MCC 3182 covers LOT (POLAND) 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.
In Poland, LOT Polish Airlines uses MCC 3182. So do smaller charter companies like Pegasus and Bryza.
Cardholders often think only major airlines use this code but many small and charter flights also fit under 3182.
MCC 3182 stands for LOT (POLAND). It is a four-digit Merchant Category Code used by payment networks to classify businesses in the airline category.
Merchants classified under MCC 3182 (LOT (POLAND)) operate in the airline sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 3182 (LOT (POLAND)) 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 3182 (LOT (POLAND)). 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 3182 is assigned to businesses providing lot (poland) services. While this is a less common merchant category, any purchase that posts with code 3182 will be classified as 'LOT (POLAND)' by your card issuer, which determines whether airline category bonuses apply to that transaction.
MCC 3182 (LOT (POLAND)) and MCC 3000 (UNITED AIRLINES) are both in the airline category but cover distinct merchant types. MCC 3182 is used for lot (poland) 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.