Edited by: Keri Stooksbury
& Stella Shon
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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.
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.
|Card||Welcome Bonus and Annual Fee||Benefits|
|Chase Sapphire Reserve®||
|American Express® Green Card||
3x Membership Rewards points on all eligible travel purchases, including airfare, hotels, cruises, tours, car rentals, and more
|Chase Sapphire Preferred® Card||
|Capital One Venture X Rewards Credit Card (rates & fees)||
|Capital One Venture Rewards Credit Card (rates & fees)||
2x miles on all other eligible purchases, including travel
|Citi® Double Cash Card||
2% cash-back on all eligible purchases (1% when you buy, another 1% when you pay)
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.
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!
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/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.
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.
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.
This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.
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.
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.
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 Amex Travel, gift cards, Amazon, cash-back, charitable donations, and more. However, we recommend transferring your points to airline and hotel partners.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
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.
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.
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit 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.
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.
Here is the earning structure on this card:
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, and no-additional-charge for up to 4 authorized users.
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.
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
As a frequent traveler with excellent credit, you’re always on the lookout for a credit card that comes with all the bells and whistles. And the easier it is to understand, the better!
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 sign-up bonus, high rewards rates, and flexible redemption options.
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/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.
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
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.
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.
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 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!
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||Welcome Bonus Offer and Annual Fee||Benefits|
|Ink Business Preferred® Credit Card||
|The Blue Business® Plus Credit Card from American Express||
||Earn 2x Membership Rewards points on everyday purchases on the first $50,000 every calendar year, 1x after that|
|Ink Business Unlimited® Credit Card||
|Capital One Spark Miles for Business (rates & fees)||
||Unlimited 2x miles per dollar on every purchase|
|Capital One Spark Miles Select for Business||
||1.5x miles on all other purchases|
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.
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.
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:
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.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
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.
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!
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.
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
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.
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 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.
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.
(Information collected independently. Not reviewed by Capital One.)
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.
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.
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 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.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
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.
No, you do not. However, using a credit card is a spectacular way to earn rewards on spending you’d make anyway!
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.
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.
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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