MCC 3541 covers HOTEL OKURA 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.
Hotel Okura Tokyo and the Okura Prestige Kyoto use MCC 3541. Specific purchases include hotel stays, room services, and dining at on-site restaurants.
Cardholders often think that all travel expenses are coded as airline MCCs, but hotel bookings go under their specific code like 3541.
MCC 3541 stands for HOTEL OKURA. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the airline category.
Merchants classified under MCC 3541 (HOTEL OKURA) operate in the airline sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 3541 (HOTEL OKURA) 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 3541 (HOTEL OKURA). 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 3541 is assigned to businesses providing hotel okura services. While this is a less common merchant category, any purchase that posts with code 3541 will be classified as 'HOTEL OKURA' by your card issuer, which determines whether airline category bonuses apply to that transaction.
MCC 3541 (HOTEL OKURA) and MCC 3000 (UNITED AIRLINES) are both in the airline category but cover distinct merchant types. MCC 3541 is used for hotel okura 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.