Airbnb Rewards Guide

15 data points

Top 5 Credit Cards by Earning Rate at Airbnb

Bank of AmericaCustomized Cash Rewards
5.25% cash backWith Bonus Earning
U.S. BankAltitude Connect Visa Signature
4X points
Bank of AmericaPremium Rewards
3.50X pointsWith Bonus Earning
American ExpressGreen Card
3X Membership Rewards points
ChaseInk Business Preferred
3X Ultimate Rewards points
Travel

Date

2026-02-10

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

www.airbnb.com

Reward Details

Amount

Earning Rate

100 USD2X

Rewards

200 Ultimate Rewards Points

Professional service

Date

2026-02-10

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

www.airbnb.com

Reward Details

Amount

Earning Rate

100 USD1X

Rewards

100 Ultimate Rewards Points

Travel

Date

2026-01-20fromRedditReddit

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD4X

Rewards

400 Altitude Points

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1qhnyd0/which_card_has_the_highest_rewards_for_airbnb/o0m8ekr/ - US Bank Altitude Connect. 4% cash back on travel, including AirBnB.Read more
Travel

Date

2026-01-20fromRedditReddit

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Membership Rewards Points

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1qhnyd0/which_card_has_the_highest_rewards_for_airbnb/o0lew4k/ - Amex Green gives 3x on Airbnb.Read more
Travel

Date

2026-01-20fromRedditReddit

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD3% Cash Back

Rewards

3 USD

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1qhnyd0/which_card_has_the_highest_rewards_for_airbnb/o0lci7q/ - BofA CCR earns 3% on travel, which includes Airbnb.Read more
Travel

Date

2026-01-20fromRedditReddit

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD3.50X (With Bonus Earning)

Rewards

350 Travel Rewards

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1qhnyd0/which_card_has_the_highest_rewards_for_airbnb/o0lbnng/ - BofA PRE with PH will get you 3.5% unlimited on Airbnb.Read more
Travel

Date

2026-01-20fromRedditReddit

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Ultimate Rewards Points

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1qhnyd0/which_card_has_the_highest_rewards_for_airbnb/o0la8d5/ - Chase classifies Airbnb as Travel (3x on Ink Preferred).Read more
Travel

Date

2026-01-19fromRedditReddit

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

www.airbnb.com

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Points

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1qhnyd0/comment/o0lbkzx/Read more
Travel

Date

2026-01-19fromRedditReddit

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

www.airbnb.com

Reward Details

Amount

Earning Rate

100 USD300%

Rewards

300 Cash

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1qhnyd0/comment/o0la8d5/Read more
Travel

Date

2026-01-19fromRedditReddit

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

www.airbnb.com

Reward Details

Amount

Earning Rate

100 USD3%

Rewards

3 Cash

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1qhnyd0/comment/o0lm7a5/Read more
Travel

Date

2026-01-19fromRedditReddit

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

www.airbnb.com

Reward Details

Amount

Earning Rate

100 USD4%

Rewards

4 Cash

Additional Notes

Confirmed in Reddit - [https://www.reddit.com/r/CreditCards/comments/1qhnyd0/comment/o0m8ekr/Read more
Online ShoppingTravel

Date

2026-01-19fromRedditReddit

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

www.airbnb.com

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (With Bonus Earning)

Rewards

5.25 USD

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1qhnyd0/comment/o0lbnng/Read more
Travel

Date

2026-01-19fromRedditReddit

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

www.airbnb.com

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Membership Rewards Points

Additional Notes

Confirmed in Reddit - [Link to Specific Comment](https://www.reddit.com/r/CreditCards/comments/1qhnyd0/comment/o0m8n6q/)Read more
Online ShoppingTravel

Date

2025-10-12

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD3% Cash Back (With Bonus Earning)

Rewards

3 USD

Online purchaseTravel

Date

2025-06-12

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

80 USD1% Cash Back

Rewards

800 Shop Your Way Points


Quick Rewards Guide for Airbnb

💡 Top Performing Card: The community-verified best credit card for Airbnb purchases is the Bank of America Customized Cash Rewards. Transactions on this card consistently earn 5.25% cash back (With Bonus Earning) by coding in the "Travel, Online Shopping" category.

🔍 Merchant Category Coding (MCC): Airbnb transactions most frequently code as "Travel" (or sometimes "Professional service / Travel, Online Shopping / Online Shopping, Travel / Travel,online purchase"). Ensure your chosen card offers high multiplier rewards for this category to maximize your cash back or travel points.

💳 Maximize Online & App Bookings: For online or mobile app purchases at Airbnb, checkout options like PayPal, Apple Pay, or purchasing digital gift cards can sometimes trigger alternative bonus categories (like 5% quarterly rotating categories) that outperform standard card multipliers.

Frequently Asked Questions

Q:What category does Airbnb code as on credit cards?

Based on community data points, Airbnb transactions primarily code under the "Travel" category. However, coding can vary depending on whether the purchase is made online, through a third-party gateway, or via an app.

Q:Which credit card is best to use at Airbnb?

The Bank of America Customized Cash Rewards is highly recommended, as it has been verified to earn 5.25% cash back (With Bonus Earning) on Airbnb. Any card offering 3% or more cash back (or 3x points) on "Travel" purchases will also deliver excellent value.

Q:Does Airbnb code differently depending on the card network?

Yes, Visa, Mastercard, American Express, and Discover maintain separate merchant category databases. While Airbnb usually codes as "Travel" consistently, international purchases or transactions paid through digital wallets may experience slight category variations.