MCC 3432 covers RESERVE 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 are real businesses with MCC 3432. This code covers all car rental expenses from daily rentals to long-term leases.
Cardholders often think fuel purchases at airport counters use the same code but they don't; those go under a different category.
MCC 3432 stands for RESERVE 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 3432 (RESERVE RENT-A-CAR) operate in the airline sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 3432 (RESERVE 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 3432 (RESERVE 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 3432 is assigned to businesses providing reserve rent-a-car services. While this is a less common merchant category, any purchase that posts with code 3432 will be classified as 'RESERVE RENT-A-CAR' by your card issuer, which determines whether airline category bonuses apply to that transaction.
MCC 3432 (RESERVE RENT-A-CAR) and MCC 3000 (UNITED AIRLINES) are both in the airline category but cover distinct merchant types. MCC 3432 is used for reserve 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.