Credit Cards

What Credit Cards Does VRBO Accept

By David Krug David Krug is the CEO & President of Bankovia. He's a lifelong expat who has lived in the Philippines, Mexico, Thailand, and Colombia. When he's not reading about cryptocurrencies, he's researching the latest personal finance software. 5 minute read

Vrbo users should be aware that certain credit cards provide more points (and bonuses) than others when it comes to booking lodgings. When using a credit card to make a trip purchase, you may be eligible for additional benefits.

Booking a hotel or airfare has traditionally earned you bonus points, miles, or cash back with one of these cards. Alternatives to traditional hotels have grown in popularity in recent years, with AirBnB and Vrbo bookings increasing rapidly.

Vrbo lets you book accommodations directly from the owners of vacation homes, condominiums, and other real estate they own. For a variety of reasons, many tourists prefer vacation rentals over typical hotels, including the possibility of finding a more cheap place to stay or the option to stay somewhere unusual or eccentric.

Using a Vrbo may not always result in additional travel benefits from your credit card company. It’s a good idea to make sure that at least one of the credit cards in your wallet is on our list of the top reward credit cards for Vrbo reservations.

Choosing the Right Credit Card

You want to use a credit card that will provide you the most bonus points for your purchase whenever possible. If you’re making travel arrangements, it seems to reason that a travel card would be the most convenient option. However, you must ensure that the travel card you use includes Vrbo credit.

The credit card issuer’s “coding” of Vrbo transactions determines whether or not you’ll collect your additional points. Your bonus points, miles, or cash back will be applied if the transaction is classified as a travel cost. While it may be classed as a professional service (like property management or real estate), you will not be eligible for the additional awards.

Vrbo, which was purchased by HomeAway in 2006, and then both were purchased by Expedia in 2015, is a good example of this. This is why it’s crucial to check with your credit card company to see how they will handle your transaction.

“Does Vrbo qualify to travel with Chase?” is a common question. Vrbo appears to code to travel with Chase, according to reports from cardholders. There have been some cases when Chase customers have been able to get the charge rectified and their bonus points transferred to their account by calling Chase customer support, but this is rare.

It’s also possible to pay for your Vrbo transaction using an ordinary credit card that gives a nice reward rate for those who don’t want to bother about their lodgings coding correctly. No matter how you classify your purchases, you’ll receive the same high benefits with these credit cards.

For any Vrbo purchase, you’ll want to think about more than just the rewards rate, which is only important if you’re using a fresh card that you haven’t used before to pay. Annual fees, new cardmember bonuses, international transaction fees, and other incentives can all help you choose the best credit card for your specific scenario.

Best Business Credit Cards for VRBO

  • American Express Blue Business Cash Card. There is no annual fee with the Amex Blue Business Cash Card and the benefits are substantial.
  • The Chase Ink Business Unlimited Credit Card is offered by Chase. If you spend $7,500 in the first three months after signing up for the Chase Ink Business Unlimited, you’ll get a $750 bonus. It will be simpler to meet this spending requirement if you share credit cards with your employees, as they are accessible at no additional cost.

Best Credit Cards for Consumers

  • Chase Sapphire Reserve card. You can earn 5x total points on flights when you purchase travel through Chase Ultimate Rewards after the first $300 is spent on travel purchases annually, you will be able to earn 10x points on hotels and car rentals (when you purchase through Chase Ultimate Rewards, after the first $300 is spent on travel purchases), and you can earn 1x bonus points on all other purchases. This card, however, does have a $500 annual fee.
  • Chase Sapphire Preferred card. This card allows you to earn 5x on eligible purchases in travel, 2x bonus points on all other travel purchases, and 1x points per every dollar spent on all your purchases. Unlike the Chase Sapphire Reserve card, the Chase Sapphire Preferred card does not have an annual fee.
  • Venture Rewards credit card. You can earn unlimited 2 miles for every dollar spent on everyday purchases, and an unlimited 5 miles for every dollar spent on hotels, and rental cars booked through Capital One Travel.
  • Citi Double Cash card. With the Double Cash card from Citi, you earn unlimited 1% cash back for every dollar spent on purchases that are made with your cash back credit card, plus an additional 1% cash back as you pay for those purchases. It doesn’t matter if you pay in full or over time to earn the bonus rewards.
  • Chase Freedom Unlimited credit card. With the Chase Freedom Unlimited, you can earn generous rewards by racking up Chase Ultimate Rewards, which can be redeemed through the Chase Ultimate Rewards portal. You can earn 5% cash back on all travel purchased through Chase, 3% on dining (including purchases for takeout and drugstores), and 1.5% cash back on all other purchases.

If you would like to learn more about credit cards, including how to earn bonus points, we suggest you check out our previous articles, such as how to increase your credit limit on your Amex credit card or how to earn more Chase Ultimate Rewards.

Bottom Line

Booking your vacation rental accommodations with Vrbo requires a variety of factors, and choosing a credit card that gives you the most rewards is only one part of the equation. You are looking for a rewards card that you can use for a long period of time, both at home and when travelling, for a variety of transactions. To locate the best rewards credit card for you, check out our list.

When choosing a credit card, it’s crucial to think about your lifestyle, what you spend the most money on, and what’s most important to you. The ability to earn rewards, however, is always a net positive, particularly if you travel often.

Making Vrbo purchases can help you to earn extra bonus points, and cut down on your travel expenses, with the right card, among other benefits. This makes shopping around various credit card companies in order to find the perfect credit card issuer for your needs very important.

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