Best credit card to use at Airbnb.
Airbnb is the dominant short-term-rental marketplace, with millions of listings across homes, apartments, cabins, and unique stays in roughly 220 countries. The wrinkle for credit-card rewards is that Airbnb does not code as "hotels" — it codes as a generic travel merchant. That means hotel-category bonuses (Marriott co-brand 6x, Amex Gold hotel rate via Resy collection, Hilton Surpass 12x at hotels) generally do not trigger on an Airbnb charge. The right cards for Airbnb are broad travel-category earners: Sapphire Reserve and Preferred at 3x and 2x travel, Venture and Venture X at 2x flat with no foreign transaction fees, Amex Green at 3x travel, or flat-rate 2%+ cashback cards. Booking through the Chase or Capital One travel portals can layer additional multipliers on top, though portal availability for Airbnb is limited.
- #14.0%4x points
- #24.0%4x points
- #34.0%4x points
- #43.6%3x points
- #53%
- #63.0%2x points
- #73.0%2x points
- #83%
- #93%
- #10Chase3x points on travel (up to $150,000/year, then 1%)Travel, shipping, internet/cable/phone, advertising on search engines and social media (combined)3.0%3x points
- #11Navy Federal3x points on travelIncludes airlines, hotels, car rentals, ride-sharing, parking, tolls, museums, amusement parks, and golf courses3.0%3x points
- #123.0%3x points
- #13Venmo Credit Cardif it’s your top categorySynchrony3% on travel if it's your top eligible spend category that cycleAutomatically on your highest-spend eligible category each statement period (8 eligible: transportation, travel, groceries, entertainment, dining & nightlife, bills & utilities, health & beauty, gas). Drugstores here represents health & beauty; bills & utilities maps to utilities.3%
- #143.0%3x points
- #153.0%3x points
- #162.5%2x points
- #172.5%5x points
- #18Chase5x points on travelTravel, gas stations, select advertising, and restaurants2.5%5x points
- #192.4%2x points
- #202.4%2x points
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Last updated May 17, 2026