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Best Credit Cards for Airbnb for 2024

Written by
JT Genter
Edited by
Tracy Brackman
Updated on:
Content was accurate at the time of publication.
Why use LendingTree? We are committed to providing accurate content that helps you make informed money decisions. The content on this page has not been reviewed, approved or otherwise endorsed by any credit card issuer. We do maintain partnerships with some issuers, and our site may be compensated through those partnerships. Read our

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Winner: Best Credit Card for Airbnb

Chase Sapphire Reserve<sup>®</sup>

Chase Sapphire Reserve®

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The Chase Sapphire Reserve® takes the prize as the best credit card for Airbnb due to its $300 travel credit and 3x points earning rate on all travel purchases.

Best credit cards for Airbnb

Winner

Chase Sapphire Reserve®

Chase Sapphire Reserve<sup>®</sup> Chase Sapphire Reserve<sup>®</sup>
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.9
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Earn 3x points on general travel purchases, including Airbnb
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ 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.
Intro Purchase APRN/A
Annual Fee$550
Regular Purchase APR21.99% - 28.99% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • $300 annual travel credit that can be used for Airbnb stays.
  • 3x points on travel purchases or up to 10x through the Chase travel portal.
  • Premium travel perks: Priority Pass™ Select membership, Global Entry credit, travel and shopping protections.
  • The $550 annual fee provides a ton of value but may be tough to front.
  • 50% travel redemption bonus can’t be used for Airbnb stays.

No doubt about it: Chase Sapphire Reserve® is a premium travel credit card. That means premium perks like airport lounge access, Global Entry or TSA PreCheck application fee credit, and a $300 annual travel credit. The annual travel credit alone can more than halve the annual fee, but the $550 annual fee is going to be hard for some travelers to stomach.

If you can front the fee, you can use the annual travel credit to slash $300 off the cost of an Airbnb — or earn 3x points on the stay once your credit is used. Then, travel to your getaway in style by zipping through TSA PreCheck security before heading to the airport lounge.

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ 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
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Member FDIC

Best flat-rate

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card Capital One Venture Rewards Credit Card
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4.7
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Rates & Fees

Earn 2x points on general purchases and 5x on select travel purchases
2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
Intro Purchase APRN/A
Annual Fee$95
Regular Purchase APR19.99% - 29.74% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Simple earning structure of 2x miles on all purchases
  • Reasonable $95 annual fee
  • Premium perks without a high annual fee
  • No bonus category for travel purchases
  • No travel statement credit for travel purchases

Want premium travel perks but can’t justify the high annual fee of premium travel cards? The Capital One Venture Rewards Credit Card may be your Goldilocks card. Despite only a reasonable $95 annual fee, you’ll get premium travel perks like Global Entry or TSA PreCheck application fee credit and foreign transaction fees of None.

This card generally earns 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. You can redeem miles for any past travel purchase — such as Airbnb stays — or transfer miles to over a dozen Capital One airline and hotel partners.

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply

10x points

Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card Capital One Venture X Rewards Credit Card
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4.9
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Rates & Fees

Earn 2x points on all purchases and up to 10x on select travel purchases
2X Miles per dollar on every purchase, every day; 10X Miles per dollar on hotels and rental cars booked through Capital One Travel; 5X Miles per dollar on flights and vacation rentals booked through Capital One Travel
Intro Purchase APRN/A
Annual Fee$395
Regular Purchase APR19.99% - 29.74% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Simple 2x earning rate, with a bonus for booking through Capital One Travel
  • Travel perks: Global Entry/TSA PreCheck credit, airport lounge access, Hertz President’s Circle*
  • $300 travel credit for bookings through Capital One Travel
  • Hefty $395 annual fee
  • High credit score is recommended for approval

The Capital One Venture X Rewards Credit Card is a fairly new entrant into the premium travel credit card ecosystem. And Capital One clearly wanted to make a splash. Although sporting an annual fee far below its competitors, the Capital One Venture X Rewards Credit Card still delivers a slew of premium travel perks — including a Global Entry or TSA PreCheck application fee credit, airport lounge access via Priority Pass and Capital One’s growing network of lounges, Hertz President’s Circle.

The $395 annual fee is going to spook a lot of travelers, but the card can easily pay for itself. You’ll get a $300 travel credit for bookings through the Capital One travel portal. Plus, cardholders get an anniversary bonus of 10,000 miles each year. That’s worth at least $100 when redeemed for travel purchases. Maximize those two perks to get $400 in value, more than offsetting the annual fee.

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply

Airbnb gift cards

American Express® Green Card*

American Express® Green Card American Express® Green Card
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4
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Earn 3X Membership Rewards on travel purchases, including Airbnb
Earn 3X Membership Rewards® Points on eligible purchases at restaurants worldwide, including takeout and delivery in the US. Also earn 3X Membership Rewards® points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals. Additionally, earn 3X Membership Rewards® Points on transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways and 1X points on other Purchases.
Intro Purchase APRN/A
Annual Fee$150
Regular Purchase APRSee Pay Over Time APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • High earning rate of 3x points for travel, dining, and transit purchases
  • Statement credits for CLEAR Plus Credit (up to $189 annually, enrollment required) and LoungeBuddy (up to $100 annually, enrollment required)
  • Travel protections include car rental damage and lost baggage insurance*
  • Low cash-out value of points
  • Hard to justify a $150 annual fee if you can’t maximize travel perks

Earn — don’t burn — American Express points when paying for Airbnb using the American Express® Green Card. This card sports a solid earning rate of Earn 3X Membership Rewards® Points on eligible purchases at restaurants worldwide, including takeout and delivery in the US. Also earn 3X Membership Rewards® points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals. Additionally, earn 3X Membership Rewards® Points on transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways and 1X points on other Purchases.

Being able to earn 3X points on Airbnb purchases is excellent for a card with an affordable annual fee. But, to get the most out of your American Express® Green Card earnings, you’re going to need to get to know American Express Membership Rewards.

The best way to redeem Membership Rewards points directly for Airbnb is to redeem points for Airbnb gift cards. And you’ll only get a $70 Airbnb gift card for every 10,000 points redeemed.

To see rates & fees for American Express® Green Card please click here.

*Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
  • Earn 40,000 Membership Rewards® Points after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership. Plus, earn 20% back on eligible travel and transit purchases made during your first 6 months of Card Membership, up to $200 back in the form of a statement credit.
  • Earn 3X Membership Rewards® points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals.
  • Earn 3X Membership Rewards® Points on transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
  • Earn 3X Membership Rewards® points on eligible purchases at restaurants worldwide, including takeout and delivery in the US.
  • $189 CLEAR Plus Credit: Receive up to $189 per calendar year in statement credits when you pay for your CLEAR Plus membership (subject to auto-renewal) with the American Express® Green Card.
  • $100 LoungeBuddy: No airport lounge membership? No problem! Purchase lounge access through the LoungeBuddy app using the American Express® Green Card and receive up to $100 in statement credits annually.
  • Payment Flexibility: When it comes to paying your bill, you have options. You can always pay in full. You also have the flexibility to carry a balance with interest or use Plan It® to split up large purchases into monthly payments with a fixed fee, up to your Pay Over Time Limit. You may be able to keep spending beyond your limit – you’ll just need to pay for any new purchases in full when your bill is due.
  • Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per eligible account per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • No Foreign Transaction Fees: No matter where you’re traveling, when you use your American Express® Green Card there are no foreign transaction fees.
  • $150 annual fee.
  • Terms Apply.
*The information related to the American Express® Green Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Rewards on travel purchases

Chase Sapphire Preferred® Card

Chase Sapphire Preferred<sup>®</sup> Card Chase Sapphire Preferred<sup>®</sup> Card
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4.7
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Earn 2x on general travel purchases, including Airbnb
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Intro Purchase APRN/A
Annual Fee$95
Regular Purchase APR20.99% - 27.99% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Versatile points worth a minimum of 1 cent each
  • $50 hotel credit when you book a hotel through Chase Ultimate Rewards®
  • Top-tier protections for a sub-$100 annual fee card
  • 1x earning rate on everyday purchases trails competitors
  • 25% travel redemption bonus can’t be used for Airbnb stays

The Chase Sapphire Preferred® Card is a great starter travel card, recently made even better. Chase recently improved the card with a new $50 hotel credit, a 10% anniversary points bonus, and improved earning rates on dining, online grocery purchases, select streaming services, and travel purchased through the Chase Ultimate Rewards® travel portal.

The 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases And the 1x earning rate on all other purchases means it trails competitors like the Capital One Venture Rewards Credit Card. However, it remains a winner thanks to the card’s many other perks and protections.

  • Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
  • Member FDIC

Easy redemption of points

Bank of America® Travel Rewards credit card

Bank of America<sup>®</sup> Travel Rewards credit card Bank of America<sup>®</sup> Travel Rewards credit card
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4.3
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1.5 points per $1 spent on all purchases.
Intro Purchase APR0% Intro APR for 15 billing cycles for purchases
Annual Fee$0
Regular Purchase APRXX.XX% - XX.XX% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Simple earning rate of 1.5x points on all purchases, with additional bonuses for savers
  • Easy redemption of points for Airbnb stays or other travel purchases
  • $0 annual fee and foreign transaction fees of None
  • Low cash-out value of points
  • Hard to justify a $150 annual fee if you can’t maximize travel perks

If you’re looking for simple earning and redeeming with a $0 annual fee, the Bank of America® Travel Rewards credit card credit card takes the top prize. You’ll earn an 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, with no exceptions or bonus categories to remember. And you can redeem points for 1 cent each toward any dining or travel purchase. No award availability searches or complicated award charts required.

In addition to $0 annual fee, you won’t pay foreign transaction fees on international purchases. That’s a rare perk for a no annual fee card.

The card gets a lot more rewarding for savers. Bank of America Preferred Rewards® members can get up to a 75% boost on their earning rate. That boosts your effective earning rate as high as 2.625% — an excellent earning rate for everyday purchases.

  • 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 as long as your account remains open.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • X% Intro APR for XX billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently XX.XX% - XX.XX% will apply. A X% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is X%.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Travel rewards for online shopping

Prime Visa

Prime Visa Prime Visa
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4.2
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Earn 5% back at Amazon.com and physical Amazon stores with an eligible Prime membership
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases
Intro Purchase APRN/A
Annual Fee$0
Regular Purchase APR19.99%–28.74% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • 5% earning rate on Airbnb stays possible
  • No annual fee or foreign transactions fees
  • Solid travel protections — particularly for a no-annual-fee card
  • Roundabout way of earning bonus points
  • Best redemption options limited to Amazon purchases

While it isn’t a travel card, the $0 annual fee Prime Visa can be a top way to pay for Airbnb stays — in an unconventional way. Instead of paying for Airbnb stays directly, you can purchase Airbnb gift cards through Amazon in any increment you want and get it delivered to you by email.

As an Amazon purchase, you’ll earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases. This makes it as close as you’re going to get to an Airbnb credit card.

  • Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
  • Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
  • Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
  • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
  • Earn unlimited 1% back on all other purchases
  • No annual credit card fee
  • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
  • Member FDIC

Unlimited miles

Discover it® Miles*

Discover it<sup>®</sup> Miles Discover it<sup>®</sup> Miles
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4.3
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1.5 Miles per dollar on all purchases.
Intro Purchase APR0% Intro APR for 15 months
Annual Fee$0
Regular Purchase APR18.74% - 27.74% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Simple 1.5x earning rate on all purchases
  • Double earnings during the first year for new cardholders
  • No traditional sign-up bonus
  • No travel protections or premium travel perks

The Discover it® Miles lets you earn 1.5 Miles per dollar on all purchases. Instead of a traditional sign-up bonus, Discover matches your earnings from the first year for new cardholders shortly after your account anniversary. That means you’re effectively earning 3x miles for the first year as a cardholder — an excellent earning rate on everyday purchases. Miles can be used for any travel purchase posted in the past 180 days. So, you can plan an Airbnb stay around your first anniversary as a cardholder and utilize the Cashback Bonus® to slash or even eliminate the cost of your stay.

  • UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase
  • No annual fee
  • Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
  • 0% intro APR for 15 months on purchases. Then 18.74% - 27.74% Standard Variable Purchase APR will apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Terms and conditions apply.
*The information related to the Discover it® Miles has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best for Business

Ink Business Preferred® Credit Card

Ink Business Preferred<sup>®</sup> Credit Card Ink Business Preferred<sup>®</sup> Credit Card
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4.7
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on Chase's secure site

Earn 3x points on travel, including Airbnb stays
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.
Intro Purchase APRN/A
Annual Fee$95
Regular Purchase APR20.74% - 25.74% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • 3x earning rate in a variety of categories, including travel
  • Travel and shopping protections
  • Versatile points worth a minimum of 1 cent each
  • Must have a small business to qualify
  • Bonus earning rate is limited to $150,000 in spending per year

If you own a small business, the Ink Business Preferred® Credit Card is an excellent card for racking up points — on Airbnb stays and elsewhere. Despite a modest $95 annual fee, cardholders earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.

You’ll earn 3x points on Airbnb stays, since they fall under the Ink Business Preferred® Credit Card‘s broad travel category. These Ultimate Rewards points can be redeemed for cashback at 1 cent per point, for 1.25 cents toward travel purchased through Ultimate Rewards or for much higher value through Chase’s airline and hotel transfer partners.

  • Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC

High Earning Rate

The Blue Business® Plus Credit Card from American Express

The Blue Business<sup>®</sup> Plus Credit Card from American Express The Blue Business<sup>®</sup> Plus Credit Card from American Express
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3.8
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Rates & Fees
|Terms Apply

Earn 2x Membership Rewards points on up to $50,000 in purchases per year
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
Intro Purchase APR0% on purchases for 12 months from date of account opening
Annual FeeNo annual fee
Regular Purchase APR17.99% - 25.99% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • High 2x earning rate
  • No annual fee
  • 2x earnings limited to $50,000 in spending per calendar year
  • Low cash-out value of points
  • No travel protections or perks

The Blue Business® Plus Credit Card from American Express is an appealing card for small businesses looking to earn a high rate of Membership Rewards points for no annual fee. You’ll earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.

You’ll earn 2X Membership Rewards points on your Airbnb stays with The Blue Business® Plus Credit Card from American Express. Note, you can also redeem points for Airbnb stays through the Amex travel portal, but you’ll get a terrible redemption value (only 0.7 cents per point). You’re better off transferring these points to one of Amex’s transfer partners.

*To see rates & fees for The Blue Business® Plus Credit Card from American Express, please click here.
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.99% - 25.99%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
  • You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • No Annual Fee
  • Terms Apply.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

*Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

To see rates & fees for American Express® Green Card please click here.

*To see rates & fees for The Blue Business® Plus Credit Card from American Express, please click here.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which LendingTree receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). LendingTree  does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: LendingTree calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are LendingTree’s alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred® Card points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

To see rates & fees for American Express cards mentioned on this page, visit the links provided below:

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information related to the American Express® Green Card, Discover it® Miles and U.S. Bank Altitude™ Reserve Visa Infinite® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

JT Genter

JT is a freelance writer who has written about credit cards and points & miles since 2015. He published over 2,000 articles on The Points Guy and can now be found writing for ValuePenguin, NerdWallet, Forbes Advisor and AwardWallet. Since June 2017, JT and his wife have traveled full-time as digital nomads — using points, miles and credit card benefits to drastically reduce the cost of living on the road.

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