The 10 Best Credit Cards for Booking Airbnb or VRBO Stays [2021]

Reserving an Airbnb or VRBO keep? Each of those firms supply a web-based market for trip leases as an alternative choice to lodge bookings. However along with short-term leases, you can even ebook experiences or long-term leases!

Nonetheless you employ Airbnb or VRBO, you’ll wish to be sure you’re maximizing each greenback you’re spending. However since each of those don’t fall underneath conventional lodge classes, it may be a bit complicated to determine whether or not or not your bookings would earn bonus factors.

See more: Best credit card for vrbo

So on this information, we’ll present you the perfect bank cards for reserving Airbnb or VRBO stays.

What To Search for in a Credit score Card for Airbnb or VRBO Stays

Airbnb and VRBO (in addition to different competing platforms) nearly by no means rely as resorts, so the normal bonus class of resorts, sadly, wouldn’t enable for bonus earnings.

So the very first thing we have to do when in search of the perfect bank card is to discover a card that gives the very best rewards on common journey. The definition of common journey may be very broad and may fluctuate from financial institution to financial institution.

There aren’t a complete lot of bank cards that provide bonus classes for common journey — so after these classes are exhausted, we search for the perfect bank cards for non-bonused spending.

After rewards accrual buildings, you need to flip your consideration to the perfect journey advantages on your wants, together with journey and buy protections.

With all of that in thoughts, let’s get into our greatest bank cards for Airbnb or VRBO stays. We’ll begin off with the perfect private playing cards. Then, we’ll stroll you thru the perfect enterprise bank cards to make use of for Airbnb or VRBO stays ought to your small business necessitate journey.

Finest Private Playing cards for Airbnb or VRBO Stays

Vacationing with family and friends is extra rewarding once you’re maximizing factors and miles for the costs! Picture Credit score: VRBO

1. Chase Sapphire Reserve® Card

Credit score CardBenefits & DataChase Sapphire Reserve® Chase Sapphire Reserve® Study Extra

  • Earn 50,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening. That’s $750 towards journey once you redeem by Chase Final Rewards®
  • $300 Annual Journey Credit score as reimbursement for journey purchases charged to your card every account anniversary 12 months. By means of 12/31/21, gasoline station & grocery retailer purchases may also rely in the direction of incomes your Journey Credit score
  • Earn 5x complete factors on air journey and 10X complete factors on resorts and automobile leases once you buy journey by Chase Final Rewards® instantly after the primary $300 is spent on journey purchases yearly. Earn 3x factors on different journey and eating & 1 level per $1 spent on all different purchases
  • Get 50% extra worth once you redeem your factors for journey by Chase Final Rewards. For instance, 50,000 factors are value $750 towards journey
  • Entry to 1,300+ airport lounges worldwide after a simple, one-time enrollment in Precedence Go™ Choose and as much as $100 utility payment credit score for International Entry or TSA Pre✓®
  • Glorious Credit score Advisable (740-850)
  • Annual Price: $550

UP’s Bonus Valuation*: $1,000 Should Reads: For extra on the Chase Sapphire Reserve, see our ideas on its advantages, world airport lounge entry, and journey insurance coverage safety. Have a look right here for our full assessment.

In our opinion, the perfect private bank card to make use of for Airbnb or VRBO stays is the Chase Sapphire Reserve card. The most important cause why this particular card is your best option for Airbnb or VRBO is that it earns 3x Final Rewards factors per greenback spent on eating and journey.

Chase defines journey very broadly, which implies that your bookings on Airbnb and VRBO will rely and earn 3x Final Rewards factors.

The Chase Sapphire Reserve card presents an superior welcome bonus, a big $300 journey credit score (which can be utilized for Airbnb and VRBO stays), and quite a few different advantages.

This bank card comes with a $100 International Entry/TSA PreCheck utility payment credit score, the flexibility to earn 10x factors per greenback on Lyft purchases, a Precedence Go Choose membership, entry to The Luxurious Resort and Resort Assortment, elite lodge advantages at sbe and Relais & Châteaux, and a complimentary Lyft Pink membership.

Additionally, you’ll get pleasure from an annual DoorDash meals supply credit score of $60, a free subscription to DoorDash DashPass, a free Grubhub+ and Seamless+ membership, and automobile rental privileges at Avis, Nationwide, and Silvercar.

It doesn’t finish there since you’ll benefit from the finest journey protections supplied by a single bank card, consisting of major auto rental collision injury protection, journey cancellation and interruption insurance coverage, baggage delay insurance coverage, misplaced baggage reimbursement, journey delay reimbursement, journey accident insurance coverage, emergency medical and dental protection, and emergency evacuation and transportation protection.

So far as different card advantages, you possibly can make the most of roadside help, buy safety, return safety, prolonged guarantee protection, and even a $120 assertion credit score in the direction of a Peloton all-access membership or digital entry membership (by December 31, 2021).

Why We Like Incomes Chase Final Rewards Factors

At Upgraded Factors, we’re enormous followers of Chase Final Rewards factors as a result of they can be utilized for quite a lot of completely different redemptions. This contains assertion credit and cash-back, reward playing cards, merchandise, and reserving journey by the Chase journey portal.

With the Chase Sapphire Reserve card, you’ll obtain 50% extra worth for journey booked by the Chase journey portal, which can web you a 1.5 cents per level worth.

However our favourite strategy to redeem Chase Final Rewards factors is to switch them to airways and resorts for enterprise or top quality flights and luxurious lodge stays. Certainly, transferring factors to journey companions is among the the explanation why these factors are among the most useful on this planet, value round 2 cents per level.

2. American Categorical® Inexperienced Card

Credit score CardBenefits & InfoAmerican Categorical® Inexperienced Card American Express® Green Card Study Extra

  • Earn 30,000 Membership Rewards® factors after spending $2,000 in your first 3 months.
  • Earn 3x Membership Rewards® factors on eating places worldwide, together with takeout and supply.
  • Earn 3x Membership Rewards® factors on all eligible journey, from subway swipes to lodge stays.
  • Earn as much as $100 in annual assertion credit in the direction of a CLEAR membership
  • Earn as much as $100 assertion credit score per 12 months on LoungeBuddy purchases
  • No overseas transaction Charges
  • Annual Price: $150
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The Amex Inexperienced card is one in all our favourite playing cards as a result of it presents wealthy rewards, distinctive journey perks, and extra.

This premium card presents an amazing introductory welcome bonus to begin your factors accrual. The Amex Inexperienced card earns 3x Membership Rewards factors at eating places worldwide, transit, and on all eligible journey purchases.

This card is the one card from American Categorical that gives bonus factors on journey as a broad class! It contains airfare, resorts, cruises, excursions, automobile leases, and, after all, trip leases like Airbnb and VRBO.

It additionally boasts as much as $100 in assertion credit per 12 months in the direction of a CLEAR membership and as much as $100 in assertion credit per 12 months on LoungeBuddy purchases. Different perks embody a complimentary 12-month Uber Eats Go subscription that includes reductions and free supply (enroll by December 31, 2021).

When you’re in search of journey protection, you’ll discover tons of worth on this card due to its journey delay insurance coverage, secondary automobile rental protection, and baggage insurance coverage. In fact, you’ll discover buy safety and prolonged guarantee protection, which is frequent for some of these playing cards.

Why We Like Incomes Amex Membership Rewards Factors

The factors you’ll earn on the Amex Inexperienced card are Amex Membership Rewards factors.

Incomes Amex Membership Rewards factors is among the most profitable issues you are able to do in the case of rewards. Briefly, Amex has probably the most useful transferable factors, which can be utilized for unimaginable worth when transferred to airline and lodge companions.

Different methods to redeem Amex factors embody journey booked by Amex Journey, reward playing cards, Amazon, cash-back, charitable donations, and extra. Nonetheless, we suggest transferring your factors to airline and lodge companions.

3. Chase Sapphire Most popular® Card

Credit score CardBenefits & DataChase Sapphire Most popular® Card Chase Sapphire Preferred® Card Study Extra

  • Earn 60,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening. That’s $750 once you redeem by Chase Final Rewards®.
  • Get pleasure from new advantages akin to a $50 annual Final Rewards Resort Credit score, 5x factors on journey bought by Chase Final Rewards, 3x factors on eating and 2x factors on all different journey purchases, plus extra.
  • Get 25% extra worth once you redeem for airfare, resorts, automobile leases and cruises by Chase Final Rewards®. For instance, 60,000 factors are value $750 towards journey.
  • With Pay Your self BackSM, your factors are value 25% extra through the present supply once you redeem them for assertion credit towards present purchases in choose, rotating classes.
  • Get limitless deliveries with a $0 supply payment and lowered service charges on eligible orders over $12 for at least one 12 months with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
  • Depend on Journey Cancellation/Interruption Insurance coverage, Auto Rental Collision Harm Waiver, Misplaced Baggage Insurance coverage and extra.
  • Rise up to $60 again on an eligible Peloton Digital or All-Entry Membership by 12/31/2021, and get full entry to their exercise library by the Peloton app, together with cardio, operating, energy, yoga, and extra. Take lessons utilizing a cellphone, pill, or TV. No health gear is required.
  • Good to Glorious Credit score Advisable (670-850)
  • Annual Price: $95

UP’s Bonus Valuation*: $1,200 Should Reads: For more information on the Chase Sapphire Most popular, see our ideas on its advantages and journey insurance coverage protection, which incorporates major automobile rental insurance coverage. Check out our full assessment to see why it’s one in all our favourite playing cards.

The Chase Sapphire Most popular card is among the hottest journey rewards bank cards on this planet, and for good cause!

This card is among the finest “starter” rewards bank cards due to its unimaginable welcome bonus, entry to Chase Final Rewards partnerships, and naturally, the flexibility to earn 5x factors on journey bought by Chase Final Rewards, 3x factors on eating, and 2x factors on all different journey purchases. This contains Airbnb and VRBO, which is why that is one in all our prime selections.

The Chase Sapphire Most popular card additionally presents a complimentary subscription to DoorDash DashPass, a Peloton assertion credit score of as much as $60 in the direction of all-access membership or digital entry membership (by December 31, 2021), and no overseas transaction charges.

For journey advantages, you’d be hard-pressed to discover a card with higher protection. The Chase Sapphire Most popular card has major rental automobile insurance coverage, complimentary journey delay insurance coverage, journey cancellation and interruption insurance coverage, baggage delay insurance coverage, journey accident insurance coverage, roadside dispatch, and journey and emergency help.

And as you’re making purchases on the cardboard, you’ll relaxation simple with buy safety and an prolonged guarantee on all of your purchases.

4. Capital One Enterprise Rewards Credit score Card

Credit score CardBenefits & InfoCapital One Enterprise Rewards Credit score Card Capital One Venture Rewards Card Study Extra

  • Earn 60,000 miles when you spend $3,000 on purchases inside 3 months from account opening.
  • Earn limitless 2X miles on each buy, daily.
  • Miles will not expire for the lifetime of the account and there isn’t any restrict to what number of you possibly can earn
  • Obtain as much as $100 credit score for International Entry or TSA PreCheck
  • No Overseas Transaction Charges
  • Glorious Credit score Advisable (740-850)
  • Annual Price: $95

Should Reads: For more information on the CapOne Enterprise card, see our ideas on its advantages and our full assessment.

The CapOne Enterprise card is one in all our favourite bank cards for easy transferable rewards. With the CapOne Enterprise card, you’ll earn limitless 2x Capital One miles in your purchases with no caps!

Because you don’t have to fret about bonus classes, you possibly can guess that Airbnb and VRBO stays will rely!

This card additionally presents a $100 International Entry/TSA PreCheck utility payment credit score, a low annual payment of $95, and strong journey protections. These embody secondary automobile rental insurance coverage, journey accident insurance coverage, misplaced baggage protection, roadside dispatch, and extra.

Plus, you’ll get pleasure from cardholder advantages like zero fraud legal responsibility, buy safety, and prolonged guarantee protection.

Why We Like Incomes Capital One Miles

Capital One Miles is among the main transferable currencies, which suggests that you could switch your Capital One miles to airline companions for wonderful flights in premium cabins.

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You can too redeem your miles for assertion credit, journey purchases, reward playing cards, and rather more. Nonetheless, we consider that one of the best ways to redeem your Capital One miles is for airline companion transfers.

5. Citi® Double Money Card

Credit score CardBenefits & InfoCiti® Double Money Card Study Extra

  • Earn 2% on each buy with limitless 1% money again once you purchase, plus a further 1% as you pay for these purchases. To earn money again, pay not less than the minimal due on time.
  • Stability Switch Solely Supply: 0% intro APR on Stability Transfers for 18 months. After that, the variable APR will probably be 13.99% – 23.99%, primarily based in your creditworthiness.
  • Stability Transfers don’t earn money again. Intro APR doesn’t apply to purchases.
  • When you switch a steadiness, curiosity will probably be charged in your purchases except you pay your total steadiness (together with steadiness transfers) by the due date every month.
  • There may be an intro steadiness switch payment of three% of every switch (minimal $5) accomplished inside the first 4 months of account opening. After that, your payment will probably be 5% of every switch (minimal $5).
  • The usual variable APR for Citi Flex Plan is 13.99% – 23.99% primarily based in your creditworthiness. Citi Flex Plan presents are made accessible at Citi’s discretion.
  • Good to Glorious Credit score Advisable (670-850)
  • Annual Price: $0

The Double Money card is one in all our favourite bank cards as a result of it earns 2% cash-back. Particularly, you’ll earn 1% again once you buy and 1% once you pay it off with no caps!

You possibly can convert your cash-back to ThankYou Factors, however what most don’t inform you is that should you even have a ThankYou Rewards bank card just like the Citi Premier℠ Card, you possibly can faucet into the chances of fantastic redemptions with Citi’s switch companions!

That implies that on your Airbnb and VRBO stays, you possibly can probably earn 2x Citi ThankYou Factors with no caps should you even have a card just like the Citi Premier card.

Different advantages embody an attractive introductory APR supply, zero legal responsibility for unauthorized purchases, fraud safety, and extra.

Why We Like Incomes Citi ThankYou Rewards Factors

Being able to earn 2x Citi ThankYou Factors with no annual payment on Airbnb or VRBO is implausible. And though you want to even have a ThankYou Rewards bank card to make the most of the complete catalog of switch companions, it’s worthwhile to take action.

That’s as a result of Citi ThankYou Factors are value round 1.6 cents every, in response to our valuations. After you’ve transformed your cash-back to Citi ThankYou Factors, you possibly can switch them to journey companions and redeem them for flights like Singapore Airways top quality or Delta One Suites!

Finest Enterprise Playing cards for Airbnb or VRBO Stays

Airbnb Orum House
Airbnb has quite a lot of hosts with distinctive properties that are perfect for company retreats and crew constructing. Picture Credit score: Airbnb

It’s simple to fall in love with any of the private bank cards above and use them for Airbnb or VRBO stays.

However should you occur to be touring for enterprise, you’ll wish to use a enterprise bank card that may preserve your private and enterprise bills separate. So on this subsequent part, we’ll present you our favourite enterprise bank cards for Airbnb or VRBO stays.

1. Ink Enterprise Most popular® Credit score Card

Credit score CardKey Advantages & InfoInk Enterprise Most popular® Credit score Card Ink Business Preferred® Credit Card Study Extra

  • Earn 100,000 bonus factors after you spend $15,000 on purchases within the first 3 months.
  • Earn 3 factors per $1 on the primary $150,000 spent in mixed purchases on journey, delivery purchases, web, cable and cellphone companies, promoting purchases made with social media websites and serps every account anniversary 12 months
  • Earn 1 level per $1 on all different purchases—with no restrict to the quantity you possibly can earn
  • 25% extra worth when redeeming factors by Final Rewards® journey
  • Good to Glorious Credit score Advisable (670-850)
  • Annual Price: $95

Bonus Valuation*: $2,000 Should Reads: For more information on the Ink Enterprise Most popular, see our guides on its advantages, 7 issues to do as a brand new cardholder, and our full assessment. That is our favourite Chase enterprise bank card.

Indisputably, our favourite enterprise bank card for Airbnb and VRBO is the Ink Enterprise Most popular card.

This card presents an enormous welcome bonus to begin, value round $2,000. And as you look deeper, you’ll discover that you’ll earn 3x Final Rewards factors per greenback spent on as much as $150,000 each cardmember 12 months in these bonus classes:

  • Promoting on social media and serps
  • Journey
  • Delivery
  • Web, cable, and cellphone

That implies that you’ll expertise the identical precise incomes construction for Airbnb and VRBO as you’ll with the Chase Sapphire Reserve card. The principle distinction is that the Ink Enterprise Most popular card has a cap of $150,000 in mixed purchases, whereas the Chase Sapphire Reserve card doesn’t have a cap.

The opposite large distinction is that this card’s annual payment is simply $95, which is only a fraction of the Chase Sapphire Reserve card’s annual payment.

The Ink Enterprise Most popular card additionally presents cellphone insurance coverage, major rental automobile insurance coverage, journey interruption and cancellation protection, journey delay protection, buy safety, prolonged guarantee, and no overseas transaction charges. You can too add worker playing cards for no charges.

Sizzling Tip: Between the massive welcome bonus, the best-in-class 3x incomes classes on journey (as much as $150,000 throughout all bonus classes), the journey advantages, and the modest annual payment, it’s simple to see why the Ink Enterprise Most popular card is our favourite enterprise bank card for Airbnb and VRBO stays.

2. The Blue Enterprise® Plus Credit score Card from American Categorical

Credit score CardBenefits & Data The Blue Enterprise® Plus Credit score Card from American Categorical Study Extra

  • Earn 15,000 Membership Rewards® factors after you spend $3,000 in eligible purchases on the Card inside your first 3 months of Card Membership.
  • Earn 2X Membership Rewards® factors on on a regular basis enterprise purchases akin to workplace provides or consumer dinners. 2X applies to the primary $50,000 in purchases per 12 months, 1 level per greenback thereafter.
  • You’ve acquired the facility to use your Card past its credit score restrict* with Expanded Shopping for Energy.
  • *The quantity you possibly can spend above your credit score restrict shouldn’t be limitless. It adjusts along with your use of the Card, your fee historical past, credit score report, monetary sources recognized to American Categorical, and different components.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable price, 13.24% – 19.24%, primarily based in your creditworthiness and different components at account opening.
  • Good to Glorious Credit score Advisable (670-840)
  • Annual Price: $0
  • Phrases Apply. For charges and charges of the Blue Enterprise Plus card, click on right here.
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Should Reads: For more information on the Amex Blue Enterprise Plus, see our information on its advantages and our full assessment. That is one in all a number of Amex enterprise bank cards.

The Amex Blue Enterprise Plus card is our runner-up selection for Airbnb and VRBO stays. This excellent bank card earns 2x Membership Rewards factors on on a regular basis enterprise buy, as much as $50,000 spent each calendar 12 months. Then, the cardboard earns 1x thereafter.

This mainly implies that your first $50,000 in purchases each calendar 12 months would earn 2x factors, together with Airbnb and VRBO.

This bank card has no annual payment and comes with advantages like buy safety, prolonged guarantee, and no-additional-cost worker playing cards (see charges and charges).

When you maxed out the $50,000 in bonus spending yearly, you’d find yourself with 100,000 Amex factors, value round $2,200, in response to our valuations. That’s equal to a 4.4% return on spend!

3. Ink Enterprise Limitless® Credit score Card

Credit score CardBenefits & InfoInk Enterprise Limitless® Credit score Card Ink Business Unlimited® Credit Card Study Extra

  • Earn $750 bonus money again after you spend $7,500 on purchases within the first 3 months from account opening.
  • Earn limitless 1.5% Money Again rewards on each buy made for your small business.
  • 0% intro APR for 12 months from account opening on purchases. After that, 13.24% – 19.24% variable APR.
  • Good to Glorious Credit score Advice (670-850)
  • Annual Price: $0

Should Reads: For more information on the Ink Enterprise Limitless, see our information on its advantages and our full assessment. That is one in all a number of Chase enterprise playing cards.

The Ink Enterprise Limitless card presents excellent advantages with no annual payment. With this card, you’ll earn 1.5% cash-back with no caps on each buy made for your small business.

As well as, this bank card presents an superior welcome bonus and a 0% introductory APR profit.

In case you have an Final Rewards bank card, you possibly can even convert your 1.5% cash-back to 1.5x Final Rewards factors.

The cardboard additionally has buy safety, zero legal responsibility fraud safety, prolonged guarantee protection, limitless worker playing cards with no charges, major rental automobile protection when touring for enterprise, and extra.

4. Capital One Spark Miles for Enterprise

Credit score CardRewards & Annual FeeCapital One Spark Miles for Enterprise

  • Earn a one-time bonus of fifty,000 miles – equal to $500 in journey – when you spend $4,500 on purchases inside the first 3 months from account opening
  • Earn limitless 2X miles per greenback on each buy, in every single place, no limits or class restrictions, and miles will not expire for the lifetime of the account
  • Switch your miles to fifteen+ main journey loyalty packages like Air Canada, and Emirates™
  • Redeem your miles immediately for any travel-related purchases, from flights and resorts to ride-sharing companies
  • Fly by safety with one assertion credit score for both the $85 TSA Pre✓® utility payment or the $100 International Entry utility payment
  • Free worker playing cards which additionally earn limitless 2X miles from their purchases
  • Good to Glorious Credit score Advisable (670-850)
  • Annual Price: $0 intro annual payment for the primary 12 months; $95 after that

The CapOne Spark Miles card is a superb enterprise bank card that earns simple 2x Capital One miles with no cap for Airbnb and VRBO stays, which is analogous to the CapOne Enterprise card above.

You’ll encounter a pleasant welcome bonus, the flexibility to earn 5x miles on lodge and rental automobile bookings by Capital One Journey (doesn’t embody Airbnb or VRBO), and a $100 International Entry/TSA PreCheck utility payment credit score.

The CapOne Spark Miles card additionally has zero fraud legal responsibility, buy safety, prolonged guarantee, no overseas transaction charges, free worker playing cards, and roadside help.

5. Capital One Spark Miles Choose for Enterprise

Credit score CardRewards & Annual FeeCapital One Spark Miles Choose For Enterprise Capital One® Spark® Miles Select for Business Study Extra

  • Earn a one-time bonus of 20,000 miles – equal to $200 in journey – when you spend $3,000 on purchases inside the first 3 months of account opening.
  • Earn limitless 1.5 miles on each buy with your small business bank card with no blackouts or seat restrictions, and no minimal to redeem.
  • Earn 5X miles on lodge and rental automobile bookings by Capital One Journey.
  • No annual payment

The CapOne Spark Miles Choose card is the no annual payment variant of the CapOne Spark Miles card. As an alternative of incomes 2x Capital One Miles with no cap, you’ll earn 1.5x Capital One miles with no cap.

The welcome bonus is often decrease than the CapOne Spark Miles card, however the card nonetheless presents zero fraud legal responsibility, switch partnerships, 0% introductory APR, free worker playing cards, no overseas transaction charges, roadside help, prolonged guarantee, buy safety, and extra.

Last Ideas

There are many bank cards on the market. Discovering the perfect bank card for Airbnb and VRBO stays isn’t as simple because it appears.

Actually, there aren’t plenty of bank cards that provide bonus factors for common journey, which Airbnb and VRBO each fall underneath.

The perfect private and enterprise bank cards for these functions belong to American Categorical and Chase, although Capital One and Citi each supply respectable choices.

We hope you’ve discovered this detailed information helpful that can assist you work out the perfect bank cards for Airbnb and VRBO stays.

The data relating to the American Categorical® Inexperienced Card, Capital One® Enterprise® Rewards Credit score Card, Capital One Spark Miles for Enterprise, and Capital One Spark Miles Choose for Enterprise was independently collected by Upgraded Factors and never supplied nor reviewed by the issuer.

For charges and charges of The Blue Enterprise® Plus Credit score Card from American Categorical, click on right here.

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