If you like traveling and not necessarily hotels, vacation rentals are easily the best option. With Airbnb-style rentals or vacation condos, you don’t have to squeeze the whole family into your hotel room. In addition, in addition to the shared living space and kitchen for preparing meals, you can also get more space to move around. So you don’t have to pay to eat out every time you eat.

But the biggest benefit of vacation rentals is sleeping time. If you’re traveling with kids or a large family and don’t want to share a bedroom, you can book a vacation rental with multiple bedrooms.

Many properties that can be rented on Vrbo or HomeAway are offered at a much lower price than if you were trying to book a hotel room of the same size. You can also take advantage of the facilities of a large resort, such as a pool, hot tub, gym and on-site restaurant.

One of the biggest complaints people have about vacation rentals is that it’s not easy to book with Rewards Points, can If you have the appropriate rewarded credit card, pay for the rental condo with points. Here are four perfectly functional reward cards that allow you to redeem your points for a vacation rental stay.

Intro bonusBuy $ 3,000 within 3 months of opening your account and enjoy a one-time bonus of 60,000 miles. That’s $ 600 on a trip.

April16.24% -24.24% (variable)

Recommended credit Great, good

Rate of return

  • Earn 5x more miles at hotels and car rentals booked with Capital One Travel. Here you can get the best prices on Capital One with thousands of travel options.
  • Earn unlimited 2X miles every day with every purchase.

Annual fee$ 95

Intro purchase AprilNot applicable

The Capital One Venture Rewards Card can be the ideal reward card for covering vacation rentals for multiple reasons. First, this card offers an unlimited double mile for every $ 1 spent, plus a big welcome bonus. You can then redeem your miles for your desired travel experience at a rate of 1 cent per mile.

Redeeming miles is as easy as a pie, as you can use miles to erase all or part of your travel purchases from your invoice. The key to doing this is to ensure that your vacation rental is coded as a trip on your credit card statement.

Strong Points

  • 2x miles per dollar for each purchase
  • Easy redemption
  • Favorable welcome bonus

Disadvantages

  • Some vacation rentals may not be coded as a trip

Intro bonusUnlimited Bonus: Discover only offers unlimited matches for all miles earned at the end of the first year. For example, if you earn 35,000 miles, you will earn 70,000 miles. There are no sign-ups, minimum spending, or maximum rewards. It’s a Miles-for-Miles match.

April12.24% -23.24% variable

Recommended credit Excellent / good

Rate of return

  • Earn unlimited 1.5x miles for every $ 1 spent on every purchase, with no annual fee.

Annual fee$ 0

Intro purchase April0% intro APR for 15 months

Discoverit® Miles is another card option that makes booking vacation rentals with points easier than ever. This card runs out 1.5 miles for every $ 1 spent.However, Discover also Match miles You earn in the first year and your first year triples miles per dollar.

Redeeming miles is easy. You can cash in at a rate of 1 cent per mile to cover your invoice travel expenses. So you can use Discover® Miles to pay for vacation rentals when you’re ready and cash your miles to cover some or all of your expenses.

Strong Points

  • 1.5x miles per dollar for each purchase
  • Double the reward for the first year
  • Easy redemption

Disadvantages

  • Some travel protection
  • Statement credits can only be used for travel, gas, or meal purchases made in the last 180 days

Intro bonusEarn 60,000 Bonus Points by purchasing $ 4,000 in the first three months of opening your account. Use with Chase Ultimate Rewards® for $ 750.

April15.99% -22.99% variable

Recommended credit Excellent / good

Rate of return

  • Five times more travel than purchased with Chase Ultimate Rewards®
  • Three times as much as a meal.
  • Twice and more than all other travel purchases.

Annual fee$ 95

Intro purchase AprilNot applicable

The ChaseSapphire Preferred® Card is another travel card suitable for vacation rentals and can be used in multiple ways. This card is also excellent in terms of long-term profits as it offers many rewards across multiple bonus categories.

On the redemption side, Chase Ultimate Rewards® points can be redeemed for statement credits at a rate of 1 cent per point. Therefore, you can redeem your points for any purchase, including vacation rentals.

However, depending on where you are staying, you may be able to book your vacation rental from the Chase Ultimate Rewards® portal. Although options may be limited, it’s not uncommon to be able to book a two-bedroom or three-bedroom condo directly at points. The advantage of booking from the portal is that booking with points increases the value of your Chase Sapphire Preferred® card by 25%. Therefore, this strategy allows you to fork fewer points in the same condo.

Strong Points

  • Good reward
  • Flexible redemption options
  • Solid travel protection

Disadvantages

Intro bonus25,000 online bonus points after making a purchase of at least $ 1,000 during the first 90 days of opening an account. This could be a $ 250 statement credit for the purchase of the trip.

April13.99% -23.99% Purchase and Balance Transition Fluctuations APR

Recommended credit Excellent / good

Rate of return

  • Earn unlimited 1.5 points for every $ 1 spent on every purchase. There are no annual fees or overseas transaction fees, and points do not expire.

Annual fee$ 0

Intro purchase April0% intro APR for 15 billing cycles of purchase

Bank of America® Travel Rewards Credit Cards are a smart option for travel expenses, as you earn a flat rate of 1.5 points for every $ 1 spent. There are no annual fees or foreign transaction fees. You can also get a welcome bonus early on. As long as you have the card, your points will never expire.

Like some other cards on this list, you can use this card to redeem your points for statement credits to cover your travel expenses. Unlike many hotel loyalty cards, this flexibility allows you to price shops and compare vacation rentals to find the best deal, without being tied to one hotel brand.

For example, if you find your favorite vacation rental at a price you can live with on Airbnb or Vrbo, you can book with your card and redeem your points when you’re charged. However, you can also book with other travel vendors such as Expedia, TripAdvisor, Priceline, etc., as you have the option to shop at a lower price.

All travel expenses are valid, so you can also use your points to book vacation rentals, flights, or traditional hotels. The choice is up to you.

Strong Points

  • 1.5 points for each purchase
  • Redeem statement credits to cover travel expenses

Disadvantages

[This article was first published on The Simple Dollar in 2020. It was updated in March 2022.]