MCC 7012 covers TIMESHARES merchants, classified under lodging. To maximize rewards at these businesses, look for credit cards with broad spending bonuses or lodging category multipliers. MCC Lookup Tool to find which cards earn bonus rewards here.
Timeshare resorts like Wyndham and Marriott use MCC 7012. Purchases for maintenance fees, upgrades, and timeshare exchanges are coded here.
Cardholders often误以为所有住宿相关的费用都会被编码为MCC 7012，但实际上这只是特定的时享项目相关开销。
MCC 7012 stands for Timeshares. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the lodging category.
Merchants classified under MCC 7012 (Timeshares) operate in the lodging sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 7012 (Timeshares) is not currently a dedicated bonus category for most major credit cards. For lodging 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 7012 (Timeshares). 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 lodging spending.
MCC 7012 is assigned to businesses providing timeshares services. While this is a less common merchant category, any purchase that posts with code 7012 will be classified as 'Timeshares' by your card issuer, which determines whether lodging category bonuses apply to that transaction.
MCC 7012 (Timeshares) and MCC 7011 (Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)) are both in the lodging category but cover distinct merchant types. MCC 7012 is used for timeshares businesses, while MCC 7011 is assigned to lodging – hotels, motels, resorts, central reservation services (not elsewhere classified) 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.