MCC 3646 covers SWALLOW 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.
Marriott, Hilton, and Best Western use MCC 3646. This code applies to hotel stays, room service charges, and event bookings.
Cardholders often think dining at a hotel restaurant gets coded as 3646, but it's usually under food services (5812).
MCC 3646 stands for SWALLOW HOTELS. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the airline category.
Merchants classified under MCC 3646 (SWALLOW HOTELS) operate in the airline sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 3646 (SWALLOW 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 3646 (SWALLOW 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 3646 is assigned to businesses providing swallow hotels services. While this is a less common merchant category, any purchase that posts with code 3646 will be classified as 'SWALLOW HOTELS' by your card issuer, which determines whether airline category bonuses apply to that transaction.
MCC 3646 (SWALLOW HOTELS) and MCC 3000 (UNITED AIRLINES) are both in the airline category but cover distinct merchant types. MCC 3646 is used for swallow 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.