In Vacation USA, players roll dice and move around the board to various locations. They may opt to take a vacation on any landmark site they land on, or hold their money in hopes of landing on higher point value sites later. Players also may purchase Insurance cards one at a time (one at the start of the game, one on landing upon a white state), and must draw Hazard cards on red states. Hazards cost money, but may be ignored with the proper insurance. Each player may also borrow $1000 from the bank up to two times in the game to cover expenses.

The object of Vacation USA is to be the first player to accumulate at least 2500 points without owing any money.

Vacation USA claims to be an "Educational Experience", aiding the players in learning about U.S. vacation sites.

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