Home rentals through platforms like Airbnb have become a mainstream alternative to hotels, offering travelers more space, flexibility, and often, better value. But while hotel-branded credit cards are common, Airbnb doesn’t have its own dedicated card. This means choosing the right rewards card is crucial to maximize your earnings on these bookings. Here’s a breakdown of the best options available.
Why This Matters: The Rise of Alternative Lodging
Airbnb’s popularity isn’t just about cost; it’s about the experience. Travelers, particularly groups or those seeking longer stays, often prefer the amenities and space offered by Airbnb properties. However, unlike hotels, Airbnb doesn’t have a loyalty program with dedicated credit card perks. This makes leveraging general-purpose rewards cards essential.
Top Credit Cards for Airbnb Stays
Here are the most effective credit cards for earning rewards on Airbnb purchases, broken down by their key features:
American Express Green Card: The Flexible Option
The Amex Green Card stands out because of its broad travel bonus category, ensuring you earn 3 points per dollar spent on Airbnb.
- Annual Fee: $150
- Welcome Offer: 40,000 bonus points after spending $3,000 in the first six months.
- Airbnb Earning Rate: 3 points per dollar.
- Why It’s Good: The Amex Green offers the highest earning rate for Airbnb among general-purpose travel cards. Plus, it provides a statement credit toward Clear+ membership for smoother airport experiences.
Capital One Venture Rewards Credit Card: Straightforward Rewards
For those who prefer simplicity, the Capital One Venture Rewards card provides a flat 2 miles per dollar spent on all purchases, including Airbnb.
- Annual Fee: $95
- Welcome Offer: 75,000 bonus miles after spending $4,000 in the first three months, plus a $250 Capital One Travel credit.
- Airbnb Earning Rate: 2 miles per dollar.
- Why It’s Good: A flat earning rate means you don’t need to track categories; every purchase earns the same rewards. You can redeem miles for Airbnb stays or transfer them to airline and hotel partners.
Capital One Venture X Rewards Credit Card: Premium Perks
The Venture X offers the same 2 miles per dollar as the Venture Rewards but with more high-end benefits, offset by a higher annual fee.
- Annual Fee: $395
- Welcome Offer: 75,000 bonus miles after spending $4,000 in the first three months.
- Airbnb Earning Rate: 2 miles per dollar.
- Why It’s Good: The Venture X provides a $300 annual travel credit, reimbursement for Global Entry or TSA PreCheck, and access to airport lounges. It’s ideal for frequent travelers who can take advantage of these perks.
Chase Sapphire Preferred Card: Valuable Points
The Chase Sapphire Preferred earns 2 points per dollar on Airbnb purchases, but its true value lies in the transferability of Chase Ultimate Rewards points.
- Annual Fee: $95
- Welcome Offer: 75,000 bonus points after spending $5,000 in the first three months.
- Airbnb Earning Rate: 2 points per dollar.
- Why It’s Good: Chase Ultimate Rewards points can be transferred to airline and hotel partners for potentially higher redemption value.
Ink Business Preferred Credit Card: For Business Owners
If you’re a small-business owner, the Ink Business Preferred offers 3 points per dollar on travel, including Airbnb, up to $150,000 spent annually.
- Annual Fee: $95
- Welcome Offer: 100,000 bonus points after spending $8,000 in the first three months.
- Airbnb Earning Rate: 3 points per dollar.
- Why It’s Good: The highest earning rate for business-related Airbnb expenses.
Wells Fargo Autograph Journey Card: A Solid Alternative
The Wells Fargo Autograph Journey earns 3 points per dollar on Airbnb purchases, making it a viable option for those already in the Wells Fargo ecosystem.
- Annual Fee: $95
- Welcome Offer: 60,000 bonus points after spending $4,000 in the first three months.
- Airbnb Earning Rate: 3 points per dollar.
- Why It’s Good: Offers a competitive earning rate and transferable points, though its partner network isn’t as extensive as some competitors.
Maximizing Your Rewards: A Strategic Approach
The best card depends on your spending habits and travel preferences. Some cards prioritize high earning rates, while others offer valuable perks or flexible redemption options. Carefully consider which aligns best with your needs.
Bottom line: Airbnb provides a valuable alternative to traditional lodging, and choosing the right credit card can significantly boost your rewards earnings. Just remember to review cancellation policies and read reviews before booking.
