MCC 3658 covers OTANI 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.
Hilton, Marriott, and Holiday Inn use MCC 3658 for hotel transactions. Specific purchases coded here include room rates, incidentals like spa services, and catering.
Cardholders often think dining expenses at hotels fall under the restaurant category, but they're actually coded as hotel charges.
MCC 3658 stands for OTANI HOTELS. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the airline category.
Merchants classified under MCC 3658 (OTANI HOTELS) operate in the airline sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 3658 (OTANI 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 3658 (OTANI 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 3658 is assigned to businesses providing otani hotels services. While this is a less common merchant category, any purchase that posts with code 3658 will be classified as 'OTANI HOTELS' by your card issuer, which determines whether airline category bonuses apply to that transaction.
MCC 3658 (OTANI HOTELS) and MCC 3000 (UNITED AIRLINES) are both in the airline category but cover distinct merchant types. MCC 3658 is used for otani 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.