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

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Stephen Au's image
Lori Zaino,Stephen Au
Updated: 
Edited by: Michael Y. Park
& Stella Shon
The 13 Best Credit Cards for Booking Airbnb or Vrbo Stays [2026]
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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.

Whether you use Airbnb or Vrbo, you’ll want to make every dollar count. But since neither of these platforms falls 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 where you can earn bonus points.

Card Summary

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Card

Welcome Offer and Annual Fee

Earning Rates

Chase Sapphire Reserve®

  • 100,000 pointsChase Sapphire Reserve®Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
  • Annual fee of $795
 1x-10x pointsChase Sapphire Reserve®
  • 10x points on eligible Peloton equipment and accessory purchases
  • 8x points on all Chase Travel purchases
  • 5x points on Lyft rides
  • 4x points on flights and hotels booked directly
  • 3x points on all dining purchases worldwide
  • 1x points per $1 spent on all other purchases

American Express Green Card®*

  • 40,000 pointsAmerican Express Green Card®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.
  • Annual fee of $150 
 1x-3x pointsAmerican Express Green Card®
  • 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.
  • Earn 1X Membership Rewards® point for each dollar of eligible purchases charged on the American Express Green Card®.
  • Terms Apply

Chase Sapphire Preferred® Card

  • LIMITED-TIME OFFER75,000 100,000 pointsChase Sapphire Preferred® CardEarn 75,000 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • Annual fee of $95
 1x-5x pointsChase Sapphire Preferred® Card
  • Earn 5x points on travel purchased through Chase Travel
  • Earn 3x points on dining
  • Earn 3x points on select streaming services and online groceries
  • Earn 3x points on gas and EV charging
  • Earn 3x points on vacation homes, such as Airbnb and Vrbo
  • Earn 2x points on all other travel purchases
  • Earn 1x points on all other purchases

Capital One Venture X Rewards Credit Card 

  • 75,000 milesCapital One Venture X Rewards Credit CardEarn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
  • Annual fee of $395
2x-10x milesCapital One Venture X Rewards Credit Card
  • 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

Capital One Venture Rewards Credit Card 

  • 75,000 milesCapital One Venture Rewards Credit CardEarn 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.
  • Annual fee of $95
 2x-5x milesCapital One Venture Rewards Credit Card
  • Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Earn unlimited 2X miles on every purchase, every day

Citi Double Cash® Card

  • $200 cash backCiti Double Cash® CardEarn $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.
  • Annual fee of $0
 2%-5% cash backCiti Double Cash® Card
  • Earn 2% cash back on purchases: 1% when you buy and 1% as you pay with no categories, caps, or annual fee.
  • Earn 5% total cash back on hotel, car rentals, and attractions when booked with Citi Travel.

One Key+™ Card

  • $350One Key+™Earn $350 in OneKeyCash after you spend $3,000 on purchases in the first 3 months.
  • Annual fee of $99
 2%-9% cash-backOne Key+™
  • Earn up to 9% in OneKeyCash on Expedia and Hotels.com.
  • Earn 5% in OneKeyCash on Vrbo properties in the U.S.
  • Earn 3% in OneKeyCash at gas stations, grocery stores, and dining.
  • Earn 2% in OneKeyCash on other purchases.

One Key™ Card

  • $250One Key™ CardEarn $250 in OneKeyCash after you spend $1,000 on purchases in the first 3 months.
  • $0 annual fee
 1.5%-9% cash-backOne Key™ Card
  • Earn up to 9% in OneKeyCash on Expedia and Hotels.com.
  • Earn 4% in OneKeyCash on Vrbo properties in the U.S.
  • Earn 3% in OneKeyCash at gas stations, grocery stores, and dining.
  • Earn 1.5% in OneKeyCash on other purchases./li>

Ink Business Preferred® Credit Card

  • NEW OFFER100,000 pointsInk Business Preferred® Credit CardEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
  • Annual fee of $95
 1x-3x pointsInk Business Preferred® Credit Card
  • Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.
  • Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.

The Blue Business® Plus Credit Card from American Express

  • 15,000 pointsThe Blue Business® Plus Credit Card from American ExpressEarn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
1x-2x pointsThe Blue Business® Plus Credit Card from American Express
  • 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.
  • Earn 1X Membership Rewards® point on other purchases.
  • Terms Apply.

Ink Business Unlimited® Credit Card

  • 75,000 AviosAer Lingus Visa Signature® CardEarn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
  • Annual fee of $0
 1x-3x pointsAer Lingus Visa Signature® Card
  • Earn 3 Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL.
  • Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
  • Earn 1 Avios per $1 spent on all other purchases

Capital One Venture Business CardInformation collected independently. Not reviewed by Capital One.

  • 100,000 milesCapital One Venture Business CardEarn 100,000 Miles once you spend $10,000 on purchases within the first 3 months from account opening.
  • Annual fee of $95
 2x-5x milesCapital One Venture Business Card
  • 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel
  • 2x miles on every purchase

Capital One VentureOne Business CardInformation collected independently. Not reviewed by Capital One.

  • 50,000 milesCapital One VentureOne Business CardEarn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.
  • Annual fee of $0
 1.5x-5x milesCapital One VentureOne Business Card
  • 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel
  • 1.5x miles on all other purchases

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

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

Vacation rentals and experiences booked on platforms such as Airbnb and Vrbo aren’t coded as hotels by credit card companies, so vacation rental stays don’t usually get those additional hotel bonus points.

When looking for the best credit card for vacation rentals, find one that offers the highest rewards on general travel purchases. However, know that 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 nonbonus spending. Or you might find a card that specifically offers bonus points for vacation rental bookings.

After reviewing rewards accrual structures, 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 and then move on to the best business credit cards for Airbnb or Vrbo stays.

Best Personal Cards for Airbnb or Vrbo Stays

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

1. Chase Sapphire Reserve Card

Chase Sapphire Reserve®Terms Apply / Rates & Fees
Chase Sapphire Reserve®

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

Apply Now(at Chase's secure site)
Chase Sapphire Reserve®
A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
100,000 points
$2,000
$795
19.49% - 27.99% 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 card application.
Excellent
Why We Like This Card

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

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

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons
Pros
  • 8x points on all Chase Travel purchases
  • 5x points on Lyft rides
  • 4x points on flights and hotels booked directly
Cons
    • $795 annual fee
Read Full Review
Card Highlights
  • Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
  • Get $3,000 in annual value with Sapphire Reserve.
  • Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
  • Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
  • Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
  • Member FDIC
Financial Snapshot
  • APR: 19.49% - 27.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

One of the best personal credit cards to use for Airbnb or Vrbo stays is the Chase Sapphire Reserve card. The biggest reason this card is the best choice for Airbnb or Vrbo is its generous $300 travel credit (which can be used for Airbnb and Vrbo stays), hefty welcome offer bonus, and numerous other benefits.

This credit card comes with an up to $120 Global Entry, TSA PreCheck, or NEXUS application fee credit, the ability to earn 8x points on all purchases through Chase Travel, 5x points on Lyft purchases and a $10 monthly in-app credit through September 30, 2027, and a Priority Pass Select membership.

Also, you get a complimentary subscription to DoorDash DashPass (when activated by December 31, 2027), up to $300 in dining credits each year, up to $300 in StubHub and viagogo credits annually, and car rental elite status benefits at Avis and National.

The card has the best travel protections offered by a single credit card, consisting of primary automobile 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.

Other card benefits include roadside assistance, purchase protection, return protection, and extended warranty coverage.

Why We Like Earning Chase Ultimate Rewards Points

Chase Ultimate Rewards points are valuable because they can be redeemed for a variety of rewards. These include statement credits and cash-back, gift cards, merchandise, and booking travel through Chase Travel. You also receive increased value for travel booked through Chase Travel, with up to 2 cents per point on certain flights and hotels via Points Boost.

But our favorite way to redeem Chase Ultimate Rewards points is to transfer them to Chase airline and hotel partners for business or first class flights and luxury hotel stays. Transferring points to travel partners is one of the reasons Chase Ultimate Reward points are the most lucrative, worth around 2 cents per point or even more, according to our estimates.

2. Amex Green Card

American Express Green Card®
American Express Green Card®

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

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

Apply With Confidence

Know if you're approved with no credit score impact

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

American Express Green Card®
This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.
Earn 40,000 Membership Rewards® points after you spend $3,000 in eligible purchases on your American Express Green Card® within the first 6 months of Card Membership.
40,000 points
Up to $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 card application.
Good to Excellent (670-850)
Why We Like This Card

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

Pros & Cons
Pros
  • 3x points per $1 spent at restaurants worldwide, on all eligible travel purchases, and transit purchases
  • Up to $219 per calendar year in statement credits after you pay for a CLEAR+ membership with the Card.
  • Access to American Express transfer partners
Cons
  • $150 annual fee
  • No elite benefits like airport lounge access or hotel elite status
Read Full Review
Card Highlights
  • Earn 40,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on your American Express Green Card® within the first 6 months of Card Membership.
  • Earn 3X Membership Rewards® points on travel, including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals.
  • Earn 3X Membership Rewards® Points on transit purchases, including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
  • Earn 3X Membership Rewards® points on eligible purchases at restaurants worldwide, including takeout and delivery in the US.
  • $219 CLEAR+ Credit: Receive up to $219 per calendar year in statement credits when you pay for your CLEAR+ membership (subject to auto-renewal) with the American Express Green Card®.
  • 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 high rewards, unique travel perks, and more.

The card offers a solid introductory welcome offer to start your points accrual. It also earns 3x Membership Rewards points at restaurants worldwide, on transit, and on all eligible travel purchases (including purchases on Vrbo or Airbnb).

The Amex Green card is the only card from American Express that offers bonus points on travel as a broad category, including airfare, hotels, cruises, tours, car rentals, and vacation rentals like Airbnb and Vrbo. It also offers up to $219 in statement credits per year towards a CLEAR+ membership.

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

Why We Like Earning Amex Membership Rewards Points

The points you earn on the Amex Green card are Amex Membership Rewards points. These transferable points are highly valuable 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, as you’d get the highest value from your points this way.

3. Chase Sapphire Preferred Card

LIMITED-TIME OFFER
Chase Sapphire Preferred® CardTerms Apply / Rates & Fees
Chase Sapphire Preferred® Card

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.
Earn 75,000 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
75,000 100,000 points
$2,000
$95
19.24% - 27.49% 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 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 100,000 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 Travel℠, 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, Lost Luggage Insurance 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 a min. of one year 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 is one of the best cards for booking Airbnb and Vrbo stays because it explicitly offers 3x points on these purchases.

It also comes with a high welcome offer bonus; access to Chase Ultimate Rewards partnerships; the ability to earn 5x points on purchases through Chase Travel, eligible Peloton equipment and accessory purchases over $150 through December 31, 2027, and Lyft rides through September 30, 2027; 3x points on dining, online grocery purchases (excluding Target, Walmart and wholesale clubs), streaming services, gas, and EV charging; and 2x points on all other travel purchases.

The Chase Sapphire Preferred card offers perks such as a complimentary DoorDash DashPass subscription (when activated by December 31, 2027); up to $10 off a month on groceries, daily essentials, and more on DoorDash; a $100 Chase Travel hotel credit every account anniversary; a $120 Global Entry, TSA PreCheck, or NEXUS credit every 4 years; and a complimentary, 1-year Apple TV subscription when activated by December 31, 2026.

The Chase Sapphire Preferred card comes with a automobile rental collision damage waiver, trip delay reimbursement, trip cancellation and interruption insurance, emergency evacuation and transportation coverage, baggage delay insurance, travel accident insurance, roadside dispatch, and travel and emergency assistance.

4. Capital One Venture X Card

Capital One Venture X Rewards 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.

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.
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
Purchases: 19.49% - 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 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 is Capital One’s ultrapremium credit card. It can earn 2x miles on Airbnb and Vrbo bookings, as this card earns 2x miles on all eligible purchases.

In addition, there’s an annual $300 credit for bookings made through Capital One Travel (the credit is also valid for vacation rentals booked via Capital One Travel).

Here is the earning structure on this card:

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

The Capital One Venture X card offers access to participating Priority Pass lounges after enrollment, access to Capital One Lounge and Landing locations, a Global Entry or TSA PreCheck application fee credit, Hertz Gold Plus Rewards President’s Circle status, travel insurance and protections, automobile rental collision damage waiver, cell phone protection, extended warranty, and no foreign transaction fees. And on every account anniversary, cardholders get 10,000 bonus Capital One miles.

Why We Like Earning Capital One Miles

Capital One miles are one of the top major transferable currencies because you can transfer your Capital One miles to airline and hotel partners.

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

5. Capital One Venture Card

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card

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!
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
$1,350
$95
Purchases: 19.49% - 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 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
  • 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 is one of our favorite credit cards for simple transferable rewards.

The card earns:

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

You don’t have to worry about remembering a lot of bonus categories, and Airbnb and Vrbo stays count at the 2x rate.

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

Plus, you get cardholder benefits like purchase assurance, extended warranty coverage, and zero fraud liability for unauthorized charges.

6. Double Cash Card

Citi Double Cash® CardTerms Apply / Rates & Fees
Citi Double Cash® Card

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!
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
$0
17.49% to 27.49% 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 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 Double Cash card is one of our favorite cash-back cards because it earns 2% cash-back. You earn 1% when you purchase and 1% when you pay it off (earned as ThankYou Points), with no caps.

That means you can potentially earn 2% cash-back on your Airbnb and Vrbo stays 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 other retailers. Other benefits include zero liability for unauthorized purchases and fraud protection.

Why We Like Earning Citi ThankYou Points

Earning 2% with a $0 annual fee on Airbnb or Vrbo is lucrative.

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 at better transfer ratios, redeeming them for flights such as the luxurious Singapore Airlines first class or Delta One Suites.

7. One Key+ Card

One Key+™
One Key+™

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

One Key+™
Extra perks and OneKeyCash on Expedia, Hotels.com, and Vrbo.
Earn $350 in OneKeyCash after you spend $3,000 on purchases in the first 3 months.
$350
$99
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 helps you supercharge rewards on vacation rentals, especially for Vrbo bookings. You earn 3% OneKeyCash on Expedia, Hotels.com, and Vrbo with no caps, 3% in OneKeyCash at gas stations, grocery stores, and on dining, and 2% in OneKeyCash on other purchases.

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

The card offers $100 in OneKeyCash every 12-month period of holding it, helping justify the $99 annual fee beyond the other perks. You also get automatic Gold status in the One Key loyalty program, which can get you 20% or more in discounts on over 10,000 hotels worldwide.

Why We Like Earning OneKeyCash

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

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

8. One Key Card

One Key™ Card
One Key™ Card

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.
Earn $250 in OneKeyCash after you spend $1,000 on purchases in the first 3 months.
$250
$0
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 is an easy option for a $0 annual fee. As with the One Key+ card, you still earn 3% OneKeyCash on Expedia, Hotels.com, and Vrbo with no caps.

However, the key difference is that you earn 1.5% OneKeyCash on all other eligible purchases, compared to the higher 2% rate on the OneKey+ card. This card doesn’t offer a OneKeyCash anniversary bonus or any other additional perks, but the everyday rewards are still generous.

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. So in this next section, we’ll show you our favorite business credit cards for Airbnb or Vrbo stays.

9. Ink Business Preferred Card

NEW OFFER
Ink Business Preferred® Credit CardTerms Apply / Rates & Fees
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.

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.
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
100,000 points
$2,000
$95
17.74% - 26.74% 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 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.

This card offers a massive welcome offer bonus worth around $2,000. You also earn 3 Ultimate Rewards points per $1 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

The Ink Business Preferred card also offers cell phone insurance, primary automobile rental collision damage waiver, trip interruption and cancellation coverage, trip delay reimbursement, purchase protection, extended warranty, and no foreign transaction fees. You can also add employee cards for $0 additional fee.

Hot Tip:

With its huge welcome offer, best-in-class 3x earning categories on travel (up to $150,000 across all bonus categories), travel benefits, and 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.

10. Amex Blue Business Plus Card

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

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.
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 to $330
No annual fee
16.74% - 28.49% 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 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 is our runner-up business card for Airbnb and Vrbo stays. This superb credit card earns 2x Membership Rewards points on everyday business purchases on up to $50,000 spent every calendar year. Then the card earns 1x afterward.

This means that your first $50,000 in purchases every calendar year earns 2x points, including Airbnb and Vrbo. The card also offers employee cards (rates & fees) at no additional cost.

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 — equivalent to a 4.4% return on spending.

11. Ink Business Unlimited Card

LIMITED TIME OFFER
Ink Business Unlimited® Credit CardTerms Apply / Rates & Fees
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.

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.
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
$1,000
$0
0% intro APR on purchases for 12 months; variable 16.74% - 24.74% 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 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

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

In addition, this credit card has a large welcome offer and 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.. And 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 offers purchase protection, zero-liability fraud protection, extended warranty coverage, employee cards with $0 additional fees, a primary automobile rental collision damage waiver when you travel for business, and more.

12. Capital One Venture Business Card

Capital One Venture Business Card
Capital One Venture Business Card

Capital One Venture Business Card
Earn 100,000 Miles once you spend $10,000 on purchases within the first 3 months from account opening.
100,000 miles
Up to $1,800
$95
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 Business card is a business credit card that earns 2x miles on all purchases and 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel. Plus, you can put the $50 annual travel credit for bookings through Capital One Business Travel to good use to get a discount on a business-related stay at an Airbnb or Vrbo property.

The business card comes with additional perks, such as up to $50 in statement credits each year for qualifying advertising and software merchants and a statement credit of up to $120, valid for Global Entry or TSA PreCheck every 4 years. It also has no foreign transaction fees and no-additional-fee employee cards.

13. Capital One VentureOne Business Card

Capital One VentureOne Business Card
Capital One VentureOne Business Card

Capital One VentureOne Business Card
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 to $900
$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 no-annual-fee variant of the Capital One Venture Business card. Instead of earning 2x Capital One miles on all purchases, you earn 1.5x Capital One miles on all purchases, except for hotels, vacation rentals, and rental cars booked through Capital One Business Travel, where you earn 5x miles.

The welcome offer is usually lower than that of the Capital One Venture Business card. However, the card still offers Hertz Gold Plus Rewards Five Star status, rental car insurance, and no foreign transaction fees, which is a lot for a card with no annual fee.

Final Thoughts

There are plenty of credit cards out there, but finding the best credit card for Airbnb and Vrbo stays isn’t as easy as it looks. There aren’t many credit cards that offer bonus points for general travel, which Airbnb and Vrbo both fall under instead of the hotel category. However, the Chase Sapphire Preferred card specifically offers bonus earnings for Airbnb and Vrbo, and you can get bonus points for travel purchases that include them on cards such as the Amex Green card.

Featured Image Credit: Upgraded Points LLC

Frequently Asked Questions

Is Airbnb considered travel for credit cards?

Yes, Airbnb and Vrbo are generally coded as travel on credit cards. 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.

Which credit card is best for Airbnb?

For Airbnb or Vrbo purchases, we suggest using the Chase Sapphire Reserve card, the Chase Sapphire Preferred card, the Amex Green card, the Capital One Venture X card, the Capital One Venture card, or the Double Cash card for personal Airbnb purchases. If you’re booking an Airbnb for business, the best cards are the Ink Business Preferred card and the Amex Blue Business Plus card. Other cards include the Ink Business Unlimited card, Capital One Venture Business card, and Capital One VentureOne Business card.

If you’re booking a Vrbo, you can’t beat the earning rates on the One Key+ card or the One Key card.

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 be charged on your credit card. For example, if you’re based in the U.S. and stay in a property in France, you’d pay a 3% conversion fee from U.S. dollars to euros. Unfortunately, there’s no way around it — it’s entirely handled on Airbnb’s end.

Lori Zaino's image

About Lori Zaino

Lori is an intrepid traveler who loves creating itineraries that exude “luxe on a budget.” She’s written for CNN, NBC, The Infatuation, and Forbes and has taken points-fueled trips to Sri Lanka, Sicily, and Myanmar.

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We Recommend

Chase Sapphire Preferred® CardTerms Apply / Rates & Fees

Chase Sapphire Preferred® Card

Apply Now(at Chase's secure site)

Chase Sapphire Preferred® Card

Welcome Offer: 75,000 100,000 points

  • Earn 100,000 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 Travel℠, 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
Show more
  • 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, Lost Luggage Insurance 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 a min. of one year 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

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The World of Hyatt Credit Card – Full Review [2026]
The World of Hyatt Credit Card – Full Review [2026]

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