The Best Credit Cards To Use For Airbnb Stays (2022)

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The Best Credit Cards To Use For Airbnb Stays

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Even after going public in 2020 to cap off its growing popularity, Airbnb doesn’t yet have its own loyalty program. That means unlike hotel chains like Hyatt, Hilton, Marriott, and more, there are no points you can earn when you book a stay with Airbnb – and no way to redeem Airbnb points for a free night stay through Airbnb…

… at least not directly. But there are still credit cards points and miles you can use to book Airbnbs – then use them to redeem for a free stay through the platform. Thanks to a Chase Bank partnership with Airbnb and a few credit cards from Capital One (including a brand new one), there are some great credit card options for booking your next Airbnb.

So let’s go over the best Airbnb credit cards and how you can use them to drastically reduce the cost of your next stay.

 

The Best Airbnb Credit Cards for Your Next Stay

The Chase Sapphire Preferred® Card

The Chase Sapphire Preferred Card is a great option when it comes to booking an Airbnb. To start with, you’ll earn 2x Chase Ultimate Rewards points for every dollar you spend on travel. Yes, that includes Airbnb.

Not only will you earn more points when you book an Airbnb with your Chase Sapphire Card, but you can also use the points to completely cover the cost of an Airbnb stay thanks to a feature Chase rolled out in 2020 called Chase Pay Yourself Back.

That allows you to use your Chase points to completely remove a purchase from your card. And when you do, they will be worth 1.25 cents each – the same value that they have when you book travel through the Chase Ultimate Rewards portal. Through at least September 2022, any purchases through Airbnb will be eligible for reimbursement with this new Pay Yourself Back feature. Let me show you how it works.

In order to use your Chase points to book an Airbnb, all you need to do is make a purchase directly with Airbnb and pay with your Chase Sapphire Preferred (or Reserve) card. Once that charge officially hits your card statement, you can then go back and cover it with points using the Pay Yourself Back benefit. This typically takes two to four days to post. You will not be able to redeem points via Pay Yourself back while the purchase is still pending.

Instead of an actual stay, I booked an Airbnb Experience for a trip to San Juan, Puerto Rico. The experience cost $25 a person, and I booked for three guests for a total of $75.

 

airbnb credit card pay yourself back

 

Since I have the Chase Sapphire Reserve, 5,000 points covered my entire $75 purchase since the points are worth more at 1.5 cents each. If I held the Chase Sapphire Preferred Card, it would cost me 6,000 points to remove the purchase since the points redeem at 1.25 cents each.

Once you click the blue “Redeem” box, you will receive a statement credit to erase the charge via Pay Yourself Back. Chase indicates that it will take up to three business days for you to see the credit. But my experience is that it comes much quicker.

 

Full Benefits of the Chase Sapphire Preferred Card

  • Welcome Bonus: 60,000 Chase Ultimate Rewards points after spending $4,000 in the first three months of card membership. These points are worth $750 towards an Airbnb stay.
  • 3x points per dollar spent on dining, including eligible delivery services
  • 3x points per dollar spent on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
  • 3x points per dollar spent on select streaming services
  • 2x points per dollar spent on travel purchases
  • Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through the Chase Ultimate Rewards Travel Portal
  • Earn 5x total points on travel purchased through the Chase Travel Portal, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
  • Recommended Credit Score: Excellent/Good
  • Foreign Transaction Fees: None
  • Annual Fee: $95

 

chase sapphire preferred card art

 

Click Here to learn more about the Chase Sapphire Preferred® Card

 

The Capital One Venture X Rewards Credit Card

Another great credit card option for booking Airbnb stays is the new Capital One Venture X Rewards Credit Card, which launched last November. The card currently offers 75,000 Capital One Venture Miles after spending $4,000 in the first three months of card membership.

By using Capital One Purchase eraser, you can use your hard-earned Venture Miles to pay for your next stay.

It couldn’t be any easier. All you need to do is use your card to pay for an Airbnb. Once that charge posts to your card statement, you can log in and use the purchase eraser to completely remove it from your statement. When you do this, each Capital One Venture Mile is worth one cent. That means a $500 Airbnb could be paid for with 50,000 Venture Miles.

 

best credit card for airbnb stays capital one venture x

 

Full Benefits of the Capital One Venture X Rewards Credit Card

  • Welcome Bonus: 75,000 Capital One Venture Miles after spending $4,000 in the first three months of card membership. These points are worth $750 towards an Airbnb stay.
  • Receive up to $300 each year in statement credits when booking through Capital One Travel.
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
  • Earn unlimited 10x miles on hotels and rental cars booked through Capital One Travel and 5x miles on flights booked through Capital One Travel, plus unlimited 2x miles on all other purchases.
  • Priority Pass and Capital One Lounge access
  • Receive a $100 fee credit towards Global Entry or TSA PreCheck.
  • Complimentary Hertz President’s Circle Status
  • Free additional cardholders
  • $395 Annual Fee

 

capital one venture x card art

 

Click Here to learn more about the Capital One Venture X Rewards Credit Card

 

The Chase Sapphire Reserve®

Think of the Chase Sapphire Reserve as the bigger sibling of the Chase Sapphire Preferred Card.

It earns the same points, but comes with a number of premium benefits like a $300 annual travel credit, up to a $100 credit for Global Entry or TSA PreCheck, lounge access, and more. But all of these benefits push the card’s annual fee up to $550 each year.

One of the biggest upsides over the Chase Sapphire Preferred Card is that your points will be worth 1.5 cents when you use them through the Chase Travel Portal or via the Pay Yourself Back benefit to book an Airbnb stay. That means the same amount of points go further.

By booking an Airbnb and then using the Chase Pay Yourself Back benefit through June 2022, you could cover a $500 Airbnb with only 33,333 Chase points.

Read More: How to Book an Airbnb with Chase Ultimate Rewards Points

 

Full Benefits of the Chase Sapphire Reserve

  • Welcome Bonus: 60,000 Chase Ultimate Rewards points after spending $4,000 in the first three months of card membership. These points are worth $900 towards an Airbnb stay.
  • 3x points per dollar spent on dining, including eligible delivery services
  • 3x points per dollar spent on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
  • 3x points per dollar spent on travel
  • $300 Annual Travel Credit: Each year of card membership, you’ll get a $300 travel statement credit to cover any travel expense.
  • Receive a $100 fee credit towards Global Entry or TSA PreCheck.
  • Priority Pass Lounge Access
  • Earn 5x total points on air travel purchased through the Chase Travel Portal
  • Earn 10x total points on hotels and rental cars purchased through the Chase Travel Portal
  • Earn 10x points per dollar spent on Lyft rides through March 2022.
  • Recommended Credit Score: Excellent
  • Foreign Transaction Fees: None
  • Annual Fee: $550

 

chase sapphire reserve card art

 

Click Here to learn more about the Chase Sapphire Reserve

 

The Capital One Venture Rewards Credit Card

Last but not least on this list is the Capital One Venture Rewards Credit Card. If the Chase Sapphire Preferred Card is the smaller sibling of the Chase Sapphire Reserve, think of the Capital One Venture as the little sibling of the Capital One Venture X Rewards Card.

Every purchase on the card will earn 2 miles per dollar spent, and the points can then be redeemed for a statement credit against eligible travel purchases, such as Airbnb. Just like the Venture X Card, miles earned from the Capital One Venture card will be worth one cent each through the  Capital One Purchase Eraser. Just pay for your Airbnb stay with your Venture Card and remove it once it posts to your account.

 

Full Benefits of the Capital One Venture Rewards Credit Card

  • Earn 75,000 miles after spending $4,000 on purchases within the first 3 months of card membership. These points are worth $750 towards an Airbnb stay.
  • Earn 2X miles per dollar on every purchase. There is no cap to the number of miles you can earn each year.
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel
  • Up to a $100 credit for Global Entry or TSA PreCheck
  • Fly on any airline or stay in any hotel with no blackout dates
  • Capital One Venture Miles never expire
  • The card does not charge foreign transaction fees
  • $95 Annual Fee

 

capital one venture card art

 

Click Here to get more information about the Capital One Venture Rewards Credit Card

 

Bottom Line

Even though Airbnb doesn’t have a loyalty program of its own, you can still use Chase Ultimate Rewards points and Capital One Venture Miles to completely cover the cost of your next stay. These four cards are the best options to earn points in either program.

 

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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