Best Credit Cards for Airbnb

These cards can earn you extra rewards on Airbnb stays while also letting you redeem those rewards for more Airbnb purchases.

Claire TsosieSeptember 15, 2020
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Best Credit Cards for Airbnb

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Budget travelers, here's a way to stretch your dollars even further: Get a credit card that rewards you for Airbnb stays.

These days, there are plenty of good options to choose from. Payment networks (such as Visa and Mastercard) classify purchases made through the home-sharing platform in the same way as hotels, confirms Airbnb. That means that many general travel credit cards will help you earn extra rewards on Airbnb stays — which can be much more affordable than traditional hotel stays — while also giving you the option of redeeming those rewards for more Airbnb purchases.

Here are some credit cards that get top marks for Airbnb devotees.

Capital One® Venture® Rewards Credit Card

Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or earn 50,000 miles if you spend $3,000 on purchases in the first 3 months.. 2 miles per dollar spent on all purchases. $95.

Earning with Airbnb: 2 miles back for every dollar spent on all purchases, including Airbnb purchases.

Redeeming with Airbnb: 1 cent per mile when redeeming as travel statement credit for Airbnb purchases or other qualifying travel purchases.

Pros:

  • Big sign-up bonus: Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or earn 50,000 miles if you spend $3,000 on purchases in the first 3 months..

  • High ongoing rewards rate. You'll get 2 miles per dollar spent on all purchases.

  • Transfer partners, such as Cathay Pacific, Singapore Airlines and Etihad Airways.

  • Up to $100 credit for Global Entry or TSA Precheck.

  • No foreign transaction fees.

Cons:

  • Annual fee of $95.

  • Transfer rate of 2 Venture miles to 1.5 airline miles in most cases (a couple of options offer a 2:1 ratio). That's less favorable than the 1:1 ratio available on some cards.

Wells Fargo Propel American Express® card

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value3 points per dollar spent on dining out, ordering in, gas stations, rideshares, transit, flights, hotels, homestays, car rentals, and popular streaming service; 1 point per dollar spent on all other non-bonus-category purchases.$0. Terms apply.

Earning with Airbnb: 3 points back for every dollar spent on hotel and homestay purchases, including Airbnb, in addition to other ongoing rewards. Terms apply.

Redeeming with Airbnb: 1 cent per point when redeeming as cash back, which can be used toward an Airbnb purchase. Other redemption options are also available.

Pros:

  • Generous sign-up bonus for a $0-annual-fee card: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

  • Bonus rewards in several categories. The card offers 3 points per dollar spent on dining out, ordering in, gas stations, rideshares, transit, flights, hotels, homestays, car rentals, and popular streaming services, and 1 point per dollar spent on all other non-bonus-category purchases.

  • No foreign transaction fees.

  • Annual fee of $0.

  • Terms apply.

Cons:

  • No transfer partners.

  • American Express isn’t accepted as widely abroad as Mastercard or Visa.

Chase Sapphire Reserve®

Chase Chase Sapphire Reserve Credit Card
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Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards® . 3 points per dollar spent on travel (after earning the $300 travel credit) and dining, and 1 point per dollar spent on other purchases. $550.

Earning with Airbnb: 3 points back for every dollar spent on travel, including Airbnb purchases, in addition to other ongoing rewards.

Redeeming with Airbnb: 1 cent per mile when redeeming as cash back, which can be used for Airbnb purchases. The card’s annual $300 travel credit can also be used for Airbnb stays.

Pros:

  • Big sign-up bonus: Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards® .

  • Several 1:1 transfer partners, including British Airways, United Airlines and Hyatt.

  • High ongoing rewards rate. You'll earn 3 points per dollar spent on travel (after earning the $300 travel credit) and dining, and 1 point per dollar spent on other purchases. Plus, you can earn 10 points per $1 spent on Lyft rides through March 2022.

  • No foreign transaction fees.

  • Annual travel credit of $300, which is automatically applied to travel purchases, including Airbnb.

  • Priority Pass Select access to airport lounges upon enrollment.

  • Up to $100 application fee credit for Global Entry or TSA Precheck.

Cons:

  • High annual fee of $550.

  • Redeeming for cash back or Airbnb gift cards — which you need to do if you want to use rewards for Airbnb — is less valuable than redeeming for travel.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred Credit Card
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Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®. 2 points per dollar spent on travel and dining, and 1 point per dollar spent on other purchases. $95

Earning with Airbnb: 2 points back for every dollar spent on travel, including Airbnb purchases, in addition to other ongoing rewards.

Redeeming with Airbnb: 1 cent per mile when redeeming as cash back, which can be used for Airbnb purchases.

Pros:

  • Big sign-up bonus: Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.

  • Several 1:1 transfer partners, including British Airways, United Airlines and Hyatt.

  • No foreign transaction fees.

  • 5 points per $1 spent on Lyft rides through March 2022.

Cons:

  • Annual fee of $95.

  • Rewards rate could be higher. The card offers 2 points per dollar spent on travel and dining and 1 point per dollar spent on all other purchases.

  • Redeeming for cash back or Airbnb gift cards — which you need to do if you want to use rewards for Airbnb — is less valuable than redeeming for travel.

Bank of America® Premium Rewards® credit card

Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening. 2 points for every dollar spent on travel and dining purchases and 1.5 points per dollar spent on all other purchases. $95.

Earning with Airbnb: 2 points back for every dollar spent on travel, including Airbnb purchases, in addition to other ongoing rewards.

Redeeming with Airbnb: 1 cent per mile when redeeming as a statement credit for Airbnb purchases or other qualifying expenses. You can get a higher redemption rate if you qualify for the Bank of America® Preferred Rewards program.

Pros:

  • Big sign-up bonus: Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.

  • High ongoing rewards. You'll earn 2 points for every dollar spent on travel and dining purchases and 1.5 points per dollar spent on all other purchases.

  • No foreign transaction fees.

  • Up to $200 in combined airline incidental credit and Global Entry or TSA Precheck credit.

Cons:

  • No transfer partners.

  • Annual fee of $95.

  • Highest rewards rate, which is available through the issuer's Preferred Rewards program, is only available to qualifying customers.

Bank of America® Travel Rewards credit card

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. 1.5 points per dollar spent on all purchases. $0.

Earning with Airbnb: 1.5 points back for every dollar spent on all purchases, including Airbnb purchases.

Redeeming with Airbnb: 1 cent per mile when redeeming as travel statement credit for Airbnb purchases or other qualifying expenses. You can get a higher redemption rate if you qualify for the Bank of America® Preferred Rewards program.

Pros:

  • Solid sign-up bonus for a $0-annual-fee card: 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

  • No foreign transaction fees.

  • Annual fee of $0.

Cons:

  • No transfer partners.

  • Ongoing rewards could be higher. You get 1.5 points per dollar spent on all purchases.

  • Highest rewards rate, which is available through the issuer's Preferred Rewards program, is only available to qualifying customers.

Deserve® Pro Mastercard

3% cash back on travel and entertainment and 2% cash back at restaurants up to a combined $500 in spending each billing cycle, and 1% cash back on all other purchases. $0.

Earning with Airbnb: 3% cash back on travel, including Airbnb purchases, in addition to other ongoing rewards.

Redeeming with Airbnb: Cash back can be used toward Airbnb purchases (or any other purchases).

Pros:

  • No foreign transaction fees.

  • Annual fee is $0.

Cons:

  • No sign-up bonus.

  • Cash back is redeemed automatically, but only in increments of $25.

  • Rewards come with spending caps. You'll get 3% cash back on travel and entertainment and 2% cash back at restaurants up to a combined $500 in spending each billing cycle, and 1% cash back on all other purchases.

Discover it® Miles

Discover it® Miles
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UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. 1.5 miles per dollar spent on all purchases. $0.

Earning with Airbnb: 1.5 miles back for every dollar spent on all purchases, including Airbnb purchases.

Redeeming with Airbnb: 1 cent per mile when redeeming as travel statement credit for Airbnb purchases or other qualifying expenses.

Pros:

  • Solid sign-up bonus for a $0-annual-fee card: UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

  • No foreign transaction fees.

  • Annual fee is $0.

Cons:

  • No transfer partners.

  • Ongoing rewards could be higher. You get 1.5 miles per dollar spent on all purchases.

  • Discover isn’t as widely accepted abroad as Mastercard and Visa.

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