When touring with your loved ones or a big group of mates, vacationing “collectively” and never in separate resort rooms utilizing your factors and miles can get a bit difficult. Fortunately, there are trip rental platforms apart from Airbnb and Vrbo that can allow you to use your hard-earned factors and miles to e book complete properties as an alternative of paying money.
Trip dwelling leases have at all times been a fantastic device to have in your journey toolbox. At TPG, we have been inquisitive about the perfect methods to make use of your factors to e book a trip dwelling rental as a result of plunking down money will get previous in a rush.
And identical to selecting the perfect dwelling rental for you takes some talent, determining one of the simplest ways to redeem your factors for a house rental is not so simple as studying an award chart and hitting “e book now” — but it surely completely could be finished. Preserve studying to seek out out the perfect methods to make use of your factors to e book trip dwelling leases.
Redeem fixed-value factors for trip leases
For instance, the Capital One Enterprise Rewards Credit score Card earns 2 miles per greenback on all purchases and lets you redeem these factors at 1 cent every towards journey. Nevertheless, it is probably not the perfect use of Capital One miles, as TPG values them at 1.85 cents apiece; however, you may redeem these miles for journey. However bear in mind that whereas vrbo.com generally codes as journey, it does not at all times code as journey, relying on who owns and manages the property, so proceed with warning in that regard.
Associated: 12 ideas for selecting the right seashore home rental
One other card that’s nice for stacking factors for dwelling leases? The Financial institution of America® Premium Rewards® bank card. For TPG Director of Content material Summer season Hull, this card turned out to be a factors powerhouse for dwelling leases and some other cost that did not fall below anybody specific umbrella.
It earns 1.5 factors per greenback on non-bonus costs and a pair of factors per greenback on journey and eating. Nevertheless it will get higher when you financial institution with Financial institution of America, as your deposits with the financial institution can earn you as much as a 75% bonus on factors earned with this card by way of the financial institution’s Most well-liked Rewards program.
Since I am in that prime tier for banking with Financial institution of America, it bumps up my earnings on on a regular basis costs to about 2.63 factors per greenback and on journey or eating to three.5 factors per greenback. That is now one in every of my go-to playing cards for on a regular basis spending, and I am going to be capable of simply money the factors out at 1 cent every to offset what I spend on a house or cabin rental — or anything.
Day by day E-newsletter
Reward your inbox with the TPG Day by day publication
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
Use Marriott factors with Houses & Villas
When you have Marriott Bonvoy factors or a bank card that lets you switch your factors to Marriott (as with American Specific Membership Rewards or Chase Final Rewards), one other avenue for redeeming factors to e book a trip dwelling rental lies with the Houses & Villas by Marriott program.
Associated: Finest Marriott bank cards
Your per-point redemption worth is probably not as nice as another makes use of, so do the mathematics earlier than redeeming. Nevertheless, if in case you have Marriott factors you are not certain what to do with, it may be a simple method to lock in a superb dwelling rental utilizing your resort factors.
Simply know that while you’re reserving by way of Marriott’s program, your particular person bookings can be turned over to property administration firms that deal with it from that time on.
Associated: Finest bank cards for dwelling leases
Use Wyndham factors with Vacasa
With Wyndham’s mounted award chart — even on dwelling leases — it’s going to price 15,000 Wyndham factors per bed room per evening. Meaning a studio or one-bedroom prices 15,000 factors per evening, a two-bedroom prices 30,000 factors per evening, a three-bedroom prices 45,000 factors per evening and so forth. This could really be a a lot better worth than utilizing your factors on a conventional resort room, as some properties price as a lot as 30,000 factors per evening — for only a studio resort room.
Redeem: The last word information to incomes and redeeming Wyndham Rewards
The method, nonetheless, to e book a trip rental along with your factors is sort of cumbersome. Whilst you can seek for properties and availability straight on the Vacasa web site, you can not affirm a reservation instantly, such as you usually can with an everyday resort room. As an alternative, you’ll want to name Wyndham at 800-441-1034, and the consultant will ask you a bunch of questions, together with your Wyndham Rewards quantity and your required location.
In case you already know the house rental you need to e book, you may as well give them the itemizing quantity straight from the Vacasa website. Having a house rental already in thoughts will certainly velocity up the method.
Associated: Redeeming Wyndham factors with Vacasa is a good deal — with a catch
Sadly, because of blackout dates, there isn’t any method to know whether or not or not a property is offered to e book with factors within the reservation calendar, and you will want to attend for the Wyndham consultant to search for your particular dates.
TPG contributor Jennifer Yellin has booked totally different trip properties at ski resorts in New England and is about 50-50 with properties having the ability to be booked with factors (although they’re all obtainable for a paid reservation).
When you affirm a trip rental and date that works, the consultant will lock in your reservation with factors and clarify the cancellation coverage. When utilizing Wyndham Rewards factors for a trip rental, you may sometimes must cancel no less than 30 days prematurely. So long as you cancel throughout the window, all factors will go straight again to the account they got here from and there aren’t any extra charges. Nevertheless, when you cancel throughout the 30-day window, you may forfeit all factors redeemed.
In truth, in case you are seeking to redeem your resort factors for a trip rental, this has the potential to be the most effective applications on the market. Particularly since you may simply earn Wyndham factors from Wyndham Rewards bank cards or switch your Capital One miles to your Wyndham account at a 1:1 ratio.
Redeem Final Rewards factors for trip leases
Sadly, there is no such thing as a filter to seek for trip properties so you’ll have to scroll, however the possibility is offered on the Chase journey portal.
For instance, I looked for a “resort” in Park Metropolis, Utah, for Jan. 8 to Jan. 10, 2025, for six company and located a trip rental obtainable for $454 per evening (not together with taxes and costs).
In case you maintain the Chase Sapphire Reserve®, you may redeem your factors at a set worth of 1.5 cents every, which suggests one evening at this trip property (earlier than taxes and costs) will price you about 30,266 Final Rewards factors.
Use Hyatt factors with Hyatt Houses & Hideaways
Reserving a keep at one in every of these properties confers most of the identical perks as staying at a Hyatt resort, comparable to 5 base factors per greenback (plus any elite standing bonuses), elite evening credit and the flexibility to earn American Airways miles when linking your account. You may redeem Hyatt factors for award nights at any of those properties — although, after experimenting with some dummy bookings, the worth proposition does not appear to be as excessive as with conventional Hyatt inns.
As a result of you may switch each Bilt Rewards and Chase Final Rewards factors to Hyatt at a 1:1 ratio, it is not tough to accrue the factors you want for a free evening.
Houses & Hideaways offers clients a set buy fee of 1.2 factors per greenback. For instance, when you e book a three-night keep at a villa for $5,000, anticipate to pay about 416,667 factors. TPG values Hyatt factors at 1.7 cents apiece; due to this fact, when you redeem your Hyatt factors for a Houses & Hideaways trip rental, you aren’t maximizing their worth.
Associated: Find out how to earn factors with the World of Hyatt program
Use Alternative factors with Bluegreen Holidays
Alternative Privileges companions with a trip rental firm known as Bluegreen Holidays by its Ascend Resort Assortment. It operates primarily throughout the U.S., although there’s one property in Aruba (you may see the map of all places on Bluegreen’s web site).
Bluegreen Holidays affords low-cost award costs for surprisingly giant lodging. Check out the above instance of a three-bedroom suite for simply 25,000 factors on the Bluegreen Holidays Christmas Mountain Village in June 2025.
You may earn Alternative factors with Alternative bank cards, or you may switch American Specific Membership Rewards factors to Alternative at a 1:1 ratio (although we do not normally advocate this; Amex factors could be value significantly greater than Alternative factors, relying on how you utilize them).
Use Amex factors by way of Amex Journey
Click on on “Trip Leases” in your Amex journey dashboard to see the choose places and properties obtainable.
At current, American Specific Choose Houses + Retreats are solely present in 12 areas across the U.S. You will discover them within the Panhandle space of Alabama and Florida; Maui, Hawaii; Charleston, South Carolina; and different widespread trip spots. As is the case with many applications on this record, Amex’s providing is not even in the identical galaxy as Airbnb when it comes to quantity — but it surely gives properties you could not be capable of discover elsewhere.
Here is the problem: You will solely get a price of 0.7 cents per level to your reserving. TPG considers American Specific Membership Rewards factors to be value a median of two cents every — that means this can be a horrendous use of factors generally.
Associated: Redeeming American Specific Membership Rewards for optimum worth
Capital One trip leases
Capital One not too long ago unveiled two collections of trip leases: Premier and Life-style. The gathering(s) you may entry relies on which Capital One bank card you maintain.
In case you’ve bought both the Capital One Enterprise Rewards Credit score Card or the Capital One Spark Miles for Enterprise, you may entry the Life-style assortment. In case you’ve bought both the Capital One Enterprise X Rewards Credit score Card or the Capital One Enterprise X Enterprise, you may entry each the Life-style and the (extra fancy) Premier collections.
If you e book a keep by Capital One, you may obtain bonus perks comparable to expertise credit ($100 for Premier Assortment stays, $50 for Life-style Assortment stays), early check-in and late checkout when obtainable, and vacation spot specialists that will help you spherical out your journey. You will additionally earn 5 miles per greenback when paying to your keep — or you may redeem Capital One miles to offset your invoice at a fee of 1 cent per mile.
Once more, utilizing rewards to pay to your reservation is not preferrred, as TPG estimates Capital One miles to be value 1.85 cents every towards journey when transferring to airline and resort companions.
Associated: Redeeming Capital One miles for optimum worth
Redeem factors for Airbnb present playing cards
One other method to redeem factors for a house rental is to money in your factors for a house rental present card. Airbnb present playing cards, for instance, can be found by way of a number of factors applications.
Watch out when redeeming factors for present playing cards, because it is not at all times the perfect return per level, however it’s an possibility. With Chase Final Rewards, you may redeem factors for Airbnb present playing cards at 1 cent every. Whereas that isn’t a fantastic use of factors when you’re seeking to maximize your factors, which TPG values at 2.05 cents apiece, it’s an possibility if you wish to save in your subsequent trip rental.
This story talks a bit extra about redeeming factors for present playing cards and related cash-out choices.
Associated: Maximizing factors and miles to beat inflation and get monetary savings
Remember multibedroom resort residence choices
Whereas not a house rental within the true sense, do not forget that a number of resort loyalty applications have redemption choices for multibedroom residences. You in all probability will not have a yard and a pool with these, however the odds are good for a kitchen.
Many resort chains, comparable to Hyatt and Marriott, provide multibedroom residence-style redemptions, although availability is extra restricted than when reserving a normal resort room. Remember that Hyatt lets you e book suites on-line with factors, too.
Backside line
Your factors can get you extra than simply flights and conventional resort rooms — you should utilize them to e book trip dwelling leases.
If you understand for certain you need to go that route, now could be the time to take inventory of your pockets and see if in case you have the perfect card for this objective. The proper program for you could differ as there are lots of totally different bank cards and loyalty applications that can mean you can use rewards towards that subsequent trip dwelling rental.
