MCC 3654 covers LOEWS 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.
Loews Hotels, a well-known hotel chain, uses MCC 3654. Specific purchases include room bookings and on-site services like dining and spa.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 3654 (loews hotels). Your card issuer uses this code to determine whether airline category bonuses apply — so knowing which merchants trigger this code helps you choose the right card before you spend.
Cardholders often think all hotels use the same MCC but Loews Hotels has its unique code. Other hotel chains may use different codes.
This distinction matters because different MCC codes can trigger different bonus rates on your credit card, even for similar types of merchants. Always check your transaction statement to confirm which MCC posted — some card issuers allow you to see the MCC in their app or online portal.
MCC 3654 stands for LOEWS HOTELS. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the airline category.
Merchants classified under MCC 3654 (LOEWS HOTELS) operate in the airline sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 3654 (LOEWS 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 3654 (LOEWS 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 3654 is assigned to businesses providing loews hotels services. While this is a less common merchant category, any purchase that posts with code 3654 will be classified as 'LOEWS HOTELS' by your card issuer, which determines whether airline category bonuses apply to that transaction.
MCC 3654 (LOEWS HOTELS) and MCC 3000 (UNITED AIRLINES) are both in the airline category but cover distinct merchant types. MCC 3654 is used for loews 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.