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AC Hotels by Marriott is classified under MCC 7011 (Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)). The best card for AC Hotels by Marriott purchases is the Sapphire Reserve ($795/yr annual fee), earning 10x on lodging – hotels, motels, resorts, central reservation services (not elsewhere classified) — an effective return of 20.50%.
The MCC 7011 covers hotels and is a key area for high rewards, especially if you have a travel credit card like the Hilton Honors Aspire.
Pro Tip
Always book through your credit card's reservation service or website for AC Hotels by Marriott to maximize rewards.
Spending Math
If you spend $200 a month at AC Hotels by Marriott, the Hilton Honors Aspire card earns $28.00 monthly compared to just $2.00 with a standard 1% cash back card.
When you pay at AC Hotels by Marriott at their locations, your card issuer sees MCC 7011 in the transaction data. This code tells your bank that the purchase was made at a lodging – hotels, motels, resorts, central reservation services (not elsewhere classified) merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "lodging – hotels, motels, resorts, central reservation services (not elsewhere classified)" purchases, AC Hotels by Marriott transactions will qualify — even if your card terms only mention a category name and not AC Hotels by Marriott specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any AC Hotels by Marriott transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 7011 qualifies for bonus rewards.
About MCC 7011: Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)
Merchant Category Code 7011 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified) industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 7011, all qualifying card programs that include lodging – hotels, motels, resorts, central reservation services (not elsewhere classified) as a bonus category will apply the elevated earn rate.
The Lodging industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified) Merchants (MCC 7011)
Spending $200/month at AC Hotels by Marriott with the Sapphire Reserve (10x on lodging – hotels, motels, resorts, central reservation services (not elsewhere classified)) earns approximately $240/year in rewards. A basic 1% card earns $24 on the same spending. After the $795 annual fee, that is $-555 more per year.
Frequently Asked Questions
What MCC code does AC Hotels by Marriott use?
AC Hotels by Marriott uses MCC 7011 (Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)). Our top pick for this MCC is the Sapphire Reserve, which earns 10x (20.50% effective return) on lodging – hotels, motels, resorts, central reservation services (not elsewhere classified) purchases.
How much can I earn at AC Hotels by Marriott with the right credit card?
Spending $200/month ($2400/year) at AC Hotels by Marriott with the Sapphire Reserve ($795/yr annual fee) earns approximately $240/year at 10x. A basic 1% card earns $24 on the same spending — that is $216 more per year with the right card.
Is AC Hotels by Marriott classified as lodging – hotels, motels, resorts, central reservation services (not elsewhere classified) for credit card rewards?
Yes. AC Hotels by Marriott is classified under MCC 7011 (Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)) by Visa and Mastercard. Cards that list 'lodging – hotels, motels, resorts, central reservation services (not elsewhere classified)' as a bonus category — such as the Sapphire Reserve — will apply the elevated earn rate at AC Hotels by Marriott.
Does my credit card earn bonus rewards at AC Hotels by Marriott?
If your card includes lodging – hotels, motels, resorts, central reservation services (not elsewhere classified) in its bonus categories, then yes — AC Hotels by Marriott's MCC 7011 typically qualifies. The Sapphire Reserve earns 10x here. Check your card's app or call your issuer to confirm your specific card's category mapping.
What other stores are in the same category as AC Hotels by Marriott (MCC 7011)?
MCC 7011 (Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)) is shared by many similar businesses. Other stores in this category include: 21c Museum Hotels, 25hours Hotels, Alila, Aloft Hotels. The same credit card bonus rate applies at all of these merchants.
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Full disclosure
MCC data based on card network classification standards.
Rankings verified monthly from official card issuer terms.
Last verified: April 26, 2026.
Full methodology: www.pointspick.com/methodology.
