MCC 3431 covers REPLACEMENT RENT-A-CAR 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.
Hertz, Enterprise, and Avis use MCC 3431 for car rental replacements. This includes costs when renting a new car due to a previous one being damaged or unavailable.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 3431 (replacement rent-a-car). Your card issuer uses this code to determine whether airline category bonuses apply — so knowing which merchants trigger this code helps you choose the right card before you spend.
Cardholders often误以为此项MCC仅用于常规汽车租赁，而不包括因车辆损坏或不可用而替换的租车费用。
This distinction matters because different MCC codes can trigger different bonus rates on your credit card, even for similar types of merchants. Always check your transaction statement to confirm which MCC posted — some card issuers allow you to see the MCC in their app or online portal.
MCC 3431 stands for REPLACEMENT RENT-A-CAR. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the airline category.
Merchants classified under MCC 3431 (REPLACEMENT RENT-A-CAR) operate in the airline sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 3431 (REPLACEMENT RENT-A-CAR) 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 3431 (REPLACEMENT RENT-A-CAR). 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 3431 is assigned to businesses providing replacement rent-a-car services. While this is a less common merchant category, any purchase that posts with code 3431 will be classified as 'REPLACEMENT RENT-A-CAR' by your card issuer, which determines whether airline category bonuses apply to that transaction.
MCC 3431 (REPLACEMENT RENT-A-CAR) and MCC 3000 (UNITED AIRLINES) are both in the airline category but cover distinct merchant types. MCC 3431 is used for replacement rent-a-car 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.