Categories

Rewards Credit Cards

Getting a Vacation Rental? Pay for It With These Credit Cards

At Experian, one of our priorities is consumer credit and finance education. This post may contain links and references to one or more of our partners, but we provide an objective view to help you make the best decisions. For more information, see our Editorial Policy.

The popularity of home vacation rental sites like Airbnb, VRBO and HomeAway has exploded in recent years, and it's no wonder: A home rental can offer extra space, the ability to use a kitchen and a unique, homey perspective on a new city.

If you're traveling this year and plan to rent a place to stay in lieu of a hotel, you should still get travel rewards for those stays. The good news is that there are several cards that count Airbnb, VRBO, HomeAway and other rental sites as travel purchases, allowing you to maximize your rewards. Not all do, though, which is why you'll want to pay for your rental with a card from the list below. There are also several cards that let you book those stays using travel points.

Check out the cards below in Experian's CreditMatch™ marketplace.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Apply

on Chase's website

Recommended FICO® Score*
Good - Exceptional

Chase Sapphire Preferred® Card

APR

15.99% - 22.99% Variable

Intro APR

N/A

Rewards

2X points on Dining & Travel

1X points on All Other Purchases

Intro Bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Annual Fee

$95

Card Details
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.

Chase recently started coding Airbnb and VRBO purchases under travel, instead of "property management" as it had in the past. That means you'll earn 2 points per $1 spent on purchases at vacation rental sites like Airbnb.

Discover it® Miles

Discover it® Miles

Apply

on Discover's website

Recommended FICO® Score*
Good - Exceptional

Discover it® Miles

APR

11.99% - 22.99% Variable

Intro APR

0% on Purchases and 10.99% on Balance Transfers for 14 months

Rewards

1.5x miles on All Purchases

Intro Bonus

Unlimited Miles Match. Discover will automatically match all the Miles you’ve earned at the end of your first year.

Annual Fee

$0

Card Details
  • UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

Rates and Fees

This is another solid no annual fee travel rewards card. You earn 1.5 miles per dollar spent on every purchase, including Airbnb and VRBO stays. Discover will also automatically match all the miles you've earned at the end of your first year, effectively doubling your earn rate for the first year. Redeem those miles at 1 cent per mile for travel statement credits on Airbnb purchases and other qualifying expenses.