Which Credit Card To Use For Airbnb
Published: November 7, 2023
Discover the best credit cards for financing your Airbnb stays. Compare rates, rewards, and benefits to find the perfect card for your travel expenses.
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When it comes to booking accommodations for your next vacation or business trip, Airbnb has become a popular choice for travelers around the world. With its vast selection of unique and affordable properties, Airbnb offers a refreshing alternative to traditional hotels.
But did you know that you can maximize your Airbnb experience by using the right credit card? By choosing a credit card that offers specific rewards and benefits for Airbnb bookings, you can earn points, cashback, or travel credits that can make your trips even more rewarding.
In this article, we will explore the factors to consider when choosing a credit card for your Airbnb bookings, as well as the best credit cards available that offer rewards and benefits specifically tailored for Airbnb stays. Whether you’re a frequent traveler or an occasional Airbnb user, this guide will help you make an informed decision on which credit card to use for your next Airbnb adventure.
It’s important to note that the best credit card for Airbnb depends on your individual needs and spending habits. Some people prefer to earn travel rewards, while others prioritize cashback or flexible redemption options. Additionally, your travel patterns, such as the frequency of international stays or the importance of travel insurance, will also influence your decision.
With that in mind, let’s dive into the factors to consider when choosing a credit card for Airbnb bookings.
Factors to consider when choosing a credit card for Airbnb
When selecting a credit card for your Airbnb bookings, there are several key factors to consider. These factors will help you determine which card will provide the most value and benefits for your specific needs. Let’s take a closer look at each of these factors:
- Rewards structure: One of the most important considerations is the rewards structure offered by the credit card. Look for cards that offer bonus points or cashback on travel-related expenses, including Airbnb bookings. Some cards may also have specific categories, such as dining or transportation, that can earn you additional rewards.
- Redemption options: Consider how you can redeem the rewards earned with the credit card. Look for flexibility in redemption, whether it’s through statement credits, travel reservations, or transfer partners. Choose a card that allows you to redeem your rewards in a way that aligns with your travel goals.
- Foreign transaction fees: If you frequently travel internationally and plan to use Airbnb for your accommodations, it’s important to choose a credit card that waives foreign transaction fees. These fees can quickly add up, eating into the rewards you earn on your bookings.
- Travel insurance coverage: Another factor to consider is the travel insurance coverage provided by the credit card. Look for cards that offer protections such as trip cancellation/interruption insurance, baggage delay/loss coverage, or emergency medical/evacuation insurance. Having this coverage can give you peace of mind during your Airbnb stays.
- Annual fee: Some credit cards come with annual fees, while others may have no annual fee. Consider the value of the rewards and benefits provided by the card compared to the cost of the annual fee. If the benefits outweigh the fee, it may be worth considering a card with an annual fee.
- Bonus offers: Keep an eye out for any sign-up bonuses or promotional offers that come with the credit card. These bonuses can provide a significant boost to your rewards earnings.
- Additional perks and benefits: Finally, consider any additional perks and benefits offered by the credit card. This could include access to airport lounges, concierge services, or special discounts on travel-related expenses.
By taking these factors into account, you can narrow down the options and find the credit card that will provide the most value and benefits for your Airbnb stays. In the next sections, we will explore some of the best credit cards available that offer specific rewards and benefits for Airbnb bookings.
Best credit cards for earning rewards on Airbnb
If you’re looking to maximize your rewards when booking Airbnb accommodations, there are several credit cards that offer excellent earning potential. These cards provide bonus rewards or cashback specifically for travel expenses, including Airbnb stays. Here are some of the best credit cards for earning rewards on Airbnb:
- Chase Sapphire Preferred® Card: This popular travel credit card offers 2x points on all travel and dining purchases, including Airbnb bookings. Additionally, the card has a generous sign-up bonus and allows you to transfer points to a variety of airline and hotel partners for maximum flexibility.
- Citi Premier® Card: The Citi Premier® Card offers 3x points on travel, including Airbnb, as well as 2x points on dining and entertainment. The points can be transferred to airline loyalty programs or redeemed for travel through the ThankYou® portal.
- Capital One® Venture® Rewards Credit Card: With the Capital One® Venture® Rewards Credit Card, you’ll earn 2x miles on all purchases, including Airbnb bookings. The miles can be redeemed for travel statement credits or transferred to airline partners.
- American Express® Gold Card: This card offers 4x points at restaurants worldwide and on up to $25,000 spent at U.S. supermarkets each year (then 1x). As Airbnb bookings often involve dining out, this card can help you rack up points quickly.
- Discover it® Miles: While not specifically tailored for Airbnb, the Discover it® Miles card offers 1.5x miles on all purchases, with no annual fee. The miles you earn can be redeemed as statement credits towards any travel expense, including Airbnb.
These credit cards are just a few examples of the options available for earning rewards on Airbnb bookings. It’s important to compare the benefits and rewards structures of each card to find the one that aligns with your spending habits and travel goals. Remember to consider not just the rewards earned on Airbnb bookings, but also on other travel-related expenses.
Next, let’s explore credit cards that offer additional travel and Airbnb-specific benefits for a more enhanced booking experience.
Credit cards with travel and Airbnb benefits
In addition to earning rewards on your Airbnb bookings, certain credit cards offer additional travel benefits and perks that can enhance your overall experience. These benefits may include insurance coverage, travel credits, and exclusive access to VIP lounges. Here are some credit cards with travel and Airbnb benefits:
- Chase Sapphire Reserve®: This premium travel credit card offers a wide range of benefits, including a $300 annual travel credit that can be applied to Airbnb bookings. Cardholders also have access to the Luxury Hotel & Resort Collection, which offers elite perks and upgrades at select properties.
- The Platinum Card® from American Express: With this prestigious card, you’ll enjoy benefits such as access to the Global Lounge Collection, which includes Priority Pass, Centurion, and Delta Sky Club lounges. The card also offers a $200 annual airline fee credit, which can be used towards incidental fees on eligible airlines.
- World Elite Mastercard: Many World Elite Mastercards offer a suite of travel benefits, including travel insurance coverage, access to Mastercard Airport Concierge, and discounted car rental rates. Check with your specific issuer to see if your World Elite Mastercard includes these perks.
- Bank of America® Premium Rewards® credit card: This card provides a $100 airline incidental statement credit, as well as travel insurance benefits such as trip cancellation/interruption insurance and baggage delay coverage. You can also earn bonus points on travel and dining purchases, which can be redeemed for statement credits towards Airbnb bookings.
- The Hilton Honors American Express Aspire Card: If you prefer to stay at Hilton properties during your travels, this card offers a wealth of benefits. Cardholders receive complimentary Hilton Honors Diamond status, a $250 annual Hilton resort credit, and a $100 Hilton on-property credit at select hotels. These credits can be used towards stays at Airbnb hosts participating in the Hilton Honors program.
These credit cards provide an array of travel benefits, from airport lounge access to annual travel credits. When selecting a credit card, consider the specific benefits that align with your travel preferences and the value they add to your Airbnb stays.
Next, let’s explore credit cards that do not charge foreign transaction fees, making them ideal for international Airbnb stays.
Cards with no foreign transaction fees for international Airbnb stays
For those who frequently travel internationally and prefer to use Airbnb for accommodations, it’s crucial to have a credit card that does not charge foreign transaction fees. These fees, which are typically a percentage of each transaction made in a foreign currency, can quickly add up and diminish the value of your rewards. Here are some credit cards that do not charge foreign transaction fees for international Airbnb stays:
- Capital One® Venture® Rewards Credit Card: As mentioned earlier, this card not only offers 2x miles on all purchases, but it also has no foreign transaction fees, making it a great choice for international Airbnb stays.
- Chase Sapphire Preferred® Card: In addition to earning 2x points on travel and dining, this card does not charge foreign transaction fees, making it an excellent option for Airbnb bookings abroad.
- The Platinum Card® from American Express: This premium card offers numerous travel benefits and has no foreign transaction fees. It’s an ideal choice for travelers who want to indulge in luxurious Airbnb stays internationally.
- Discover it® Miles: Similar to the Capital One® Venture® Rewards Credit Card, this card has no foreign transaction fees, making it suitable for international travelers who want to earn miles for their Airbnb stays.
- HSBC Premier World Elite Mastercard®: This elite Mastercard does not charge foreign transaction fees and offers a range of travel benefits, including airport lounge access and travel insurance coverage.
Having a credit card without foreign transaction fees can save you a significant amount of money during your international Airbnb stays. By avoiding these fees, you’ll be able to fully enjoy the rewards and benefits offered by your credit card, making your travels even more rewarding.
Finally, let’s explore credit cards that provide strong travel insurance coverage for added peace of mind during your Airbnb stays.
Credit cards with strong travel insurance coverage for Airbnb stays
When booking accommodations through Airbnb, it’s essential to have adequate travel insurance coverage in case of unexpected events or emergencies. Some credit cards offer robust travel insurance coverage that can provide you with peace of mind during your Airbnb stays. Here are a few credit cards known for their strong travel insurance coverage:
- Chase Sapphire Preferred® Card: This card includes trip cancellation/interruption insurance, baggage delay insurance, and primary rental car insurance. These coverages can be invaluable if your travel plans change, your baggage is delayed, or you need to rent a car during your Airbnb stay.
- Citi Prestige® Card: In addition to offering trip cancellation/interruption insurance and baggage delay insurance, the Citi Prestige® Card also provides medical evacuation and repatriation coverage. These coverages are particularly important when traveling internationally.
- Barclaycard Arrival Plus® World Elite Mastercard®: This card offers various travel insurance coverages, including trip cancellation/interruption insurance and baggage delay insurance. It also includes a complimentary concierge service that can assist you during your travels.
- Capital One® Venture® Rewards Credit Card: Along with its travel rewards, this card provides travel accident insurance and auto rental collision damage waiver. These coverages can be beneficial when using Airbnb and renting a car during your trip.
- The Platinum Card® from American Express: As a premium card, The Platinum Card® offers extensive travel insurance coverage, including medical evacuation, trip cancellation/interruption insurance, baggage loss/delay insurance, and more. These coverages can help protect you and your belongings during your Airbnb stays.
These credit cards are examples of those with strong travel insurance coverage that can provide valuable protections during your Airbnb stays. However, it’s essential to review the specific terms and conditions of each card’s insurance policy to understand the coverage available to you.
Now that we’ve explored credit cards with various benefits and rewards for Airbnb stays, let’s wrap up our discussion.
Choosing the right credit card for your Airbnb bookings can enhance your travel experience and help you maximize your rewards. By considering factors such as rewards structure, redemption options, foreign transaction fees, travel insurance coverage, annual fees, bonus offers, and additional perks, you can narrow down the options and find the card that aligns with your travel goals and preferences.
Some of the best credit cards for earning rewards on Airbnb include the Chase Sapphire Preferred® Card, Citi Premier® Card, Capital One® Venture® Rewards Credit Card, American Express® Gold Card, and Discover it® Miles. These cards offer excellent earning potential and flexibility in redeeming rewards.
If you’re looking for additional travel benefits and perks, consider credit cards like the Chase Sapphire Reserve®, The Platinum Card® from American Express, World Elite Mastercard, Bank of America® Premium Rewards® credit card, and Hilton Honors American Express Aspire Card. These cards provide access to airport lounges, travel credits, and other exclusive benefits.
For international travelers, having a credit card with no foreign transaction fees is crucial. Cards like the Capital One® Venture® Rewards Credit Card, Chase Sapphire Preferred® Card, The Platinum Card® from American Express, Discover it® Miles, and HSBC Premier World Elite Mastercard® are ideal choices.
Lastly, having strong travel insurance coverage is essential for your peace of mind during Airbnb stays. The Chase Sapphire Preferred® Card, Citi Prestige® Card, Barclaycard Arrival Plus® World Elite Mastercard®, Capital One® Venture® Rewards Credit Card, and The Platinum Card® from American Express are known for their comprehensive travel insurance benefits.
Ultimately, the best credit card for your Airbnb bookings will depend on your specific needs and preferences. Take the time to compare the benefits and rewards structures of different cards to find the one that suits you best. With the right credit card in hand, you can earn rewards, enjoy exclusive perks, and travel confidently during your Airbnb adventures.