MCC 3632 covers HOTELS/MOTELS/INNS/RESORTS 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.
Marriott, Hilton, and Hyatt are examples of businesses coded under MCC 3632. This includes all hotel stays, room service, and resort fees.
Cardholders often think restaurant meals in hotels use the same MCC as standalone restaurants, but they don't; these purchases fall under 3632.
MCC 3632 stands for Hotels/Motels/Inns/Resorts. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the airline category.
Merchants classified under MCC 3632 (Hotels/Motels/Inns/Resorts) operate in the airline sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 3632 (Hotels/Motels/Inns/Resorts) 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 3632 (Hotels/Motels/Inns/Resorts). 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 3632 is assigned to businesses providing hotels/motels/inns/resorts services. While this is a less common merchant category, any purchase that posts with code 3632 will be classified as 'Hotels/Motels/Inns/Resorts' by your card issuer, which determines whether airline category bonuses apply to that transaction.
MCC 3632 (Hotels/Motels/Inns/Resorts) and MCC 3000 (UNITED AIRLINES) are both in the airline category but cover distinct merchant types. MCC 3632 is used for hotels/motels/inns/resorts 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.