MCC 3002 covers PAN AMERICAN merchants, classified under airline. To maximize rewards at these businesses, look for credit cards with broad spending bonuses or airline category multipliers. MCC Lookup Tool to find which cards earn bonus rewards here.
American Airlines, Delta, and United use MCC 3002. Purchases like flights, upgrades, and airport lounge access are coded here.
Cardholders often think dining or retail purchases get coded as MCC 3002. Surprises include seeing fuel charges for rental cars tagged under this code.
MCC 3002 stands for PAN AMERICAN. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the airline category.
Merchants classified under MCC 3002 (PAN AMERICAN) operate in the airline sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 3002 (PAN AMERICAN) is not currently a dedicated bonus category for most major credit cards. For airline spending at these merchants, a flat-rate rewards card (1.5–2% on all purchases) is typically your most reliable option. Use our MCC Lookup Tool to find the best card for any specific merchant.
Currently, no credit cards in our database have a dedicated bonus category for MCC 3002 (PAN AMERICAN). Most purchases posting with this code will earn base rewards (typically 1–1.5x on everyday cards). A flat-rate cashback card is the most predictable choice for airline spending.
MCC 3002 is assigned to businesses providing pan american services. While this is a less common merchant category, any purchase that posts with code 3002 will be classified as 'PAN AMERICAN' by your card issuer, which determines whether airline category bonuses apply to that transaction.
MCC 3002 (PAN AMERICAN) and MCC 3000 (UNITED AIRLINES) are both in the airline category but cover distinct merchant types. MCC 3002 is used for pan american businesses, while MCC 3000 is assigned to united airlines merchants. Both may qualify for the same bonus category on your card — check your card's terms or use our MCC Lookup Tool to confirm.