Residence leases are a well-liked various to motels, and you could be contemplating an Airbnb on your subsequent journey.
Whereas the subject of the finest bank cards for resort stays will get quite a lot of consideration, it is a totally different matter for Airbnb stays. That is very true when you think about that resort chains have their very own bank cards, but Airbnb doesn’t.
If you happen to’ve determined to go the Airbnb route, which rewards bank card do you have to use to make the acquisition? Let’s take a more in-depth have a look at your finest choices.
What’s Airbnb?
If you happen to’re unfamiliar with Airbnb, the positioning affords all kinds of lodging choices when touring. In lots of circumstances, Airbnb gives privately owned rooms, residences, homes, boathouses and resort rooms. They’re out there for each short- and long-term stays.
Whereas costs are generally extra reasonably priced than equal resort rooms, it ought to be famous that Airbnb will not be precisely a resort on a finances.
There are tradeoffs. Features akin to room service, every day housekeeping and different full-service facilities aren’t often discovered. Nevertheless, if you’re trying to find distinctive lodging or need the sensation of being in a house whereas away from house, Airbnb may very well be a very good choice.
Teams and people touring with others additionally are likely to favor Airbnb, since it is easy to order multi-bedroom lodging.
Past stays, Airbnb affords experiences. These can embody excursions, out of doors actions like whale watching, cooking courses or perhaps a nice photographer to snap images on your social media throughout your subsequent trip.
Airbnb would not have a loyalty program, so utilizing the correct bank card is one of the simplest ways to take advantage of these purchases.
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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 perfect bank cards for Airbnb are on our listing 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 provide worth relies on TPG’s Could 2025 valuations and never offered by the bank card issuer.
A more in-depth have a look at the perfect 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 provided within the journey class. Here is a deep dive into the perfect 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 motels. With the American Specific Inexperienced Card’s broad journey bonus class, nonetheless, you may you should definitely earn greater than 1 level per greenback on Airbnb stays.
Annual price: $150
Welcome provide: Earn 40,000 bonus factors after spending $3,000 on purchases within the first six months of card membership.
Airbnb incomes price: 3 factors per greenback
Why we prefer it: The Amex Inexperienced is probably the most versatile Membership Rewards card in relation to 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 Could 2025 valuations. If you happen to’re flying to get to your Airbnb, it’s also possible to reap the benefits 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 study extra, learn our full evaluate of the Amex Inexperienced Card.
Associated: Is the Amex Inexperienced Card well worth the annual price?
Capital One Enterprise Rewards Credit score Card
The Capital One Enterprise Rewards is a superb selection for individuals who worth a simple incomes price on all purchases, together with trip rental bookings and anything you purchase.
Annual price: $95
Welcome provide: Earn 75,000 bonus miles after you spend $4,000 on purchases throughout the first three months of account opening.
Airbnb incomes price: 2 miles per greenback
Why we prefer it: In alternate for a $95 annual price, 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 Could 2025 valuations.
You too can redeem your rewards to cowl your Airbnb keep at a price of 1 cent per mile. Nevertheless, in the event you resolve to not use your rewards for Airbnb bookings, you should utilize them to cowl any journey purchases made together with your card within the final 90 days or switch them to one in all 15-plus airline and resort switch companions.
To study extra, learn our full evaluate of the Enterprise Rewards.
Be taught extra: Capital One Enterprise Rewards
Capital One Enterprise X Rewards Credit score Card
The Enterprise X card additionally affords a simple 2 miles per greenback spent on all purchases not booked within the journey portal, together with your subsequent Airbnb reserving. It affords extra luxurious perks than its lower-annual-fee counterpart, the Enterprise Rewards card.
Annual price: $395
Welcome provide: Earn 75,000 bonus miles after you spend $4,000 on purchases throughout the first three months of account opening.
Airbnb incomes price: 2 miles per greenback
Why we prefer it: The Enterprise X’s incomes charges are easy, making this a stable choice 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 too can use them to cowl any journey purchases made together with your card within the final 90 days or switch them to a Capital One switch companion.
The Enterprise X’s $395 annual price is offset by its invaluable perks, akin to a $300 annual journey credit score for Capital One Journey bookings, reimbursement on your World Entry or TSA PreCheck utility price, entry to airport lounges (together with Capital One’s rising community) and rental automobile elite standing.
To study extra, learn our full evaluate of the Enterprise X.
Be taught extra: Capital One Enterprise X
Chase Sapphire Most popular Card
The Sapphire Most popular boasts sturdy incomes classes for an inexpensive annual price, making this one in all our favourite journey playing cards in the marketplace.
Annual price: $95
Welcome provide: Earn 60,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
Airbnb incomes price: 2 factors per greenback on all different journey
Why we prefer it: This card earns invaluable Chase Final Rewards factors, which TPG’s Could 2025 valuations place at 2.05 cents apiece while you switch to one in all Chase’s 14 journey companions. Per our valuations, you may obtain a 4.1% return in your spending while you use the Sapphire Most popular on Airbnb bookings.
Plus, you may obtain a $50 annual resort credit score on bookings made by means of Chase Journey. It is necessary to notice Airbnb bookings aren’t out there by means of the portal, so they are not eligible for this credit score.
To study extra, learn our full evaluate of the Sapphire Most popular.
Apply right here: Chase Sapphire Most popular
Chase Sapphire Reserve
The Sapphire Reserve is a stable premium choice for anybody seeking to accumulate Final Rewards factors on their Airbnb stays.
Annual price: $550
Welcome provide: Earn 60,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
Airbnb incomes price: 3 factors per greenback
Why we prefer it: At first, you should utilize the cardboard’s $300 journey credit score towards a big selection 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 Could 2025 valuations.
To study extra, learn our full evaluate of the Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Ink Enterprise Most popular Credit score Card
For small-business house owners in search of a stable return on their Airbnb purchases, the Ink Enterprise Most popular is a good selection.
Annual price: $95
Welcome provide: Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening.
Airbnb incomes price: 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 engines like google
- Web, cable and telephone companies
- Transport purchases
- Journey, together with Airbnb
Why we prefer it: That is one other Chase card that earns a unbelievable 3 factors per greenback on journey, together with Airbnb stays.
Whereas this is not a shopper card, getting accepted for a enterprise card could also be simpler than you assume.
To study extra, learn our full evaluate of the Ink Enterprise Most popular.
Apply right here: Ink Enterprise Most popular
Prime Visa
How does the Amazon card make our listing of the perfect 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 manner.
Annual price: $0; it’s essential to have an Amazon Prime membership
Welcome provide: Earn a $150 Amazon reward card instantly upon approval, solely for Prime members.
Airbnb incomes price: 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 on your upcoming keep.
Notice that Airbnb restricts, in positive print, the usage of reward playing cards for long-term stays (28 days or extra).
To study extra, learn our full evaluate 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 price.
Annual price: $95
Welcome provide: Earn 60,000 bonus factors after spending $4,000 in purchases within the first three months of account opening.
Airbnb incomes price: 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 Could 2025 valuation of Wells Fargo factors at 1.6 cents per level, you may obtain a 4.8% return in your spending.
Wells Fargo factors will be transferred to seven switch companions. Whereas this listing is not so long as a few of its opponents, it does embody invaluable companions akin to British Airways Membership, Membership Iberia Plus and Virgin Atlantic Flying Membership.
To study extra, learn our full evaluate of the Wells Fargo Autograph Journey.
Apply right here: Wells Fargo Autograph Journey Card
Maximizing your subsequent Airbnb keep
Probably the most necessary elements in taking advantage of your on a regular basis spending is selecting the perfect journey rewards bank card for each buy. This is not all the time a straightforward process, as some playing cards earn invaluable transferable factors whereas others give bonus factors for sure classes of purchases. Deciding what’s extra necessary is a private determination.
For any Airbnb keep, although, see in the event 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 means of their Airbnb buying portals, no matter what bank card you employ to guide.
These playing cards are all nice choices for Airbnb, however there are lots of others on the market. As an illustration, in case your native grocery retailer additionally sells Airbnb reward playing cards, you should utilize 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 provide annual journey credit, take into account these as effectively. Utilizing these credit is usually a solution 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 choice for journeys, because the platform represents a pleasant various to conventional motels. I’ve personally stayed in dozens of Airbnbs all through my travels and often favor them over chain motels.
Along with the distinctive properties you possibly can guide, some stable bank card choices can help you earn an honest haul of factors or money again. Simply bear in mind to evaluate every itemizing’s cancellation coverage and critiques rigorously earlier than reserving.
Associated: Our Airbnb host canceled our trip rental on the final minute. Now what?
