{"id":3829,"date":"2026-09-20T01:17:19","date_gmt":"2026-09-19T18:17:19","guid":{"rendered":"https:\/\/easystatementsheet.com\/blog\/mcc-7011-lodging\/"},"modified":"2026-10-16T10:51:57","modified_gmt":"2026-10-16T03:51:57","slug":"mcc-7011-lodging","status":"publish","type":"post","link":"https:\/\/easystatementsheet.com\/blog\/mcc-7011-lodging\/","title":{"rendered":"MCC 7011 Lodging: What It Means on Your Credit Card Statement"},"content":{"rendered":"\n\n<p class=\"wp-block-paragraph\">You are reviewing your October credit card statement. A charge for $847.32 at &#8220;MARRIOTT SAN DIEGO MARINA&#8221; shows &#8220;7011&#8221; in the merchant code column. Below it, a $24 charge at the same hotel&#8217;s restaurant shows &#8220;5812&#8221;, and a $42 charge for parking shows &#8220;7523&#8221;. Three charges from one hotel stay, three different codes.<\/p>\n\n<p>You want to know what 7011 means, whether it covers all the charges or just the room, and what business expense treatment applies.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">MCC 7011 is the merchant category code that Visa, Mastercard, American Express, and Discover assign to hotels, motels, resorts, and similar lodging establishments under ISO 18245. The code sits inside the four-digit ISO numbering system that classifies every merchant accepting card payments. The 7011 code is the catch-all for traditional lodging, separate from 7012 (timeshares), 7032 (recreation camps), and 7033 (trailer parks).<\/p>\n\n\n\n<blockquote><p><strong>Quick Answers:<\/strong> MCC 7011 is the ISO 18245 code for hotels, motels, resorts, inns, and lodges. The code typically covers the entire hotel folio (room rate, taxes, resort fees, parking, room service, minibar) but may be split if the merchant uses separate sub-codes for food (5812) or parking (7523). 7011 does NOT cover timeshares (7012), recreation camps (7032), or trailer parks (7033).<\/p>\n\n<p>Short-term vacation rentals like Airbnb and VRBO often register as 7011 but may use no MCC depending on how the host registered. For self-employed individuals, 7011 charges during business travel are deductible on Schedule C Line 24a (Supplies) or as part of travel expenses, subject to the actual cost.<\/p><\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">What MCC 7011 Covers<\/h2>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">The 7011 code covers traditional lodging establishments where guests stay overnight or longer in exchange for payment. The most common merchants that fall under 7011 include hotels (Marriott, Hilton, Hyatt, IHG, Wyndham chains), motels (typically roadside locations with exterior room entry), resorts (destination properties with extensive amenities), inns and bed-and-breakfasts (smaller establishments, often independently owned), and lodges (rustic properties in mountain or wilderness areas).<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Imagine you check into a Marriott for a 3-night business conference. The hotel&#8217;s primary merchant code is 7011. The room rate, occupancy taxes, resort fee, destination fee, parking charge, in-room dining (if billed to the room), minibar purchases, and even the spa charge typically all show 7011 because they&#8217;re billed by the hotel merchant, not separate sub-merchants.<\/p>\n\n<p>The exception is when the hotel operates distinct sub-merchants (like a separate gift shop or restaurant) that have their own merchant codes.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">What 7011 does NOT cover is just as important as what it does. Marriott Vacation Club properties register as 7012 (timeshares) rather than 7011. KOA campgrounds and similar RV\/camping operations use 7033 (trailer parks and campgrounds). Summer camps for children register as 7032 (sporting and recreation camps).<\/p>\n\n<p>Vacation rental platforms (Airbnb, VRBO) often use 7011 for the host&#8217;s registration, but individual hosts may register under other codes depending on their merchant setup. The broader framework of how these codes work sits inside the <a href=\"\/blog\/what-is-a-merchant-category-code-on-a-credit-card-statement\/\">MCC overview for credit card statements<\/a>.<\/p>\n\n\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/easystatementsheet.com\/blog\/wp-content\/uploads\/mcc-7011-lodging-body-1-scaled.jpg\" alt=\"Three distinctions between MCC 7011 hotels and related lodging codes 7012 timeshares, 7033 trailer parks\" title=\"\"><figcaption>Three Lodging Vs Vacation Codes<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">The Difference Between 7011 and Related Codes<\/h2>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">This is the most common source of confusion about MCC 7011. Marriott, Hilton, and Hyatt properties may show as 7011, 7012, or no MCC depending on which specific property and how it&#8217;s registered. The reason depends on how the merchant registered with their acquirer, not the brand alone.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Marriott International operates multiple brands that register differently. Marriott Hotels, JW Marriott, Renaissance, and Westin typically register as 7011. Marriott Vacation Club and Ritz-Carlton Destination Club register as 7012 (timeshares). Residence Inn and TownePlace Suites (extended-stay brands) typically register as 7011 because they&#8217;re treated as hotels despite the apartment-like configuration. The acquirer makes this decision based on the property type and operation model.<\/p>\n\n<!-- <\/wp:paragraph>\n\n\n\n<p class=\"wp-block-paragraph\">For expense tracking, the difference between 7011 and 7012 matters primarily for tax treatment. Hotel stays (7011) are deductible as travel expenses when the trip is business-related. Timeshare purchases (7012) are generally not deductible unless the timeshare is used exclusively for business and properly documented. The IRS treats these differently on Schedule C and on Form 1040 Schedule E (if you rent out the timeshare).<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">The reverse can also happen. Vacation rental platforms (Airbnb, VRBO) often show as 7011 when the host has registered as a lodging merchant, but some hosts register as 7012 (timeshare) or even 7299 (miscellaneous personal services) depending on how their merchant account is structured. This inconsistency can complicate expense categorization if you're booking lodging for employees through multiple platforms.<\/p>\n\n<!-- <\/wp:paragraph>\n\n\n\n<p class=\"wp-block-paragraph\">For comparison with other restaurant and travel codes, see the <a href=\"\/blog\/mcc-5812-eating-places-restaurants\/\">MCC 5812 eating places guide<\/a> (for hotel restaurants), the <a href=\"\/blog\/mcc-5541-service-stations\/\">MCC 5541 service stations guide<\/a> (for road trip context), and the <a href=\"\/blog\/mcc-4900-utilities\/\">MCC 4900 utilities guide<\/a> (for resort fees that may appear separately).<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\">How 7011 Charges Appear on a Hotel Folio<\/h2>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">When you check out of a hotel, you receive a folio (or receipt) that breaks down all the charges from your stay.<\/p>\n\n<p>The folio typically includes the room rate (per night \u00d7 number of nights), occupancy tax (varies by city and state), resort fee or destination fee (flat daily charge for amenities), parking (if not included), food and beverage (room service, minibar, restaurant charges if billed to room), and miscellaneous (spa, business center, laundry, gratuities).<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">On a credit card statement, most of these charges show as 7011 because they're billed by the hotel as a single merchant.<\/p>\n\n<p>The exception is sub-merchant charges that have their own payment processing: the hotel gift shop (might use 5947), the standalone hotel restaurant (5812 if it accepts cards directly), the parking operator (7523 if run by a third party), or the spa (might use 7997 for health and beauty spas).<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">The practical implication for expense tracking is that a single hotel stay may produce 2-4 different MCC codes on the credit card statement. A 3-night stay at a full-service hotel might show 3-5 transactions across multiple days, with most as 7011 but some as 5812 (for room service billed separately), 5541 (for parking), or 7997 (for spa).<\/p>\n\n<p>The total 7011 amount for the trip is what goes into the travel expense category on Schedule C.<\/p>\n\n<!-- \/wp:paragraph>\n\n\n\n<h2 class=\"wp-block-heading\">What Most MCC References Miss About 7011<\/h2>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Most MCC reference sites list 7011 as \"Hotels, Motels, Resorts\" without explaining the operational reality. Four details that matter for actual use:<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Resort fees are not always included in the base rate.<\/strong> Many hotels charge a separate resort fee or destination fee that covers amenities like Wi-Fi, gym access, and pool towels. These fees are technically optional in some jurisdictions (you can ask to have them removed), but most hotels bundle them into the total cost.<\/p>\n\n<p>On a credit card statement, resort fees show as 7011 because they're billed by the hotel, but they may inflate the total travel cost by 10-30% above the advertised room rate.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Prepaid bookings vs pay-at-hotel have different booking patterns.<\/strong> When you book through Expedia or Booking.com, the charge may show 7011 (if the booking platform uses 7011 for hotel payments) or a travel-related code like 4722 (Travel Agencies). Prepaid hotel bookings through platforms often show the platform as the merchant, not the hotel directly, which can complicate expense attribution if you're reconciling against the hotel folio.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Loyalty program redemptions may not show 7011.<\/strong> When you redeem Marriott Bonvoy points for a free night, the redemption may not show as a 7011 charge at all. It might show as 7011 with a $0 amount, or as a different merchant code, or not appear on the credit card statement if the points covered the entire cost.<\/p>\n\n<p>This makes point-redemption stays invisible to expense tracking unless you log them separately.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Extended-stay properties use 7011 with weekly or monthly patterns.<\/strong> Properties like Residence Inn, Homewood Suites, and Staybridge Suites are designed for stays of 5+ nights. The 7011 charges appear weekly or monthly rather than per-night, but the underlying MCC is the same. For business travelers on extended assignments, the monthly 7011 charge represents the full month's lodging cost.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">These details matter for accurate expense tracking and tax treatment, but most reference sites don't surface them. The implication for the bookkeeper is that the MCC code on a statement tells you how the merchant classified the transaction, not the complete structure of the cost.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\">The 4 Most Common 7011 Transaction Patterns<\/h2>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Four recurring patterns appear in 7011 charges across business and personal credit card statements. Recognizing the patterns helps with expense categorization.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Single business trip.<\/strong> The most common 7011 pattern is a 2-4 night hotel stay for a conference, client meeting, or site visit. The amount is typically $300-1,500 for a mid-range hotel, or $1,500-5,000 for upscale properties. The charge usually appears as a single transaction on the statement.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Recurring monthly extended-stay.<\/strong> A second common pattern is a monthly charge from an extended-stay property for a long-term assignment. The amount is typically $2,000-5,000 per month and the charge recurs monthly. The merchant may be the same extended-stay hotel for 6+ months.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Group travel with multiple transactions.<\/strong> A third pattern is a group event (conference, wedding, corporate retreat) where the attendee is billed separately for their room. The 7011 charges may show 3-5 transactions across the event period, with the room, incidentals, and pre\/post nights as separate charges.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Vacation rental reclassified.<\/strong> A fourth pattern is a vacation rental (Airbnb, VRBO) that registered as 7011 with the acquirer. These charges often appear weekly during the stay, with cleaning fees and platform fees as separate transactions. The 7011 amount may be higher than the headline price because of the cleaning and service fees.<\/p>\n\n\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/easystatementsheet.com\/blog\/wp-content\/uploads\/mcc-7011-lodging-body-2-scaled.jpg\" alt=\"Three failure modes specific to MCC 7011 hotel charges and business expense categorization\" title=\"\"><figcaption>3 Failure Modes Specific to MCC 7011<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">How 7011 Affects Business Expense Deduction<\/h2>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">For self-employed individuals and small business owners, 7011 charges during business travel are typically deductible as travel expenses. The specific Schedule C line depends on the business type and the nature of the travel.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Schedule C Line 24a (Supplies)<\/strong> applies when the lodging cost is part of the business's operational costs. A consultant traveling to a client site would categorize the hotel as Supplies, subject to the 50% limit only if the trip includes meals. The hotel cost itself is typically 100% deductible when the trip is primarily for business.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Schedule C Line 22 (Depreciation and Section 179)<\/strong> applies if the business owns the hotel (which is rare) or leases it as part of a rental property operation. Most self-employed individuals don't use this line for 7011 charges.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><strong>50% limit<\/strong> applies only to meal expenses, not lodging. Hotel rooms, parking, and incidentals are typically 100% deductible during business travel. The 50% limit applies to room service and minibar charges when they're food or beverage.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">For businesses that need to track the distinction carefully (consulting firms with frequent travel, sales organizations), the conversion to a spreadsheet makes it easier to tag each 7011 charge with the right category. The general <a href=\"\/blog\/bank-statement-to-excel\/\">bank statement to Excel workflow<\/a> covers the conversion step, and the <a href=\"\/blog\/convert-bank-statement-for-monthly-close\/\">monthly close conversion workflow<\/a> covers the recurring categorization context.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\">When 7011 Differs from Related Codes<\/h2>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Three cases are worth knowing because they create expense categorization surprises that trip up bookkeepers and self-employed individuals.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Hotel restaurants charged separately.<\/strong> Many hotels operate their restaurant as a separate merchant. When you charge a meal to your room, the hotel bills it as part of the room (7011). When you pay the restaurant directly with a separate card swipe at the table, it shows as 5812 (eating places). The categorization matters because 5812 follows restaurant expense rules while 7011 follows hotel rules.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Conference center charges.<\/strong> Some hotels bundle conference center fees into the room rate, while others bill them separately. The bundled approach shows as 7011 (room rate + conference fee). The separated approach may show the conference fee as 7392 (business services) or 5812 (if food and beverage is the primary component).<\/p>\n\n<p>The bookkeeper needs to reconcile the folio with the credit card statement to capture the full cost.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Third-party operated amenities.<\/strong> Spas, golf courses, and ski rentals at resorts may be operated by separate companies. The resort bundles them into the room folio (7011) in some cases, but in other cases the third-party operator processes the charge directly. A $200 spa charge at a resort hotel might show as 7011, 7997 (spa), or no MCC depending on how the merchant structure works.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\">See also<\/h2>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">For related codes, see the <a href=\"\/blog\/mcc-5812-eating-places-restaurants\/\">MCC 5812 eating places<\/a> guide for hotel restaurants, the <a href=\"\/blog\/mcc-5541-service-stations\/\">MCC 5541 service stations<\/a> guide for road trip context, the <a href=\"\/blog\/mcc-4900-utilities\/\">MCC 4900 utilities<\/a> guide for resort fees that may appear separately, and the <a href=\"\/blog\/mcc-5411-grocery-stores\/\">MCC 5411 grocery stores<\/a> guide for in-room consumption.<\/p>\n\n<p>For tracking all your charges on monthly statements, the <a href=\"\/blog\/bank-transaction-categorization\/\">bank transaction categorization workflow<\/a> covers how to apply consistent categorization across all your MCC-coded charges.<\/p>\n\n<h2>See also: MCC 7011 in context<\/h2>\n<p>This explainer is one of the merchant category code guides on the site. The consolidated overview of the entire MCC system, including every US card-network overlay, lives in the <a href=\"\/blog\/complete-guide-merchant-category-codes-bank-statements\/\">complete MCC guide<\/a>. The full code-by-code reference is the <a href=\"\/blog\/mcc-code-reference\/\">complete MCC code reference<\/a>.<\/p>\n<p>For the broader reading on what every column on a US bank statement means, including the merchant description column where MCC appears, see the <a href=\"\/blog\/bank-statement-anatomy-expanded\/\">expanded bank statement anatomy<\/a>.<\/p>\n<div class=\"easys-ess-cta easys-entity-placement\" id=\"easys-3436082598\"><div id=\"easys-298403823\" role=\"region\" aria-label=\"Advertisements\"><div style=\"border:1px solid #e1e7e2;border-radius:8px;padding:20px;margin:28px 0;background:#f7faf7\">\r\n  <p style=\"margin:0 0 8px;font-size:18px;font-weight:700;line-height:1.3\">Turn That PDF Into a Spreadsheet in Minutes<\/p>\r\n  <p style=\"margin:0 0 16px;line-height:1.6\">You've seen how to do it manually \u2014 now let the tool handle the heavy lifting. Upload your bank statement and get Excel, CSV, or QBO in a few clicks.<\/p>\r\n  <a href=\"https:\/\/easystatementsheet.com\/?utm_source=blog&utm_campaign=ess-cta-01\" style=\"display:inline-block;background:#1e7a4c;color:#fff;text-decoration:none;padding:10px 18px;border-radius:6px;font-weight:600\">Try It Free<\/a>\r\n<\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>MCC 7011 is the merchant category code for hotels, motels, resorts, and similar lodging establishments. This guide explains what triggers a 7011 classification, how it differs from 7012 timeshares and 7033 trailer parks, what the charge typically means on your credit card statement, and how it affects business travel expense categorization.<\/p>\n","protected":false},"author":2,"featured_media":3828,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"class_list":["post-3829","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card-statements"],"_links":{"self":[{"href":"https:\/\/easystatementsheet.com\/blog\/wp-json\/wp\/v2\/posts\/3829","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/easystatementsheet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/easystatementsheet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/easystatementsheet.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/easystatementsheet.com\/blog\/wp-json\/wp\/v2\/comments?post=3829"}],"version-history":[{"count":2,"href":"https:\/\/easystatementsheet.com\/blog\/wp-json\/wp\/v2\/posts\/3829\/revisions"}],"predecessor-version":[{"id":4100,"href":"https:\/\/easystatementsheet.com\/blog\/wp-json\/wp\/v2\/posts\/3829\/revisions\/4100"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/easystatementsheet.com\/blog\/wp-json\/wp\/v2\/media\/3828"}],"wp:attachment":[{"href":"https:\/\/easystatementsheet.com\/blog\/wp-json\/wp\/v2\/media?parent=3829"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/easystatementsheet.com\/blog\/wp-json\/wp\/v2\/categories?post=3829"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/easystatementsheet.com\/blog\/wp-json\/wp\/v2\/tags?post=3829"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}