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CardCurator — Rewards Intelligence
Vacation Rentals

Best Credit Card for Vacation Rentals

Compare the top credit cards for Airbnb, Vrbo, and vacation rental bookings and find which one earns the most rewards.

Airbnb and Vrbo bookings usually code as travel on most card networks, earning elevated rates on travel cards. Some cards also provide trip delay and cancellation insurance on vacation rental bookings.

Top Pick

Best Pick
Capital One Savor Cash Rewards card art
Capital One

Capital One Savor Cash Rewards

5x
points per dollar
9.3%
effective return
No annual fee
annual fee

5x on Vacation Rentals (Capital One Travel)

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More Good Options

  • One Key+ Card card art
    One Key Cash
    One Key+ Card
    5x
    pts/dollar
    5.0%
    return

    5x on Vacation Rentals

    Learn more →
  • Bilt Palladium Card card art
    Bilt Rewards
    Bilt Palladium Card
    2x
    pts/dollar
    4.0%
    return

    2x base rate (no bonus for Vacation Rentals)

    Learn more →
  • Blue Business Plus Credit Card from American Express card art
    American Express Membership Rewards
    Blue Business Plus Credit Card from American Express
    2x
    pts/dollar
    4.0%
    return

    2x base rate (no bonus for Vacation Rentals)

    Learn more →
  • Citi Double Cash card art
    Citi ThankYou Points
    Citi Double Cash
    2x
    pts/dollar
    3.6%
    return

    2x base rate (no bonus for Vacation Rentals)

    Learn more →
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Common Questions

What is the best credit card for Vacation Rentals?

The Capital One Savor Cash Rewards is currently the top pick for Airbnb, Vrbo, and vacation rental bookings, earning 5x points per dollar — an effective 9.3% return.

How many points do you earn on Vacation Rentals purchases?

The top-rated card for Airbnb, Vrbo, and vacation rental bookings, the Capital One Savor Cash Rewards, earns 5x per dollar — an effective return of 9.3%.

Is there a no-annual-fee card that earns rewards on Vacation Rentals?

Yes — the Capital One Savor Cash Rewards earns 5x on Airbnb, Vrbo, and vacation rental bookings with no annual fee (9.3% effective return).

Is a premium card worth the annual fee for Vacation Rentals spending?

The Bilt Palladium Card ($495/yr) earns 2x on Airbnb, Vrbo, and vacation rental bookings. If you spend $1,031/month or more on vacation rentals, the rewards offset the annual fee — before counting travel credits and other perks.

Which card earns the most if I spend $500 per month on Vacation Rentals?

Capital One Savor Cash Rewards: $555/yr, One Key+ Card: $300/yr, Bilt Palladium Card: $240/yr. The Capital One Savor Cash Rewards earns the most at $500/month.

Do rotating category cards earn on Vacation Rentals?

Some cards — like Chase Freedom Flex and Discover it — occasionally feature vacation rentals as a 5% bonus category for one quarter per year. Year-round, a dedicated vacation rentals card typically outperforms rotating category cards since you can't always count on the bonus.

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