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Best credit cards for Airbnb

Earn rewards on your homestays and enjoy other perks while you travel.

The best credit cards for AirBnB will let you earn the most points or cash back on your AirBnB stays, and may let you turn those points into additional AirBnB nights. While there are relatively few credit cards with such perks, some are standouts. You can get 3% back on your Airbnb purchases with some travel credit cards, but you can earn the highest cashback rate of 5% by buying Airbnb gift cards with the Amazon Prime Store Card Credit Builder. 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.

Best Airbnb credit card for international travelers
Chase Sapphire Reserve®

Chase Sapphire Reserve® logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (740-850)
See offer
on Creditcards.com's secure site
Rates & fees

740
Min. credit score
$550
Annual fee
60,000
Points welcome offer
Up to 10x
Points
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, which is worth more than what some premium travel credit cards offer, plus you get a travel credit of $300 annually among the many perks. Note you can also choose to use your Chase points on AirBnB gift cards if you’re looking for a way to turn your AirBnB purchases into additional nights.
  • 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 60,000 bonus points - worth $900 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. This is higher than some similar credit cards that offer a bonus worth around $500.
  • 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.
  • Annual fee. To use this card, you'll need to pay a $550 annual fee.
Annual fee $550
Purchase APR 16.99% to 23.99% variable
Foreign transaction fee None
Welcome offer 60,000 points after spending $4,000 in the first 3 months, a value of up to $900 through Chase Ultimate Rewards.
Estimated welcome offer value $900 based on Finder's valuation
Rewards 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 max rewards
Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card logo
Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$0
Annual fee
$100
Welcome offer
Up to 5%
Cash back
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, though there's a trick to earning the most points: Amazon.com purchases earn 5% cash back, so you need to buy Airbnb gift cards on Amazon.com to earn the 5% back.
  • 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 $100 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.
  • Prime membership required. To get the 5% cashback rate, you need an Amazon Prime membership. Otherwise, you would earn 3% back on Amazon.com purchases.
Annual fee $0
Purchase APR 14.24% to 22.24% variable
Foreign transaction fee None
Welcome offer $100 Amazon Gift Card instantly upon approval
Estimated welcome offer value
Rewards 5% back at Amazon.com, Whole Foods Market and Zappos, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases
The information about Amazon Prime Rewards Visa Signature Card has been collected independently by Finder and has not been reviewed or provided by the issuer.

Best Airbnb credit card for travel within the US
Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
20,000
Points welcome offer
Up to 3x
Points
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.
  • Limited acceptance abroad. This is an American Express card and may not have the same acceptance abroad as Visa or Mastercard.
Annual fee $0
Purchase APR 0% intro for the first 12 months (then 14.49% to 24.99% variable)
Foreign transaction fee None
Welcome offer 20,000 points after spending $1,000 in the first 3 months
Estimated welcome offer value $200 based on Finder's valuation
Rewards 3x points on dining, gas, transit, travel and streaming and 1x points on all other purchases

Best Airbnb credit card for Amex travelers
American Express® Green Card

American Express® Green Card logo
Finder Rating: 3.9 / 5

★★★★★

Credit recommended (680-850)
Read review
Rates & fees

680
Min. credit score
$150
Annual fee
30,000
Points welcome offer
Up to 3x
Points
Like the Propel, the American Express® Green Card earns 3x points on various travel options, including Airbnb stays. The biggest difference is you'll be earning Membership Rewards points, which can be worth twice as much as Propel's equivalent points depending on how you redeem them.
  • Earn rewards. Earn 3x points on all eligible travel, 3x points at restaurants and 1x points on all other purchases.
  • Signup bonus. Earn 30,000 bonus points after you spend $2,000 in your first 3 months of account opening.
  • Statement credits. After enrollment, enjoy up to $100 in statement credits on Clear membership, which is an expedited security program at select airports and stadiums, and up to $100 in statement credits on LoungeBuddy membership each year.
  • Annual fee. To use this card, you'll need to pay a $150 annual fee.
Annual fee $150
Purchase APR See Pay Over Time APR
Foreign transaction fee None
Welcome offer 30,000 points after spending $2,000 in the first 3 months
Estimated welcome offer value
Rewards 3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases
Please note: All information about American Express® Green Card has been collected independently by Finder and this card is not available through this site.

Best Airbnb credit card for flat rewards
Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
670
Min. credit score
$95
Annual fee
60,000
Miles welcome offer
5x
Miles
The Capital One® Venture® Rewards Credit Card earns 2x miles in every category. This means you don’t have to track which categories earn 3x or 5x points, as you might with other credit cards. If you spend more money on other categories than travel, this card could be incredibly valuable.
  • Annual fee.The card costs $95 each year.
Annual fee $95
Purchase APR 17.24%, 21.99% or 24.49% variable
Foreign transaction fee None
Welcome offer Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening
Estimated welcome offer value $900 based on Finder's valuation
Rewards 5x miles on Uber Eats and 2x miles on all purchases

What’s changed in 2021?

This year, we added the Capital One® Venture® Rewards Credit Card as the best credit card with unlimited flat 2x miles on all purchases. This makes the card a great alternative to anyone who spends heavily on other categories of purchases but wants to redeem miles for travel.

How do I choose the best credit card for Airbnb?

When you compare Airbnb credit cards, consider the following:

  • Airbnb-inclusive rewards. Make sure the card you’re considering offers rewards for hotels and homestays and includes Airbnb in this classification.
  • Cancellation insurance. For added peace of mind in extenuating circumstances, opt for a card that offers trip cancellation and interruption insurance, like the Chase Sapphire Reserve.
  • International travel. If you frequently travel abroad for business, scout for a card with no foreign transaction fees, like all the cards on our best list.
  • Signup bonuses. Plenty of travel cards have welcome offers that award you with extra travel rewards — but you often need to meet a specific spending threshold to unlock the bonus.

Will my credit card protect me if my Airbnb host cancels?

Even if your credit card doesn’t offer trip cancellation protection, you may still be eligible for a refund if your Airbnb host cancels. Airbnb’s host cancellation policy states that if your host cancels your reservation, Airbnb will fully refund the cost of the reservation. Refunds can take up to 15 business days to appear in your account.

If you need to cancel a booking made through Airbnb, your refund will depend on your host’s cancellation policy. If you’re unable to receive a refund through your host’s cancellation policy, it’s possible that your trip may be covered under Airbnb’s extenuating circumstances policy — in which case, you’ll need to contact Airbnb to file an extenuating circumstances claim.

What are some 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:

Bottom line

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.

But if you think other options would suit you better, compare travel credit cards until you find the right card for your needs.

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