MCC 3512 covers INTER-CONTINENTAL HOTELS 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.
InterContinental Hotels uses MCC 3512 for all their hotel bookings. Other chains like Marriott and Hilton may also use similar codes for room charges, dining, or spa services at their properties.
Cardholders often think that only the initial hotel reservation fee is coded as 3512, but it includes additional on-property expenses like food and drinks.
MCC 3512 stands for INTER-CONTINENTAL HOTELS. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the airline category.
Merchants classified under MCC 3512 (INTER-CONTINENTAL HOTELS) operate in the airline sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 3512 (INTER-CONTINENTAL HOTELS) 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 3512 (INTER-CONTINENTAL HOTELS). 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 3512 is assigned to businesses providing inter-continental hotels services. While this is a less common merchant category, any purchase that posts with code 3512 will be classified as 'INTER-CONTINENTAL HOTELS' by your card issuer, which determines whether airline category bonuses apply to that transaction.
MCC 3512 (INTER-CONTINENTAL HOTELS) and MCC 3000 (UNITED AIRLINES) are both in the airline category but cover distinct merchant types. MCC 3512 is used for inter-continental hotels 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.