Best Credit Card for Vrbo in 2026
Vrbo is classified under MCC 6513 (Real Estate Agents and Managers - Rentals). The best card for Vrbo purchases is the Bilt (no annual fee), earning 1x on real estate agents and managers - rentals — an effective return of 1.50%.
The Vrbo MCC (6513) is crucial for credit card rewards because it covers vacation rentals, which can be a big part of travel spending. Look for cards in the Travel category to maximize your earnings.
To maximize rewards, book your rental through a travel portal linked to a high-reward travel card rather than directly on Vrbo's site.
Vrbo purchases are classified under MCC 6513 (Real Estate Agents and Managers - Rentals).
MCC Details for Vrbo
Best Credit Cards for Vrbo (2026)
How Vrbo Codes on Your Statement
When you pay at Vrbo 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, Vrbo transactions will qualify — even if your card terms only mention a category name and not Vrbo specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Vrbo 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 — Vrbo
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, Booking.com Vacation Rentals, Evolve Vacation Rental.
What You Could Earn at Vrbo
Spending $200/month at Vrbo 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.