MCC 3112 covers WINDWARD ISLAND 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.
Delta Air Lines, Hawaiian Airlines, and JetBlue Airways use MCC 3112. Cardholders earn rewards on airfare, baggage fees, and airport lounge access at these airlines.
Cardholders often think any travel booking earns points, but only airline ticket purchases qualify under MCC 3112.
MCC 3112 stands for WINDWARD ISLAND. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the airline category.
Merchants classified under MCC 3112 (WINDWARD ISLAND) operate in the airline sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 3112 (WINDWARD ISLAND) 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 3112 (WINDWARD ISLAND). 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 3112 is assigned to businesses providing windward island services. While this is a less common merchant category, any purchase that posts with code 3112 will be classified as 'WINDWARD ISLAND' by your card issuer, which determines whether airline category bonuses apply to that transaction.
MCC 3112 (WINDWARD ISLAND) and MCC 3000 (UNITED AIRLINES) are both in the airline category but cover distinct merchant types. MCC 3112 is used for windward island 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.