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Top Airbnb credit cards of 2022
Despite having just launched in 2008, it feels like Airbnb has been a household name for years. In just over a decade in business, this vacation rental platform recorded more than 500 million check-ins. In March 2019, the site had more than 6 million listings. That's more than the number of rooms at the six largest hotel groups combined.
Compare the best Airbnb credit cards of 2022
Chase Sapphire Preferred® Card
|Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.||720 - 850||$95|
Chase Sapphire Reserve®
|Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.||720 - 850||$550|
American Express® Green Card
|40,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 6 months.||660 - 850||$150|
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Best Airbnb credit card overall: Chase Sapphire Preferred® Card
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
- Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
If you're looking for a solid general travel card with a modest annual fee, it's hard to beat the Chase Sapphire Preferred® Card. The $95 annual fee card earns 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases. The 2X earning rate does include Airbnb purchases.
While 2X points per dollar spent may not sound impressive, it's hard to beat the value of Chase Ultimate Rewards points. These points can be transferred to 10+ different airline and hotel partners at a ratio of 1:1. Partners include favorites such as Southwest Rapid Rewards, United MileagePlus and World of Hyatt. That means you can effectively earn 2X Southwest or Hyatt points for every dollar spent on travel and dining.
Alternatively, you can book flights, hotels, cars and more through the Chase Travel Portal at a value of 1.25 cents per point. Unless a flight is especially cheap, you're usually going to get more value from Chase's Ultimate Rewards transfer partners.
In addition to earning valuable points on travel and dining, the Chase Sapphire Preferred® Card offers excellent travel and shopping protection. From trip delay and baggage delay reimbursement to auto rental collision protection, the Chase Sapphire Preferred® Card has you covered when you travel.
While earning 2 Ultimate Rewards points per dollar spent is solid, other cards offer higher earning rates — as you'll see below.
#2: Chase Sapphire Reserve®
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 50,000 points are worth $750 toward travel
- With Pay Yourself BackSM, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
If you can get over the card's hefty $550 annual fee, the Chase Sapphire Reserve® earns its place high on the list of travel cards. You'll earn 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards® That 3X earning rate does apply to Airbnb purchases. Plus, cardholders get a $300 annual travel credit that covers a wide variety of travel purchases, including Airbnb, and offsets more than half the annual fee.
The broadly-defined travel credit is easy to use in a typical year, but this certainly isn't a normal year. An Airbnb stay may be the best way for grounded travelers to utilize this credit.
While the earning rate and travel credit are the card headlines, there's a lot to love about the Chase Sapphire Reserve®. Cardholders get a Priority Pass Select membership as well as Global Entry, NEXUS, or TSA PreCheck credit and excellent shopping and travel protections.
As you can see, the Chase Sapphire Reserve® is an excellent card. However, the only downside is a big one: a $550 annual fee. Even if you're able to utilize the $300 travel credit and the other valuable benefits of this card, the annual fee may be too large for some to stomach.
#3: American Express® Green Card
40,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 6 months.
- Earn 30,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months.
- Earn 3X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
- Earn 3X Membership Rewards® points on all eligible travel, from subway swipes and window seats to hotel stays and city tours.
- Earn up to $100 in annual statement credits to help you get through security faster with CLEAR®.
- Earn up to $100 in annual statement credits to access 750+ airport lounges globally through LoungeBuddy.
- No Foreign Transaction Fees.
- $150 Annual Fee.
- Terms Apply.
Another excellent general travel card is the American Express® Green Card. Cardholders Earn 3X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery. Additionally, earn 3X Membership Rewards® points on all eligible travel, from subway swipes and window seats to hotel stays and city tours. Even better, the card charges a reasonable $150 annual fee.
Being able to earn 3X points on Airbnb purchases is excellent for a card with an affordable annual fee. But, to get the most out of your American Express® Green Card earnings, you're going to need to get to know American Express Membership Rewards.
Like Ultimate Rewards points, Membership Rewards are a very valuable currency. You can transfer Membership Rewards points to 20 airlines and hotels — including familiar names like Delta SkyMiles, JetBlue TrueBlue and Marriott Bonvoy. That means you can effectively earn 3X Delta miles per dollar spent at Airbnb. Plus, you can link your Delta and Airbnb accounts to earn another 1X mile per dollar spent.
In addition to a solid earning rate on travel and restaurants, the American Express® Green Card enhances your travel with $100 per year in LoungeBuddy credits and $100 per year in CLEAR credits. Plus, you'll get travel protection, such as trip delay insurance and car rental loss and damage insurance.
Although transferring points to partners can provide a lot of value, there aren't many other valuable ways to use your Membership Rewards points. So, you'll want to know how to maximize your points through transfer partners.
#4: Bank of America® Premium Rewards® credit card
50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening.
- Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 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.
- 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 up to 3.5 points for every $1 spent on travel and dining purchases.
- No limit to the points you can earn and your points don't expire.
- 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.
- 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.
The Bank of America® Premium Rewards® credit card earns 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases.
Points can be redeemed for a statement credit at a base rate of 1 cent per point. That means you'll generally earn a 2% return on travel and dining purchases and a 1.5% return on all other purchases. That's not bad, but there are other cards — like the Citi® Double Cash Card – 18 month BT offer — that offer a higher return on all purchases.
The real power of the card comes in the Bank of America Preferred Rewards program. Cardholders who have between $20,000 and $50,000 in assets in linked Bank of America or Merrill Lynch accounts earn a 25% bonus. That bonus increases to 50% for cardholders with assets between $50,000 and $100,000 and to 75% for cardholders with over $100,000 in assets.
After combining the 2X earning with the 75% bonus, "Platinum Honors" members earn 3.5X points on travel and dining purchases. That's an unbeatable return on these purchases.
For an already generous travel card with just a $95 annual fee, the Bank of America® Premium Rewards® credit card has an incredible benefit: an annual $100 Airline Incidental Statement Credit. You'll automatically be reimbursed up to $100 for bag fees, upgrades, lounge fees and more. By utilizing this credit, you'll get more than the cost of the annual fee back each year.
The card easily justifies its annual fee through the ancillary benefits. However, unless you have a significant amount in linked accounts, other cards beat the 2% return on travel and dining purchases.
#5: Ink Business Preferred℠ Credit Card
Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.
- Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
If you own a small business, the Ink Business Preferred℠ Credit Card is an excellent way to rack up points. Despite a modest $95 annual fee, cardholders Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. That 3X rate on travel purchases applies to Airbnb.
The ability to transfer points to 10+ different airline and hotel partners at a 1:1 ratio makes Chase Ultimate Rewards points valuable. The ability to earn 3X points on travel purchases makes the Ink Business Preferred℠ Credit Card the top small business option — and one of the top overall options — for Airbnb purchases.
As an alternative to transferring points, cardholders can redeem Ultimate Rewards points for travel through Chase Travel at a rate of 1.25 cents per point. If you set this as the base valuation of Ultimate Rewards points, you're earning a 3.75% return on the card's broad bonus categories: travel, shipping purchases, internet, cable and phone services and on advertising purchases made with social media sites and search engines.
The only real downside to the Ink Business Preferred℠ Credit Card is the requirement to have a small business to get the card.
#6: Capital One Venture Rewards Credit Card
Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
- Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
- Earn unlimited 2X miles on every purchase, every day
- 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®
- 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
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- No foreign transaction fees
The Capital One Venture Rewards Credit Card is great for those looking to save on travel who don't already have a stash of points and miles to utilize. You earn the same rate on every purchase: 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel. You can use the Purchase Eraser tool to redeem Capital One miles to "erase" travel purchases anytime within 90 days of the purchase. That means travelers can use the card on a trip and then use the points earned from that trip to retroactively wipe out some of those travel expenses.
This offer is no longer available.
The beauty of the Capital One Venture Rewards Credit Card is its simplicity. You earn the same miles on all purchases. That means you don't have to worry about a particular purchase being in the right category.
Capital One miles can transfer to more than a dozen airline and hotel partners. The rate varies: most partners have a 1:1 transfer ratio while a couple have a lower transfer ratio. Also, unlike Amex and Chase, Capital One doesn't have a major U.S. airline among its transfer partners. That makes Capital One miles a little less valuable than other transferable bank points, which include more major airline partners.
How to choose the best Airbnb credit card
As you saw in the card highlights above, the earning rate can vary widely from card to card. And the cost of some home rentals can add up. That means the earning rate is going to be a major factor in determining which card to use.
We are unaware of any cards that offer a category bonus specifically for Airbnb. So, you’ll want to look for a credit card that earns a solid return on travel expenses.
Home rentals aren't cheap. If you're looking to maximize your return on an expensive Airbnb purchase, you may want to sign up for a new credit card offering a lucrative sign-up bonus. You can use the reservation — and other trip-related expenses — to earn the sign-up bonus. By doing so, you can bank points, miles or cash back to help you toward your next getaway.
Generally, the highest earning rates are on cards with the highest annual fees. However, it's not always going to make the most sense for travelers to get a high annual fee card to maximize your earnings.
For example, if you don't spend much on travel and dining, it's not worth paying $550 each year for the Chase Sapphire Reserve's 3X earning rate. Instead, you may want to stick with the lower-fee Chase Sapphire Preferred.
Most credit card travel credits are limited to airline fees and other airline-related costs. However, some cards — like the Chase Sapphire Reserve's $300 travel credit — can be used to offset any travel purchase.
You’ll also want to look for redemption options that can help reduce your out-of-pocket costs for a home rental. For example, with the Capital One Venture Card's Purchase Eraser, you can use Capital One miles to wipe out Airbnb purchases.
Foreign transaction fees
Airbnb gives you the option to pay using any currency you wish. And sometimes paying in the host's local currency is the cheapest option. If you want to take advantage of this arbitrage, make sure to use a credit card with no foreign transaction fees.
Tips for using a credit card on Airbnb
When you're ready to make a reservation, Airbnb will prompt you to enter a credit card or pay through a digital wallet such as Apple Pay, Google Pay or PayPal.
If you want to keep from having to enter your credit card information each time you book, Airbnb users have the option to store credit cards in their user profile. To get started, log in to your Airbnb account and browse to your Payments & Payouts page. Click "Add a Payment," enter your credit card details and click "Done" to save the card to your profile.
By saving one of the credit cards we recommend above, you can be sure to use the best credit card when booking an Airbnb stay. If you have multiple saved cards, you can select one option as your default payment method. To do so, click "…" (triple dots) next to the payment method and select "Set Default."
Airbnb credit card FAQs
How do you change your credit card on Airbnb?
You can add or remove saved credit cards from your Airbnb profile on the Payments and Payouts page. To change the credit card for a particular reservation, go to your Trips page, select the reservation and select "Get receipts and manage payments" under Payment Details.
How do you remove your credit card from Airbnb?
To remove a credit card from Airbnb, browse to the Payments and Payouts page. Click the … (triple dots) next to the payment method and click "Remove."
When does Airbnb charge your credit card?
Airbnb charges your credit card as soon as the host accepts your request — or upon booking for Instant Book reservations. Alternatively, guests have the option of choosing a payment plan to avoid having to pay the entire balance at booking.
Do you need a credit card for Airbnb?
For most reservations, you'll need to pay using a credit card tied to a major payment processor (e.g. Visa, MasterCard, Discover). However, guests from certain countries have additional payment options — such as Alipay or WeChat in China, PayU in India and Postepay in Italy.
Is Airbnb considered a travel purchase?
Yes, Airbnb purchases generally count as travel purchases. However, to be sure, you'll want to check the Merchant Category Code (MCC) for Airbnb if this is critical for your situation.
What credit cards does Airbnb accept?
Airbnb accepts most major credit cards — including Visa, MasterCard, American Express and Discover. Additionally, Airbnb accepts certain digital wallets such as Apple Pay through the iOS app, Google Pay through the Android app while in the U.S. and PayPal in certain countries.
Can you book Airbnb with someone else's credit card?
Airbnb payment terms and conditions don't require the guest to use their own credit card to reserve a booking.
Can you pay for Airbnb with two credit cards?
No, you can't split the cost of a reservation across two credit cards. Generally, Airbnb guests must pay for a reservation using one payment type, unless you have Airbnb credits or a coupon. Note that Airbnb used to allow guests to split payments with other guests. However, Airbnb removed the Group Payment option in September 2018.
Does Airbnb charge a fee for using a credit card?
Airbnb doesn't charge a fee for paying by credit card. However, Airbnb charges guests a Guest Service Fee of up to 14.2%, which helps the platform cover credit card transaction costs.
Can you pay for Airbnb with cash?
Airbnb considers cash payments — or other offline payments — a violation of its Terms of Service. A host or guest may be removed from Airbnb for trying to make such a payment. Airbnb points to security and fraud concerns for forbidding offsite payments.
Recap of the best Airbnb credit cards for 2022
- Best Airbnb credit card overall: Chase Sapphire Preferred® Card
- #2 Airbnb credit card: Chase Sapphire Reserve®
- #3 Airbnb credit card: American Express® Green Card
- #4 Airbnb credit card: Bank of America® Premium Rewards® credit card
- #5 Airbnb credit card: Ink Business Preferred℠ Credit Card
- #6 Airbnb credit card: Capital One Venture Rewards Credit Card
To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.
The information related to Bank of America® Premium Rewards® credit card and American Express® Green Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.