MCC 3712 covers GOLDEN CHAIN HOTEL 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.
Golden Chain Hotel, Best Western Plus, and Holiday Inn are examples. Purchases for room bookings and hotel services get coded here.
Cardholders often think dining expenses at hotels go under this MCC too, but they usually don't.
MCC 3712 stands for GOLDEN CHAIN HOTEL. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the airline category.
Merchants classified under MCC 3712 (GOLDEN CHAIN HOTEL) operate in the airline sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 3712 (GOLDEN CHAIN HOTEL) 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 3712 (GOLDEN CHAIN HOTEL). 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 3712 is assigned to businesses providing golden chain hotel services. While this is a less common merchant category, any purchase that posts with code 3712 will be classified as 'GOLDEN CHAIN HOTEL' by your card issuer, which determines whether airline category bonuses apply to that transaction.
MCC 3712 (GOLDEN CHAIN HOTEL) and MCC 3000 (UNITED AIRLINES) are both in the airline category but cover distinct merchant types. MCC 3712 is used for golden chain hotel 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.