MCC 3745 covers ST. REGIS 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.
The St. Regis Hotel and other luxury hotels use MCC 3745 for charges related to high-end accommodations, spa services, and fine dining.
Cardholders often误以为所有酒店消费都会被归类到这个MCC，实际上只有高端豪华酒店才会使用。
MCC 3745 stands for ST. REGIS HOTEL. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the airline category.
Merchants classified under MCC 3745 (ST. REGIS HOTEL) operate in the airline sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 3745 (ST. REGIS 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 3745 (ST. REGIS 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 3745 is assigned to businesses providing st. regis hotel services. While this is a less common merchant category, any purchase that posts with code 3745 will be classified as 'ST. REGIS HOTEL' by your card issuer, which determines whether airline category bonuses apply to that transaction.
MCC 3745 (ST. REGIS HOTEL) and MCC 3000 (UNITED AIRLINES) are both in the airline category but cover distinct merchant types. MCC 3745 is used for st. regis 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.