Best Cards for Airbnb Stays

With the rise of Airbnb and countless other home rental sites, your vacations are less about how you travel and more about how you live. Of course, part of how you live means having a credit card (or two) that rewards your day-to-day purchases when you travel. A number of credit card providers have clued into the increased popularity of Airbnb and tailored their rewards and benefit programs to meet this growing segment of travelers. If you’re someone who loves having an Airbnb home away from home when traveling, then you should consider one of these credit cards.

Capital One Venture Rewards Credit Card

Why it’s best for an Airbnb:

The Capital One Venture Rewards Credit Card scores high for Airbnb aficionados thanks to a couple of very generous benefits. The main draw is the unlimited 2x miles you earn for every purchase. That translates into some hefty earning power when you use this card to book your travel, including your Airbnb. The other side of that coin is that your points are worth one cent per mile, which proves a nice little reward. That means that if you achieve the bonus offer of 50,000 miles (which requires you to spend $3,000 in the first three months), it will be worth $500, which you can put towards your Airbnb.

Bonus points:

  • You receive up to a $100 credit towards the application fee for Global Entry or TSA Precheck.
  • There’s no annual fee for your first year ($95 after that) and no foreign transaction fee ever.
  • Use your Venture miles to book hotels or flights, or transfer them to over 15 travel loyalty programs.

Chase Sapphire Preferred

Why it’s best for an Airbnb:

A lot of travel reward cards geared toward frequent travelers also tend to come with hefty annual fees. The Chase Sapphire Preferred card dials that fee back while still providing travelers worthwhile points and rewards. The $95 fee, which may still be a bit steep for some, does provide 2X points on all travel and dining purchases and a redemption value of one and quarter cents per point. You can earn and redeem on your favorite Airbnb and do so without restrictions. The introductory offer of 60,000 bonus points is a nice additional carrot, which equals $750 to use towards your travels.

Bonus points:

  • Earn 60,000 bonus points after spending $4,000 on purchases within the first three months.
  • You receive a complimentary DoorDash subscription for one year including a $0 delivery fee and reduced service fees.
  • Travel redemption points carry 25% more value versus non-travel redemption points.

Chase Sapphire Reserve

Why it’s best for an Airbnb:

Not all Airbnbs are created equal. Some are small beach bungalows, while others are grand seaside estates. As far as travel reward credit cards go, the Chase Sapphire Reserve would be the grand seaside estate. A very generous 3x points from all of your travel purchases, including Airbnb rentals, is the card’s main draw.

And that’s before even mentioning the one-a-and-half-cent travel redemption value through Chase’s Online Travel Portal, complimentary airport lounge access, Global Entry or TSA Precheck fee credit and free DoorDash subscription. Of course, all of this generosity comes at a price, as the Sapphire Reserve includes a steep $550 annual fee (but no foreign transaction fees). But if you travel, travel a lot, and use high-end Airbnbs when traveling, the Sapphire Reserve is a worthy travel companion.

Bonus points:

  • Earn 50,000 bonus points after you spend $4,000 on purchases within the first three months.
  • In addition to the 3X points on all travel and dining purchases, you’ll get 10X points on all Lyft purchases and 1x point per dollar for all other purchases.
  • You automatically receive an annual $300 in statement credits towards travel purchases charged to your card.

Discover it® Miles

Why it’s best for an Airbnb:

The Discover it® Miles may not be as flashy or reward heavy as some other cards on our Airbnb list, but it offers the most impressive sign-up bonus of any travel card. Discover matches the miles you earn at the end of your first full year. You read that right: earn 5,000 miles and get 10,000. Earn 25,000, get 50,000. Beyond that initial offer, the earning potential of unlimited 1.5X miles (including Airbnbs) isn’t too bad, either. This card also provides a decent redemption value of one cent per mile (including Airbnbs).

Bonus points:

  • There are no blackout dates for redeeming rewards, and you can choose from statement credit on travel purchases or cash.
  • No annual or foreign transaction fees.
  • 0% intro purchase APR for 14 months, then a standard variable APR of 13.49% to 24.49%.

Wells Fargo Propel American Express®

Why it’s best for an Airbnb:

If you travel a lot, for both business and pleasure, you want a card that fits your travel and spending habits. The Wells Fargo Propel American Express® is a card made for just that purpose everyday people and everyday travel. Its earning potential of 3X points specifically targets genuine road warriors who are dining out and ordering in; gas stations; taking rideshares and transit; booking flights, hotels, Airbnbs (and other homestays) and car rentals; and watching popular streaming services. You earn 1x point per dollar for all other purchases.

Bonus points:

  • Earn 20,000 bonus points after you spend $1,000 on purchases within the first three months.
  • 0% APR on purchases and balance transfers for the first 12 months (variable APR of 14.99% to 26.99% after that).
  • No annual or foreign transaction fee.

Stephen Altrogge

Stephen Altrogge is a business and marketing writer from Ashland, Ohio. His writing has been published in Fast Company, Zapier, Entrepreneur, Forbes, and a host of other publications. He has a degree in Management Information Systems from Indiana University of Pennsylvania. Before launching his own business, he worked as an auditor at a bank.