MCC 3412: A-1 RENT-A-CAR

MCC 3412 classifies merchants recorded as a-1 rent-a-car. It describes the business accepting the payment, not the exact item you bought.

Most banks show a spending category in the app or statement instead of the four-digit MCC. Use that category to narrow down likely codes, then ask the issuer for the exact code on the posted transaction if you need to confirm it.

The MCC alone cannot establish eligibility. Check your card issuer's eligible codes and exclusions for the posted transaction; some transaction types earn no category bonus.

Card issuers can apply different reward rules to merchant codes, payment channels and excluded transactions. A checkout processed by another merchant account may also appear under another MCC.

MCC 3412 is listed as a-1 rent-a-car, while MCC 3414 is listed as godfrey natl rent-a-car. The merchant account that processes the payment determines which code appears.