Residence leases are a preferred different to inns, and you might be contemplating an Airbnb to your subsequent journey.
Whereas the subject of the most effective bank cards for lodge stays will get lots of consideration, it is a completely different matter for Airbnb stays. That is very true when you think about that lodge chains have their very own bank cards, but Airbnb doesn’t.
In the event you’ve determined to go the Airbnb route, which rewards bank card must you use to make the acquisition? Let’s take a more in-depth have a look at your finest choices.
What’s Airbnb?
In the event you’re unfamiliar with Airbnb, the positioning provides all kinds of lodging choices when touring. In lots of circumstances, Airbnb supplies privately owned rooms, residences, homes, boathouses and lodge rooms. They’re obtainable for each short- and long-term stays.
Whereas costs are generally extra inexpensive than equal lodge rooms, it must be famous that Airbnb isn’t precisely a lodge on a funds.
There are tradeoffs. Features comparable to room service, each day housekeeping and different full-service facilities aren’t normally discovered. Nonetheless, in case you are trying to find distinctive lodging or need the sensation of being in a house whereas away from dwelling, Airbnb might be a very good possibility.
Teams and people touring with others additionally are inclined to choose Airbnb, since it is easy to order multi-bedroom lodging.
Past stays, Airbnb provides experiences. These can embrace excursions, out of doors actions like whale watching, cooking lessons or perhaps a nice photographer to snap photographs to your social media throughout your subsequent trip.
Airbnb would not have a loyalty program, so utilizing the precise bank card is the easiest way to profit from these purchases.
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Associated: Airbnb is aware of the way you wish to journey — and it is utilizing that knowledge that can assist you e-book the proper keep
Which bank card is finest 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 the most effective bank cards for Airbnb are on our record of the finest bank cards for journey.
The knowledge 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 offered by the cardboard issuer.
Incomes charges on the highest playing cards for Airbnb
*Bonus supply worth is predicated on TPG’s Might 2025 valuations and never offered by the bank card issuer.
A more in-depth have a look at the most effective 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 journey class. This is a deep dive into the most effective 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 inns. With the American Specific Inexperienced Card’s broad journey bonus class, nevertheless, you will remember to earn greater than 1 level per greenback on Airbnb stays.
Annual payment: $150
Welcome supply: 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, primarily based on TPG’s Might 2025 valuations. In the event you’re flying to get to your Airbnb, you too can make the most of an as much as $199 Clear Plus annual assertion credit score to make that course of smoother. (Enrollment is required for choose advantages; phrases apply.)
To be taught extra, learn our full assessment of the Amex Inexperienced Card.
Associated: Is the Amex Inexperienced Card well worth the annual payment?
Capital One Enterprise Rewards Credit score Card
The Capital One Enterprise Rewards is a superb selection for individuals who worth a simple incomes fee on all purchases, together with trip rental bookings and anything you purchase.
Annual payment: $95
Welcome supply: Earn 75,000 bonus miles after you spend $4,000 on purchases throughout the first three months of account opening.
Airbnb incomes fee: 2 miles per greenback
Why we prefer it: In change for a $95 annual payment, this Capital One bank 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 Might 2025 valuations.
You can too redeem your rewards to cowl your Airbnb keep at a fee of 1 cent per mile. Nonetheless, should you determine to not use your rewards for Airbnb bookings, you need to use them to cowl any journey purchases made along with your card within the final 90 days or switch them to one among 15-plus airline and lodge switch companions.
To be taught extra, learn our full assessment of the Enterprise Rewards.
Study extra: Capital One Enterprise Rewards
Capital One Enterprise X Rewards Credit score Card
The Enterprise X card additionally provides a simple 2 miles per greenback spent on all purchases not booked within the journey portal, together with your subsequent Airbnb reserving. It provides extra luxurious perks than its lower-annual-fee counterpart, the Enterprise Rewards card.
Annual payment: $395
Welcome supply: Earn 75,000 bonus miles after you spend $4,000 on purchases throughout 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 stable possibility for individuals who do not wish to memorize a number of bonus classes.
Like with the Enterprise Rewards, you possibly can 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 along 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 useful perks, comparable to a $300 annual journey credit score for Capital One Journey bookings, reimbursement to your International Entry or TSA PreCheck utility payment, entry to airport lounges (together with Capital One’s rising community) and rental automobile elite standing.
To be taught extra, learn our full assessment of the Enterprise X.
Study extra: Capital One Enterprise X
Chase Sapphire Most popular Card
The Sapphire Most popular boasts robust incomes classes for an inexpensive annual payment, making this one among our favourite journey playing cards available on the market.
Annual payment: $95
Welcome supply: 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 useful Chase Final Rewards factors, which TPG’s Might 2025 valuations place at 2.05 cents apiece while you switch to one among Chase’s 14 journey companions. Per our valuations, you will obtain a 4.1% return in your spending while you use the Sapphire Most popular on Airbnb bookings.
Plus, you will obtain a $50 annual lodge credit score on bookings made by way of Chase Journey. It is vital to notice Airbnb bookings aren’t obtainable by way of the portal, so they are not eligible for this credit score.
To be taught extra, learn our full assessment of the Sapphire Most popular.
Apply right here: Chase Sapphire Most popular
Chase Sapphire Reserve
The Sapphire Reserve is a stable premium possibility for anybody trying to acquire Final Rewards factors on their Airbnb stays.
Annual payment: $550
Welcome supply: 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: Firstly, you need to use the cardboard’s $300 journey credit score towards a variety of journey 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 primarily based on TPG’s Might 2025 valuations.
To be taught extra, learn our full assessment of the Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Ink Enterprise Most popular Credit score Card
For small-business homeowners searching for a stable return on their Airbnb purchases, the Ink Enterprise Most popular is a good selection.
Annual payment: $95
Welcome supply: 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 greenback†
†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 search engines like google and yahoo
- Web, cable and telephone companies
- Delivery purchases
- Journey, together with Airbnb
Why we prefer it: That is one other Chase card that earns a incredible 3 factors per greenback on journey, together with Airbnb stays.
Whereas this is not a shopper card, getting permitted for a enterprise card could also be simpler than you assume.
To be taught extra, learn our full assessment of the Ink Enterprise Most popular.
Apply right here: Ink Enterprise Most popular
Prime Visa
How does the Amazon card make our record of the most effective playing cards for Airbnb? Two phrases: Present playing cards. Airbnb reward playing cards can be found on Amazon, and you may simply get 5% again this fashion.
Annual payment: $0; you have to have an Amazon Prime membership
Welcome supply: Earn a $150 Amazon reward card instantly upon approval, completely for Prime members.
Airbnb incomes fee: 5% again when buying Airbnb reward 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 reward playing cards. Then, use these playing cards to pay to your upcoming keep.
Word that Airbnb restricts, in fantastic print, using reward playing cards for long-term stays (28 days or extra).
To be taught extra, learn our full assessment of the Amazon Prime Visa.
Apply right here: Prime Visa
Wells Fargo Autograph Journey Card
The Wells Fargo Autograph Journey is a stable choice to earn bonus factors on Airbnb stays for a modest annual payment.
Annual payment: $95
Welcome supply: 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 while you pay with the Autograph Journey. Per TPG’s Might 2025 valuation of Wells Fargo factors at 1.6 cents per level, you will obtain a 4.8% return in your spending.
Wells Fargo factors may be transferred to seven switch companions. Whereas this record is not so long as a few of its opponents, it does embrace useful companions comparable to British Airways Membership, Membership Iberia Plus and Virgin Atlantic Flying Membership.
To be taught extra, learn our full assessment of the Wells Fargo Autograph Journey.
Apply right here: Wells Fargo Autograph Journey Card
Maximizing your subsequent Airbnb keep
Some of the vital elements in benefiting from your on a regular basis spending is selecting the most effective journey rewards bank card for each buy. This is not at all times a simple process, as some playing cards earn useful transferable factors whereas others give bonus factors for sure classes of purchases. Deciding what’s extra vital is a private determination.
For any Airbnb keep, although, see should you can double dip. As an illustration, you possibly can simply earn bonus factors or miles with applications like British Airways Membership, Delta SkyMiles or Qantas Frequent Flyer by clicking by way of their Airbnb procuring 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. As an illustration, in case your native grocery retailer additionally sells Airbnb reward playing cards, you need to use a card that earns bonuses at grocery shops to maximise your buy. The identical applies to workplace provide shops.
Since a number of bank cards supply annual journey credit, contemplate these as nicely. Utilizing these credit generally is a method to offset your journey prices when staying at Airbnb, since you possibly can’t switch your factors to Airbnb for award bookings.
Associated: Airbnb provides once-in-a-lifetime stays class and simpler group reserving instruments
Backside line
Airbnb is a good lodging possibility for journeys, because the platform represents a pleasant different to conventional inns. I’ve personally stayed in dozens of Airbnbs all through my travels and normally favor them over chain inns.
Along with the distinctive properties you possibly can e-book, some stable bank card choices help you earn a good haul of factors or money again. Simply bear in mind to assessment every itemizing’s cancellation coverage and evaluations fastidiously earlier than reserving.
Associated: Our Airbnb host canceled our trip rental on the final minute. Now what?
