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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.
Nov. 4, 2019
Credit Cards, Rewards Credit Cards, Travel Credit Cards
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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.

» MORE: 3 ways consumers benefit when hotels compete with Airbnb

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Apply Now on Capital One's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • Flexible rewards redemption
    • No foreign transaction fee
    • Sign-up bonus

    Cons

    • Has annual fee
    • Redemption value for cash is half of value for travel
    • Requires good/excellent credit

    Annual Fees

    $0 for the first year, then $95

    APR

    • APR: 17.49% - 24.74% Variable APR
    • Cash Advance APR: 24.74%, Variable

    Bonus Offers

    Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel

    Intro APR

    • N/A
  • Additional Information
    • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
    • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
    • Named ‘The Best Travel Card' by CNBC, 2018
    • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
    • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
    • Miles won't expire for the life of the account and there's no limit to how many you can earn
    • No foreign transaction fees
    • $0 intro annual fee for the first year; $95 after that

Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel. 2 miles per dollar spent on all purchases. $0 for the first year, then $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 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel.
  • 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 $0 for the first year, then $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.

» MORE: Full review of the Capital One® Venture® Rewards Credit Card

Wells Fargo Propel American Express® card

Wells Fargo Propel American Express® card

Wells Fargo Propel American Express® card

Apply Now on Wells Fargo's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • No annual fee
    • Sign-up bonus
    • No foreign transaction fee
    • Intro APR period on Purchases and qualifying Balance Transfers

    Cons

    • American Express isn’t accepted at as many merchants as Visa or Mastercard
    • Requires good/excellent credit

    Annual Fees

    $0

    APR

    • APR: 15.49% - 27.49% Variable APR

    Bonus Offers

    Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value

    Intro APR

    • 0% APR for 12 months on purchases and qualifying balance transfers
  • Additional Information
    • Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value
    • $0 annual fee and no foreign currency conversion fee
    • Earn 3X points on eating out and ordering in
    • Earn 3X points on travel including flights, hotels, homestays and car rentals
    • Earn 3X points on gas stations, rideshares and transit
    • Earn 3X points on popular streaming services
    • Earn 1X points on other purchases
    • Select "Apply Now" to learn more about the product features, terms and conditions
    • View Rates and Fees

Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value. 3 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 30,000 bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 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.

» MORE: Full review of the Wells Fargo Propel American Express® card

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Apply Now on Chase's secure site
  • Recommended Credit Score
  • 720
    850
    Excellent
  • Card Details
  • Pros

    • A large bonus
    • High rewards rate
    • High value benefits
    • Cool factor - metal card
    • No foreign transaction fee

    Cons

    • High annual fee
    • Needs excellent credit

    Annual Fees

    $450

    APR

    • APR: 18.74% - 25.74% Variable APR
    • Cash Advance APR: 26.74%, Variable

    Bonus Offers

    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®

    Intro APR

    • N/A
  • Additional Information
    • Earn 50,000 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®
    • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
    • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
    • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
    • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
    • Up to $100 application fee credit for Global Entry or TSA Pre✓®

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. $450.

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.
  • 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 $450.
  • 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.

» MORE: Full review of the Chase Sapphire Reserve®

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Apply Now on Chase's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • A large bonus
    • No foreign transaction fee
    • Cool factor - metal card
    • Earn more points on travel and dining at restaurants
    • Premium travel protection benefits

    Cons

    • $95 annual fee

    Annual Fees

    $95

    APR

    • APR: 17.74% - 24.74% Variable APR
    • Cash Advance APR: 26.74%, Variable

    Bonus Offers

    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®

    Intro APR

    • N/A
  • Additional Information
    • 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®
    • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel

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®. 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 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®.
  • Several 1:1 transfer partners, including British Airways, United Airlines and Hyatt.
  • No foreign transaction fees.

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.

» MORE: Full review of the Chase Sapphire Reserve®

Bank of America® Premium Rewards® Visa® credit card

Bank of America® Premium Rewards® Visa® credit card

Bank of America® Premium Rewards® Visa® credit card

Apply Now on Bank of America's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • Sign-up bonus
    • Earn more points on travel and dining
    • Premium travel protections
    • Higher rewards rates for Bank of America and Merrill customers

    Cons

    • Annual fee
    • Highest rewards rate limited to certain customers

    Annual Fees

    $95

    APR

    • APR: 17.74% - 24.74% Variable APR
    • Penalty APR: up to 29.99% APR

    Bonus Offers

    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.

    Intro APR

    • N/A
  • Additional Information
    • 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
    • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
    • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
    • No limit to the points you can earn and your points don't expire
    • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill accounts, or gift cards or purchases at the Bank of America Travel Center
    • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
    • No Foreign Transaction Fees
    • Low $95 annual fee

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.

» MORE: Full review of the Bank of America® Premium Rewards® Visa® credit card

Bank of America® Travel Rewards Visa® credit card

Bank of America® Travel Rewards Visa® credit card

Bank of America® Travel Rewards Visa® credit card

Apply Now on Bank of America's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • No annual fee and no foreign transaction fees
    • Generous flat rewards rate on all purchases
    • Flexibility to book travel how you want
    • Rewards accelerator if you bank with Bank of America or invest with Merrill

    Cons

    • More restrictive than a straight cash back card
    • If you're a big spender with excellent credit and willing to pay an annual fee, there are cards with higher rewards

    Annual Fees

    $0

    APR

    • APR: 16.74% - 24.74% Variable APR
    • Penalty APR: up to 29.99% APR
    • Cash Advance APR: See Terms

    Bonus Offers

    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

    Intro APR

    • 0% on Purchases for 12 billing cycles
  • Additional Information
    • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
    • 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
    • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
    • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
    • Comes with chip technology for enhanced security and protection at chip-enabled terminals
    • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 16.74% - 24.74% Variable APR will apply
    • If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase

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.

» MORE: Full review of the Bank of America® Travel Rewards Visa® credit card

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.

» MORE: Full review of the Deserve® Pro Mastercard

Discover it® Miles

Discover it® Miles

Discover it® Miles

Apply Now on Discover's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • Rewards can be redeemed for travel or cash back at equal value
    • No annual fee or foreign transaction fee
    • Sign-up bonus
    • Flexible redemption options

    Cons

    • No luxury perks
    • Other cards offer higher rewards rates
    • Discover cards not widely accepted outside the U.S.
    • Requires good/excellent credit

    Annual Fees

    $0

    APR

    • APR: 13.49% - 24.49% Variable APR
    • Cash Advance APR: 26.49%, Variable

    Bonus Offers

    Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.

    Intro APR

    • 0% on Purchases for 14 months and 10.99% on Balance Transfers for 14 months
  • Additional Information
    • UNLIMITED BONUS: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.
    • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
    • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
    • Miles Pay You Back. Easily redeem Miles as a statement credit for travel purchases. Or get cash.
    • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
    • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
    • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
    • View Rates and Fees

Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get. 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: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.
  • 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.

» MORE: Full review of the Discover it® Miles