MCC 3523 covers PENNSULA HOTEL 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 Peninsula and The Ritz-Carlton use MCC 3523. Purchases for high-end hotel stays, luxury amenities, and room service are coded here.
Cardholders often误以为所有酒店住宿都会被归类为MCC 3523，但实际上只有高端和豪华酒店才会。
MCC 3523 stands for PENNSULA HOTEL. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the airline category.
Merchants classified under MCC 3523 (PENNSULA HOTEL) operate in the airline sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 3523 (PENNSULA HOTEL) 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 3523 (PENNSULA HOTEL). 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 3523 is assigned to businesses providing pennsula hotel services. While this is a less common merchant category, any purchase that posts with code 3523 will be classified as 'PENNSULA HOTEL' by your card issuer, which determines whether airline category bonuses apply to that transaction.
MCC 3523 (PENNSULA HOTEL) and MCC 3000 (UNITED AIRLINES) are both in the airline category but cover distinct merchant types. MCC 3523 is used for pennsula hotel 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.