MCC 3605: Lodging code

MCC 3605 classifies merchants recorded as lodging code. 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 3605 is listed as lodging code, while MCC 3604 is listed as hilton garden inn. The merchant account that processes the payment determines which code appears.