How to earn maximum points for Airbnbs, hostels, campgrounds and more

Jul 17, 2020

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Hostels, guesthouses, family-run pensions, campgrounds and Airbnbs can provide a great lodging experience. Unfortunately, these types of properties rarely belong to a points program. However, there are still plenty of options to earn points or get cash back when staying at independent properties. Some earning strategies are straightforward and universal; others take a few steps for double or triple dipping.

Today, we’re going to break down the best way to book and maximize your earnings on these less conventional lodging options. As you’ll see, each site has its own benefits and strengths. But first, we need to cover some basics.

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In This Post

Pick the right portal

We’ve talked plenty about using online shopping portals and how they can help you earn extra rewards on online lodging reservations. There are a number of shopping portals out there, so getting started can be overwhelming. But one website greatly simplifies the process: Cashback Monitor.

Cashback Monitor tells you how much cash back or how many points you’ll earn using different reward portals for a given website. It’s laid out simply and will even link you directly to the portal you choose.

(Photo by Cashback Monitor)
(Photo by Cashback Monitor)

For cash back portals, there are many shopping portals but the most popular tend to be Rakuten and Top Cashback. Rakuten offers a handy browser extension that will notify you when you are on a website where you can earn cash back. You simply have to click the “activate” button and you’ll earn rewards for qualifying bookings. Also, Rakuten gives you the option to earn Amex Membership Rewards points instead of cash back.

While all of that sounds great, you should always compare Rakuten’s rates with other portals via Cashback Monitor. Often times, it’s Top Cashback. Keep in mind that airline, hotel and even credit card portals sometimes offer enticing returns as well.

Related: Maximizing shopping portals for your online purchases

Use the right credit card

Generally speaking, the Chase Sapphire Reserve and American Express® Green Card are the best cards to use for Airbnbs, hostels and campgrounds. Both cards earn 3x points on lodging and both Chase Ultimate Rewards or Amex Membership Rewards points are valued at 2 cents each. Paying with either of these cards is the easiest way to earn at least 6% back on your bookings. Otherwise, you can use another card that earns bonus points on travel.

One big exception is if the property can be booked directly online and you’re staying for at least four nights. In this case, the 4th-night free benefit on the Citi Prestige® Card can save you serious cash. Unfortunately, many less conventional independent properties don’t qualify and this benefit is capped at twice per year.

The information for the Citi Prestige and Amex Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

You can also use miles earned with the Capital One Venture Rewards Credit Card to erase travel charges on your statement, which works great when redeeming other points isn’t an option.

Related: Best travel credit cards for travel purchases

If you’re booking an Airbnb

Rumblings of an Airbnb loyalty program have been around for a while, but so far, nothing has materialized. However, there are several stackable options to earn a decent return on your stay.

Airline Airbnb portals

Delta and British Airways both have Airbnb portals that allow you to earn miles on your bookings. All you have to do is go to this link for Delta or this link for British Airways, click through, enter your frequent flyer number and you’ll be taken to Airbnb’s website. Any booking made during your session will earn you one Delta SkyMile or two British Airways Avios per dollar spent.

Related: 15 tips that will help you score the perfect Airbnb every time

Earn one Delta Skymile
Earn one Delta mile per dollar spent on Airbnb. (Photo by Delta/Airbnb)

Buying Airbnb gift cards

If you’re planning to rent an apartment or home for your trip, be sure to check your local pharmacies, office supply stores or grocery stores for Airbnb gift cards. If you have cards that earn bonuses at any of these merchants, it can help boost your earnings significantly. 

Otherwise, purchasing Airbnb gift cards through the Mileage Plus X App will currently earn you 2 Mileage Plus miles per dollar spent, plus a 25% bonus, if you have a co-branded card like the United Explorer Card, which you don’t actually have to use.

If you’re seeking simplicity, Chase and Amex code Airbnb as a travel provider, so you can still get 3x points using the Chase Sapphire Reserve or Amex Green.

Related: A guide to the best credit cards for Airbnb stays

Reserving stays through has its own loyalty program that awards you a “free” night after 10 paid nights. The free night is worth the average value of the 10 paid nights, so this works out to be a 10% return. That’s a better return than you get with the rewards programs of other popular online travel agencies like Orbitz or Expedia,

That said, doesn’t always have the lowest prices on stays, and it doesn’t factor many taxes and fees until a few steps into the booking process. It also doesn’t have as many alternate lodging options as other sites. Still, when a property is listed on, it usually ends up being the best value when factoring in the overall return.

When you’re using is probably the most popular site for alternate lodging. It has a huge selection of independently-run guesthouses and has been increasing its hostel offering hostels too. You can even reserve campsites and igloos, among other lodging options. has a “Genius Loyalty” program that isn’t as great as the name makes it sound. After completing two stays in two years, you’ll unlock savings of 10% or more at select properties. Completing five stays in two years gets you discounts of up to 15% plus free breakfast and room upgrades, based on availability. There are no points earned on bookings. 

While it doesn’t compare to the loyalty programs of traditional chains, it may still help you score a discount on properties that can’t be booked online elsewhere.

The real value for this site is found through shopping portals. Both Rakuten and Top Cashback usually offer 6 to 7% cash back.

Related: The complete guide to the Genius loyalty program

Earning from my Top Cashback profile for this trip - the savings do add up. earnings from a TPG staffer’s Top Cashback profile. The savings do add up. (Photo by Top Cashback)

Booking shared stays on Hostelworld

While there are advantages to booking directly with hostels, remains the go-to site for online hostel bookings.

More and more hostels are appearing on, which also has preferable cancellation policies. Hostelworld, on the other hand, charges a nonrefundable “down payment” on all bookings made less than 14 days in advance and some made further in advance, depending on the rate. Meanwhile, and allow you to cancel according to the accommodation’s refund policy, which is often fully refundable.

If you do need to book through Hostelworld, you can typically use Top Cashback to earn returns on this down payment (which is at least 15% of the price of the stay). With Top Cashback currently offering 25% back on this down payment, you’ll get a return of at least 3.75% on your stay. As you can see, you may be able to get even more back through another portal. The remaining balance will be paid directly to the property on arrival.

(Photo by Cashback Monitor)

If you book any of these properties directly online, via email or through Hostelworld, you’ll usually owe a balance on arrival. Occasionally, these properties tack on a surcharge for credit card payments. Compare the surcharge to the value of your return to decide if it’s better to pay with cash or a credit card. 

For example, if the surcharge is 3% and you pay with your Chase Sapphire Reserve, you’re getting greater than a 3% return (since you’ll earn 3x points worth 2 cents apiece). So it’s still best to pay with the card. And for dealing with cash while abroad, see TPG’s full guide on avoiding fees on foreign currencies.

Related: 6 tips for picking the perfect hostel every time

Bonus: Marriott Homes & Villas

Last year, Marriott entered the vacation rental market with the launch of Homes & Villas by Marriott International. These homes are available for both paid and award reservations.

Paid reservations at any of these properties earn 5 Marriott Bonvoy points per dollar spent on the base price (excluding cleaning fees and add-ons). Plus, each night will count toward your Marriott elite status qualification

These rentals will almost always impose stricter cancellation policies than Marriott’s usual brands, but are often more flexible than Airbnbs. Many homes allow you to cancel within 30 days without a penalty, or for a limited time due to the pandemic, within 10 days for only a $75 credit card processing fee.

On the redemptions side, Marriott appears to offer a fairly consistent redemption value of 0.6 cents per point. However, the process for redeeming points is a bit convoluted and may require you to contact the reservations team.

Related: I earned 15,000 Marriott points just by renting a home for 10 days — here’s how

(Photo by Scott Mayerowitz/The Points Guy)
A Marriott vacation home in Cape Cod. (Photo by Scott Mayerowitz/The Points Guy)

Bottom line

You don’t need to stay at a major chain hotel to earn or redeem points on your lodging. Using these tips and tricks, you’ll be able to earn rewards on everything from campsites and hostels to igloos, independent boutique hotels, Airbnbs and more. Even if you don’t travel often, you’ll see that these points add up pretty quickly.

Additional reporting by Brian Biros.

Feature photo by Alex Eggermont/Getty Images.

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