If you often stay at Airbnb locations, using the right credit card can save you a decent amount of money in the long run. You can get 3% back on your Airbnb purchases with some travel credit cards, but you can get up to 5% back with Airbnb gift cards.
Keep in mind, there are some restrictions when using Airbnb gift cards.
We compared all credit cards that offer rewards for Airbnb purchases, then we narrowed down our selection based on additional perks such as annual fee, signup bonus and other travel perks, and we selected the cards with the best combination of Airbnb rewards and travel perks.
This year, Chase revamped the Chase Sapphire Reserve® card. Now you pay a higher annual fee of $550, but you also get additional perks such as:
10x points on Lyft rides until March 2022
One year complimentary Lyft Pink membership worth $199
One year complimentary DashPass membership
DoorDash statement credits up to $120 until December 21, 2021
International travelers get to enjoy worldwide Visa acceptance, plus 3x points on dining and travel purchases worldwide, including Airbnb purchases. You also get to earn a massive signup bonus and a travel credit of $300 annually among the many perks.
Reward points. Earn 3x points on travel and dining purchases, and 10x points on Lyft car rides. All other purchases earn 1x points.
Signup bonus. Earn 50,000 bonus points - worth $750 when you redeem for travel purchases through the Chase Ultimate Rewards portal - after you spend $4,000 within your first 3 months of account opening.
Statement credits. Get $300 statement credits each anniversary year to use on travel purchases. Also, you get up to $100 statement credit for the application fee for TSA PreCheck or Global Entry.
16.99% to 23.99% variable
Foreign transaction fee
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
Best Airbnb credit card for highest rewards rate Amazon Prime Rewards Visa Signature Card
If you're looking to get the highest rewards rate on Airbnb purchases, the Amazon Prime Rewards Visa Signature Card or the Amazon Prime Store Card version should definitely be on your list. To get the highest rewards, you would need to buy Airbnb gift cards on Amazon.com.
Cash back. Earn 5% cash back on all Amazon.com and Whole Foods Market purchases, 2% back at restaurants, gas stations and drug stores, and 1% back on all other purchases.
Gift card. Get a $70 Amazon gift card upon credit card approval.
No annual fee. You won't pay an annual fee, but you need an active Amazon Prime membership to apply for the card and use it.
14.24% to 22.24% variable
Foreign transaction fee
$70 Amazon.com gift card upon approval
5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases
Frequent travelers get to enjoy one of the most versatile rewards programs offered by a credit card without paying an annual fee. This includes accelerated rewards points on Airbnb purchases, but also on flights, hotels, car rentals, gas, transit and more.
Reward points. Earn 3x points on a variety of categories, including: eating out or ordering in, fuel, rideshares and transit, flights, hotels, homestays and car rentals, and popular streaming services.
Welcome offer. Earn 20,000 bonus points, worth $200 in redemption value, once you spend $1,000 in your first 3 months of account opening. This is one of the highest offers you can get with a no-annual-fee card.
Intro APR period. Get 12 months of an intro APR period when you open your account for purchases and balance transfers. Once the intro period passes, your APR reverts to 14.49% to 24.99% variable.
0% intro for the first 12 months (then 14.49% to 24.99% variable)
Foreign transaction fee
20,000 points after spending $1,000 in the first 3 months
3x points on dining, gas, transit, travel and streaming and 1x points on all other purchases
Best Airbnb credit card for Uber regulars Uber Visa Card
With its solid rewards rate on dining and refreshed rewards rate on Uber services, the Uber Visa Card should be on the top of your list if you like to dine on the move. You also get a solid rewards rate on hotels and airfare, and on Airbnb purchases without paying an annual fee. But you can only redeem your rewards as Uber cash to use for Uber, Uber Eats and JUMP.
Uber Cash. Earn 5% back on all Uber purchases, including UberEATS and JUMP bikes and scooter rides. Earn 3% back on dining at restaurants, take out, bars, airfare, hotels and home rentals and 1% back on all other purchases.
Signup bonus. Earn $100 bonus after you spend $500 in your first 90 days of account opening.
Mobile phone protection plan. Get covered for up to $600 in loss for damage or theft of your cell phone.
15.74%, 21.74% or 26.49% variable
Foreign transaction fee
$100 Uber Cash after spending $500 in the first 90 days
5% back in Uber Cash on Uber, Uber Eats and JUMP
3% back on dining, hotels and airfare
1% back on all other purchases
How to choose the best credit cards for Airbnb
When you compare Airbnb credit cards, here’s what to consider:
Do you want to earn accelerated rewards on Airbnb purchases? Purchasing gift cards on Amazon.com is often the most rewarding option, so you may want to consider getting the Amazon card. For direct Airbnb purchases, compare cards with accelerated rewards on homestays.
Do you often travel internationally? Look for cards with no foreign transaction fees, and preferably — Visa or Mastercard cards. American Express may not have as much acceptance abroad as it has in the US.
Do you want additional travel perks? In this case, travel cards are often the best option. But expect to pay an annual fee if you want premium perks.
Alternatives to Airbnb credit cards
You don’t have to limit yourself to Airbnb to earn rewards on your stays. There are other options you could consider, such as:
Expedia. You can book your stay via the Expedia website for hotels and homestays and earn rewards with one of the two Expedia credit cards.
With the right credit card, you can earn rewards on your Airbnb purchases. Often, redeeming for Airbnb stays comes with lower value, so consider redeeming rewards on flights instead to get the most of your Airbnb credit card.
You can purchase bulk orders with a $1,000 minimum from the Airbnb corporate website.
Gift cards expire if unused for 90 days and the card used for purchasing will get a refund.
You can’t use gift cards for stays longer than 28 nights.
You can’t use gift cards to make changes to existing reservations.
If you use the pay less upfront feature, you can’t use a gift card for the second payment.
Yes, Delta and Airbnb have a partnership where you earn one mile for every dollar spent on qualifying Airbnb reservations.
Yes. Redemption value stands at 1 cent per 1 Chase point. If you’re using a Sapphire Preferred or a Sapphire Reserve card, it may be best to make the direct purchase with Airbnb to earn points and redeem your points for flights or whichever other option gives you the higher redemption value.
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
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