MCC 3521 covers CREST HOTELS (SEE FORTE 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.
Hotels like Forte and CREST use MCC 3521. Charges for room rates, incidentals, and food services at these hotels are coded here.
Cardholders often think purchases from hotel gift shops or restaurants get coded under this MCC, but they don't; those go to other codes.
MCC 3521 stands for CREST HOTELS (see FORTE HOTELS). It is a four-digit Merchant Category Code used by payment networks to classify businesses in the airline category.
Merchants classified under MCC 3521 (CREST HOTELS (see FORTE HOTELS)) operate in the airline sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 3521 (CREST HOTELS (see FORTE 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 3521 (CREST HOTELS (see FORTE 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 3521 is assigned to businesses providing crest hotels (see forte hotels) services. While this is a less common merchant category, any purchase that posts with code 3521 will be classified as 'CREST HOTELS (see FORTE HOTELS)' by your card issuer, which determines whether airline category bonuses apply to that transaction.
MCC 3521 (CREST HOTELS (see FORTE HOTELS)) and MCC 3000 (UNITED AIRLINES) are both in the airline category but cover distinct merchant types. MCC 3521 is used for crest hotels (see forte 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.