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
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. 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: Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
High ongoing rewards rate. You'll get 2 miles per dollar spent on all purchases.
Transfer partners, such as 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.
Chase Sapphire Reserve®
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®. Earn bonus rewards in a variety of popular spending categories, including dining and travel. $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 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.
Several 1:1 transfer partners, including British Airways, United Airlines and Hyatt.
High ongoing rewards rates. Earn bonus rewards in a variety of popular spending categories, including dining and travel.
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 NEXUS, 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
Earn 60,000 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®. Earn bonus rewards in a variety of popular spending categories, including dining and travel. $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 60,000 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®.
Bonus rewards: Earn bonus rewards in a variety of popular spending categories, including dining and travel. Plus, each account anniversary, cardmembers will earn bonus points equal to 10% of total purchases made the previous year.
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 2025.
Cons:
Annual fee of $95.
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 online 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 online 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 $100 a year in statement credit for airline incidentals.
Up to $100 in statement credit for Global Entry or TSA Precheck application fee.
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
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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