Best Credit Cards for Vacation Rentals in June 2025
Chase Sapphire Preferred® Card
- 2x points on travel and dining
- 1x point per dollar on all other purchases
- No foreign transaction fees
- 25% more value when you redeem for travel through Chase Ultimate Rewards®
American Express® Gold Card
- 4x Membership Rewards® points at restaurants
- 3x points on flights booked directly with airlines or on amextravel.com
- $120 Dining Credit annually
- No foreign transaction fees
Capital One Venture Rewards Credit Card
- 2x miles per dollar on every purchase
- Global Entry or TSA PreCheck® application fee credit
- No foreign transaction fees
- Redeem miles for travel and statement credits
Citi Premier® Card
- 3x points on air travel, hotels, restaurants, supermarkets, and gas stations
- 1x point on all other purchases
- 80,000 bonus points after qualifying purchases
- No foreign transaction fees
Hilton Honors American Express Aspire Card
- 14x points on Hilton hotel purchases
- 7x points on flights booked, car rentals, and at restaurants in the U.S.
- Complimentary Hilton Diamond status
- Annual free weekend night reward
Vacation rentals have become an increasingly popular choice for travelers seeking a home-away-from-home experience. When planning your next getaway, choosing the right credit card can enhance your travel experience by offering rewards, protection, and savings. Here’s a comprehensive guide on how to choose the best credit card for vacation rentals without delving into individual product recommendations.
Understanding Your Spending Habits
Before selecting a credit card, consider your spending habits during vacations. Are you likely to book through popular vacation rental platforms, or do you prefer boutique options? Understanding your typical expenses can guide you in choosing a card with rewards suited to your lifestyle.
Rewards and Benefits
Travel Rewards Programs: Many credit cards offer travel rewards, earning points or miles on purchases. Look for cards with significant rewards on travel spending, which can later be redeemed for vacation rentals, flights, or other travel-related expenses.
Cash Back Offers: Some cards offer cash back on vacation rentals, providing a straightforward way to save on lodging costs. Consider whether cash back is more beneficial for your financial strategy compared to travel rewards.
Sign-Up Bonuses: Credit cards often offer sign-up bonuses that can significantly offset vacation rental costs. Review the terms carefully to ensure you can meet minimum spending requirements to qualify for these bonuses.
Travel Protections
Travel Insurance: Protect your bookings and trip investments with a credit card that provides comprehensive travel insurance. This can include trip cancellation, interruption insurance, and more.
Purchase Protection: Some cards offer purchase protection for items bought with the card, which can be particularly useful if you plan on making significant purchases during your trip.
Foreign Transaction Fees
If your vacation plans include international destinations, choosing a credit card with no foreign transaction fees is crucial. This feature can save you a considerable amount on currency conversion costs and additional charges.
Considerations for Frequent Travelers
If you travel frequently, a card with airport lounge access, no foreign transaction fees, and a robust rewards program could be more beneficial. Evaluate annual fees against the potential savings and benefits to make an informed decision.
Link Considerations
For those interested in online shopping and deals, check out this top credit cards for online shopping. Additionally, if you are looking for reliable financial institutions to pair with your card choice, explore the best credit unions 2023.
Conclusion
In conclusion, selecting the best credit card for vacation rentals involves evaluating your travel and spending habits, understanding the rewards programs, and considering the additional travel protections offered. By making an informed choice, you can enhance your travel experience, maximize rewards, and ensure peace of mind during your vacations.