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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 Venture X Rewards card art
Capital One

Capital One Venture X Rewards

10x
points per dollar
18.5%
effective return
$395/yr
annual fee

10x on Hotels (Capital One Travel) (travel portal only)

Before you click out

  • This is the best fit only if you actually spend heavily on vacation rentals.
  • Make sure the $395 annual fee still makes sense for your total spend.
  • If this is your pick, apply now and keep this page open in another tab for reference.
Apply Now Check out this card

More Good Options

  • Citi Strata Elite card art
    Citi ThankYou Points
    Citi Strata Elite
    12x
    pts/dollar
    18.0%
    return

    12x on Hotels (Citi Travel) (travel portal only)

    Apply Now
  • Chase Sapphire Reserve card art
    Chase Ultimate Rewards
    Chase Sapphire Reserve
    8x
    pts/dollar
    16.0%
    return

    8x on Chase Travel (travel portal only)

    Apply Now
  • AAdvantage Executive World Elite Mastercard card art
    AAdvantage
    AAdvantage Executive World Elite Mastercard
    10x
    pts/dollar
    15.0%
    return

    10x on Eligible Hotels and Car Rentals through AA partner portals

    Apply Now
  • The Platinum Card from American Express card art
    American Express Membership Rewards
    The Platinum Card from American Express
    5x
    pts/dollar
    10.0%
    return

    5x on Prepaid Hotels (Amex Travel) (travel portal only)

    Apply Now
Best next move
Capital One Venture X Rewards
Best for vacation rentals spending if you want the strongest return without reopening the research loop.
Apply Now Check out this card
Compare these 3 cards side by side

Rewards Calculator

$ / month

Enter a monthly spend amount above to see estimated annual rewards per card.

Quick summary

A short version of the recommendation with the main numbers and fallback option.

For Airbnb, Vrbo, and vacation rental bookings, Capital One Venture X Rewards is currently our top overall pick at 10x, which works out to about 18.5% back using CardCurator's current point valuations. 10x on Hotels (Capital One Travel) (travel portal only). At $500/month of spend, the top card is worth about $1110/year before signup bonuses or statement credits. Summary generated July 26, 2026. Source: https://cardcurator.ai/best-credit-card-for/vacation-rentals

View source data
Top card
Capital One Venture X Rewards
10x · 18.5%
  • Capital One Venture X Rewards: 10x and 18.5% effective return.
  • At $500/month, that's about $1110/year in rewards value before bonuses.
  • No separate no-fee fallback currently ranks near the top.
  • Methodology uses live earn rates, annual fees, and current point valuations.
Methodology Sources

Common Questions

What is the best credit card for Vacation Rentals?

The Capital One Venture X Rewards is currently the top pick for Airbnb, Vrbo, and vacation rental bookings, earning 10x points per dollar — an effective 18.5% 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 Venture X Rewards, earns 10x per dollar — an effective return of 18.5%.

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

Most high-earn-rate cards for Vacation Rentals carry an annual fee. The options above show which fee is worth it at different spending levels.

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

The Capital One Venture X Rewards ($395/yr) earns 10x on Airbnb, Vrbo, and vacation rental bookings. If you spend $178/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 Venture X Rewards: $1110/yr, Citi Strata Elite: $1080/yr, Chase Sapphire Reserve: $960/yr. The Capital One Venture X 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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