Best Credit Card for Booking.com Vacation Rentals in 2026
Booking.com Vacation Rentals is classified under MCC 6513 (Real Estate Agents and Managers - Rentals). The best card for Booking.com Vacation Rentals purchases is the Bilt (no annual fee), earning 1x on real estate agents and managers - rentals — an effective return of 1.50%.
Booking.com Vacation Rentals falls under the Real Estate Agents and Managers category, which is a valuable MCC for travel rewards credit cards like Bilt.
Maximize your rewards by timing your Booking.com reservations with special promotions on travel cards to potentially earn bonus points beyond the base rate.
Spending Math
If you spend $200 monthly on Booking.com Vacation Rentals with the Bilt card at 1x points, you earn $2.00 per month or $24.00 annually. A standard 1% cash back card would also net you $24.00 in rewards over a year.
Booking.com Vacation Rentals purchases are classified under MCC 6513 (Real Estate Agents and Managers - Rentals).
MCC Details for Booking.com Vacation Rentals
Best Credit Cards for Booking.com Vacation Rentals (2026)
How Booking.com Vacation Rentals Codes on Your Statement
When you pay at Booking.com Vacation Rentals in the app or online, your card issuer sees MCC 6513 in the transaction data. This code tells your bank that the purchase was made at a real estate agents and managers - rentals merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "real estate agents and managers - rentals" purchases, Booking.com Vacation Rentals transactions will qualify — even if your card terms only mention a category name and not Booking.com Vacation Rentals specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Booking.com Vacation Rentals transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 6513 qualifies for bonus rewards.
Bonus Category Match — Booking.com Vacation Rentals
About MCC 6513: Real Estate Agents and Managers - Rentals
Merchant Category Code 6513 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Real Estate Agents and Managers - Rentals industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 6513, all qualifying card programs that include real estate agents and managers - rentals as a bonus category will apply the elevated earn rate.
The Financial industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Real Estate Agents and Managers - Rentals merchants: Airbnb, Evolve Vacation Rental, FlipKey.
What You Could Earn at Booking.com Vacation Rentals
Spending $200/month at Booking.com Vacation Rentals with the Bilt (1x on real estate agents and managers - rentals) earns approximately $24/year in rewards. A basic 1% card earns $24 on the same spending. That is $0 more per year with no annual fee.