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Best Business Card for Airbnb

Airbnb can code as travel or lodging depending on the card. Pick one that maximizes your vacation rental spending. Business cards offer higher limits, expense tracking, and category multipliers built for owners.

Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026
Business filterTypical Airbnb spend: $2,500/year8 cards match

Top business picks for Airbnb

1
American Express Business Platinum

American Express Business Platinum

5x on Flights (Amex Travel)

American Express · $695 annual fee

The ultimate business travel card for executives who fly frequently and can use premium credits. Over $1,000 in annual credits can offset the $695 fee. The 150,000-point welcome bonus is among the largest available and worth $1,500+ toward travel with the right transfer partners.

2
Capital One Spark Cash Plus

Capital One Spark Cash Plus

5% on Hotels (Capital One)

Capital One · $150 annual fee

A premium business charge card (no preset limit) earning unlimited 2% back on all purchases. The $1,200 welcome bonus is one of the most generous available for business cards. Unlike credit cards, the balance must be paid in full monthly — great for disciplined businesses with large, variable expenses.

3
Brex Card

Brex Card

5x on Travel (via Brex)

Brex · No annual fee

A charge card designed for startups and tech companies. Incredible bonus categories (8x rideshare, 5x travel, 4x dining) and built-in expense management. No personal guarantee and no annual fee, but you must pay the balance in full each month.

4
Capital One Spark Miles for Business

Capital One Spark Miles for Business

5x on Hotels (Capital One)

Capital One · $95 annual fee

A straightforward business travel card earning 2x miles on everything — no categories to track. Miles transfer to Capital One's 15+ travel partners including Air Canada, Turkish Airlines, and Wyndham, giving you flexibility to book premium travel at excellent redemption rates.

5
Chase Ink Business Preferred

Chase Ink Business Preferred

3x on Travel

Chase · $95 annual fee

The top business travel rewards card for entrepreneurs and growing companies. The 90,000-point sign-up bonus is worth $1,125 toward travel via Chase, and 3x on key business categories like travel, advertising, and shipping adds up fast. Points transfer to 14 airline and hotel partners at 1:1 ratio.

6
American Express Business Gold

American Express Business Gold

3x on Airfare via Amex Travel

American Express · $295 annual fee

The intelligent business rewards card that automatically gives you 4x Membership Rewards points on whichever two eligible categories you spend most in each month. Whether your biggest costs are advertising, shipping, or dining, the card adapts. Points transfer to 20+ travel partners for outsized value.

7
Bank of America Business Advantage Cash Rewards

Bank of America Business Advantage Cash Rewards

3% on Your chosen category (gas, travel, office, etc.)

Bank of America · No annual fee

A flexible no-annual-fee business card that lets you choose where to earn 3% — gas, travel, office supplies, business consulting, and more. Bank of America Preferred Rewards for Business members can boost the 3% rate up to 5.25%, making it extremely competitive.

8
Chase Ink Business Cash

Chase Ink Business Cash

Chase · No annual fee

The best no-annual-fee business credit card for companies spending on office supplies and telecom. Earn 5% cash back at office supply stores, on internet, cable, and phone services — categories that most businesses use heavily. The $750 welcome bonus after just $6,000 spend makes the first year especially lucrative.

Annual value math — American Express Business Platinum at Airbnb

Typical spend

$2,500

per year at Airbnb

Earn rate

5x

on Flights (Amex Travel)

Annual value

$188

rewards earned per year

Pro tips for maximizing rewards at Airbnb

  • Airbnb codes as 'Travel' for Chase cards
  • Some cards code Airbnb as 'Other Travel' at 2x-3x
  • Book through Chase Travel portal for extra value

More card picks for Airbnb

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Frequently asked questions

What is the best business credit card for Airbnb?

Our top pick is the American Express Business Platinum — it's a business card that earns 5x on Flights (Amex Travel), which applies to Airbnb purchases. With typical spending of $2,500/year at Airbnb, that's about $188/year in rewards.

Do Airbnb purchases count as Travel?

Airbnb purchases typically code as Travel or Other Travel or Hotels depending on the issuer. Card networks determine merchant category codes (MCC), so coding can vary between Visa and Mastercard for the same retailer.

Is a business card worth it just for Airbnb?

A business card is only worth it if its broader utility matches your spending. The Airbnb fit is a bonus — not the primary reason to open one.

Any pro tips for using a card at Airbnb?

Airbnb codes as 'Travel' for Chase cards Some cards code Airbnb as 'Other Travel' at 2x-3x Book through Chase Travel portal for extra value

How much can I earn per year on Airbnb with a business card?

At the typical Airbnb spend of $2,500/year and the 5x earn rate on our top pick, you'd earn about $188/year — more than enough to justify the card.