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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.
April 10, 2019
Credit Cards, Rewards Credit Cards, Travel Credit Cards
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  • Wells Fargo Propel American Express® Card

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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

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

Barclaycard Arrival Plus® World Elite Mastercard®

Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days. 2 miles per dollar spent on all purchases and a 5% bonus on all miles redeemed. $89 (waived first year).

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. You’ll also get a 5% bonus on any points you redeem, potentially giving you an effective 2.1% rewards rate.

Pros:

  • Big sign-up bonus: Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
  • High ongoing rewards rate and redemption bonus. You’ll get 2 miles per dollar spent on all purchases, and a 5% bonus on all miles redeemed. For example, if you redeem 100,000 miles, you’ll get 5,000 miles back in your account. That gives you an effective rewards rate of 2.1%.
  • No foreign transaction fees.

Cons:

  • Annual fee of $89 (waived first year).
  • Minimum redemption for travel statement credit is 10,000 miles, worth $100 (unless you’re redeeming miles for your card’s annual fee). If you’re covering an Airbnb stay that costs less than that, you may not be able to use your rewards to cover it.
  • No transfer partners.

» MORE: Full review of the Barclaycard Arrival Plus® World Elite Mastercard®

Wells Fargo Propel American Express® Card

Earn 30K 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 30K 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®

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

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® 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.

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

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.

» MORE: Full review of the Bank of America® Travel Rewards 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 will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel! 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 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • 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