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Best Credit Cards For Airbnb Of June 2024

Advertiser Disclosure Updated: Jun 25, 2024, 2:44pm

With more than 50 million redeemed miles under her belt, Becky Pokora is a rewards travel expert. She's been writing about credit cards and reward travel since 2011 with articles on Forbes Advisor, BoardingArea, The Points Guy and more. Her redemptions have helped her travel to more than 50 countries and all seven continents.

Becky Pokora

With more than 50 million redeemed miles under her belt, Becky Pokora is a rewards travel expert. She's been writing about credit cards and reward travel since 2011 with articles on Forbes Advisor, BoardingArea, The Points Guy and more. Her redemptions have helped her travel to more than 50 countries and all seven continents.

Credit Card Rewards Expert

Over a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mission to see as much of the world as possible, and strives to give everyone the tools to get out and do the same with simple, actionable information.

Dylan Pearl

Over a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mission to see as much of the world as possible, and strives to give everyone the tools to get out and do the same with simple, actionable information.

Updated: Jun 25, 2024, 2:44pm

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

Even with travel rewards, hotels are expensive. Airbnb provides another option—often with benefits beyond cost savings, like more than one room or access to a kitchen. When you're booking for a full family or a group of friends, the price can add up. Do your wallet a favor: Before your next trip, apply for a card that rewards you for your purchases with Airbnb.

Show Summary

Best Credit Cards for Airbnb

All information about American Express® Green Card has been collected independently by Forbes Advisor

Find the Best Credit Card

Featured Partner Offer

American Express® Gold Card

Partner Offer

Click Here To Apply Now

Up to 4X Reward Rate

Earn 4X Membership Rewards® points at restaurants, plus takeout and delivery in the U.S.; Earn 4X Membership Rewards® points atRead More

Welcome Bonus

Earn 60,000 points

Regular APR

See Pay Over Time APR

Credit Score

Excellent/Good (700 - 749)

Editorial Review

Foodies and travelers can leverage the American Express® Gold Card to the hilt, earning up to 4x points. The annual fee may seem intimidating, but by using the included benefits and doing some spending, it's easy to come out ahead.

Pros & Cons

High rewards earnings possibilities

Points transfer option to many partners

Add up to five authorized users for no additional annual fee

Can choose from regular or rose gold versions

Credits are doled out monthly and can be cumbersome to redeem

Limited options to carry a balance

High APR for pay over time feature

Card Details

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. Supermarkets (on up to $25,000 per calendar year in purchases, then 1X).

Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.Com.

$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.

$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.Com, Milk Bar and select Shake Shack locations. Enrollment required.

Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.

Choose the color that suits your style. Gold or Rose Gold.

No Foreign Transaction Fees.

Annual Fee is $250.

Terms Apply.

The Best Airbnb Credit Cards

Best Premium Flat-Rate Credit Card for Airbnb Capital One Venture X Rewards Credit Card

Click Here To Apply Now

Up to 10X Reward Rate

Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights and 10 miles per dollarRead More

Welcome Bonus

Earn 75,000 bonus miles

Regular APR

19.99% - 29.99% (Variable)

Credit Score

Excellent (750 - 850)

Editorial Review

Capital One's most premium travel card is packed with extras that put it firmly in competition with other upscale credit cards, but at an annual fee that leaves the others far behind.

Expert Commentary

Credit Cards and Travel Rewards Expert

With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN's senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards. Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it's all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex. In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC's "Squawk Box," Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.

Julian Kheel

Credit Cards and Travel Rewards Expert

With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN's senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards. Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it's all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex. In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC's "Squawk Box," Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.

Credit Cards and Travel Rewards Expert

If you're looking for lofty perks without a lofty annual fee (rates & fees), the Venture X fits the bill. While other cards with elite benefits run nearly $700 a year, you'll only pay a little more than half that for the Venture X. And you'll still get Capital One and Priority Pass airport lounge access for you and your guests, an annual travel credit and solid earnings on everyday purchases.

Pros & Cons

Annual fee lower than others in its category

Annual travel credit through Capital One Travel and anniversary miles alone could justify the annual fee

Miles are easy to earn and easy to use

Lack of domestic airline and upscale hotel travel partners

Capital One lounge network in its infancy

Lack of hotel status benefits

Card Details

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options

Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel

Earn unlimited 2X miles on all other purchases

Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network

Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs

Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

Receive up to a $100 credit for Global Entry or TSA PreCheck®

Best Credit Card for Airbnb Travel Credits Chase Sapphire Reserve®

Click Here To Apply Now

Up to 10x Reward Rate

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel throughRead More

Welcome Bonus

60,000 bonus points

Regular APR

22.49%-29.49% Variable

Credit Score

Excellent (750 - 850)

Our Expert Take

This card offers superior points earning rates if you spend frequently on travel and dining out. The $300 travel credit justifies much of the annual fee, and redeeming points for travel through Chase Travel℠ nets you a 50% bonus.

Expert Commentary

A credit card enthusiast and avid traveler, Lori has visited more than 60 countries, many of them using credit card points and frequent flyer miles. She has lived in Spain as a freelance writer and editor for around two decades, figuring out the best tips and tricks for using points and miles to live and travel abroad, and writing about it to share her knowledge every step of the way.

Lori Zaino

A credit card enthusiast and avid traveler, Lori has visited more than 60 countries, many of them using credit card points and frequent flyer miles. She has lived in Spain as a freelance writer and editor for around two decades, figuring out the best tips and tricks for using points and miles to live and travel abroad, and writing about it to share her knowledge every step of the way.

Credit Cards Writer

The Chase Sapphire Reserve card is one of the most valuable flexible rewards credit cards thanks to its lucrative bonus categories and easy-to-use travel credit. Cardholders can offset the annual fee and get great value when redeeming Chase Ultimate Rewards points earned on the card, thanks to partnerships with numerous airlines and hotels and its convenient travel booking portal, Chase Travel℠.

Pros & Cons

$300 annual travel credit is incredibly flexible

Generous welcome bonus

Get 50% more value when you redeem points for travel through Chase

Points transfer to valuable airline and hotel partners

High annual fee

High variable APR on purchases

Excellent credit recommended

Card Details

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ 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 Travel℠. For example, 60,000 points are worth $900 toward travel.

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 PassTM 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.

Member FDIC

Best Student Credit Card for Airbnb Bank of America® Customized Cash Rewards credit card for Students

Click Here To Apply Now

Choose your 3% category

Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up toRead More

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Credit Score

Excellent/Good (700 - 749)

Our Expert Take

This card scores an 'A+' for students in need of an intro APR offer and no annual fee, while still earning impressive cash-back rewards.

Expert Commentary

Experiencing the world through travel is a privilege, but affordability is a common barrier to entry. By sharing accessible tips on responsible credit card use, rewards programs and rewards hacking, Emily Jane Moore helps people with limited financial resources access meaningful travel experiences.

Emily Moore

Experiencing the world through travel is a privilege, but affordability is a common barrier to entry. By sharing accessible tips on responsible credit card use, rewards programs and rewards hacking, Emily Jane Moore helps people with limited financial resources access meaningful travel experiences.

Credit Cards Writer

This card offers valuable cash-back rewards to responsible students with good to excellent credit. The savviest cardholders will pay close attention to their top spending category to maximize their quarterly 3% cash back option.

Pros & Cons

Free FICO® Score access

Intro APR offer with a generous term

Competitive cash-back reward rates

Solid welcome bonus

3% foreign transaction fee

Higher penalty APR applies to late payments

Card Details

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.

Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.

No annual fee and cash rewards don't expire as long as your account remains open.

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that's currently 19.24% – 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.

When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.

Contactless Cards – The security of a chip card, with the convenience of a tap.

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.

Best Airbnb Credit Card for Foodies American Express® Gold Card

Partner Offer

Click Here To Apply Now

Up to 4X Reward Rate

Earn 4X Membership Rewards® points at restaurants, plus takeout and delivery in the U.S.; Earn 4X Membership Rewards® points atRead More

Welcome Bonus

Earn 60,000 points

Regular APR

See Pay Over Time APR

Credit Score

Excellent/Good (700 - 749)

Our Expert Take

Foodies and travelers can leverage the American Express® Gold Card to the hilt, earning up to 4x points. The annual fee may seem intimidating, but by using the included benefits and doing some spending, it's easy to come out ahead.

Expert Commentary

Always dreaming about the next destination, credit cards specialist Barbara King is an avid traveler who optimizes her adventures through the use of points and miles. Barbara has earned and redeemed millions of credit cards points which has enabled her to explore over 50 countries on six continents, enjoying both budget and luxury travel.

Barbara King

Always dreaming about the next destination, credit cards specialist Barbara King is an avid traveler who optimizes her adventures through the use of points and miles. Barbara has earned and redeemed millions of credit cards points which has enabled her to explore over 50 countries on six continents, enjoying both budget and luxury travel.

Credit Cards Writer

This card makes it easy to earn Membership Rewards points while doing regular grocery shopping since the card earns bonus points at supermarkets. And for the nights that cardholders don't want to cook, they can make use of the monthly dining and Uber credits (which can be used on Uber Eats orders).

Pros & Cons

High rewards earnings possibilities

Points transfer option to many partners

Add up to five authorized users for no additional annual fee

Can choose from regular or rose gold versions

Credits are doled out monthly and can be cumbersome to redeem

Limited options to carry a balance

High APR for pay over time feature

Card Details

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. Supermarkets (on up to $25,000 per calendar year in purchases, then 1X).

Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.Com.

$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.

$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.Com, Milk Bar and select Shake Shack locations. Enrollment required.

Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.

Choose the color that suits your style. Gold or Rose Gold.

No Foreign Transaction Fees.

Annual Fee is $250.

Terms Apply.

Best Credit Card for Airbnb with a Mid-Range Annual Fee Chase Sapphire Preferred® Card

Click Here To Apply Now

Up to 5x Reward Rate

Earn 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on allRead More

Welcome Bonus

60,000 bonus points

Regular APR

21.49%-28.49% Variable

Credit Score

Excellent, Good (700 - 749)

Our Expert Take

Offering a rare mix of high rewards rates and redemption flexibility, this card is a dream for frequent spenders on travel & dining – while charging a modest annual fee.

Expert Commentary

Credit Cards and Travel Rewards Expert

With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN's senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards. Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it's all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex. In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC's "Squawk Box," Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.

Julian Kheel

Credit Cards and Travel Rewards Expert

With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN's senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards. Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it's all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex. In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC's "Squawk Box," Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.

Credit Cards and Travel Rewards Expert

I​​t's the granddaddy of travel credit cards, but it still earns its reputation as one of the best around with solid bonus categories, strong travel protections, a great set of domestic and international transfer partners and a reasonable annual fee to boot. You can't go wrong with it as your first travel credit card.

Pros & Cons

Earn high rewards on several areas of spending

Transfer points to travel partners at 1:1 rate

Many travel and shopping protections

Annual fee

No intro APR offer

Best travel earning rates are only for bookings through the Chase Travel portal

Card Details

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.

Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.

Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Member FDIC

Best Credit Card for Occasional Airbnb Travelers American Express® Green Card *

Up to 3X Reward Rate

Earn 3X Membership Rewards points on eligible travel, transit and restaurant purchases including takeout and delivery in the U.S. EarnRead More

Welcome Bonus

Earn 40,000 points

Regular APR

See Pay Over Time APR

Credit Score

Excellent/Good (700 - 749)

Our Expert Take

With its generous rewards on travel, transit, and dining purchases, the relaunched American Express® Green Card is an attractive option. That said, the annual fee is a bit steep, considering the limited perks and lack of Gold or Platinum prestige.

Expert Commentary

Credit Cards and Travel Rewards Expert

With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN's senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards. Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it's all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex. In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC's "Squawk Box," Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.

Julian Kheel

Credit Cards and Travel Rewards Expert

With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN's senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards. Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it's all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex. In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC's "Squawk Box," Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.

Credit Cards and Travel Rewards Expert

Occasional travelers who want to be treated like VIPs will find that the Amex Green card has an ideal set of perks. The $100 annual LoungeBuddy credit is just enough to cover airport lounge access a few times a year, and the CLEAR credit provides expedited access through TSA security at major airports across the country. Put them together and it's a perfect balance of benefits for infrequent flyers at a relatively low annual fee.

Pros & Cons

No foreign transaction fee

Flexible redemption and points transfer options

High rewards rate on dining, travel and transit

Mediocre base rewards rate

Limited features and perks

No intro APR offer

No balance transfer option

Card Details

Earn 40,000 points after spending $3,000 on purchases in the first 6 months

Earn 3 points per dollar spent on travel, transit purchases and eligible purchases at restaurants worldwide

Earn 1 point per dollar on all other eligible purchases

$189 CLEAR® Plus and $100 LoungeBuddy credits

Trip delay insurance

No foreign transaction fees

All information about American Express® Green Card has been collected independently by Forbes Advisor

All information about American Express® Green Card has been collected independently by Forbes Advisor

Best No Annual Fee Card for Airbnb Wells Fargo Autograph℠ Card

Click Here To Apply Now

Up to 3X Reward Rate

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X pointsRead More

Welcome Bonus

20,000 bonus points

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Credit Score

Good, Excellent (700 - 749)

Our Expert Take

Earning 3 points per dollar spent on a wide range of spending—including restaurants, travel, gas stations, transit and popular streaming services—for no annual fee, the Wells Fargo Autograph is a powerhouse.

Pros & Cons

No annual fee

No foreign transaction fee

Introductory APR period

Plentiful reward points categories

Protections include cellphone insurance

Balance transfer fee

No introductory balance transfer APR

Card Details

Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that's a $200 cash redemption value.

Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.

$0 annual fee.

0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.

Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.

Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Here's a Summary of the Best Credit Cards for Airbnb

All information about American Express® Green Card has been collected independently by Forbes Advisor

More About the Best Credit Cards for Airbnb Other Credit Card Options for Airbnb Purchases

Someone who only stays at rentals occasionally may not need a dedicated card specifically for Airbnb. Instead, other travel credit cards might be a better fit. General travel cards still reward you on your Airbnb charges but may also offer strong earnings on other types of travel expenses including hotels, rental cars and flights. Additionally, the best Airbnb credit cards have annual fees, but you may be more comfortable with no-annual-fee travel cards.

Be careful when considering other credit card options for Airbnb purchases. Co-branded hotel credit cards or airline credit cards are far more specialized than those intended for a variety of travel. Specific benefits can be incredibly valuable to those who use them (think elite status for hotel suite upgrades or free checked bags on your favorite airline), but won't get used by everyone.

Find the Best Travel Credit Cards for 2024

Find the best travel credit card for your travel needs.

Methodology

Forbes compared dozens of options to find and rank the best credit cards for Airbnb. Factors considered include:

Annual fees

Reward earning rates and redemption values, especially for Airbnb purchases

Statement credits toward Airbnb or other related purchases

Introductory APR offers on purchases and/or balance transfers

Welcome bonuses

Other ongoing card benefits

Forbes Advisor rates cards both as stand-alone products (the card rating on the review) and compared to others in a specific use case. Sometimes, cards with average stand-alone ratings may still rank highly on a particular list according to how a person looking for a card in that category may value certain card features.

For instance, a card that might be considered mediocre overall could be the top card on a list of rewards cards with no annual fee. That's because the card might offer limited features compared to other rewards cards, but after we remove cards that charge an annual fee, it's the best card that remains.

Forbes Advisor uses data from multiple government agencies to determine how much a typical cardholder might spend. We use the same numbers for cards in the same category to make sure we are comparing cards the same way. The bonus categories for spending included with each card are factored into our determination of how many rewards a cardholder could expect to earn if they use the card as a consumer normally would.

Read more: How Forbes Advisor Rates Credit Cards

Do You Need a Credit Card for Airbnb?

Paying for an Airbnb with a credit card is one of the best options, but it may or may not make sense to get a credit card specifically dedicated to purchases with Airbnb. You should consider a specific Airbnb credit card if:

You regularly stay at Airbnbs

You spend a lot of money with Airbnb (e.G. Larger properties or luxury stays)

You book Airbnb experiences frequently

You will also use the credit card's other travel benefits, perks and rewards

Pro Tip

If you already have one or more travel rewards cards, you might already have a card that's great for Airbnb. Review your card benefits and rewards structure, to see if you can use your existing card, for Airbnb.

How To Choose the Best Airbnb Credit Cards

If you often book with Airbnb, it might be a good idea to think about getting a card that will reward you or allow you to redeem your rewards for those purchases. Here are some questions you should ask yourself before you apply for a credit card for Airbnb.

How much do I spend on Airbnb rentals? If you only make a booking or two per year, it may not be worth getting a card dedicated to Airbnb purchases. Instead, consider a general travel card. If you travel infrequently, a cash-back credit card could also be a worthy alternative.

Do I plan to travel internationally or domestically? If you don't plan to travel outside of the U.S., there's no need to worry about foreign transaction fees.

How do I prefer to redeem rewards? Some credit cards allow you to convert or transfer credit card points to airline and hotel miles for the potential to get outsized rewards. However, that's more complicated and easy cash redemptions might be more your speed.

Are there any other benefits I care about? Think about other card attributes that you might find appealing. Many credit cards offer convenient and useful built-in travel and consumer benefits.

To view rates and fees for American Express® Gold Card please visit this page.For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Frequently Asked Questions (FAQs) Which credit card is best for Airbnb?

There's no one best credit card for purchases with Airbnb. Whether a credit card is best for you depends on your individual spending and travel habits. Our favorites are discussed above and were chosen for the rewards they earn on Airbnb and related purchases, as well as additional included card benefits and, in most cases, no foreign transaction fees.

Is Airbnb considered travel for the Chase Sapphire Reserve?

Yes, Airbnb categorizes as a travel purchase on the Chase Sapphire Reserve®.

Is Airbnb considered travel for the Chase Sapphire Preferred?

Yes, Airbnb categorizes as a travel purchase on the Chase Sapphire Preferred® Card.

Can you transfer Chase points to Airbnb?

It's not possible to transfer Chase points to Airbnb. However, Chase Ultimate Rewards are still very valuable and can be redeemed toward other overnight accomodations without blackout dates by booking through Chase Travel. Some Chase points can also be transferred at a 1:1 ratio to select hotel partners to redeem through their loyalty programs. Or you can always redeem them for 1 cent each and use that cash towards Airbnb.

*The information for the following card(s) has been collected independently by Forbes Advisor: American Express® Green Card. The card details on this page have not been reviewed or provided by the card issuer.

Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.

Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author's alone and have not been provided, approved, or otherwise endorsed by our partners.

Credit Card Rewards Expert

With more than 50 million redeemed miles under her belt, Becky Pokora is a rewards travel expert. She's been writing about credit cards and reward travel since 2011 with articles on Forbes Advisor, BoardingArea, The Points Guy and more. Her redemptions have helped her travel to more than 50 countries and all seven continents.

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