The 13 Best Credit Cards for Booking Airbnb or Vrbo Stays [2024]

Booking an Airbnb or Vrbo stay? Both platforms offer an online marketplace for vacation rentals as an alternative to hotel bookings. But in addition to short-term rentals, you can also book experiences or long-term rentals.

Whether you use Airbnb or Vrbo, you’ll want to maximize every dollar you spend. But since both of these don’t fall under traditional hotel categories, it can be confusing to determine whether your bookings would earn bonus points.

This guide will show you the best credit cards for booking Airbnb or Vrbo stays.

Hide SummaryShow Summary

The 13 Best Credit Cards for Booking Airbnb or Vrbo Stays

• Chase Sapphire Reserve^® — Best for Earning Points & Travel Insurance
• American Express^® Green Card* — Best Mid-tier Card for Travel
• Chase Sapphire Preferred^® Card — Best for Overall Value & Travel Insurance
• Capital One Venture X Rewards Credit Card — Best for Premium Benefits & Travel Insurance
• Capital One Venture Rewards Credit Card — Best for Earning Miles on Every Purchase
• Citi Double Cash^® Card — Best for Cash-back & No Annual Fee
• One Key+™ Card — Best for Vrbo Homes
• One Key™ Card — Best for Vrbo Homes & No Annual Fee
• Ink Business Preferred^® Credit Card — Best for Earning Points & Travel Insurance
• The Blue Business^® Plus Credit Card from American Express — Best for Cash-back & No Annual Fee
• Ink Business Unlimited^® Credit Card — Best for Earning Points & No Annual Fee 
• Capital One Spark Miles for Business*×Information collected independently. Not reviewed by Capital One. — Best for Earning Miles
• Capital One Spark Miles Select for Business*×Information collected independently. Not reviewed by Capital One. — Best for Earning Miles & No Annual Fee

*All information about American Express^® Green Card has been collected independently by Upgraded Points.

Card Summary

What To Look for in a Credit Card for Airbnb or Vrbo Stays

Airbnb and Vrbo (and other competing platforms) rarely count as hotels, so vacation rental stays don’t allow for hotel bonus earnings.

When looking for the best credit card for vacation rentals, find one that offers the highest rewards on general travel purchases. The definition of general travel is comprehensive and can vary from bank to bank.

Few credit cards offer bonus categories for general travel, so after these categories are exhausted, look next for the best credit cards for non-bonused spending.

After looking at rewards accrual structures, you should focus on the best travel benefits for your needs, including travel and purchase protections.

With that in mind, let’s get into our best credit cards for Airbnb or Vrbo stays. We’ll start with the best personal cards. Then, we’ll walk you through the best business credit cards for Airbnb or Vrbo stays should your business require travel.

The 8 Best Personal Cards for Airbnb or Vrbo Stays

Chase Sapphire Reserve Card (Best for Earning Points & Travel Insurance)

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 points

UP's Bonus Valuation*:

$1,200

Annual Fee

$550

APR

21.74% - 28.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent (740-850)

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros & Cons

Pros

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases through March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025

Cons

• $550 annual fee
• Does not offer any sort of hotel elite status

Read Full Review

Card Highlights

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
• $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 Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck^®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
• Member FDIC

Financial Snapshot

• APR: 21.74% - 28.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The best personal credit card to use for Airbnb or Vrbo stays is the Chase Sapphire Reserve card. The biggest reason why this specific card is the best choice for Airbnb or Vrbo is that it earns 3x Ultimate Rewards points per dollar spent on dining and travel.

Chase defines travel very broadly, meaning your bookings on Airbnb and Vrbo will count and earn 3x Ultimate Rewards points.

The Chase Sapphire Reserve card offers an excellent welcome bonus offer, a generous $300 travel credit (which can be used for Airbnb and Vrbo stays), and numerous other benefits.

This credit card comes with up to $120 Global Entry, TSA PreCheck, or NEXUS application fee credit (as of October 1, 2024), the ability to earn 10x points per dollar on Chase Dining purchases, 10x points on hotel and car rentals purchased through Chase Travel, 10x points on Lyft purchases through March 31, 2025 and a Priority Pass Select membership.

Also, you’ll enjoy a complimentary subscription to DoorDash DashPass (when activated by December 31, 2027) and car rental elite status benefits at Avis and National.

It doesn’t end there, though. You’ll enjoy the best travel protections offered by a single credit card, consisting of primary auto rental collision damage coverage, trip cancellation and interruption insurance, baggage delay insurance, lost luggage reimbursement, trip delay reimbursement, travel accident insurance, emergency medical and dental coverage, and emergency evacuation and transportation coverage.

Regarding other card benefits, you can utilize roadside assistance, purchase protection, return protection, and extended warranty coverage.

Why We Like Earning Chase Ultimate Rewards Points

At Upgraded Points, we’re huge fans of Chase Ultimate Rewards points because they can be used for various redemptions. These include statement credits and cash-back, gift cards, merchandise, and booking travel through Chase Travel.

With the Chase Sapphire Reserve card, you will receive 50% more value for travel booked through Chase Travel, which will net you a value of 1.5 cents per point.

But our favorite way to redeem Chase Ultimate Rewards points is to transfer them to Chase airline and hotel partners for business or first class flights and luxury hotel stays. Indeed, transferring points to travel partners is one of the reasons why these points are some of the most valuable in the world, worth around 2 cents per point, based on our estimations.

Amex Green Card (Best Mid-Tier Card for Travel)

American Express^® Green Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.

All information about American Express^® Green Card has been collected independently by Upgraded Points.

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Green Card

This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.

Welcome Offer

Earn 40,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on your American Express^® Green Card within the first 6 months of Card Membership.

40,000 points

UP's Bonus Valuation*:

$880

Annual Fee

$150

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The American Express^® Green Card is an excellent all-around travel rewards card thanks to earning 3x Membership Rewards^® points on eligible travel and transit purchases and at restaurants, access to American Express transfer partners, and a reasonable annual fee.

Pros & Cons

Pros

• 3x points per $1 spent at restaurants worldwide, on all eligible travel purchases, and transit purchases
• Up to $199 per calendar year in statement credits after you pay for a CLEAR^® Plus membership with the Card.
• Up to $100 in statement credits annually when you purchase airport lounge access through LoungeBuddy with the Card.

Cons

• $150 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 40,000 Membership Rewards^® Points after you spend $3,000 in eligible purchases on your American Express^® Green Card within the first 6 months of Card Membership.
• Earn 3X Membership Rewards^® points on travel, including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals.
• Earn 3X Membership Rewards^® Points on transit purchases, including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
• Earn 3X Membership Rewards^® points on eligible purchases at restaurants worldwide, including takeout and delivery in the US.
• $199 CLEAR Plus Credit: Receive up to $199 per calendar year in statement credits when you pay for your CLEAR Plus membership (subject to auto-renewal) with the American Express^® Green Card.
• $100 LoungeBuddy: No airport lounge membership? No problem! Purchase lounge access through the LoungeBuddy app using the American Express^® Green Card and receive up to $100 in statement credits annually.
• Payment Flexibility: When it comes to paying your bill, you have options. You can always pay in full. You also have the flexibility to carry a balance with interest or use Plan It^® to split up large purchases into monthly payments with a fixed fee, up to your Pay Over Time Limit. You may be able to keep spending beyond your limit – you’ll just need to pay for any new purchases in full when your bill is due.
• Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per eligible account per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• No Foreign Transaction Fees: No matter where you’re traveling, when you use your American Express^® Green Card there are no foreign transaction fees.
• $150 annual fee.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

The Amex Green card is one of our favorite cards because it offers rich rewards, unique travel perks, and more.

This premium card offers a great introductory welcome bonus offer to start your points accrual. The Amex Green card earns 3x Membership Rewards points at restaurants worldwide, on transit, and on all eligible travel purchases.

This card is the only card from American Express that offers bonus points on travel as a broad category. It includes airfare, hotels, cruises, tours, car rentals, and vacation rentals like Airbnb and Vrbo.

It also boasts up to $199 in statement credits per year towards a CLEAR Plus membership and up to $100 in statement credits per year on LoungeBuddy purchases.

If you’re looking for travel coverage, you’ll find tons of value in this card thanks to its trip delay insurance, secondary car rental loss and damage insurance, and baggage insurance plan. Of course, you’ll find purchase protection and extended warranty coverage, which are common for these cards.

Why We Like Earning Amex Membership Rewards Points

The points you’ll earn on the Amex Green card are Amex Membership Rewards points.

Earning Amex Membership Rewards points is one of the most lucrative things you can do regarding rewards. In short, Amex has the most valuable transferable points, which can be used for incredible value when transferred to airline and hotel partners.

Other ways to redeem Amex points include travel booked through AmexTravel.com, gift cards, Amazon, cash-back, charitable donations, and more. However, we recommend transferring your points to airline and hotel partners.

Chase Sapphire Preferred Card (Best for Overall Value & Travel Insurance)

BEST BEGINNER CARD

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points

UP's Bonus Valuation*:

$1,200

Annual Fee

$95

APR

20.74% - 27.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
• 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, 2027.
• Member FDIC

Financial Snapshot

• APR: 20.74% - 27.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Preferred card is one of the world’s most popular travel rewards credit cards — and for good reason!

This card is one of the best “starter” rewards credit cards because of its incredible welcome bonus offer, access to Chase Ultimate Rewards partnerships, and of course, the ability to earn 5x points on travel purchased through Chase Travel, 3x points on dining and on online grocery purchases (excluding Target, Walmart and wholesale clubs), and 2x points on all other travel purchases (including Airbnb and Vrbo, which is why this is one of our top choices).

The Chase Sapphire Preferred card also offers a complimentary DoorDash DashPass subscription (when activated by December 31, 2027) and no foreign transaction fees.

You’d be hard-pressed to find a card with better coverage for travel benefits. The Chase Sapphire Preferred card comes with auto rental collision damage waiver, trip delay reimbursement, trip cancellation and interruption insurance, baggage delay insurance, travel accident insurance, roadside dispatch, and travel and emergency assistance.

And as you’re making purchases on the card, you’ll rest easy with purchase protection and an extended warranty on all your purchases.

Capital One Venture X Card (Best for Premium Benefits & Travel Insurance)

Terms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Apply Now(at Capital One's secure site)

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome Offer

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.

75,000 miles

UP's Bonus Valuation*:

$1,350

Annual Fee

$395

APR

19.99% - 29.49% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent (740-840)

Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Cons

• $395 annual fee (rates & fees)
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

Read Full Review

Card Highlights

• 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 and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations 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
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®

Financial Snapshot

• APR: 19.99% - 29.49% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

The Capital One Venture X card is Capital One’s ultra-premium credit card. It can earn 2x miles on Airbnb and Vrbo bookings, as this card earns 2x on all eligible purchases.

In addition, there’s an annual credit of $300 for all bookings made through Capital One Travel (also valid for vacation rentals!).

Here is the earning structure on this card:

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on vacation rentals and flights purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Every account anniversary, cardholders will get 10,000 bonus Capital One miles, too!

The Capital One Venture X card confers a Priority Pass Select membership, access to Capital One Lounges and Plaza Premium Lounges, a Global Entry or TSA PreCheck application fee credit, complimentary Hertz Gold Plus Rewards President’s Circle status, travel insurance and protections, auto rental collision damage waiver, cell phone protection, extended warranty, no foreign transaction fees (rates & fees), and no-additional-charge for up to 4 authorized users (rates & fees).

Why We Like Earning Capital One Miles

Capital One miles are one of the major transferable currencies, which means you can transfer your Capital One miles to airline partners for amazing flights in premium cabins.

You can redeem your miles for statement credits, travel purchases, gift cards, and more. However, we believe the best way to redeem your Capital One miles is for airline partner transfers.

Capital One Venture Card (Best for Earning Miles on Every Purchase)

Terms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Apply Now(at Capital One's secure site)

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome Offer

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.

75,000 miles

UP's Bonus Valuation*:

$1,350

Annual Fee

$95

APR

19.99% - 29.49% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent Credit (670-850)

Why We Like This Card

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons

Pros

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

• $95 annual fee (rates & fees)
• Limited elite benefits

Read Full Review

Card Highlights

• 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, vacation rentals 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 $120 credit for Global Entry or TSA PreCheck^®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

• APR: 19.99% - 29.49% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

The Capital One Venture card is one of our favorite credit cards for simple transferable rewards.

The card earns:

• 5x miles per $1 on vacation rentals, hotels, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases

Since you don’t have to worry about bonus categories, you can bet that Airbnb and Vrbo stays will count at the 2x rate!

This card also offers up to $120 Global Entry or TSA PreCheck application fee credit and solid travel protections, including MasterRental Insurance, trip cancellation/interruption coverage, lost or damaged luggage insurance, Master RoadAssist, and more.

Plus, you’ll enjoy cardholder benefits like zero fraud liability, purchase assurance, and extended warranty coverage.

Citi Double Cash Card (Best for Cash-back & No Annual Fee)

Citi Double Cash^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Citi Double Cash^® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Welcome Offer

Earn $200 cash-back after spending $1,500 on purchases in the first 6 months of account opening.

$200 cash-back

Annual Fee

$0

APR

0% Intro APR for 18 months on balance transfers, then 18.49% to 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Fair to Excellent (580-850)

Why We Like This Card

The Citi Double Cash^® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Pros & Cons

Pros

• Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
• Flexible redemption options
• No annual fee

Cons

• No bonus categories
• 3% foreign transaction fees

Read Full Review

Card Highlights

• Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This 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.
• Balance Transfer Only Offer: 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 18.49% to 28.49%, 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).
• Citi Double Cash^® Card Travel Portal Special Offer
  Earn a total of 5 ThankYou^® Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel℠ portal via cititravel.com or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 12/31/2025.

Financial Snapshot

• APR: 0% Intro APR for 18 months on balance transfers, then 18.49% to 28.49% Variable
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Rewards Center

Citi ThankYou Rewards

The Citi Double Cash card is one of our favorite credit cards because it earns 2% cash-back. You’ll earn 1% when you purchase and 1% when you pay it off (earned as ThankYou Points), with no caps!

That means that for your Airbnb and Vrbo stays, you can potentially earn 2% with no caps!

You can redeem points for cash-back in the form of a statement credit, direct deposit, or mailed check. Alternatively, you can redeem them for gift cards, travel, or shop with points at Amazon.com and more.

Other benefits include zero liability for unauthorized purchases and fraud protection.

Why We Like Earning Citi ThankYou Rewards Points

The ability to earn 2% with a $0 annual fee on Airbnb or Vrbo is fantastic.

When you pair your Citi Double Cash card with a premium card like the Citi Strata Premier℠ Card, you can transfer ThankYou Points to the full catalog of travel partners and redeem them for flights like Singapore Airlines first class or Delta One Suites!

One Key+ Card (Best for Vrbo Homes)

NEW CARD

One Key+™ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Extra perks and OneKeyCash on Expedia, Hotels.com, and Vrbo.

One Key+™ Card

Extra perks and OneKeyCash on Expedia, Hotels.com, and Vrbo.

Welcome Offer

Earn $600 in OneKeyCash after you spend $3,000 on purchases in the first 3 months.

$600

Annual Fee

$99

APR

19.74%, 24.74%, or 29.74% variable

Why We Like This Card

The One Key+™ Card has a $99 annual fee but tangible benefits make up for the cost. Cardholders will receive $100 in OneKeyCash every anniversary and access to a Global Entry or TSA PreCheck credit every 4 years.

With automatic Gold elite status (and a pathway to Platinum), cardholders can get some unique travel perks when booking through Expedia, Hotels.com, and Vrbo. The card offers bonus OneKeyCash for spending at any of those travel brands, as well as gas, groceries, and dining.

Pros & Cons

Pros

• Up to 9% in OneKeyCash on Expedia and
  Hotels.com
• 5% in OneKeyCash on U.S. Vrbo bookings
• 3% in OneKeyCash on groceries, gas, and dining

Cons

• OneKeyCash can only be used on Expedia, Hotels.com, and Vrbo and can’t transferred to airline and hotel loyalty programs
• $99 annual fee

Read Full Review

Card Highlights

• Earn $600 in OneKeyCashTM after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
• Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo, 3% in OneKeyCash at gas stations, grocery stores, and on dining and 2% in OneKeyCash on other purchases.
• $99 annual fee.
• Get Automatic Gold tier in the One Key rewards program with savings of 20% or more with Gold Member Prices on over 10,000 hotels worldwide. Unlock Platinum when you spend $30,000 per calendar year.
• Get $100 in OneKeyCash each year upon your cardholder anniversary.
• Receive one statement credit up to $120 for Global Entry® or TSA PreCheck®.
• No foreign transaction fees.

Financial Snapshot

• APR: 19.74%, 24.74%, or 29.74% variable
• Foreign Transaction Fees: 

The One Key+ card helps you supercharge rewards on vacation rentals, especially for Vrbo bookings. You’ll earn 3% OneKeyCash on Expedia, Hotels.com, and Vrbo, with no caps.

You can redeem OneKeyCash for future vacation rental properties through Vrbo at a rate of 1 cent each. In addition to the generous welcome bonus offer, this card is the most rewarding for earning and redeeming OneKeyCash for Vrbo properties.

The card offers $100 in OneKeyCash every 12-month period of holding it, helping justify the $99 annual fee beyond the other perks.

Why We Like Earning OneKeyCash

OneKeyCash is quite versatile, as you’ll earn rewards across Expedia, Hotels.com, and Vrbo. However, the ability to earn and redeem rewards on Vrbo is the most compelling, given that vacation homes usually cost hundreds (or thousands) of dollars.

It’s worth noting that these rewards can’t be transferred to airline or hotel programs. However, for travelers looking for easy and straightforward redemptions, earning OneKeyCash is a great option. You can use any amount at a rate of 1 cent piece to reduce your out-of-pocket cost at checkout.

One Key Card (Best for Vrbo Homes & No Annual Fee)

NEW CARD

One Key™ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Unlock rewards at Expedia, Hotels.com, and Vrbo, with a no-annual-fee card.

One Key™ Card

Unlock rewards at Expedia, Hotels.com, and Vrbo, with a no-annual-fee card.

Welcome Offer

Earn $400 in OneKeyCash after you spend $1,000 on purchases in the first 3 months.

$400

Annual Fee

$0

APR

19.74%, 24.74%, or 29.74% variable

Why We Like This Card

The One Key™ Card is one of the best $0-annual-fee travel credit cards. It’s a must-have for earning rewards across 3 core brands: Expedia, Hotels.com, and Vrbo, as well as popular spending categories, such as gas, groceries, and dining.

When it comes time to redeem rewards, travelers have their pick to redeem OneKeyCash for flights (must redeem for the full amount). hotels, vacation rentals, cruises, activities, car rentals.

Pros & Cons

Pros

• Up to 9% in OneKeyCash on Expedia and Hotels.com
• 5% in OneKeyCash on Vrbo properties in the U.S.
• 3% in OneKeyCash on groceries, gas, and dining

Cons

• OneKeyCash can only be used on Expedia, Hotels.com, and Vrbo
• Rewards cannot be transferred to airline and hotel loyalty programs

Read Full Review

Card Highlights

• Earn $400 in OneKeyCashTM after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
• Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo, 3% in OneKeyCash at gas stations, grocery stores, and on dining and 1.5% in OneKeyCash on other purchases.
• $0 annual fee.
• Get Automatic Silver tier in the One Key rewards program with savings of 15% or more with Silver Member Prices on over 10,000 hotels worldwide. Unlock Gold when you spend $15,000 per calendar year.
• No foreign transaction fees.
• Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.

Financial Snapshot

• APR: 19.74%, 24.74%, or 29.74% variable
• Foreign Transaction Fees: 

The One Key card is a fantastic option for a $0 annual fee. Like the One Key+ card, you’ll still earn 3% OneKeyCash on Expedia, Hotels.com, and Vrbo, with no caps.

However, the key difference is that you’ll earn 1.5% OneKeyCash on all other eligible purchases compared to a greater 2% rate on the OneKey+ card. This card does not offer a OneKeyCash anniversary bonus, but the everyday rewards are still generous nonetheless.

The 5 Best Business Cards for Airbnb or Vrbo Stays

It’s easy to fall in love with any of the personal credit cards above and use them for Airbnb or Vrbo stays.

But if you happen to be traveling for business, you’ll want to use a business credit card that can keep your personal and business expenses separate. So in this next section, we’ll show you our favorite business credit cards for Airbnb or Vrbo stays.

Ink Business Preferred Card (Best for Earning Points & Travel Insurance)

Ink Business Preferred^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Apply Now(at Chase's secure site)

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome Offer

Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.

90,000 points

UP's Bonus Valuation*:

$1,800

Annual Fee

$95

APR

20.49% - 26.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons

Pros

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection

Cons

• No elite travel benefits like airport lounge access

Read Full Review

Card Highlights

• Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
• 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
• Round-the-clock monitoring for unusual credit card purchases
• 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 Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Financial Snapshot

• APR: 20.49% - 26.49% Variable
• Foreign Transaction Fees: $0

Rewards Center

Chase Ultimate Rewards

Our favorite business credit card for Airbnb and Vrbo is the Ink Business Preferred card.

This card offers a massive welcome bonus offer worth around $2,000. And as you look deeper, you’ll find that you will earn 3x Ultimate Rewards points per dollar spent, on up to $150,000 every cardmember year in these bonus categories:

• Advertising on social media and search engines
• Travel
• Shipping
• Internet, cable, and phone

That means you’ll experience the same earning structure for Airbnb and Vrbo as you would with the Chase Sapphire Reserve card. The main difference is that the Ink Business Preferred card has a cap of $150,000 in combined purchases, while the Chase Sapphire Reserve card doesn’t have a cap.

The other big difference is that this card’s annual fee is just $95, which is just a fraction of the Chase Sapphire Reserve card’s $550 annual fee.

The Ink Business Preferred card also offers cell phone insurance, primary auto rental collision damage waiver, trip interruption and cancellation coverage, trip delay reimbursement, purchase protection, extended warranty, and no foreign transaction fees. You can also add employee cards for no additional fee.

Hot Tip:

Between the huge welcome bonus offer, the best-in-class 3x earning categories on travel (up to $150,000 across all bonus categories), the travel benefits, and the modest $95 annual fee, it’s easy to see why the Ink Business Preferred card is our favorite business credit card for Airbnb and Vrbo stays.

Amex Blue Business Plus Card (Best for Cash-back & No Annual Fee)

Terms Apply / Rates & Fees

The Blue Business^® Plus Credit Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Apply Now(at Amex's secure site)

The Blue Business^® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Welcome Offer

Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

15,000 points

UP's Bonus Valuation*:

$330

Annual Fee

No annual fee

APR

17.49% - 25.49% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-840)

Why We Like This Card

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business^® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros & Cons

Pros

• 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
• Purchase protection and extended warranty protection
• No annual fee and employee cards at no additional cost

Cons

• No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
• No elite travel benefits like lounge access or elite status

Read Full Review

Card Highlights

• Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
• You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• No Annual Fee
• Terms Apply.

Financial Snapshot

• APR: 17.49% - 25.49% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

American Express Membership Rewards

The Amex Blue Business Plus card is our runner-up choice for Airbnb and Vrbo stays. This superb credit card earns 2x Membership Rewards points on everyday business purchases, up to $50,000 spent every calendar year. Then, the card earns 1x thereafter.

This means that your first $50,000 in purchases every calendar year would earn 2x points, including Airbnb and Vrbo.

This card also offers no-additional-cost employee cards (rates & fees).

If you maxed out the $50,000 in bonus spending every year, you’d end up with 100,000 Amex points, worth around $2,200, according to our valuations. That’s equivalent to a 4.4% return on spend!

Ink Business Unlimited Card (Best for Earning Points & No Annual Fee )

Ink Business Unlimited^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Apply Now(at Chase's secure site)

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Welcome Offer

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

$750

UP's Bonus Valuation*:

$750

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter

Pros & Cons

Pros

• 1.5% cash-back on all purchases
• No annual fee
• 0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

• Chase Ultimate Rewards

The Ink Business Unlimited card offers superb benefits with $0 annual fee. With this card, you’ll earn 1.5% cash-back with no caps on every purchase made for your business.

In addition, this credit card offers a fantastic welcome bonus offer and 0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter.

If you have an Ultimate Rewards credit card, you can convert your 1.5% cash-back to 1.5x Ultimate Rewards points.

The card also has purchase protection, zero liability fraud protection, extended warranty coverage, unlimited employee cards with no additional fees, primary auto rental collision damage waiver when traveling for business, and more.

Capital One Spark Miles Card (Best for Earning Miles)

Capital One Spark Miles for Business

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every dollar you spend. (Information collected independently. Not reviewed by Capital One.)

Capital One Spark Miles for Business

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every dollar you spend. (Information collected independently. Not reviewed by Capital One.)

Welcome Offer

Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.

50,000 miles

UP's Bonus Valuation*:

$900

Annual Fee

$0 intro for the first year, $95 after that

APR

25.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.

 

Pros & Cons

Pros

• Unlimited 2x miles per dollar spent on all purchases
• 5x miles per dollar spent on hotels, vacation rentals, and rental cars purchased through Capital One Travel
• 2 complimentary visits to a Capital One Lounge per year

Cons

• Annual fee: $0 intro for the first year, $95 after that

Read Full Review

Card Highlights

• Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
• Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
• Unlimited 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
• Transfer your miles to 15+ travel loyalty programs
• Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• $0 intro annual fee for the first year; $95 after that
• Free employee cards which also earn unlimited 2X miles per dollar from their purchases

Financial Snapshot

• APR: 25.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

The Capital One Spark Miles card is a great business credit card that earns straightforward 2x Capital One miles with no cap for Airbnb and Vrbo stays, similar to the Capital One Venture cards above.

You’ll also earn 5x miles on hotel and rental car bookings through Capital One Travel (does not include Airbnb or Vrbo), and receive a Global Entry or TSA PreCheck application fee credit.

The Capital One Spark Miles card also has zero fraud liability, purchase security, extended warranty, roadside assistance, and no foreign transaction fees (rates & fees).

Capital One Spark Miles Select Card (Best for Earning Miles & No Annual Fee)

Capital One Spark Miles Select for Business

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

(Information collected independently. Not reviewed by Capital One.)

Capital One Spark Miles Select for Business

(Information collected independently. Not reviewed by Capital One.)

Welcome Offer

Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.

50,000 miles

UP's Bonus Valuation*:

$900

Annual Fee

$0

APR

18.49% - 24.49% Variable,

Why We Like This Card

The Capital One Spark Miles Select for Business is an excellent option for business owners looking for straightforward earning with no blackout dates, no seat restrictions, and no minimum when redeeming your miles.

Card Highlights

• Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.
• Get unlimited 1.5 miles on every purchase with your business credit card with no blackouts or seat restrictions, and no minimum to redeem.
• Earn 5X miles on hotel and rental car bookings through Capital One Travel.
• Use your miles on flights, hotels, vacation packages and more—you can even transfer miles to any of our 15+ travel partners.
• We’ve got you covered with zero fraud liability if your card is lost or stolen. Plus, get automatic fraud alerts via text, email or phone call.

Financial Snapshot

• APR: 18.49% - 24.49% Variable,
• Foreign Transaction Fees: 

Rewards Center

Capital One Miles

The Capital One Spark Miles Select card is the $0-annual-fee (rates & fees) variant of the Capital One Spark Miles card. Instead of earning 2x Capital One miles with no cap, you’ll earn 1.5x Capital One miles with no cap.

The welcome bonus offer is usually lower than the Capital One Spark Miles card. However, the card still offers zero fraud liability, transfer partnerships, roadside assistance, extended warranty, purchase security, and more.

Final Thoughts

There are plenty of credit cards out there. Finding the best credit card for Airbnb and Vrbo stays isn’t as easy as it looks.

There aren’t a lot of credit cards that offer bonus points for general travel, which Airbnb and Vrbo both fall under.

The best personal and business credit cards for these purposes belong to American Express and Chase, though Capital One and Citi offer decent options.

We hope you’ve found this detailed guide useful in determining the best credit cards for Airbnb rewards and Vrbo stays.

---

For Capital One products listed on this page, some of the benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Enrollment is required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

For the car rental loss and damage insurance benefit of the American Express^® Green Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.