Best Credit Cards for Vrbo [2024]: Max Out Your Rewards

For frequent Vrbo travelers, we recommend using the Citi Double Cash^® Card for Vrbo stays. It has a $0 annual fee and provides a simple rewards rate that works with Vrbo and your everyday expenses.

If you prefer more travel benefits, consider the Chase Sapphire Preferred^® Card or Chase Sapphire Reserve^®. Both of these cards earn valuable travel rewards and provide excellent travel insurance perks.

Let’s explore the best credit cards for Vrbo so you can find the right option for your wallet.

Key takeaways

Some of the best credit cards for Vrbo

1. Citi Double Cash^® Card
2. Bank of America^® Travel Rewards credit card
3. Chase Sapphire Preferred^® Card
4. Capital One Venture Rewards Credit Card
5. Ink Business Preferred^® Credit Card
6. Capital One Venture X Rewards Credit Card
7. Chase Sapphire Reserve^®

Compare the best credit cards for Vrbo

Credit card	Benefits for Vrbo stays	Annual fee
Citi Double Cash® Card(Rates and fees) 5.0 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25	$0
Bank of America® Travel Rewards credit card 4.1 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Earn 1.5 points per $1 spent on all purchases	$0
Chase Sapphire Preferred® Card 4.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Earn 5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases	$95
Capital One Venture Rewards Credit Card 4.7 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Earn 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25 Use miles to cover past travel purchases	$95
Ink Business Preferred® Credit Card 4.8 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Earn 3X points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year; and 1X points per $1 on all other purchases	$95
Capital One Venture X Rewards Credit Card 4.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Earn 2 miles per dollar on every purchase, every day; 10 miles per dollar on hotels and rental cars booked through Capital One Travel, 5 miles per dollar on flights and vacation rentals booked through Capital One Travel, and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25 Use miles to cover past travel purchases	$395
Chase Sapphire Reserve® 5.0 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Earn 5X points on flights and 10X points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually; 3X points on other travel and dining & 1X points per dollar on all other purchases Receive up to $300 in statement credits each anniversary year for eligible travel purchases	$550

Citi Double Cash^® Card

The Citi Double Cash card makes it easy to earn elevated cash back on all eligible purchases, including Vrbo stays.

Why we like the Citi Double Cash Card

It has a $0 annual fee. It also has a simple rewards rate, which means you don’t have to stress about complicated spending categories.

You can earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.

With this rewards rate, that’s up to 2% cash back on all purchases, including Vrbo stays.

On top of that, you can also earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

What we don’t like about the Citi Double Cash Card

It charges 3% foreign transaction fees. If you’re planning to travel abroad or use Vrbo in another country, be aware of these charges.

Apply now or find out more in our Citi Double Cash^® Card review.

Bank of America^® Travel Rewards credit card

The Bank of America Travel Rewards card makes sense if you want a no-stress travel card.

Why we like the Bank of America Travel Rewards credit card

It has a $0 annual fee and enables you to earn 1.5 points per $1 spent on all purchases, including Vrbo stays.

If you’re a Bank of America Preferred Rewards member, you can earn up to 75% more points on your eligible purchases. That turns a 1.5X rate into an incredible 2.62X rate.

Adding that you can earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases, this card has a lot to offer.

The Bank of America Travel Rewards charges 0% foreign transaction fees, making it a great card for international travelers.

What we don’t like about the Bank of America Travel Rewards credit card

You have to be a Preferred Rewards member to earn up to 75% more on your eligible spending. To qualify for the 75% bonus rate, you need a three-month combined average daily balance of at least $100,000 in eligible Bank of America deposit and Merrill investing balances.

Apply Now or find out more in our Bank of America Travel Rewards review.

Chase Sapphire Preferred^® Card

The Chase Sapphire Preferred makes sense for earning elevated rewards on eligible travel purchases, including Vrbo stays.

Why we like Chase Sapphire Preferred

You can earn 5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases.

For Vrbo stays and other travel purchases, that means you can earn 2X Chase Ultimate Rewards points.

You can also earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

In addition, the Chase Sapphire Preferred doesn’t charge foreign transaction fees, and you can take advantage of various benefits.

These include protection and insurance benefits such as:

Other travel benefits you can enjoy include:

• Receiving 25% more value when you redeem points for travel through Chase Travel℠. For example, 60,000 points are worth $750 when redeemed through the Chase travel portal.
• Earning up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel℠.
• Transferring points to different Chase airline and hotel partners. Partnerships include loyalty programs like United MileagePlus, Virgin Atlantic Flying Club, and World of Hyatt.

What we don’t like about Chase Sapphire Preferred

You have to pay a $95 annual fee as a cardmember.

Apply now or find out more in our Chase Sapphire Preferred review.

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards is an exceptional jack-of-all-trades card for earning travel rewards on all eligible purchases.

Why we like Capital One Venture Rewards

You don’t have to pay foreign transaction fees. This card also enables you to earn 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25.

Having such a simple rewards rate makes it easy to earn miles on Vrbo stays and everyday spending.

On top of that, you can earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening.

Other Capital One Venture Rewards travel benefits you can take advantage of include:

• Receiving up to a $120 credit for Global Entry or TSA PreCheck® every four years.
• Redeeming miles for past travel purchases. That means you could book a Vrbo stay with your Venture Rewards card and then redeem miles to cover that purchase.
  
• Transferring miles to over 15 airline and hotel chain loyalty programs.

What we don’t like about Capital One Venture Rewards

There’s a $95 annual fee for cardholders.

Find out more in our Capital One Venture Card review.

Ink Business Preferred^® Credit Card

The Ink Business Preferred is an excellent small business credit card for earning elevated rewards in common business categories, including travel.

Why we like Ink Business Preferred

You don’t have to pay foreign transaction fees. You can also earn 3X points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year; and 1X points per $1 on all other purchases.

This means that you can earn up to 3X points on Vrbo stays and other qualified travel purchases.

Additionally, you can earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

The Ink Business Preferred also provides multiple travel insurance and protection benefits, including:

Points you earn with the Ink Business Preferred are worth 25% more if you redeem them for travel through Chase Travel℠. For example, 100,000 points are worth $1,250 towards Chase travel portal redemptions.

What we don’t like about Ink Business Preferred

Cardholders have to pay a $95 annual fee.

Apply now or find out more in our Ink Business Preferred review.

Capital One Venture X Rewards Credit Card

The Capital One Venture X makes sense if you want a card with a simple rewards rate and premium travel benefits.

Why we like Capital One Venture X

It doesn’t charge foreign transaction fees. You can also earn 2 miles per dollar on every purchase, every day; 10 miles per dollar on hotels and rental cars booked through Capital One Travel, 5 miles per dollar on flights and vacation rentals booked through Capital One Travel, and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25.

That means you can earn 2 miles per dollar on every purchase, every day, including Vrbo stays and everyday expenses.

Additionally, you can earn 75,000 miles when you spend $4,000 on purchases in the first 3 months from account opening.

Other Capital One Venture X travel benefits include:

• Earning a $300 annual travel credit for bookings made through Capital One Travel.
• Earning 10,000 bonus miles every card anniversary, starting on your first one.
• Receiving complimentary airport lounge access to Capital One Lounges and Priority Pass Lounges.
• Receiving up to $120 credit for Global Entry or TSA PreCheck® every four years.
• Redeeming miles for past travel purchases. That means you could book a Vrbo stay with your Venture X card and then redeem miles to cover that purchase. Other redemption options include Capital One Travel, gift cards, Amazon purchases, and transfers to loyalty programs of over 15 airlines and hotel groups.

What we don’t like about Capital One Venture X

You have to pay a $395 annual fee as a cardmember.

Find out more in our Capital One Venture X review.

Chase Sapphire Reserve^®

The Chase Sapphire Reserve is packed with travel benefits and provides excellent earning potential on travel and dining purchases.

Why we like Chase Sapphire Reserve

It doesn’t charge foreign transaction fees. You can also earn 5X points on flights and 10X points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually; 3X points on other travel and dining & 1X points per dollar on all other purchases.

That means you can earn 3X on Vrbo stays as well as other travel and dining purchases.

You can also take advantage of its generous welcome offer. You can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

The Chase Sapphire Reserve provides these useful travel coverage benefits.

Other Chase Sapphire Reserve travel benefits include:

• Earning up to $300 annual travel credit received in the form of statement credit reimbursements each anniversary year for eligible travel purchases. Vrbo stays count as eligible travel purchases.
• Earning one statement credit of up to $100 every four years as an application fee reimbursement for Global Entry or TSA PreCheck® or NEXUS.
• Receiving Complimentary airport lounge access to the Chase Sapphire Lounge by The Club locations and Priority Pass Lounges after an easy one-time enrollment.
• Receiving 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward Chase travel portal redemptions.

What we don’t like about Chase Sapphire Reserve

Cardmembers have to pay a $550 annual fee.

Apply now or find out more in our Chase Sapphire Reserve review.

How to choose the best credit card for Vrbo

1. Eligibility requirements

You typically need a good credit score to qualify for one of the best Vrbo credit cards. That would be at least a 670 FICO score.

Depending on the card, you might need an excellent credit score to be eligible. That’s around 800 or higher on the FICO scoring model.

2. Earning potential

One of the main benefits of using a credit card to book Vrbo stays is the opportunity to earn rewards on your purchase.

In general, there are two types of rewards rates to look for when comparing rewards cards.

1. Simple rate: A simple rewards rate allows you to earn consistent rewards, such as 2X, on all eligible purchases, making it straightforward to accumulate the same amount of rewards on Vrbo stays and everyday expenses.
2. Spending categories: Spending or bonus categories offer extra rewards on certain purchases, such as 3X rewards on travel and dining, while all other eligible purchases earn 1X rewards. This rewards rate is beneficial for maximizing earnings on Vrbo stays as Vrbo and Airbnb stays are typically categorized as travel.

3. Perks and benefits

Some of the primary benefits we value include travel credits and travel insurance. Flexible travel credits can help reduce the cost of Vrbo stays.

Having a card with travel protections could help if something that is covered by your card’s insurance goes amiss. For example, you might be able to use credit card insurance if you have to cancel a stay at the last second because of a covered reason and you’re already past the refund deadline.

Certain other benefits, such as airport lounge access, could also come in handy if you’re traveling to a destination for your Vrbo stay.

Check out the best travel credit cards if you want top travel perks and benefits.

4. Foreign transaction fees

Vrbo has listings in both the U.S. and international destinations. If you plan on making international purchases with a card, it’s best to use a card that doesn’t charge foreign transaction fees. That’s an easy way to avoid a charge that’s typically about 3% of your purchase price.

You can check whether a card has foreign transaction fees by looking over the card details or terms and conditions.

5. Annual fees

Cards with no annual fees tend to be easier to use because you don’t have to stress about an annual cost each year. But it’s still worth comparing cards that charge annual fees to those that don’t because the value of their perks and benefits could warrant the card membership cost.

FAQ

Best credit cards for Vrbo: bottom line

If you want a no-stress card for earning rewards on Vrbo bookings, we recommend the Citi Double Cash^® Card(Rates and fees). It has a $0 annual fee and provides 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.

For more earning potential on Vrbo stays, as well as premium travel benefits, we recommend the Chase Sapphire Reserve. This card provides you with up to $300 in annual statement credit reimbursements for eligible travel expenses, which works for Vrbo bookings.

For more of our top recommendations, compare credit cards and find the right credit card offer for you.

Methodology

To identify the credit cards that offer the best perks for Vrbo, we began by creating a list of credit cards that offer rewards and benefits for vacation rentals. We then reviewed each credit card for Vrbo-specific benefits or bonus rewards. We also collected additional details such as welcome offers, annual fees, and other features.

Keep in mind that our recommendations don’t include all credit cards suitable for Vrbo stays. Furthermore, we didn’t rank the cards in any particular order. Instead, our recommendations aim to provide readers with information on a curated selection of credit cards that cater to Vrbo users.

Great for Flexible Travel Rewards

Chase Sapphire Preferred^® Card

4.9

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Chase Sapphire Preferred^® Card

Apply Now

Current Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Annual Fee

$95

Rewards Rate

5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases

Benefits and Drawbacks

Benefits

• Generous welcome offer valued at $750 when redeemed via Chase Travel
• High rewards on dining and bookings via Chase Travel
• 25% more value when redeeming points for travel through Chase Travel
• Up to $50 in annual statement credits for hotel stays booked through Chase Travel
• Receive valuable travel protections like trip delay reimbursement and primary rental car insurance

Drawbacks

• Has a $95 annual fee
• Doesn’t offer airport lounge access or premium travel perks like Global Entry or TSA PreCheck credit
• Doesn't offer bonus points on gas or in-person groceries purchases

Card Details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC