Advertiser Disclosure — This site may receive compensation when you click links and apply for credit cards. Compensation may impact which products appear and their placement. We strive to provide accurate information but cannot guarantee all details are current. Full disclosure
Four Seasons is classified under MCC 7011 (Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)). The best card for Four Seasons 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 Four Seasons (MCC 7011) is key for card rewards, especially if you're a frequent traveler staying at high-end hotels. Cards like the Hilton Honors Aspire offer top-tier earnings on this category.
Pro Tip
To maximize your rewards, consider using points for booking Four Seasons through their exclusive rate tiers where possible.
Spending Math
If you spend $200/month at Four Seasons, the Hilton Honors Aspire with its 14x points earns you $28 a month compared to just $2 from a basic 1% card. That's a significant yearly difference of $336 versus $24.
When you pay at Four Seasons 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, Four Seasons transactions will qualify — even if your card terms only mention a category name and not Four Seasons specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Four Seasons 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 Four Seasons 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 Four Seasons use?
Four Seasons 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 Four Seasons with the right credit card?
Spending $200/month ($2400/year) at Four Seasons 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 Four Seasons classified as lodging – hotels, motels, resorts, central reservation services (not elsewhere classified) for credit card rewards?
Yes. Four Seasons 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 Four Seasons.
Does my credit card earn bonus rewards at Four Seasons?
If your card includes lodging – hotels, motels, resorts, central reservation services (not elsewhere classified) in its bonus categories, then yes — Four Seasons'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 Four Seasons (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, AC Hotels by Marriott, Alila. The same credit card bonus rate applies at all of these merchants.
PointsPick may earn a commission when you apply through our links.
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.
