20 cards ranked
Best credit card to use at KOA.
TravelVacation Rentals
KOA (Kampgrounds of America) runs the largest network of private campgrounds in North America, over 500 locations spanning tent sites, RV hookups, and cabin rentals, bookable through koa.com and its Rewards program. Campground charges code as lodging or campground merchants, generally inside travel category definitions.
- #1FNBO5x points on travelAirlines, hotels, car rental, cruise lines, travel agencies, transit, taxis, tolls, and timeshares by merchant category code5.0%5x points
- #24.0%4x points
- #3PenFed Credit Union4x points on travel4x with PenFed Honors Advantage (military or Access America checking); 3x otherwise4.0%4x points
- #44.0%4x points
- #54.0%4x points
- #64.0%4x points
- #7Chase3x points on travel (up to $150,000/year, then 1%)Travel, shipping, internet/cable/phone, advertising on search engines and social media (combined $150,000/yr cap)3.8%3x points
- #83%
- #9Chase3x points on travelTravel other than Air Canada direct purchases, which earn 3x under the airlines category3.0%3x points
- #103%
- #113%
- #123.0%3x points
- #133.0%3x points
- #143.0%3x points
- #153%
- #16Bank of America Cash Rewards Securedif you select itBank of America3% on travel if you select it as a bonus category (up to $2,500/quarter, then 1%)3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row3%
- #17Bank of America Customized Cash Rewardsif you select itBank of America3% on travel if you select it as a bonus category (up to $2,500/quarter, then 1%)3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row3%
- #182.5%2x points
- #19Chase5x points on travelAll other travel earns 5x through December 31, 2026, then 3x; flights booked directly and car rentals stay at 5x2.5%5x points
- #20Chase5x points on travelAll other travel earns 5x through December 31, 2026, then 3x; flights booked directly and car rentals stay at 5x2.5%5x points
Travel cards are the natural fit: Chase Sapphire Preferred and Reserve count campground stays in their travel multipliers, Capital One Venture X earns its flat 2x everywhere, and annual-fee travel credits like the Sapphire Reserve's have been reported to apply to campground charges. KOA Rewards stacks on top regardless of card.
Last updated October 23, 2026