LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.
How to Earn and Redeem Credit Card Reward Points for Airbnb Stays
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
Bank of America® Travel Rewards credit card and Bank of America® Premium Rewards® credit card details updated Sept. 9, 2021
Airbnb has become a global player in the sharing economy since its founding in San Francisco in 2008. There are now more than 5 million listings available to customers in 81,000 cities and 191 countries.
Airbnb’s latest business update projects that it will have served more than 500 million guests by the end of the first quarter of 2019. Of those guests, there’s also been an increase of those traveling on business, with more than 300,000 companies working with Airbnb to help manage their travel.
Business travelers have been using Airbnb for shorter trips where they may have booked hotels in the past. A year ago, the average trip on Airbnb for Work — a corporate travel management program — was six nights or more. Today, the average stay with Airbnb for Work is about five days, and the fastest-growing segment of trips is three nights or less.
As Airbnb has grown, more credit cards are adding it and other home-sharing companies under their travel spending categories. We’ll look at travel cards with options that let you earn points for Airbnb stays.
Credit cards with Airbnb options
- American Express Blue Business Cash™ Card
- American Express® Business Gold Card
- American Express® Gold Card
- Blue Cash Preferred® Card from American Express
- The Business Platinum Card® from American Express
- The Platinum Card® from American Express
- American Express Cash Magnet® Card
The type of American Express card you have — Membership Rewards® or cash back — governs how Airbnb bookings are handled.
Under Membership Rewards®, you’ll earn the lowest points per dollar spent when using the card for Airbnb bookings. When it comes time to redeem them, you can pay for a stay using points under the “cover your charges program”. It allows cardmembers to choose eligible charges they want to cover with points. After viewing your statement, click the box next to the charge (such as Airbnb) you want to be covered. Click “Redeem Now” and a credit appears within 48 hours.
Travel cards with this option include The Amex EveryDay® Credit Card from American Express, The Amex EveryDay® Preferred Credit Card from American Express, American Express® Gold Card, American Express Blue Business Cash™ Card, American Express® Business Gold Card, The Business Platinum Card® from American Express and The Platinum Card® from American Express.
You’ll need to have at least 1,000 Membership Rewards points in your account, and you must be able to pay for the entire amount of an eligible charge in points.
Cashback cards give you a flat-earning rate when you pay for Airbnb stays, and they also give you a statement credit on everything you earn.
These cards include American Express Cash Magnet® Card (1.5%), Blue Cash Everyday® Card from American Express (1%) and Blue Cash Preferred® Card from American Express (1%).
Bank of America® Premium Rewards® credit card
Bank of America® Premium Rewards® credit card cardholders earn 2 points for every $1 you spend on travel and dining purchases. Plus, earn 2 points for every $1 spent on grocery store purchases – now through 12/31/21. Earn 1.5 points for every $1 you spend on all other purchases. No limit to the points you can earn and your points don't expire. The annual fee is $95. The travel category is one of the broader ones on the market and includes earning points for Airbnb stays.
But you can’t redeem those points for Airbnb stays. They can only be redeemed for flights, hotels and rental cars at the Bank of America Travel Center. Although this card comes with trip interruption/cancellation insurance, Airbnb stays aren’t covered, since terms of the benefit state that a place of lodging must be licensed and does not include rentals of a private residence, according to a Bank of America spokeswoman.
Bank of America® Travel Rewards credit card
Bank of America® Travel Rewards credit card cardmembers earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire and the annual fee is $0. You can earn points on Airbnb spending with no expiration on points as long as the card is active.
This card has the same broad travel definition as the Bank of America® Premium Rewards® credit card. But unlike the Bank of America® Premium Rewards® credit card, you can use the points you earn on the Bank of America® Travel Rewards credit card as a statement credit to offset the cost of your Airbnb bookings, starting at 2,500 points.
Barclaycard Arrival Plus® World Elite Mastercard®
The Barclaycard Arrival Plus® World Elite Mastercard® is a simple credit card where you Earn 2X miles on all purchases. It has an annual fee of $89 (waived first year).
Redeem the miles you earn with cashback statement credits or statement credits for gift cards, merchandise and travel, which includes Airbnb stays, starting at 10,000 miles. Get 5% of your miles back every time you redeem them. They don’t expire as long as your account is open, active and in good standing.
Capital One QuicksilverOne Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card cardmembers earn an unlimited 1.5% cash back on every purchase, every day with a $39 annual fee. The rewards you earn don’t expire as long as you keep the card open.
You can redeem the cash back you earn on this card as a statement credit, a check or as credits for past purchases, including every time you use it to book an Airbnb. An added perk with this card is it targets those with Average/Fair/Limited credit — with no deposit required.
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is another flat-rate card where you earn an unlimited 2 Miles per dollar on every purchase, every day. The card’s annual fee is $95.
Use the Purchase Eraser feature, which gives you an account credit for what you spend, to cover the cost of booking travel, including Airbnb. You can also redeem them for a check, an account credit or gift cards.
Chase Sapphire Reserve® and Chase Sapphire Preferred® Card
The Chase Sapphire Reserve® has an annual fee of $550 while the Chase Sapphire Preferred® Card’s annual fee is $95.
With the Chase Sapphire Preferred® Card, cardmembers earn 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases With the Chase Sapphire Reserve®, earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
Points earned in the travel category for both cards are among the broadest in the industry and includes Airbnb bookings.
While you can’t redeem your points for Airbnb bookings on the Chase Ultimate Rewards website, you can buy an Airbnb gift card with points. Plus, the $300 travel credit that comes with the Chase Sapphire Reserve® can be applied to Airbnb stays.
Delta Air Lines
You can earn miles for Airbnb stays when you book them with these Delta’s American Express-branded credit cards — but only at the lowest dollar per mile spent.
- Delta SkyMiles® Blue American Express Card
- Delta SkyMiles® Gold American Express Card
- Delta SkyMiles® Gold Business American Express Card
- Delta SkyMiles® Platinum American Express Card
- Delta SkyMiles® Platinum Business American Express Card
- Delta SkyMiles® Reserve American Express Card
Delta SkyMiles can’t be redeemed to cover Airbnb stays.
Miles can only be used for hotels, car rentals, activities and cruises. The airline has a program where SkyMiles members, whether they have a Delta-branded credit card or not, can earn 1 mile per dollar spent on eligible Airbnb stays as long as they enter their SkyMiles membership number at deltaairbnb.com before booking.
Discover it® Miles
The $0 annual fee Discover it® Miles card allows cardmembers to automatically earn unlimited 1.5x miles on every dollar of every purchase - with no annual fee. Your miles don’t expire, and there’s no cap on how many you can earn.
Use them as a credit to your account for travel purchases, including Airbnb stays, made with the card in the past 180 days — or do an electronic deposit into an account you designate.
Wells Fargo Propel American Express® card
This card is no longer available to new applicants
This $0 annual fee card offers points for Airbnb stays, which falls under travel spending. Earn 3X points on eating out, ordering in and popular streaming services, 3X points on gas stations, rideshares and transit, and 3X points on travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases.
You can’t redeem the points you earn for Airbnb stays in Wells Fargo’s Go Far ® Rewards website. The best you can do is either deposit it to an eligible Wells Fargo redemption account or withdraw it from a Wells Fargo ATM via a Wells Fargo debit card. If you don’t have a Wells Fargo account, you can get a paper check or a gift card.
The information related to the American Express Cash Magnet® Card, The Amex EveryDay® Credit Card from American Express, The Amex EveryDay® Preferred Credit Card from American Express, the Barclaycard Arrival Plus® World Elite Mastercard® and the Wells Fargo Propel American Express® card has been independently collected by LendingTree and has not been reviewed or provided by the issuers of these cards prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.