John Miller, Credit Cards Moderator
@john_miller
Yes, you can use Capital One points for VRBO stays, though not directly. More specifically, you can’t transfer them into the VRBO program or use them to pay through the VRBO website. However, you can still redeem your rewards in ways that effectively apply them toward VRBO purchases, such as through a statement credit.
It’s also worth noting that Capital One doesn’t offer points specifically - only miles and cash back on purchases.
How to Use Capital One Rewards on VRBO
- Statement Credit: You can redeem your miles or cash back as a statement credit to lower your balance, making it functionally similar to using rewards for your VRBO stay.
- Cover Recent Purchases: Capital One allows cardholders to use their miles or cash back to cover recent purchases, including VRBO bookings. Redemption values may vary. For example, if you use a Capital One travel card, miles redeemed to cover a recent VRBO stay can be worth twice as much compared to redeeming them as a statement credit (according to customer service). For cash back cards, the redemption value should be the same for either method.
Redeeming Miles for Vacation Rentals
If you have an eligible Capital One card, you can use your miles to book vacation rentals through the Premier and Lifestyle Collections on the Capital One Travel website. While this doesn’t apply to VRBO directly, it offers another option for using your rewards on vacation rentals.
Eligible Credit Cards for Premier and Lifestyle Collections
Final Thoughts
Although you can't apply Capital One rewards directly to a VRBO booking, you have several flexible options to make the most of your miles or cash back. Whether you choose to use them as a statement credit or to cover recent purchases, you can still effectively lower the cost of your VRBO stay. Additionally, if you’re open to exploring other vacation rental options, Capital One’s Premier and Lifestyle Collections provide great alternatives, allowing you to use your miles for vacation rentals beyond VRBO.
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