The 13 Best Credit Cards for Booking Airbnb or Vrbo Stays [2026]

Booking an Airbnb or Vrbo stay? Both platforms offer vacation rentals as alternatives to hotel bookings. In addition to short-term rentals, you can also book experiences or long-term rentals.

You can earn credit card points whether you use Airbnb or Vrbo, but neither of these platforms falls under traditional hotel categories. Some cards specifically earn bonus points with vacation rentals, and others earn a flat rate or offer bonus rewards for travel purchases.

This guide covers the best credit cards for booking Airbnb or Vrbo stays, including cards that earn bonus points on eligible bookings.

Quick Overview of the Best Credit Cards for Airbnb and Vrbo Stays

Airbnb and Vrbo bookings can earn rewards differently depending on the card you use. Airbnb has neither a co-branded credit card nor a loyalty program. The Chase Sapphire Preferred^® Card ($95 annual fee) is the only major card with an explicit vacation rental bonus category, earning 3x points on stays booked directly with Airbnb and Vrbo.

The One Key+™ Card ($99 annual fee) is the strongest Vrbo-specific option, earning OneKeyCash that redeems at 1 cent apiece against future Vrbo bookings. The Capital One Venture X Rewards Credit Card ($395 annual fee) carries a $300 annual Capital One Travel credit that is valid on vacation rentals booked through Capital One Travel.

For cards that earn on both platforms, see the comparison table below.

The Best Credit Cards for Airbnb and Vrbo Stays Right Now

1. Chase Sapphire Preferred^® Card: Best for a first travel card; earns 3x points on Airbnb and Vrbo stays booked directly
2. Capital One Venture X Rewards Credit Card: Best premium all-in-one card; earns 2x miles on Airbnb and Vrbo bookings, plus a $300 Capital One Travel credit valid on vacation rentals
3. Capital One Venture Rewards Credit Card: Best for simple flat-rate miles; earns 2x miles on Airbnb and Vrbo bookings
4. Citi Double Cash^® Card: Best no-annual-fee cash-back option; earns 2% back on Airbnb and Vrbo bookings (1% back when you buy, 1% back when you pay)
5. One Key+™ Card: Best for frequent Vrbo bookers; earns 3% OneKeyCash on Vrbo, redeemable at 1 cent toward future Vrbo stays

Best Credit Cards for Airbnb and Vrbo Stays: Full Comparison

Is There an Airbnb or Vrbo Credit Card?

Airbnb has no co-branded credit card, no loyalty program, and no elite status. Unlike hotel chains, it does not partner with a bank to issue a card, so there is no way to earn Airbnb-branded rewards or work toward status tiers by booking stays.

Vrbo is different. Its closest equivalent to a co-branded card is the One Key program and the 2 cards tied to it, the One Key+ card and the One Key card. One Key spans Expedia, Hotels.com, and Vrbo, and both cards earn 3% OneKeyCash on eligible bookings across those 3 brands (Source: Vrbo).

OneKeyCash redeems at 1 cent toward future Vrbo stays, which makes the program most useful for travelers who book vacation rentals regularly. See the comparison table above for cards that earn on both Airbnb and Vrbo rather than only within the Expedia Group ecosystem.

How Airbnb and Vrbo Bookings Are Coded

How a card treats an Airbnb or Vrbo charge determines whether you earn a bonus. Coding varies by issuer and can differ between the 2 platforms.

• Airbnb and Vrbo are not coded as hotels, so hotel bonus categories usually do not apply.
• A few cards treat vacation rentals as a bonus category. The Chase Sapphire Preferred card earns 3x on stays booked directly with Airbnb and Vrbo, and the Wells Fargo Autograph Journey includes vacation rentals in their travel category.
• Most other travel cards pay their general travel rate, and cards without a travel category pay the base rate.
• Bookings made through a portal such as Capital One Travel can earn a higher rate than booking directly.

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

With no vacation rental category on most cards, the goal is to earn the highest rate the card offers on these bookings. Start with any card that offers a clear vacation-rental or general-travel bonus, since that is the highest rate available on Airbnb and Vrbo.

The definition of travel varies by bank, so confirm how each issuer defines it before assuming a booking will earn a bonus. Once travel categories are exhausted, the next best option is a strong flat-rate card that pays the same rate on every purchase. After earning rates, weigh travel benefits that fit your trips, such as trip protections, rental car coverage, and application fee credits for Global Entry or TSA PreCheck.

Best Personal Cards for Airbnb or Vrbo Stays

Book your leisure Airbnb and Vrbo stays using these top cards.

1. Chase Sapphire Preferred Card

BEST FIRST TRAVEL CARD

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

75,000 points

UP's Offer Valuation*:

$1,500

Annual Fee

$95

APR

19.24% - 27.49% 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 card application.

Good to Excellent

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, gas, EV charging, vacation homes, 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 and emergency evacuation. 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
• 3x points on dining purchases, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation homes (such as Airbnb and Vrbo), and select streaming services
• 2x points on all other travel worldwide

Cons

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

Read Full Review

Card Highlights

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
• Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more
• Get a year of complimentary Apple TV when activated by December 31, 2026 – a value of $156.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck^® or NEXUS application.
• Transfer points to leading airline and hotel loyalty programs
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Preferred card earns 3x points on vacation homes booked directly with Airbnb and Vrbo, the only specific vacation rental bonus category among major cards (Source: Chase). It also earns 5x points on travel booked through Chase Travel, 3x on dining and online groceries, and 2x on all other travel. The card carries a $95 annual fee and a good welcome offer, and points transfer to Chase Ultimate Rewards‘ airline and hotel partners. A $100 Chase Travel hotel credit each account anniversary and trip protections round out the travel benefits.

2. Capital One Venture X Card

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 ins and outs 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.

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 Offer Valuation*:

$1,350

Annual Fee

$395

APR

Purchases: 19.49% - 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 card application.

Excellent

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
• 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 access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
• 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^®
• Top rated mobile app

Financial Snapshot

• APR: Purchases: 19.49% - 28.49% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

The Capital One Venture X card earns 2x miles on Airbnb and Vrbo bookings, since it earns 2x miles on all purchases, and 5x miles on vacation rentals booked through Capital One Travel. It includes a $300 annual Capital One Travel credit valid on vacation rentals booked through Capital One Travel, plus 10,000 bonus miles each account anniversary. The card has a $395 annual fee, and Capital One miles transfer to airline and hotel partners. Cardholders also get lounge access and a Global Entry or TSA PreCheck credit.

3. Capital One Venture Card

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 ins and outs 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!

Capital One Venture Rewards Credit Card

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

Welcome Offer

Earn 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 Offer Valuation*:

$1,350

Annual Fee

$95

APR

Purchases: 19.49% - 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 card application.

Good to Excellent Credit

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

• Earn 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
• 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
• Top rated mobile app

Financial Snapshot

• APR: Purchases: 19.49% - 28.49% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

The Capital One Venture card earns 2x miles on Airbnb and Vrbo bookings and 5x miles on vacation rentals booked through Capital One Travel. It has a $95 annual fee, and Capital One miles from this card transfer to the same airline and hotel partners as the Capital One Venture X card. The card also includes up to a $120 Global Entry or TSA PreCheck credit and standard travel protections.

4. Citi Double Cash Card

Terms Apply / Rates & Fees

Citi Double Cash^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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!

Apply Now(at our partner's secure site)

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 you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.

$200 cash back

Annual Fee

$0

APR

17.49% to 27.49% 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 card application.

Good to Excellent

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

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% – 27.49%, 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).

Financial Snapshot

• APR: 17.49% to 27.49% Variable
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Rewards Center

Citi ThankYou Rewards

The Citi Double Cash card earns 2% cash-back on Airbnb and Vrbo bookings with no caps: 1% when you buy and 1% when you pay it off, earned as ThankYou Points. It has a $0 annual fee.

Paired with the Citi Strata Premier^® Card or Citi Strata Elite℠ Card, the ThankYou Points can transfer to Citi’s airline and hotel partners at better ratios. Rewards can also be redeemed for statement credits, direct deposit, gift cards, or travel.

5. One Key+ Card

One Key+™

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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+™

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

Welcome Offer

Earn $350 in OneKeyCash after you spend $3,000 on purchases in the first 3 months.

$350

Annual Fee

$99

APR

18.49%, 23.49%, or 28.49% 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 $350 in OneKeyCash 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: 18.49%, 23.49%, or 28.49% variable
• Foreign Transaction Fees: 

The One Key+ card earns 3% OneKeyCash on Vrbo, Expedia, and Hotels.com with no caps, plus 3% at gas stations, grocery stores, and on dining, and 2% on all other purchases. OneKeyCash cannot be transferred to airline or hotel programs, but it redeems at a fixed 1 cent for future Vrbo bookings, which matters at vacation rental price points (Source: Vrbo). The card has a $99 annual fee and $100 in OneKeyCash each 12-month period, plus automatic Gold status in the One Key program.

6. One Key Card

One Key™ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 $250 in OneKeyCash after you spend $1,000 on purchases in the first 3 months.

$250

Annual Fee

$0

APR

18.49%, 23.49%, or 28.49% 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
• 4% 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 $250 in OneKeyCash 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: 18.49%, 23.49%, or 28.49% variable
• Foreign Transaction Fees: 

The One Key card earns the same 3% OneKeyCash on Vrbo, Expedia, and Hotels.com with no caps, and 1.5% on all other purchases. It has no annual fee. Unlike the One Key+ card, it has no anniversary OneKeyCash bonus but keeps the same Vrbo earning rate.

7. Wells Fargo Autograph Journey Card

Wells Fargo Autograph Journey℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 powerful point earning card with access to transfer partners.

Wells Fargo Autograph Journey℠ Card

A powerful point earning card with access to transfer partners.

Welcome Offer

Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

60,000 points

UP's Offer Valuation*:

$900

Annual Fee

$95

APR

19.49%, 25.49%, or 28.49% Variable 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 card application.

Good to Excellent (670-850)

Why We Like This Card

The Wells Fargo Autograph Journey^SM Card is an excellent option for those looking for a great all-around travel rewards card that offers bonus categories on hotels, airfare, travel, and dining, giving you the opportunity to earn points on these purchases quickly.

Plus the card offers flexible redemption options including access to transfer partners, an annual statement credit with airfare purchase, and no foreign transaction fees.

Pros & Cons

Pros

• Earn 5x points on hotels
• Earn 4x points on airfare
• Earn 3x points on other travel and restaurants; 1x on other purchases

Cons

• $95 annual fee
• List of transfer partners is smaller than competing programs

Read Full Review

Card Highlights

• Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
• Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
• $95 Annual Fee.
• Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
• Earn a $50 annual statement credit with $50 minimum airline purchase.
• Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.

Financial Snapshot

• APR: 19.49%, 25.49%, or 28.49% Variable APR
• Foreign Transaction Fees: None

The Wells Fargo Autograph Journey card earns 3x points on vacation rentals booked with Airbnb and Vrbo as part of its 3x travel category, along with 5x on hotels, 4x on airlines, and 3x at restaurants. It has a $95 annual fee, and Wells Fargo Rewards transfer to airline and hotel partners mostly at 1:1. Cardholders also receive a $50 annual statement credit with a minimum $50 airline purchase.

8. Wells Fargo Autograph Card

Wells Fargo Autograph℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.

Welcome Offer

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

20,000 points

Annual Fee

$0

APR

0% intro APR for 12 months from account opening on purchases, 18.49%, 24.49% or 28.49% variable APR 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 card application.

Good to Excellent (670-850)

Why We Like This Card

The Wells Fargo Autograph℠ Card is an excellent no annual fee card that offers 3x points on 6 different bonus categories. Choose from multiple options when you’re ready to redeem your rewards, and take advantage of great perks including cell phone protection, auto rental collision damage waiver, and no foreign transaction fees.

Pros & Cons

Pros

• 3x points per $1 spent on restaurants, travel, gas stations, transit, popular streaming services, and phone plans
• 1x points per $1 spent on other purchases
• No annual fee

Cons

• Doesn’t offer many travel protections

Read Full Review

Card Highlights

• Select “Learn More” 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. 18.49%, 24.49% or 28.49% 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.

Financial Snapshot

• APR: 0% intro APR for 12 months from account opening on purchases, 18.49%, 24.49% or 28.49% variable APR thereafter
• Foreign Transaction Fees: None

The Wells Fargo Autograph card earns 3x points on travel, including vacation rentals booked with Airbnb and Vrbo, plus 3x on restaurants, gas stations, transit, streaming, and phone plans (Source: Wells Fargo). It has no annual fee, and the card also offers cell phone protection.

Hot Tip:

The Amex Green card earns 3x points on travel, including vacation home rentals booked with Airbnb and Vrbo, and 3x on transit. However, this card is closed to new applicants.

*The information regarding the American Express Green Card^® was independently collected by Upgraded Points and neither provided nor reviewed by the issuer.

5 Best Business Cards for Airbnb or Vrbo Stays

If you’re traveling for business, use a business credit card that keeps your personal and business expenses separate.

9. Ink Business Preferred Card

NEW OFFER

Terms Apply / Rates & Fees

Ink Business Preferred^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$95

APR

17.74% - 26.74% 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 card application.

Good to Excellent

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 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
• 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
• Earn 5x total points on Lyft rides through 9/30/27.
• 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
• Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Receive complimentary access to DashPass by DoorDash.
• Member FDIC

Financial Snapshot

• APR: 17.74% - 26.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

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

The Ink Business Preferred card earns 3x points on travel, including Airbnb and Vrbo bookings, on up to $150,000 in combined bonus-category spending each cardmember year (categories also include shipping; internet, cable, phone; and social media and search advertising). It has a $95 annual fee and a 100,000-point welcome offer, and points transfer to Chase Ultimate Rewards partners. The card also includes cell phone insurance and a primary rental car collision damage waiver on business trips.

10. Amex Blue Business Plus Card

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 ins and outs 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 Offer Valuation*:

Up to $330

Annual Fee

No annual fee

APR

16.74% - 28.49% 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 card application.

Good to Excellent

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, 16.74% - 28.49%, 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 above 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: 16.74% - 28.49% 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 earns 2x Membership Rewards points on Airbnb and Vrbo bookings as part of 2x on all purchases up to $50,000 per calendar year, then 1x. It has a $0 annual fee and a nice welcome offer. Employee cards are available at no additional cost (rates & fees).

11. Ink Business Unlimited Card

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Ink Business Unlimited^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.

$750 $1,000

UP's Offer Valuation*:

$1,000

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; variable 16.74% - 24.74% 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 card application.

Good to Excellent

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 16.74% - 24.74% thereafter.

Pros & Cons

Pros

• 1.5% cash-back on all purchases
• No annual fee
• 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Earn $750 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 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
• Earn 5% total cash back on Lyft rides through 9/30/27.
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

• Chase Ultimate Rewards

The Ink Business Unlimited card earns 1.5% cash-back on Airbnb and Vrbo bookings as part of its 1.5% earning rate on every purchase with no caps. It has a $0 annual fee, and the cash-back converts to 1.5x Chase Ultimate Rewards points if you hold an Ultimate Rewards-earning card. It also offers a 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.

12. Capital One Venture Business Card

Capital One Venture Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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.

Capital One Venture Business Card

Welcome Offer

Earn 100,000 Miles once you spend $10,000 on purchases within the first 3 months from account opening.

100,000 miles

UP's Offer Valuation*:

Up to $1,800

Annual Fee

$95

APR

24.49%

Why We Like This Card

The Capital One Venture Business card is a great fit for business owners looking for a well-rounded travel rewards card that offers an uncomplicated earn structure, a handful of useful benefits, and a reasonable annual fee.

Pros & Cons

Pros

• Earn 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel
• Earn 2x miles on all other purchases
• $50 annual travel credit for bookings through Capital One Business Travel

Cons

• Charges a $95 annual fee
• Limited travel protections

Read Full Review

Card Highlights

• Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 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
• Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck^® every four years. Terms and conditions apply
• Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business 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
• $95 annual fee
• Free employee cards which also earn unlimited 2X miles from their purchases
• Top rated mobile app

Financial Snapshot

• APR: 24.49%
• Foreign Transaction Fees: 

The Capital One Venture Business card earns 2x miles on Airbnb and Vrbo bookings and 5x miles on vacation rentals booked through Capital One Business Travel. It has a $95 annual fee and offers a $50 annual Capital One Business Travel credit plus no foreign transaction fees.

13. Capital One VentureOne Business Card

Capital One VentureOne Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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.

Capital One VentureOne Business Card

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 Offer Valuation*:

Up to $900

Annual Fee

$0

Pros & Cons

Pros

• 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
• 1.5x miles on all other purchases
• $0 annual fee

Cons

• Doesn’t offer business bonus categories
• Not as rewarding as other business cards that earn 2x points or 2% back

Read Full Review

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.
• 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
• 1.5x miles on all other purchases
• $0 annual fee
• Hertz Gold Plus Rewards Five Star status
• No foreign transaction fees
• Rental car insurance

Financial Snapshot

• Foreign Transaction Fees: $0

The Capital One VentureOne Business card is the $0-annual-fee version of the Capital One Venture Business card above, earning 1.5x miles on Airbnb and Vrbo bookings and 5x miles on vacation rentals booked through Capital One Business Travel. It still includes rental car insurance and no foreign transaction fees.

How We Selected the Best Credit Cards for Airbnb and Vrbo Stays

Upgraded Points evaluated each card on how it earns on Airbnb and Vrbo bookings, its annual fee and welcome offer, and the travel benefits most relevant to booking a stay. Each card was scored using our rating methodology, which weighs earning rates, redemption value, benefits, and fees.

Final Thoughts

The best card for a vacation rental depends on the platform: The Chase Sapphire Preferred card earns 3x on Airbnb and Vrbo stays booked directly, and the One Key+ and One Key cards earn 3% on Vrbo through OneKeyCash. Vrbo has a card ecosystem built around the One Key program. Airbnb has none, so Airbnb bookings come down to finding the best general-travel or flat-rate card. The comparison table above lays out the earning rates for both platforms side by side.