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Secrets Resorts & Spas is classified under MCC 7011 (Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)). The best card for Secrets Resorts & Spas 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 hotel stays, including luxury resorts like Secrets Resorts & Spas. Card categories like premium travel cards often offer high rewards rates for these establishments.
Pro Tip
Use your travel card points to book rooms directly through Secrets' website for maximum rewards and elite status benefits.
Spending Math
If you spend $200 a month at Secrets Resorts & Spas, the Hilton Honors Aspire card earns you $336 annually (14x), while a basic 1% cashback card would only earn $24. That's a significant difference!
How Secrets Resorts & Spas Codes on Your Statement
When you pay at Secrets Resorts & Spas 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, Secrets Resorts & Spas transactions will qualify — even if your card terms only mention a category name and not Secrets Resorts & Spas specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Secrets Resorts & Spas 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 Secrets Resorts & Spas 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 Secrets Resorts & Spas use?
Secrets Resorts & Spas 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 Secrets Resorts & Spas with the right credit card?
Spending $200/month ($2400/year) at Secrets Resorts & Spas 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 Secrets Resorts & Spas classified as lodging – hotels, motels, resorts, central reservation services (not elsewhere classified) for credit card rewards?
Yes. Secrets Resorts & Spas 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 Secrets Resorts & Spas.
Does my credit card earn bonus rewards at Secrets Resorts & Spas?
If your card includes lodging – hotels, motels, resorts, central reservation services (not elsewhere classified) in its bonus categories, then yes — Secrets Resorts & Spas'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 Secrets Resorts & Spas (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.
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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.
