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Residence leases are a well-liked various to accommodations, and chances are you’ll be contemplating an Airbnb in your subsequent journey.
Whereas the subject of the best credit cards for hotel stays will get a whole lot of consideration, it is a completely different matter for Airbnb stays. That is very true when you think about that resort chains have their very own bank cards, but Airbnb doesn’t.
Should you’ve determined to go the Airbnb route, which rewards credit card do you have to use to make the acquisition? Let’s take a better take a look at your greatest choices.
What’s Airbnb?
Should you’re unfamiliar with Airbnb, the positioning gives all kinds of lodging choices when touring. In lots of circumstances, Airbnb supplies privately owned rooms, flats, homes, boathouses and resort rooms. They’re obtainable for each short- and long-term stays.
Whereas costs are generally extra inexpensive than equal resort rooms, it ought to be famous that Airbnb will not be precisely a resort on a price range.
There are tradeoffs. Facets comparable to room service, every day housekeeping and different full-service facilities aren’t normally discovered. Nevertheless, if you’re looking for distinctive lodging or need the sensation of being in a house whereas away from house, Airbnb may very well be a great choice.
Teams and people touring with others additionally are inclined to choose Airbnb, since it is simple to order multi-bedroom lodging.
Past stays, Airbnb gives experiences. These can embody excursions, outside actions like whale watching, cooking lessons or perhaps a nice photographer to snap images in your social media throughout your subsequent trip.
Airbnb does not have a loyalty program, so utilizing the suitable bank card is the easiest way to take advantage of these purchases.
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Which bank card is greatest for Airbnb stays and experiences?
You may even see some acquainted names among the many playing cards listed above. That is as a result of a number of of one of the best bank cards for Airbnb are on our listing of the best credit cards for travel.
The data for the American Specific Inexperienced Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Incomes charges on the highest playing cards for Airbnb
*Bonus provide worth is predicated on TPG’s Could 2025 valuations and never supplied by the bank card issuer.
A more in-depth take a look at one of the best bank cards for Airbnb
Airbnb sometimes codes as “journey” in your bank card assertion. This implies it can set off any bonus factors or annual credit supplied within the travel category. Here is a deep dive into one of the best playing cards for Airbnb.
American Specific Inexperienced Card
Some journey playing cards have extra restricted journey classes that do not transcend the scope of airfare and hotels. With the American Specific Inexperienced Card’s broad journey bonus class, nevertheless, you may remember to earn greater than 1 level per greenback on Airbnb stays.
Annual payment: $150
Welcome provide: Earn 40,000 bonus factors after spending $3,000 on purchases within the first six months of card membership.
Airbnb incomes fee: 3 factors per greenback
Why we prefer it: The Amex Inexperienced is essentially the most versatile Membership Rewards card in terms of incomes bonus factors for each greenback spent on Airbnb.
These 3 factors equate to a 6% return in your spending, based mostly on TPG’s Could 2025 valuations. Should you’re flying to get to your Airbnb, you can even make the most of an as much as $199 Clear Plus annual statement credit to make that course of smoother. (Enrollment is required for choose advantages; phrases apply.)
To be taught extra, learn our full review of the Amex Green Card.
Associated: Is the Amex Green Card worth the annual fee?
Capital One Enterprise Rewards Credit score Card
The Capital One Venture Rewards is a superb selection for many who worth an easy incomes fee on all purchases, together with trip rental bookings and the rest you purchase.
Annual payment: $95
Welcome provide: Earn 75,000 bonus miles after you spend $4,000 on purchases inside the first three months of account opening.
Airbnb incomes fee: 2 miles per greenback
Why we prefer it: In alternate for a $95 annual payment, this Capital One credit card earns you a flat 2 miles per greenback spent on purchases with Airbnb. This implies you are getting 3.7% again in your spending, per TPG’s Could 2025 valuations.
You can too redeem your rewards to cowl your Airbnb keep at a fee of 1 cent per mile. Nevertheless, in case you determine to not use your rewards for Airbnb bookings, you should use them to cowl any journey purchases made together with your card within the final 90 days or switch them to one in every of 15-plus airline and hotel transfer partners.
To be taught extra, learn our full review of the Venture Rewards.
Study extra: Capital One Venture Rewards
Capital One Enterprise X Rewards Credit score Card
The Venture X card additionally gives an easy 2 miles per greenback spent on all purchases not booked within the journey portal, together with your subsequent Airbnb reserving. It gives extra luxurious perks than its lower-annual-fee counterpart, the Venture Rewards card.
Annual payment: $395
Welcome provide: Earn 75,000 bonus miles after you spend $4,000 on purchases inside the first three months of account opening.
Airbnb incomes fee: 2 miles per greenback
Why we prefer it: The Enterprise X’s incomes charges are easy, making this a strong choice for many who do not need to memorize a number of bonus classes.
Like with the Enterprise Rewards, you may redeem your Capital One miles to cowl your Airbnb keep at 1 cent per mile. You can too use them to cowl any journey purchases made together with your card within the final 90 days or switch them to a Capital One switch companion.
The Enterprise X’s $395 annual payment is offset by its worthwhile perks, comparable to a $300 annual travel credit for Capital One Journey bookings, reimbursement in your Global Entry or TSA PreCheck application fee, entry to airport lounges (together with Capital One’s growing network) and rental car elite status.
To be taught extra, learn our full review of the Venture X.
Study extra: Capital One Venture X
Chase Sapphire Most popular Card
The Sapphire Preferred boasts robust incomes classes for an affordable annual payment, making this one in every of our favorite travel cards in the marketplace.
Annual payment: $95
Welcome provide: Earn 60,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
Airbnb incomes fee: 2 factors per greenback on all different journey
Why we prefer it: This card earns worthwhile Chase Ultimate Rewards points, which TPG’s Could 2025 valuations place at 2.05 cents apiece once you switch to one in every of Chase’s 14 journey companions. Per our valuations, you may obtain a 4.1% return in your spending once you use the Sapphire Most popular on Airbnb bookings.
Plus, you may obtain a $50 annual hotel credit on bookings made by means of Chase Journey. It is essential to notice Airbnb bookings aren’t obtainable by means of the portal, so they don’t seem to be eligible for this credit score.
To be taught extra, learn our full review of the Sapphire Preferred.
Apply right here: Chase Sapphire Preferred
Chase Sapphire Reserve
The Sapphire Reserve is a strong premium choice for anybody trying to accumulate Final Rewards factors on their Airbnb stays.
Annual payment: $550
Welcome provide: Earn 60,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
Airbnb incomes fee: 3 factors per greenback
Why we prefer it: Initially, you should use the cardboard’s $300 journey credit score towards a wide range of travel purchases, together with Airbnb.
Plus, incomes 3 factors per greenback on Airbnb makes this card helpful for incomes factors towards your purchases after the $300 credit score is spent. These 3 factors equate to a 6.2% return based mostly on TPG’s Could 2025 valuations.
To be taught extra, learn our full review of the Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Ink Enterprise Most popular Credit score Card
For small-business homeowners in search of a strong return on their Airbnb purchases, the Ink Business Preferred is a good selection.
Annual payment: $95
Welcome provide: Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening.
Airbnb incomes fee: 3 factors per greenbackâ€
†On the primary $150,000 spent in mixed purchases every account anniversary 12 months within the following classes:
- Promoting purchases made with social media websites and engines like google
- Web, cable and cellphone providers
- Delivery purchases
- Journey, together with Airbnb
Why we prefer it: That is one other Chase card that earns a improbable 3 factors per greenback on journey, together with Airbnb stays.
Whereas this is not a shopper card, getting approved for a business card could also be simpler than you suppose.
To be taught extra, learn our full review of the Ink Business Preferred.
Apply right here: Ink Business Preferred
Prime Visa
How does the Amazon card make our listing of one of the best playing cards for Airbnb? Two phrases: Reward playing cards. Airbnb present playing cards can be found on Amazon, and you may simply get 5% again this manner.
Annual payment: $0; you have to have an Amazon Prime membership
Welcome provide: Earn a $150 Amazon present card instantly upon approval, solely for Prime members.
Airbnb incomes fee: 5% again when buying Airbnb present playing cards on Amazon
Why we prefer it: To maximise your money again on Airbnbs with the Prime Visa, use this card to purchase Airbnb present playing cards. Then, use these playing cards to pay in your upcoming keep.
Observe that Airbnb restricts, in fantastic print, the usage of present playing cards for long-term stays (28 days or extra).
To be taught extra, learn our full review of the Amazon Prime Visa.
Apply right here: Prime Visa
Wells Fargo Autograph Journey Card
The Wells Fargo Autograph Journey is a strong choice to earn bonus factors on Airbnb stays for a modest annual payment.
Annual payment: $95
Welcome provide: Earn 60,000 bonus factors after spending $4,000 in purchases within the first three months of account opening.
Airbnb incomes fee: 3 factors per greenback
Why we prefer it: Anticipate to obtain 3 factors per greenback on purchases made with Airbnb once you pay with the Autograph Journey. Per TPG’s Could 2025 valuation of Wells Fargo factors at 1.6 cents per level, you may obtain a 4.8% return in your spending.
Wells Fargo factors might be transferred to seven transfer partners. Whereas this listing is not so long as a few of its opponents, it does embody worthwhile companions comparable to British Airways Membership, Membership Iberia Plus and Virgin Atlantic Flying Membership.
To be taught extra, learn our full review of the Wells Fargo Autograph Journey.
Apply right here: Wells Fargo Autograph Journey Card
Maximizing your subsequent Airbnb keep
Probably the most essential elements in benefiting from your on a regular basis spending is selecting one of the best journey rewards bank card for each buy. This is not all the time a straightforward job, as some playing cards earn valuable transferable points whereas others give bonus factors for certain categories of purchases. Deciding what’s extra essential is a private choice.
For any Airbnb keep, although, see in case you can double dip. For example, you may simply earn bonus factors or miles with packages like British Airways Membership, Delta SkyMiles or Qantas Frequent Flyer by clicking through their Airbnb shopping portals, no matter what bank card you employ to e book.
These playing cards are all nice choices for Airbnb, however there are numerous others on the market. For example, in case your native grocery retailer additionally sells Airbnb present playing cards, you should use a card that earns bonuses at grocery stores to maximise your buy. The identical applies to workplace provide shops.
Since a number of credit cards offer annual travel credits, think about these as nicely. Utilizing these credit could be a technique to offset your journey prices when staying at Airbnb, since you may’t switch your factors to Airbnb for award bookings.
Associated: Airbnb adds once-in-a-lifetime stays category and easier group booking tools
Backside line
Airbnb is a good lodging choice for journeys, because the platform represents a pleasant various to conventional accommodations. I’ve personally stayed in dozens of Airbnbs all through my travels and normally favor them over chain accommodations.
Along with the distinctive properties you may e book, some strong bank card choices mean you can earn an honest haul of factors or money again. Simply bear in mind to overview every itemizing’s cancellation coverage and evaluations rigorously earlier than reserving.
Associated: Our Airbnb host canceled our vacation rental at the last minute. Now what?