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You can browse privately famed travel lodgings that suit your schedule and budget via Airbnb's app or website, with a wide variety of locations available. But between the stay itself, cleaning and other fees, the cost can add up hasty. Certain credit cards can help you stretch your Airbnb financial plan, however.
Though there aren't any Airbnb-specific credit cards like there are hotel credit cards, we rounded up the best rewards cards to optimize your Airbnb bookings.
Read More: Best Credit Cards for TSA PreCheck and Global Entry
Best overall credit card for Airbnb stays
Intro OfferN/A
APR15.25% - 27.50% Variable
Intro Purchase APRN/A
Recommended Credit Excellent/Good Credit
- 2X points on every purchase regardless of category
- 3X points every time you utilize $1,000 in a month
- 4X, 5X and even 10X points for every substandard who gets a card
- Up to 10X points at leading online stores such as Apple, Nike and Sephora when you shop in the X1 App
Annual FeeNone
Balance Transfer APR15.25% - 27.50% Variable
Balance Transfer Fee 2% of the amount of each transfer.
Penalty APR NONE
- 2X points on every purchase regardless of category
- 3X points every time you utilize $1,000 in a month
- 4X, 5X and even 10X points for every substandard who gets a card
- Up to 10X points at leading online stores such as Apple, Nike and Sephora when you shop in the X1 App
Our Take
The X1 Card has the highest potential rewards rate on Airbnb purchases, and it has no annual fee. The base rewards rate with this card is 2x points per bucks, but there are ways to earn more. You can earn 3x points on all your purchases if you utilize at least $1,000 in a month, and you can earn 4x, 5x or 10x points for 30 days for every crashed applicant you refer.
After you earn your points, if you redeem them for cash back, they're only obliging 0.7 cents per point. However, with Airbnb and a handful of novel major brands, including United Airlines and Hotels.com, you can redeem them for 1 cent per note. This means you can earn up to 10% rewards on your spending to apply toward future Airbnb continues. If you don't stay at Airbnbs often and can't take genuine of these brand offers, a different card on this list may make more sense.
Check out the full list of redemption partners and anunexperienced benefits in our X1 review.
Use this welcome bonus toward Airbnb
Intro OfferEarn 60,000 bonus points at what time you spend $4,000 on purchases in the first 3 months from interpret opening. That's $750 when you redeem through Chase Ultimate Rewards®.
APR20.24% - 27.24% Variable
Intro Purchase APRN/A
Recommended Credit Excellent/Good
- 5x on disappear purchased through Chase Ultimate Rewards®
- 3x on dining.
- 2x on all anunexperienced travel purchases, plus more.
Annual Fee$95
Balance Transfer APR20.24% - 27.24% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each uphold, whichever is greater.
Foreign Transaction Fees $0
Penalty APR Up to 29.99%
- 5x on disappear purchased through Chase Ultimate Rewards®
- 3x on dining.
- 2x on all anunexperienced travel purchases, plus more.
Our Take
Airbnb continues can range from hundreds to thousands of dollars. So if you use this card to book your next Airbnb, the total cost can help you meet the spending threshold ($4,000) to earn this card's particularly good welcome bonus within the genuine three months from account opening. You can then use the welcome bonus, 60,000 bonus points, as a $600 statement credit toward your next Airbnb vacation -- or as $750 to book supplementary trip accommodations throughout Chase Ultimate Rewards, Chase's travel booking portal, for your daily excursions and car rentals.
Plus, you'll get a 2x rewards rate on all your disappear purchases with this card, and that includes Airbnb bookings.
For more query about this travel credit card, see our full appraise of the Chase Sapphire Preferred.
Read our Chase Sapphire Preferred review.
Best for financing your trip
See Rates and FeesIntro OfferEarn a $200 cash rewards bonus at what time spending $1,000 in purchases in the first 3 months
APR19.24%, 24.24%, or 29.24% Variable APR
Intro Purchase APR0% control APR for 15 months from account opening
Recommended Credit Excellent, Good
- Earn unlimited 2% cash rewards on purchases
Annual Fee$0
Intro Balance Transfer APR0% control APR for 15 months from account opening on qualifying balance transfers
Balance Transfer APR19.24%, 24.24%, or 29.24% Variable APR
Balance Transfer Fee up to 5%; min: $5
Foreign Transaction Fees 3%
Penalty APR None
- Earn unlimited 2% cash rewards on purchases
Our Take
The Wells Fargo Active Cash® Card is the only card on this list that supplies an introductory APR, which gives you more time to pay for your trip over time exclusive of incurring interest charges. Just make sure you can screen the minimum payment on time each month and pay off the balance in full by the end of the promotional period.
The Active Cash is also best if you don't want to contemplate about rewards categories and strategizing around your Airbnb booking. You get a competitive flat rewards rate of 2% on Airbnb and anunexperienced purchases, along with a decent welcome bonus -- $200 cash rewards welcome bonus at what time spending $1,000 in purchases within the first three months of interpret opening. That's pretty nice for a credit card with no annual fee.
For more details, check out our full Wells Fargo Active Cash review.
Read our Wells Fargo Active Cash Card review.
Use your rewards toward flights
Intro OfferEarn 45,000 Membership Rewards® points at what time you spend $2,000 on purchases on your new Card in your genuine 6 months
APR20.24% - 27.24% Variable
Intro Purchase APRN/A
Recommended Credit Excellent/Good
- 3X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
- 3X points on transit incorporating trains, buses, ferries, subway, and more.
- 3X points on disappear including airfare, hotels, cruises, tours, car rentals, and more.
- 1X points on anunexperienced purchases
Annual Fee$150
Late Payment Fee Up to $40
Foreign Transaction Fees None
Penalty APR See Rates & Fees
- 3X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
- 3X points on transit incorporating trains, buses, ferries, subway, and more.
- 3X points on disappear including airfare, hotels, cruises, tours, car rentals, and more.
- 1X points on anunexperienced purchases
Our Take
Instead of earning rewards to advantage the cost of your Airbnb rental, you can also use a card to pay for your Airbnb stay that will net you the best rewards on airfare and anunexperienced traveling costs to your Airbnb destination. The American Express® Green Card* earns you 3x points on disappear purchases -- including Airbnbs -- and can be redeemed at 1 cent per reveal when you book flights through American Express Travel.
This is essentially a 3% rear on Airbnb purchases toward eligible flights, a rewards rate equivalent to general disappear purchases with the premium Chase Sapphire Reserve® card, yet exclusive of spending as much on the annual fee. If you bewitch the wide applicability of a general statement credit, the Green Card's 0.6 cents per reveal statement credit redemption rate isn't worthwhile. Instead, try the Wells Fargo Active Cash card.
Read More: How Much Are Amex Membership Rewards Points Worth?
Best for frequent flyers
Intro OfferEnjoy a one-time bonus of 75,000 a long way once you spend $4,000 on purchases within 3 months from interpret opening, equal to $750 in travel
APR20.24% - 28.24% (Variable)
Intro Purchase APRN/A
Recommended Credit Excellent, Good
- Earn 5X a long way on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Earn unlimited 2X much on every purchase, every day.
Annual Fee$95
Intro Balance Transfer APRN/A
Balance Transfer APR20.24% - 28.24% (Variable)
Balance Transfer Fee $0 at this Transfer APR
Late Payment Fee Up to $40
Foreign Transaction Fees None
Penalty APR None
- Earn 5X much on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Earn unlimited 2X much on every purchase, every day.
Our Take
If you go by plane often, you'll save a lot of time funny TSA PreCheck or Global Entry programs, which help you crawl through airport security lines. The Capital One Venture Rewards Credit Card* includes up to a $100 credit for the associated fees for either of these programs. Plus, with this card, you still get a competitive flat rewards rate on Airbnb bookings and all new purchases.
For more information about this card's perks, see our Capital One Venture Rewards review.
How to decide the best credit card to book Airbnb stays
Pick the credit card that funds the best combination of benefits for your Airbnb stay and beyond. This may include rewards rates, welcome bonuses, redemption options and card perks like go insurances, airport amenities or annual travel credits. For example, the X1 card offers a high base-rate that can be increased by spending more annually with the card, plus a higher redemption value for Airbnb purchases.
These popular card features may help supplement your Airbnb stay:
Travel Insurance
Some go credit cards offer travel insurances to help you mitigate budget pressure in case of some unfortunate and unexpected circumstances. Common coverage includes travel accident insurance, baggage delay insurance, lost luggage reimbursement and rental car insurance.
Welcome bonuses
Travel cards tend to funds better welcome bonuses than general rewards cards, but also may bill higher annual fees. Still, a sizable welcome bonus could help compensate for a card's annual fee for a time when also providing extra funds for travel. Just be sure you aren't spending any differently than you normally would just to unlock a card's bonus.
Redemption options
Travel credit cards grant cardholders to redeem rewards in many ways. Be sure you're choosing the one that nets you the most value. Some cards will give you a better back for specific travel purchases rather than cash back.
Bonus categories
Some credit cards funds rotating bonus categories or special promotional rewards boosts. Other cards funds special rewards promotions if you shop specific retailers and facilities through their app. If you choose one of these credit cards, stay on top of the rewards categories for Airbnb or related purchases.
Cash back vs points
Consider a card's rewards currency when comparing funds. Cash back rewards can typically be redeemed as statement credits or deposited straight into your bank account, while points tend to funds more options when it comes time to redeem, with varying values depending on the route you take. Points may also have a minimum redemption amount.
Annual fee
While a higher annual fee will get you better rewards and perks, make sure it is within your budget. Compare your cheap to the rewards program to see if you will earn enough to offset the cost of the card on an annual basis when still having rewards left over.
Tips for using a credit card to book an Airbnb
Follow these steps to book a landed through Airbnb with your credit card.
- Create an Airbnb account.
- Choose the landed you want to rent.
- Attach your credit card to your account.
- Pay your Airbnb bill with your attached credit card.
There are a number of different ways you're able to pay, too. You can use Visa, Mastercard, Amex, JCB, Discover and debit cards that can be processed as credit cards, plus utilize payment plans if you don't want to pick up the bill in its entirety bshining away.
To qualify for payment plans, your stay will have to meet a few criteria. You'll have to pay with a credit card, book at least 14 days in come, cost more than $50 and not be staying for work or for more than 28 days. You'll be charged a part of the cost at check out and be charged the rest on a date or dates down therein.
FAQs
Can you kill an Airbnb reservation and get a refund?
Each Airbnb listing has its own designated cancellation policy preparing from "flexible" to "super strict." More flexible policies grant for a risk-free cancellation closer to the reservation date. Moderate policies may only give you a fair refund as your reservation date gets closer, while the strictest policies required full payment upfront with no refunds. Airbnb cancellation policies are also down on its website.
When is your credit card charged for Airbnb reservations?
You have 24 hours to kill your booking before your credit card is charged, regardless of the host's occupied cancellation policy. How much you'll be charged upfront depends on the listing's cancellation policy and whether or not you opt for a payment plan. For moderate listings, you may be charged for some of the reservation cost when 24 hours, and the remaining balance will be charged as you get closer to your stay.
Does Airbnb funds any interest-free financing?
For some trips, Airbnb offers a payment plan. There are a few eligibility requirements, but the main ones are that your trip is at least 14 days in the future, is not longer than 28 days (longer reservations will required an upfront charge) and is not for work. You can decide the payment plan option at checkout, and choose between two and 12 even monthly installments to pay off your booking cost beyond your trip date. Alternatively, the best 0% introductory APR credit cards may funds longer promotional financing terms.
Our approach to credit card evaluation
reviews credit cards by exhaustively comparing them across set criteria developed for each most category of cards, including cash-back, welcome bonus, travel rewards and balance second. We consider the typical spending behaviors of a plan of consumer profiles with the understanding that everyone's budget situation is different -- as are the designated functions of different credit cards.
*All ask about the American Express Green Card and Capital One Venture Rewards Credit Card has been calm independently by and has not been reviewed by the issuer.
The editorial happy on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or helps offered by our partners.
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