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The 11 Best Credit Cards for Booking Airbnb or Vrbo Stays [2024]

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Booking an Airbnb or Vrbo stay? Both companies 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.

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The 11 Best Credit Cards for Booking Airbnb or Vrbo Stays

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 6 Best Personal Cards for Airbnb or Vrbo Stays

Card Summary

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Card

Welcome Bonus and Annual Fee

Benefits

Chase Sapphire Reserve®
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $550
  • 3x points on all travel, including Airbnb and Vrbo purchases
  • Up to $300 annual travel credit
  • Excellent car rental and travel insurance
American Express® Green Card
  • Earn 40,000 points after spending $3,000 within the first 6 months.
  • Annual fee of $150 

3x Membership Rewards points on all eligible travel purchases, including airfare, hotels, cruises, tours, car rentals, and more

Chase Sapphire Preferred® Card
  • Earn 60,000 points after you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $95
  • 2x points on travel, including Airbnb and Vrbo purchases
  • Rental car and travel insurance
Capital One Venture X Rewards Credit Card
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $395 (rates & fees)
  • 2x miles on all other eligible purchases, including travel
  • Cell phone, rental car, and travel insurance
Capital One Venture Rewards Credit Card
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $95 (rates & fees)

2x miles on all other eligible purchases, including travel

Citi Double Cash® Card
  • Earn $200 cash back after spending $1,500 in the first 6 months.
  • Annual fee of $0

2% cash-back on all eligible purchases (1% when you buy, another 1% when you pay)

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.

Learn More(at Chase's secure site)
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.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠
60,000 points
$1,200
$550
22.49%-29.49% Variable
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)

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
  • 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 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
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Member FDIC
Financial Snapshot
  • APR: 22.49%-29.49% 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 up to $300 travel credit (which can be used for Airbnb and Vrbo stays), and numerous other benefits.

This credit card comes with up to $100 Global Entry, TSA PreCheck, or NEXUS application fee credit, the ability to earn 10x points per dollar on Chase Dining purchases, 10x points on hotel and car rentals purchased through Ultimate Rewards, 10x points on Lyft purchases through March 2025 (plus 2 complimentary years of Lyft Pink All Access and a third year at 50% off when you activate by December 31, 2024), and a Priority Pass Select membership.

Also, you’ll enjoy a complimentary subscription to DoorDash DashPass (when activated by December 31, 2023) and car rental elite status benefits at Avis, National, and Audi on demand.

It doesn’t end there because 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 are huge fans of Chase Ultimate Rewards points because they can be used for various redemptions. This includes statement credits and cash-back, gift cards, merchandise, and booking travel through the Chase travel portal.

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

But our favorite way to redeem Chase Ultimate Rewards points is to transfer them to the 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.

This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.
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
$880
$150
See Pay Over Time APR
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)

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
  • 3x points per $1 spent at restaurants worldwide, on all eligible travel purchases, and transit purchases
  • Up to $189 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
  • 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.
  • $189 CLEAR Plus Credit: Receive up to $189 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 $189 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)

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.

Learn More(at Chase's secure site)
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
60,000 points
$1,200
$95
21.49%-28.49% Variable
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)

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
  • 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
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
Financial Snapshot
  • APR: 21.49%-28.49% 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 a good reason!

This card is one of the best “starter” rewards credit cards because of its incredible welcome bonus, access to Chase Ultimate Rewards partnerships, and of course, the ability to earn 5x points on travel purchased through Chase Ultimate Rewards, 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, 2023) 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 has primary rental car insurance, complimentary travel delay insurance, 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)

Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees
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.

Learn More(at Capital One's secure site)
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
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
$1,350
$395
19.99% - 29.99% (Variable)
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)

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
  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights 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
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
Financial Snapshot
  • APR: 19.99% - 29.99% (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 a annual credit of $300 for all bookings made through Capital One Travel.

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 flights purchased through Capital One Travel
  • 2x miles per $1 on all other purchases

Every account anniversary, holders of this card 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, primary rental car insurance, cell phone insurance, 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 that 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)

Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees
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!

Learn More(at Capital One's secure site)
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
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
$1,350
$95
19.99% - 29.99% (Variable)
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)

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
  • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • Global Entry or TSA PreCheck application fee credit
Cons
  • 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 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 $100 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
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
Financial Snapshot
  • APR: 19.99% - 29.99% (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. With the Capital One Venture card, you’ll earn unlimited 2x Capital One miles on your purchases with no caps!

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

This card also offers up to $100 Global Entry or TSA PreCheck application fee credit and solid travel protections, including secondary car rental insurance, travel accident insurance, lost luggage coverage, roadside dispatch, and more.

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

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!

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash back
$0
0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
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)

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
  • 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
  • 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 on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, 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 Limited Time 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 TravelSM portal on ThankYou.com or by calling 1-800-Thankyou and saying “Travel.” Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024.
Financial Snapshot
  • APR: 0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
  • Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase
Rewards Center

Citi ThankYou Rewards

The 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 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!

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.

Card Summary

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Card

Welcome Bonus Offer and Annual Fee

Benefits

Ink Business Preferred® Credit Card
  • Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months.
  • Annual fee of $95
  • 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
  • Excellent travel insurance
The Blue Business® Plus Credit Card from American Express
  • 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.
  • Annual fee of $0 (rates & fees)

Earn 2x Membership Rewards points on everyday purchases on the first $50,000 every calendar year, 1x after that

Ink Business Unlimited® Credit Card
  • Earn $750 cash back after spending $6,000 in the first 3 months.
  • Annual fee of $0
  • Unlimited 1.5% cash-back on every purchase made for your business
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Capital One Spark Miles for Business
  • Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months.
  • Annual fee of $0 intro for the first year, $95 after that 

Unlimited 2x miles per dollar on every purchase

Capital One Spark Miles Select for Business
  • Earn a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months from account opening.
  • Annual fee of $0

1.5x miles on all other purchases

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

100K-POINT OFFER
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.

Learn More(at Chase's secure site)
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.
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel
100,000 points
$2,000
$95
21.24%-26.24% Variable
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)

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
  • 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
  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase 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: 21.24%-26.24% 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.

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 rental car insurance, trip interruption and cancellation coverage, trip delay coverage, 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)

The Blue Business® Plus Credit Card from American ExpressTerms Apply / Rates & Fees
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.

Learn More(at Amex's secure site)
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
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
$330
No annual fee
18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
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)

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
  • 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
  • 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, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • Earn 2X Membership Rewards® 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.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • No Annual Fee
  • Terms Apply
Financial Snapshot
  • APR: 18.49% - 26.49% 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.

Learn More(at Chase's secure site)
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.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
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)

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 18.49% - 24.49% thereafter

Pros
  • 1.5% cash-back on all purchases
  • No annual fee
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Cons
    • 3% foreign transaction fee
  • 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 18.49% - 24.49% thereafter
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

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 18.49% - 24.49% 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 rental car coverage 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 $1 you spend. (Information collected independently. Not reviewed by Capital One.)

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
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
$900
$0 intro for the first year, $95 after that
26.24% (Variable)
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)

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
  • Unlimited 2x miles per $1 spent on all purchases
  • 5x miles per $1 spent on hotel 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
  • 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 on hotels 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
  • Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases
Financial Snapshot
  • APR: 26.24% (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 protection, extended warranty, no foreign transaction fees, and roadside assistance.

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.)

(Information collected independently. Not reviewed by Capital One.)
$0
0% Intro APR for the first 9 months after account opening,Ongoing APR: 18.24% - 28.24% Variable

 

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.

  • Earn a one-time bonus of 20,000 miles once you spend $3,000 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.
  • 0% intro APR for 9 months; 18.24% – 28.24% variable APR after that.
Financial Snapshot
  • APR: 0% Intro APR for the first 9 months after account opening,Ongoing APR: 18.24% - 28.24% Variable
  • Foreign Transaction Fees: 
Rewards Center

Capital One Miles

The Capital One Spark Miles Select card is the $0-annual-fee 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 protection, 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 to help you figure out the best credit cards for Airbnb rewards and Vrbo stays.

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

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.

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.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Spark Miles Select for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the American Express® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Citi Double Cash® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Citi Strata Premier℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

Is Airbnb considered travel for credit cards?

In general, yes. That means that if you find a card that offers bonus points on general travel, then you should be able to earn bonus points on Airbnb purchases.

Do you need a credit card for Airbnb?

No, you do not. However, using a credit card is a spectacular way to earn rewards on spending you’d make anyway!

Which credit card is best for Airbnb?

We love the Chase Sapphire Reserve card, the Chase Sapphire Preferred card, Amex Green card, Capital One Venture X card, Capital One Venture card, and Double Cash card for personal Airbnb purchases. If you’re booking an Airbnb for business, the best cards are the Ink Business Preferred card or the Amex Blue Business Plus card. Other cards are available, like the Ink Business Unlimited card, Capital One Spark Miles card, and Capital One Spark Miles Select card. Still, these generally don’t have excellent rewards like the Ink Business Preferred card would.

Can you use Chase points for Airbnb?

You can’t redeem Chase points for all Airbnb stays, but you might be able to do so at specific Airbnb properties that are listed on other websites and online travel agencies. You can also buy Airbnb gift cards at a value of 1 cent per point, but your points could be worth more with other redemptions.

Does Airbnb charge a foreign transaction fee?

Yes, Airbnb charges a 3% fee if the currency of your booking differs from your home currency. This is a currency conversion fee separate from a foreign transaction fee you might charge on your credit card. For example, if you’re based in the U.S. and stay in a property in France, you will pay a 3% conversion fee from U.S. dollars to euros. Unfortunately, there’s also no way around it — it’s entirely done on Airbnb’s end.

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About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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