Best Credit Cards for Vrbo: Max Out Your Rewards in 2022

If you're using Vrbo to book accommodations, you should know that some credit cards provide better rewards (and benefits) than others.
Last updated Aug. 12, 2022 | By Christy Rakoczy
Best Credit Cards for VRBO

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Many credit cards provide bonus rewards when booking travel. Traditionally, these cards gave you extra points, miles, or cash back when you booked a hotel or a flight. But in recent years, hotel alternatives such as Vrbo and Airbnb have become increasingly popular.

Vrbo allows you to book accommodations directly from property owners who rent out private vacation homes, condos, or other properties they own. Many travelers prefer these vacation rentals for reasons ranging from the chance to find a more affordable place to stay to the opportunity to stay somewhere more unique or quirky than a traditional hotel.

The only problem is, not all credit card companies give you bonus travel rewards when you book a Vrbo. Some do, though — so you need to be smart and make sure at least one of the cards in your wallet is on our list of the best rewards credit cards for Vrbo bookings.

In this article

How to choose the best credit card for you

Whenever you decide which credit card to use for a purchase, you want a card that will offer you the maximum bonus rewards for your transaction. Since you're booking accommodations for a trip, the natural assumption is that a travel card would be your best bet. But you need to make sure the travel card you use actually gives you credit for Vrbo.

Whether you'll get your bonus rewards for Vrbo accommodations all comes down to how the card issuer “codes” Vrbo purchases when recording the transaction. If the purchase is coded as a travel expense, then you'll get your bonus points, miles, or cash back. But if its coded as real estate, property management or professional services then you won't get your bonus rewards. This can sometimes happen with Vrbo, which was purchased by HomeAway in 2006, and then both were acquired by Expedia in 2015. This makes it important to research how your particular credit card issuer will treat your purchase.

One particular question comes up frequently: "Does Vrbo count as travel with Chase?" Reports from cardholders indicate that Vrbo does code as travel with Chase. Occasionally cardholders have had it not code as travel, but they have been able to call Chase customer service and have the charge corrected and the extra bonus points added to their account.

If you don't want to worry about your accommodations coding properly to score extra rewards, you could also opt to pay for your Vrbo transaction with a card that offers a good rewards rate for everyday purchases. With these types of credit cards, it doesn't matter how purchases are classified because you get the same generous rewards for everything you buy.

If you're getting a brand-new card to pay for your Vrbo purchase instead of choosing from among cards you already have, you'll also want to consider other criteria for your card besides just the rewards rate for your trip accommodations. The annual fee, the new cardmember welcome bonus, whether you'll face foreign transaction fees, and any cardholder perks are all important factors that can help you to pick the best credit card for your situation.

The best credit cards for Vrbo

Card Welcome bonus Rewards rate Annual fee
Chase Sapphire Preferred® Card Earn 60,000 points after spending $4,000 on purchases in the first 3 months 5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases $95
Capital One Venture Rewards Credit Card Earn 75,000 bonus miles after spending $4,000 in the first 3 months 5X miles on hotels and rental cars booked through Capital One Travel and car shares booked through Turo; and 2X miles on all other purchases $95
Citi® Double Cash Card - 18 month BT offer Earn $200 cash back after spending $1,500 in the first 6 months (limited time offer) Up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases $0

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred Card has one of the most generous bonus offers of any credit card: Earn 60,000 points after spending $4,000 on purchases in the first 3 months. When redeemed through the Chase Ultimate Rewards portal, this can be worth a whopping $750.

The card also offers plenty of other perks that you'll be happy to enjoy both when traveling and at home including:

  • 5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases
  • Free DoorDash DashPass for a year 
  • A 25% bonus when you redeem your points for travel with Chase Ultimate Rewards
  • No foreign transaction fees

One of the biggest benefits of this card is that you can transfer your Chase points to airline and hotel rewards partners at 1-to-1 value. This makes the rewards on this card incredibly versatile.

The many perks of one of the best travel credit cards make it well worth the $95 annual fee — especially if you travel or dine out often and can rack up the extra Ultimate Rewards points for this type of spending.

Read our full Chase Sapphire Preferred Card review.

Our #1 Travel Card

Intro Offer

Earn 60,000 points after spending $4,000 on purchases in the first 3 months

Annual Fee

$95

Rewards Rate

5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases

Benefits and Drawbacks

Benefits

  • 60,000 point sign-up bonus
  • 5X points on Lyft rides and travel booked through Chase Ultimate Rewards
  • 25% more value when redeeming rewards for travel through Chase Ultimate Rewards
  • 10% anniversary point bonus each year
  • $50 annual credit on hotel stays booked through Ultimate Rewards
  • Premium travel protection benefits

Drawbacks

  • Has annual fee
  • Typically need to spend thousands to reap rewards
Card Details
  • Earn 60,000 points after spending $4,000 on purchases in the first 3 months
  • 5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card also offers a generous welcome bonus of 75,000 miles — but you only need to spend $4,000 within the first 3 months of account opening to score this bonus while the Chase Sapphire Preferred requires you to spend $4,000 in first 3 months. If you're not sure you can meet the Sapphire Preferred's spending requirement, this card may be a better bet for you.

The Venture Rewards Card has a $95 annual fee, but the card also offers great benefits as well including:

  • 2X miles for every purchase, every day with no limits so you don't need to worry about how your Vrbo codes in order to get the maximum rewards
  • No foreign transaction fees
  • Venture miles can be redeemed for any travel expense and you can also transfer miles to travel partners
  • A $100 statement credit for Global Entry or TSA PreCheck if purchased with your Capital One Venture Rewards Card

The Global Entry or TSA PreCheck statement credit alone covers your annual fee, making this card well worth the price.

Read our full Capital One Venture Rewards Card review.

Incredibly Flexible Rewards

Intro Offer

Earn 75,000 bonus miles after spending $4,000 in the first 3 months

Annual Fee

$95

Rewards Rate

5X miles on hotels and rental cars booked through Capital One Travel and car shares booked through Turo; and 2X miles on all other purchases

Benefits and Drawbacks

Benefits

  • 75,000 bonus mile welcome offer
  • 2X miles on every purchase, every day
  • Up to $100 Global Entry or TSA PreCheck credit
  • No foreign transaction fees

Drawbacks

  • Has annual fee
Card Details
  • Earn 75,000 bonus miles after spending $4,000 in the first 3 months
  • 5X miles on hotels and rental cars booked through Capital One Travel and car shares booked through Turo; and 2X miles on all other purchases

Citi® Double Cash Card

While the Citi Double Cash Card doesn't offer a new cardmember signup bonus, it has plenty of other benefits for cardmembers looking for an affordable card to use to pay for Vrbo accommodations.

Some of the advantages of this card include:

  • Earn up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases. This means every purchase, including Vrbo accommodations, can net you up to 2% cash back.
  • $0 annual fee so the card won't cost you anything to sign up
  • 0% APR on balance transfers for 18 months (then 16.24% to 26.24% (variable)), enabling you to reduce the interest on other high interest debt (note: the balance transfer fee is 5 or 3%, whichever is greater, for the first 4 months; after that, $5 or 5%)
  • Cash back can be redeemed as a statement credit or check or can be converted to points

This card does charge a foreign transaction fee of 3% though. So it's best for those looking for an affordable cashback card who do their traveling primarily or exclusively within the United States. If you're a frequent country-hopper, check out our list of credit cards with no foreign transaction fees for more options.

Read our full Citi Double Cash Card review.

Earn Cash Back Twice

Citi® Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offer

Intro Offer

Earn $200 cash back after spending $1,500 in the first 6 months (limited time offer)

Annual Fee

$0

Rewards Rate

up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases

Benefits and Drawbacks

Benefits

  • Earn $200 cash back after spending $1,500 in the first 6 months (limited time offer)
  • 0% intro APR on balance transfers for 18 months, then 16.24% to 26.24% (variable) APR
  • Up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases
  • No annual fee

Drawbacks

  • Foreign transaction fee
Card Details
  • Earn $200 cash back after spending $1,500 in the first 6 months (limited time offer)
  • up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases
  • Intro balance transfer 0% APR offer: 0% for 18 months then 16.24% to 26.24% (variable)

The best business credit cards for Vrbo

Card Welcome bonus Rewards rate Annual fee
American Express Blue Business Cash™ Card Earn a $250 statement credit after spending $3,000 on purchases in the first 3 months 2% cash back on the first $50,000 in eligible purchases each year, then 1% after that $0 (See rates and fees) (Terms apply)
Ink Business Unlimited® Credit Card Earn $750 bonus cash back after spending $7,500 in the first 3 months 1.5% cash back on all spending $0

American Express Blue Business Cash™ Card

The Amex Blue Business Cash Card has a $0 annual fee and the chance to earn generous rewards. Some of the perks of the card include:

  • 2% cash back on the first $50,000 in eligible purchases each year, then 1% after that
  • Cash back is automatically credited to your statement
  • 0% introductory APR on purchases for 12 months, then 15.49% to 23.49% (variable) (See rates and fees)

American Express promises no annual fee on this card ever. You also have the ability to use Expanded Buying Power to make purchases above your credit limit if your business has more substantial spending needs (although be aware that your expanded buying power is determined based on your history with American Express).

Read our full American Express Blue Business Cash review.

Get 2% Back Automatically

Intro Offer

Earn a $250 statement credit after spending $3,000 on purchases in the first 3 months

Annual Fee

$0

Rewards Rate

2% cash back on the first $50,000 in eligible purchases each year, then 1% after that

Benefits and Drawbacks

Benefits

  • Earn a $250 statement credit after spending $3,000 on purchases in the first 3 months
  • Earn 2% cash back on the first $50,000 spent each year
  • No annual fee. Terms apply,

Drawbacks

  • Annual spending cap on bonus cash back
Card Details
  • Earn a $250 statement credit after spending $3,000 on purchases in the first 3 months
  • 2% cash back on the first $50,000 in eligible purchases each year, then 1% after that
  • Intro purchase 0% APR offer: 0% for 12 months then 15.49% to 23.49% (variable)
  • Terms apply

Ink Business Unlimited® Credit Card

When you sign up for the Ink Business Unlimited, you'll receive a $750 new cardmember bonus if you spent $7,500 within your first 3 months of becoming a new card member. With employee credit cards available at no extra cost, hitting this spending requirement will be easier if you share cards with your staff.

Other benefits of the Ink Business Unlimited include:

  • Unlimited 1.5% cash back on all spending so you can get the maximum rewards for Vrbo without worrying about whether it is classified as a travel purchase
  • A 0% introductory APR on purchases for 12 months (then 14.74% to 20.74% (variable)), so you can take time to pay for your vacation accommodations
  • Redeem for cash back or shop through Chase Ultimate Rewards

This card has a $0 annual fee, but does charge a 3% foreign transaction fee so it is also best for those who primarily travel within the United States.

Read our full Ink Business Unlimited review.

Unlimited Cash Back

Intro Offer

Earn $750 bonus cash back after spending $7,500 in the first 3 months

Annual Fee

$0

Rewards Rate

1.5% cash back on all spending

Benefits and Drawbacks

Benefits

  • New Offer: $750 cash back sign-up offer
  • Unlimited 1.5% cash back on all spending
  • 0% APR for 12 months on purchases
  • No annual fee

Drawbacks

  • Has foreign transaction fee
  • No lucrative rewards categories
Card Details
  • Earn $750 bonus cash back after spending $7,500 in the first 3 months
  • 1.5% cash back on all spending
  • Intro purchase 0% APR offer: 0% for 12 months then 14.74% to 20.74% (variable)

Why we chose these cards

We picked credit cards that either provided you with bonus rewards for Vrbo purchases or that provide a great everyday rewards rate on all purchases so you can get rewarded for spending on your vacation rental. We also looked for cards that were generally good for travelers and that offered generous signup bonuses so you could get rewarded for becoming a new cardmember.

The bottom line on the best credit card for Vrbo

Choosing the best credit card for Vrbo shouldn't just involve looking at which card will give you the most rewards for booking your vacation rental accommodations. You want a rewards card that you can use for the long-term for many purchases you make, both at home and while traveling. Check out our list to find the best rewards credit card for you.

Ultimately, you need to consider your lifestyle, the things you spend money on the most, and what's most important to you in order to pick a card that's right for your situation.

Our #1 Travel Card

Intro Offer

Earn 60,000 points after spending $4,000 on purchases in the first 3 months

Annual Fee

$95

Rewards Rate

5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases

Benefits and Drawbacks

Benefits

  • 60,000 point sign-up bonus
  • 5X points on Lyft rides and travel booked through Chase Ultimate Rewards
  • 25% more value when redeeming rewards for travel through Chase Ultimate Rewards
  • 10% anniversary point bonus each year
  • $50 annual credit on hotel stays booked through Ultimate Rewards
  • Premium travel protection benefits

Drawbacks

  • Has annual fee
  • Typically need to spend thousands to reap rewards
Card Details
  • Earn 60,000 points after spending $4,000 on purchases in the first 3 months
  • 5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases

Author Details

Christy Rakoczy Christy Rakoczy has a Juris Doctorate from UCLA Law School with a focus in Business Law, and a Certificate in Business Marketing with an English Degree from The University of Rochester. As a full-time personal finance writer, she writes about all things money-related but her special areas of focus are credit cards, personal loans, student loans, mortgages, smart debt payoff strategies, and retirement and Social Security. Her work has been featured by USA Today, MSN Money, CNN Money and more, and you can learn more at her LinkedIn profile.