at The Ritz-Carlton is the Hilton Honors Aspire, which earns 14x points/miles on purchases coded as MCC 7011 (Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)).
The Ritz-Carlton uses MCC 7011 (Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)). This means purchases at The Ritz-Carlton do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).