5 best Airbnb credit cards of 2023

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This offer is no longer available on our site: American Express® Green Card

Staying at an Airbnb is a popular lodging alternative to hotels for some travelers.

Whether you’re looking to rent an entire house, apartment or even a treehouse, Airbnb has many different options to choose from. But unlike some hotel chains, Airbnb doesn’t offer its own branded credit card. However, there are still some credit cards that can help you maximize your next Airbnb stay.

Let’s take a closer look at our top Airbnb credit card picks.

Best for premium travel benefits: Chase Sapphire Reserve®
Best for earning points on travel purchases: American Express® Green Card
Best for simple redemptions: Capital One Venture Rewards Credit Card
Best for entry-level travel: Bank of America® Premium Rewards® credit card
Best for no annual fee: Citi Double Cash® Card
How we picked these cards
How to make the most of credit cards for Airbnb

Best for premium travel benefits: Chase Sapphire Reserve®

Here’s why: The Chase Sapphire Reserve® has a $300 annual travel credit, which you can put toward an Airbnb stay. This Chase credit card offers several premium travel benefits that Airbnb customers may enjoy.

Global Entry, TSA PreCheck® or Nexus fee credit once every four years
Access to airport lounges in the Priority Pass Select network
Trip cancelation/interruption insurance
Lost luggage reimbursement
Trip delay reimbursement
Emergency evacuation and transportation coverage

Additionally, the card offers an 80,000-point sign-up bonus after you spend $4,000 on purchases within the first three months from account opening. These perks, along with other benefits this premium card offers, can quickly add up to offset part or all of the card’s hefty $550 annual fee.

Read reviews of Chase Sapphire Reserve® to learn more about this card.

Best for earning points on travel purchases: American Express® Green Card

Here’s why: With the American Express® Green Card, earning points on Airbnb purchases can be rewarding, especially if you stay at Airbnb locations several times throughout the year. Some Airbnb locations charge hundreds or thousands of dollars per night. This American Express credit card earns three points per $1 spent on travel, including Airbnb purchases.

You’ll also earn three points per $1 spent at restaurants, on transit, and other travel categories, such as airfare, cruises, car rentals and more. You earn one point per $1 spent on all other purchases.

Read reviews of the American Express® Green Card to learn more about the features and benefits this card offers.

Best for simple redemptions: Capital One Venture Rewards Credit Card

From our partner

Annual Fee

$95
Intro Purchase APR

N/A
Intro Balance Transfer APR

N/A
Regular Purchase APR

19.99% – 29.99% (Variable)
Regular Balance Transfer APR

19.99% – 29.99% (Variable)

Additional Rates and Fees

Cash Advance Rate	29.99% (Variable)
Cash Advance Fee	3%, Min: $3
Late Fee	Up to $40
Penalty APR	None
Balance Transfer Fee	$0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
Foreign Transaction Fee	None
Return Payment Fee	See Terms*

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
Miles won’t expire for the life of the account and there’s no limit to how many you can earn
Receive up to a $100 credit for Global Entry or TSA PreCheck®
Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
Transfer your miles to your choice of 15+ travel loyalty programs

^*See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

See details, rates & fees

Here’s why: With the Capital One Venture Rewards Credit Card, you’ll earn five miles per $1 spent on hotels and car rentals booked through Capital One Travel, plus two miles per $1 spent on all other purchases — making it easy to earn points.

This Capital One credit card lets you use those miles to get reimbursed for past travel purchases, like Airbnb stays. And you can transfer miles to one of the travel loyalty programs that partners with Capital One. This can give you flexibility when using your rewards and provide an opportunity to maximize the value of your miles.

Plus, new cardholders can get a sign-up bonus of 75,000 miles after spending $4,000 on purchases within the first 3 months of account opening.

Read reviews of the Capital One Venture Rewards Credit Card to help you decide if this card’s other features make it a good fit for your wallet.

Best entry-level travel: Bank of America® Premium Rewards® credit card

From our partner

Annual Fee

$95
Intro Purchase APR

N/A
Intro Balance Transfer APR

N/A
Regular Purchase APR

20.24% – 27.24%* Variable
Regular Balance Transfer APR

20.24% – 27.24%* Variable

Additional Rates and Fees

Cash Advance Rate	See Terms*
Cash Advance Fee	See Terms*
Late Fee	See Terms*
Penalty APR	Up to 29.99% APR
Balance Transfer Fee	3% of the amount of each transaction
Foreign Transaction Fee	None
Return Payment Fee	See Terms*

NEW OFFER! Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.
Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire.
If you’re a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.
Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
No foreign transaction fees.
Low $95 annual fee.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

See details, rates & fees

Here’s why: The Bank of America® Premium Rewards® credit card offers two points per $1 spent on travel and dining purchases and 1.5 points per $1 spent on all other purchases.

This Bank of America credit card charges a $95 annual fee. But you can offset the fee with its $100 in travel statement credits for airline incidental charges like seat upgrades or baggage fees. And if you plan use the card overseas, there are no foreign transaction fees.

New cardholders can earn 60,000 bonus points after spending $4,000 in purchases in the first 90 days of account opening.

Find out more by reading reviews of the Bank of America® Premium Rewards® credit card.

Best for no annual fee: Citi Double Cash® Card

From our partner

Annual Fee

$0
Intro Purchase APR

N/A
Intro Balance Transfer APR

0% for 18 Months
Regular Purchase APR

19.24% – 29.24%* Variable
Regular Balance Transfer APR

19.24% – 29.24%* Variable

Additional Rates and Fees

Cash Advance Rate	29.99%* Variable
Cash Advance Fee	5%, Min: $10
Late Fee	Up to $41
Penalty APR	Up to 29.99% Variable
Balance Transfer Fee	Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Foreign Transaction Fee	3%
Return Payment Fee	Up to $41

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Rates and fees

See details, rates & fees

Here’s why: The Citi Double Cash® Card is a straightforward card that offers 2% cash back on every purchase: You’ll get 1% cash back when you make purchases, and 1% cash back when you pay them off.

It’s easy to get caught up in the benefits and higher earning rates premium credit cards offer without realizing how much the annual fee cost can add up to each year. This Citi credit card is a no-annual-fee card with a straightforward cash back solution.

You don’t have any complex category structures to remember and the best part is that you can redeem your rewards for cash back, which you can use anywhere, including Airbnbs.

Read reviews of the Citi Double Cash® Card to learn more.

How we picked these cards

We looked at a wide range of credit cards — including several rewards, cash back and travel credit cards — to find the best credit cards that can help you earn or redeem points for Airbnb stays. We then identified several categories of perks many types of Airbnb users may be interested in when choosing a credit card.

How to make the most of credit cards for Airbnb

It’s a good idea to make sure you understand exactly how your card rewards and benefits work before trying to use them to earn or redeem points for Airbnb stays. Some rewards programs may exclude Airbnb from your benefits or rewards, so it’s best to call your credit card company to double check if you’re unsure.

Remember, the best Airbnb credit card may not be the most obvious choice. A frequent traveler may find that high-annual-fee travel credit cards provide more ongoing value. Or you might prefer a straightforward cash back credit card for long-term value — especially if you don’t have a use for the travel perks and benefits a premium rewards card may offer.

Before adding one of these cards or any other card to your wallet, it’s important to consider your spending habits and lifestyle.

About the author: Lance Cothern is a freelance writer specializing in personal finance. His work has appeared on Business Insider, USA Today.com and his website, MoneyManifesto.com. Lance holds a Bachelor of Business Administration in … Read more.