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Best Credit Cards for Vacation Rentals

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

CardRewards.ai helps you find the best credit card for your spending with data-driven recommendations, side-by-side comparisons, and expert analysis.

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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.

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Best Credit Cards for Vacation Rentals

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

Resolved as:Vacation RentalsCached
85%
108 matches805ms

Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank

Capital One Venture Rewards Credit Card
1

Capital One Venture Rewards Credit Card

Capital One

5x Venture Miles on Vacation Rentals via Portal
5x × 1.9¢/pt = 9.3¢ per dollar

Why this card

  1. 1.5x on vacation rentals — points worth 1.9¢ each ($555/yr on $6,000 spend)
  2. 2.$300/yr $300 Capital One Travel Stays Credit (First Year)

$15 in credits offset the $95 fee

MASTERCARDCore Rate
9.3¢
per dollar on vacation rentals
$95/yr($15 in credits)
Annual rewards$555
+ Credits$15
− Annual fee$95
Net annual value$475
2

Capital One Venture X Rewards Credit Card

Capital One

5x Venture Miles on Vacation Rentals via Portal
5x × 1.9¢/pt = 9.3¢ per dollar

Why this card

  1. 1.5x on vacation rentals — points worth 1.9¢ each ($555/yr on $6,000 spend)

$315 in credits offset the $395 fee

VISACore Rate
9.3¢
per dollar on vacation rentals
$395/yr($315 in credits)
Annual rewards$555
+ Credits$315
− Annual fee$395
Net annual value$475
Capital One VentureOne Rewards Credit Card
3

Capital One VentureOne Rewards Credit Card

Capital One

5x Venture Miles on Vacation Rentals via Portal
5x × 1.9¢/pt = 9.3¢ per dollar

Why this card

  1. 1.5x on vacation rentals — points worth 1.9¢ each ($555/yr on $6,000 spend)

No annual fee

MASTERCARDCore Rate
9.3¢
per dollar on vacation rentals
No annual fee
Annual rewards$555
Net annual value$555
Chase Sapphire Preferred Card
4

Chase Sapphire Preferred Card

Chase

3x Ultimate Rewards on Vacation Rentals
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on vacation rentals — points worth 1.8¢ each ($324.00/yr on $6,000 spend)

$134 in credits fully offsets the $95 fee

VISACore Rate
5.4¢
per dollar on vacation rentals
$95/yr($134 in credits)
Annual rewards$324.00
+ Credits$134
− Annual fee$95
Net annual value$363.00
5

Bilt Palladium Card

Cardless

2x Bilt Rewards on Vacation Rentals
2x × 2.2¢/pt = 4.4¢ per dollar

Why this card

    $300 in credits offset the $495 fee

    MASTERCARD
    4.4¢
    per dollar on vacation rentals
    $495/yr($300 in credits)
    Annual rewards$264.00
    + Credits$300
    − Annual fee$495
    Net annual value$69
    Capital One QuicksilverOne Cash Rewards Credit Card
    6

    Capital One QuicksilverOne Cash Rewards Credit Card

    Capital One

    5% cash back on Vacation Rentals via Portal

    Why this card

    1. 1.5% cash back on vacation rentals ($300/yr on $6,000 spend)
    MASTERCARDCore Rate
    5.0¢
    per dollar on vacation rentals
    $39/yr
    Annual rewards$300
    − Annual fee$39
    Net annual value$261
    SavorOne Rewards from Capital One
    7

    SavorOne Rewards from Capital One

    Capital One

    5% cash back on Vacation Rentals via Portal

    Why this card

    1. 1.5% cash back on vacation rentals ($300/yr on $6,000 spend)
    MASTERCARDCore Rate
    5.0¢
    per dollar on vacation rentals
    $39/yr
    Annual rewards$300
    − Annual fee$39
    Net annual value$261
    Wells Fargo Active Cash Card
    8

    Wells Fargo Active Cash Card

    Wells Fargo

    2% cash back on Vacation Rentals
    Up to 3.2¢/$ (1.6¢/pt)via Choice Privileges

    Why this card

    1. 1.Up to 1.6¢/pt via Choice Privileges

    No annual fee

    VISA
    2.0¢
    per dollar on vacation rentals
    No annual fee
    Annual rewards$120
    Net annual value$120
    Citi Strata Elite℠ Card
    9

    Citi Strata Elite℠ Card

    Citi

    1.5x ThankYou Points on Vacation Rentals
    1.5x × 1.6¢/pt = 2.4¢ per dollar

    Why this card

      $762.50 in credits fully offsets the $595 fee

      MASTERCARD
      2.4¢
      per dollar on vacation rentals
      $595/yr($762.50 in credits)
      Annual rewards$144
      + Credits$762.50
      − Annual fee$595
      Net annual value$311.50
      10

      The Platinum Card from American Express

      Amex

      1x Membership Rewards on Vacation Rentals
      1x × 1.5¢/pt = 1.5¢ per dollar

      Why this card

        $1,397 in credits fully offsets the $895 fee

        AMEX
        1.5¢
        per dollar on vacation rentals
        $895/yr($1,397 in credits)
        Annual rewards$90
        + Credits$1,397
        − Annual fee$895
        Net annual value$592
        Synchrony Premier Mastercard
        11

        Synchrony Premier Mastercard

        Synchrony

        2% cash back on Vacation Rentals

        Why this card

          No annual fee

          MASTERCARD
          2.0¢
          per dollar on vacation rentals
          No annual fee
          Annual rewards$120
          Net annual value$120
          12

          One Key+ Card

          Wells Fargo

          2% cash back on Vacation Rentals
          MASTERCARD
          2.0¢
          per dollar on vacation rentals
          $99/yr
          Annual rewards$120
          − Annual fee$99
          Net annual value$21
          Chase Sapphire Reserve
          13

          Chase Sapphire Reserve

          Chase

          1x Ultimate Rewards on Vacation Rentals
          1x × 1.8¢/pt = 1.8¢ per dollar

          Why this card

            $960 in credits fully offsets the $795 fee

            VISA
            1.8¢
            per dollar on vacation rentals
            $795/yr($960 in credits)
            Annual rewards$108
            + Credits$960
            − Annual fee$795
            Net annual value$273
            14

            TD Double Up Credit Card

            Td Bank

            2% cash back on Vacation Rentals

            Why this card

              No annual fee

              VISA
              2.0¢
              per dollar on vacation rentals
              No annual fee
              Annual rewards$120
              Net annual value$120
              Fidelity Rewards Visa Signature Card
              15

              Fidelity Rewards Visa Signature Card

              Elan Financial

              2% cash back on Vacation Rentals

              Why this card

                No annual fee

                VISA
                2.0¢
                per dollar on vacation rentals
                No annual fee
                Annual rewards$120
                Net annual value$120
                BJ's One+™ Mastercard®
                16

                BJ's One+™ Mastercard®

                Capital One

                2% cash back on Vacation Rentals

                Why this card

                  No annual fee

                  MASTERCARD
                  2.0¢
                  per dollar on vacation rentals
                  No annual fee
                  Annual rewards$120
                  Net annual value$120
                  U.S. Bank Smartly Visa Signature Card
                  17

                  U.S. Bank Smartly Visa Signature Card

                  Usbank

                  2% cash back on Vacation Rentals

                  Why this card

                    No annual fee

                    VISA
                    2.0¢
                    per dollar on vacation rentals
                    No annual fee
                    Annual rewards$120
                    Net annual value$120
                    Rakuten American Express Card
                    18

                    Rakuten American Express Card

                    First Electronic Bank

                    1% cash back on Vacation Rentals

                    Convertible Cash Back — 1.0–2.0¢/$

                    This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

                    Why this card

                    1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

                    No annual fee

                    AMEXConvertible
                    1.0–2.0¢
                    per dollar on vacation rentals
                    depending on redemption
                    No annual fee
                    Annual rewards$94
                    Net annual value$94
                    Bank of America® Unlimited Cash Rewards Secured
                    19

                    Bank of America® Unlimited Cash Rewards Secured

                    Bank Of America

                    1.5% cash back on Vacation Rentals

                    Why this card

                    1. 1.1.5% cash back on vacation rentals ($90/yr on $6,000 spend)

                    No annual fee

                    VISACore Rate
                    1.5¢
                    per dollar on vacation rentals
                    No annual fee
                    Annual rewards$90
                    Net annual value$90
                    Bilt Blue Card
                    20

                    Bilt Blue Card

                    Cardless

                    1x Bilt Rewards on Vacation Rentals
                    1x × 2.2¢/pt = 2.2¢ per dollar

                    Why this card

                      No annual fee

                      MASTERCARD
                      2.2¢
                      per dollar on vacation rentals
                      No annual fee
                      Annual rewards$132.00
                      Net annual value$132.00
                      Bilt Obsidian Card
                      21

                      Bilt Obsidian Card

                      Cardless

                      1x Bilt Rewards on Vacation Rentals
                      1x × 2.2¢/pt = 2.2¢ per dollar

                      Why this card

                        $20 in credits offset the $95 fee

                        MASTERCARD
                        2.2¢
                        per dollar on vacation rentals
                        $95/yr($20 in credits)
                        Annual rewards$132.00
                        + Credits$20
                        − Annual fee$95
                        Net annual value$57.00
                        Citi Double Cash Card
                        22

                        Citi Double Cash Card

                        Citi

                        2% cash back on Vacation Rentals

                        Why this card

                          No annual fee

                          MASTERCARD
                          2.0¢
                          per dollar on vacation rentals
                          No annual fee
                          Annual rewards$120
                          Net annual value$120
                          23

                          SoFi Credit Card

                          Sofi

                          2% cash back on Vacation Rentals

                          Why this card

                            No annual fee

                            MASTERCARD
                            2.0¢
                            per dollar on vacation rentals
                            No annual fee
                            Annual rewards$120
                            Net annual value$120
                            24

                            PenFed Pathfinder Rewards Visa Signature Card

                            Penfed

                            1.5x Penfed Honors Advantage on Vacation Rentals
                            1.5x × 0.9¢/pt = 1.3¢ per dollar

                            Why this card

                              $50 in credits offset the $95 fee

                              VISA
                              1.3¢
                              per dollar on vacation rentals
                              $95/yr($50 in credits)
                              Annual rewards$80.10
                              + Credits$50
                              − Annual fee$95
                              Net annual value$35.10
                              Bank of America® Travel Rewards
                              25

                              Bank of America® Travel Rewards

                              Bank Of America

                              1.5x Bank of America Points on Vacation Rentals
                              1.5x × 1.0¢/pt = 1.5¢ per dollar

                              Why this card

                                No annual fee

                                VISA
                                1.5¢
                                per dollar on vacation rentals
                                No annual fee
                                Annual rewards$90
                                Net annual value$90
                                Navy Federal Visa cashRewards Card
                                26

                                Navy Federal Visa cashRewards Card

                                Navy Federal

                                1.5% cash back on Vacation Rentals

                                Why this card

                                  No annual fee

                                  VISA
                                  1.5¢
                                  per dollar on vacation rentals
                                  No annual fee
                                  Annual rewards$90
                                  Net annual value$90
                                  Discover it® Miles
                                  27

                                  Discover it® Miles

                                  Discover

                                  1.5x Cashback on Vacation Rentals
                                  1.5x × 1.0¢/pt = 1.5¢ per dollar

                                  Why this card

                                    No annual fee

                                    DISCOVER
                                    1.5¢
                                    per dollar on vacation rentals
                                    No annual fee
                                    Annual rewards$90
                                    Net annual value$90
                                    British Airways Visa Signature® Credit Card
                                    28

                                    British Airways Visa Signature® Credit Card

                                    Chase

                                    1x British Airways Club on Vacation Rentals
                                    1x × 1.0¢/pt = 1.0¢ per dollar

                                    Why this card

                                      $360 in credits fully offsets the $95 fee

                                      VISA
                                      1.0¢
                                      per dollar on vacation rentals
                                      $95/yr($360 in credits)
                                      Annual rewards$60
                                      + Credits$360
                                      − Annual fee$95
                                      Net annual value$325
                                      Marriott Bonvoy Bountiful Credit Card
                                      29

                                      Marriott Bonvoy Bountiful Credit Card

                                      Chase

                                      2x Marriott Bonvoy on Vacation Rentals
                                      2x × 0.7¢/pt = 1.4¢ per dollar

                                      Why this card

                                        $135 in credits offset the $250 fee

                                        VISA
                                        1.4¢
                                        per dollar on vacation rentals
                                        $250/yr($135 in credits)
                                        Annual rewards$84
                                        + Credits$135
                                        − Annual fee$250
                                        Net annual value-$31
                                        Hilton Honors American Express Card
                                        30

                                        Hilton Honors American Express Card

                                        Amex

                                        3x Hilton Honors on Vacation Rentals
                                        3x × 0.4¢/pt = 1.2¢ per dollar

                                        Why this card

                                          No annual fee

                                          AMEX
                                          1.2¢
                                          per dollar on vacation rentals
                                          No annual fee
                                          Annual rewards$72
                                          Net annual value$72