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Best Credit Card for Airbnb in 2026

We ranked every major cash back credit card by what you actually earn at Airbnb. The top pick earns 10% — here's the full breakdown.

8 cards earning 2%+ at Airbnb · sorted by highest cash back · updated Q1 2026

1
Capital One Venture X Rewards
Capital One Venture X Rewards
Capital One
10x miles on hotels & rental cars via Capital One Travel
Annual fee: $395/yr
10%
cash back
Apply Now — Earn 10% at This Store →

Why #1: Top pick: earns 10% cash back at Airbnb — the highest rate available. Annual fee of $395/yr is easily offset by heavy use.

2
Chase Sapphire Reserve®
Chase Sapphire Reserve®
Chase
8x on hotels & rental cars via Chase Travel portal; 4x on flights/hotels booked directly with airlines/hotels
Annual fee: $795/yr
8%
cash back
Apply Now — Earn 8% at This Store →

Why #2: Top pick: earns 8% cash back at Airbnb — the highest rate available. Annual fee of $795/yr is easily offset by heavy use.

3
Chase Freedom Unlimited®
Chase Freedom Unlimited®
Chase
5% on Chase Travel purchases
Annual fee: No annual fee
5%
cash back
Apply Now — Earn 5% at This Store →

Why #3: Top pick: earns 5% cash back at Airbnb — the highest rate available. No annual fee required.

4
Capital One Quicksilver Cash Rewards
Capital One Quicksilver Cash Rewards
Capital One
5% on hotels and rental cars booked via Capital One Travel portal
Annual fee: No annual fee
5%
cash back
Apply Now — Earn 5% at This Store →

Why #4: Top pick: earns 5% cash back at Airbnb — the highest rate available. No annual fee required.

5
Citi Double Cash® Card
Citi Double Cash® Card
Citi
5% on hotels, car rentals, and attractions booked via Citi Travel portal
Annual fee: No annual fee
5%
cash back
Apply Now — Earn 5% at This Store →

Why #5: Top pick: earns 5% cash back at Airbnb — the highest rate available. No annual fee required.

6
Citi Custom Cash® Card
Citi Custom Cash® Card
Citi
5% auto-detects your top spend category (up to $500/mo) — hotel/lodging (MCC 7011) eligible, which covers Airbnb at most locations. ⚠️ $500/mo cap; Airbnb long-stays (30+ days) may code as MCC 6513 (real estate) and earn only 1%.
Annual fee: No annual fee
5%
cash back
Apply Now — Earn 5% at This Store →

Why #6: Top pick: earns 5% cash back at Airbnb — the highest rate available. No annual fee required.

7
Chase Sapphire Preferred®
Chase Sapphire Preferred®
Chase
5x on Chase Travel; 2x other travel
Annual fee: $95/yr
5%
cash back
Apply Now — Earn 5% at This Store →

Why #7: Top pick: earns 5% cash back at Airbnb — the highest rate available. Annual fee of $95/yr is easily offset by heavy use.

8
Capital One Savor Cash Rewards
Capital One Savor Cash Rewards
Capital One
4% at Airbnb — typically codes as MCC 7011 (lodging), earning Savor's dining/entertainment bonus. ⚠️ MCC coding varies by host; long-stays (30+ days) may code as MCC 6513 (real estate) and earn only 1%. Verify your first transaction.
Annual fee: No annual fee
4%
cash back
Apply Now — Earn 4% at This Store →

Why #8: Strong choice at 4% — among the best non-co-branded cards for Airbnb. No annual fee.

Frequently Asked Questions

What is the best credit card to use at Airbnb?

The best card at Airbnb right now is the Capital One Venture X Rewards, earning 10% cash back. 10x miles on hotels & rental cars via Capital One Travel

Does any credit card offer more than 2% at Airbnb?

Yes — the Capital One Venture X Rewards at 10%, the Chase Sapphire Reserve® at 8%, the Chase Freedom Unlimited® at 5% all earn above 2% at Airbnb.

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Cash back rates are estimates and may vary. Rotating category cards require quarterly activation. Always verify rates with your card issuer before applying. Links on this page may be affiliate links — PennySwiper may earn a commission at no cost to you.