Renting a home this summer? Here’s your guide to redeeming credit card points for Airbnb

May 12, 2021

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Editor’s note: This post has been updated with new information.

Booking through Airbnb is frequently my lodging accommodation of choice. Between the extra space, comforts of home and one-of-a-kind properties across the platform, it’s no surprise that it’s a popular option for vacationers. 

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Since you’re reading TPG, you must be wondering — is it possible to redeem credit card points for Airbnb stays? The answer is yes, it is. However, using points for Airbnb isn’t something I typically would recommend. Let’s dive in to find out what your options are. 

This magical Airbnb near Atlanta will bring all your childhood dreams to life. (Photo courtesy of Airbnb)

In This Post

Redeeming points for Airbnb properties

Enjoy Santorini living in this gorgeous Airbnb. (Photo courtesy of Airbnb)

The first thing that you should know is that unlike all of the major hotel chains, Airbnb does not have a loyalty program. No matter how often you book through Airbnb, you will never earn a free stay directly through the platform. However, you can still leverage your credit card earnings and points. 

Related: Best credit cards to book Airbnb stays

Using a credit card travel portal

Airbnb is a platform — not an actual accommodation — so it usually isn’t possible to use credit card points to directly book an Airbnb through a travel portal such as Chase Ultimate Rewards or Amex Travel

However, some individual Airbnb properties are actually listed on other websites besides Airbnb. For instance, you can often find some homes and boutique hotels listed by professional property managers via online travel agencies, including the major credit card travel portals. In this case, you’ll be able to use the travel portal of your choice to book the property and redeem points that are in your account. 

Eat, pray and love in this secluded villa in Bali. (Photo courtesy of Airbnb)

Related: How to negotiate your Airbnb rate

For Chase fans, when you book travel through the Ultimate Rewards travel portal using your Chase Sapphire Reserve, your Ultimate Rewards points are worth 1.5 cents each. If you have the Chase Sapphire Preferred Card or Chase Ink Business Preferred Credit Card, each point is worth 1.25 cents each. 

Using points to ‘pay’ for an Airbnb purchase

(Screenshot courtesy of Capital One)

Another option to redeem your credit card points for Airbnb is to simply erase a purchase as a statement credit. This can be a valuable option for many fixed-point value credit card programs. 

For instance, while you can transfer miles to airline and hotel partners, Capital One also makes it easy to redeem miles for travel purchases up to 90 days after they are made. With just a few clicks, you can erase travel purchases directly from your statement. 

Related: Best Capital One cards 

Using points to buy Airbnb gift cards

Use your Ultimate Rewards points at a rate of 1 cent each for gift cards such as Airbnb. (Screenshot courtesy of Chase)

Some credit card programs feature Airbnb gift cards as a potential redemption option. For Chase Ultimate Rewards, it’s a 1 point for 1 cent conversion for gift cards. This isn’t a bad redemption opportunity, but your points could be worth more when transferring to airline and hotel partners — or with some cards, by using the Ultimate Rewards travel portal

Using your card’s travel credits 

Check out this gorgeous Airbnb Luxe stay in Barcelona. (Photo courtesy of Airbnb)

While not exactly using points, if your card comes with a travel credit, don’t forget that you may be able to use it for Airbnb stays. The Chase Sapphire Reserve, for instance, comes with a travel credit of $300 each account anniversary year which is automatically applied to an extensive range of travel costs, including Airbnb stays.

Should you redeem points for Airbnb stays?

Generally, I wouldn’t recommend it, but there are cases where it can make sense. This includes using points to erase a purchase or booking an Airbnb property that you can find through a credit card travel portal. 

Personally, I’d prefer to pay in cash and use a card that gets you a category bonus for Airbnb purchases, such as the American Express® Green Card or the Chase Sapphire Reserve. Then, I’d redeem those credit card points for airfare or other more lucrative travel options.

The information for the 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.

Paying with cash? Consider these cards

It’s not often that you can say you’ve stayed in a castle. This property is located in the Loire Valley of France. (Photo courtesy of Airbnb)

Airbnb typically codes as “travel” on your credit card statement. This means it will trigger any bonus points or annual credits offered in the travel category. 

My preferred card for Airbnb purchases is the Amex Green Card. You get 3x Membership Rewards points per dollar on the broad category of travel which includes flights, car rentals, hotels and home rentals (including Airbnb). Those 3x points equate to a 6% return based on TPG valuations. You’ll also get 3x on restaurant purchases and 3x on transit including ride-sharing services, subway swipes and tolls. The card comes with a $150 annual fee (see rates and fees). 

Another great option is to buy Airbnb gift cards from an office supply store with the Chase Ink Business Cash Credit Card. Going this route will earn you 5% cash back (on the first $25,000 in combined purchases each account anniversary year) or 5x Ultimate Rewards points when paired with a Chase Sapphire Preferred, Chase Sapphire Reserve or Chase Ink Business Preferred Credit Card

Bottom line

While it is possible, redeeming credit card points for Airbnb stays isn’t the most lucrative way to use your hard-earned rewards. If you have points with a transferable currency — such as Chase Ultimate Rewards or Amex Membership Rewards — it may make more sense to transfer and use those points toward higher value redemptions. 

However, if you’re just sitting on a pile of credit card points, know that you can redeem them for Airbnb stays too.

Additional reporting by Stella Shon.

Featured photo courtesy of Airbnb.

For rates and fees of the Amex Green, please click here.

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Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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