Airbnb hosting can be a rewarding and profitable venture, but it also comes with some challenges and expenses. You need to furnish, maintain, and market your property, as well as pay for utilities, taxes, and fees. That’s why having a good business credit card can make a big difference for your bottom line.
A business credit card can help you earn rewards on your Airbnb spending, get access to perks and benefits, and keep track of your expenses for tax purposes. Plus, you can build your business credit score and improve your chances of getting loans or financing in the future.
But not all business credit cards are created equal. Some offer more rewards, lower fees, or better features than others. And some are more suited for Airbnb hosts than others. To help you find the best business credit card for your Airbnb hosting needs, we’ve compiled a list of 10 of the best options for you in 2024. We’ve considered factors such as rewards rates, annual fees, welcome bonuses, benefits, and eligibility requirements.
Here are the 10 best business credit cards for Airbnb hosts in 2024:
1. American Express Blue Business Cash Card
The American Express Blue Business Cash Card is one of the best business credit cards for Airbnb hosts who want to earn cash back on every purchase. You can earn 2% cash back on up to $50,000 in purchases per calendar year, and 1% cash back thereafter. There’s no annual fee, and you can get a 0% introductory APR on purchases for the first 12 months. Plus, you can enjoy benefits such as purchase protection, extended warranty, car rental loss and damage insurance, and access to Amex Offers.
The best business credit card for Airbnb hosts who want to earn cash back on every purchase is the American Express Blue Business Cash Card. You can use the cash back to reinvest in your Airbnb business, pay off your bills, or treat yourself to something nice. And you don’t have to worry about categories, caps, or expiration dates. Just use your card for your Airbnb expenses and watch the cash back add up.
2. Chase Ink Business Preferred Credit Card
The Chase Ink Business Preferred Credit Card is one of the best business credit cards for Airbnb hosts who want to earn travel rewards. You can earn 3 points per dollar on the first $150,000 spent on travel, shipping, internet, cable, phone, and advertising purchases each account anniversary year, and 1 point per dollar on everything else. You can also earn a whopping 100,000 bonus points after spending $15,000 in the first 3 months. That’s worth $1,250 in travel when you redeem through Chase Ultimate Rewards. You can also transfer your points to partner airlines and hotels at a 1:1 ratio. The annual fee is $95, and you can get benefits such as cell phone protection, trip cancellation and interruption insurance, and roadside dispatch.
The best business credit card for Airbnb hosts who want to earn travel rewards is the Chase Ink Business Preferred Credit Card. You can use your points to book flights, hotels, car rentals, and more for your own travel or for your guests. You can also save money on your phone bill and travel insurance with the card’s benefits. And you can take advantage of the flexible redemption options and transfer partners to get the most value out of your points.
3. Capital One Spark Cash for Business
The Capital One Spark Cash for Business is one of the best business credit cards for Airbnb hosts who want to earn a flat rate of cash back on every purchase. You can earn 2% cash back on every purchase, with no limit or category restrictions. You can also earn a $500 cash bonus after spending $4,500 in the first 3 months. The annual fee is $95, but it’s waived for the first year. And you can get benefits such as free employee cards, fraud alerts, and no foreign transaction fees.
The best business credit card for Airbnb hosts who want to earn a flat rate of cash back on every purchase is the Capital One Spark Cash for Business. You can use the cash back to offset your Airbnb costs, invest in your business, or reward yourself. And you don’t have to worry about tracking categories, spending limits, or expiration dates. Just use your card for all your Airbnb purchases and enjoy the simplicity and convenience of the card.
4. Bank of America Business Advantage Cash Rewards Mastercard
The Bank of America Business Advantage Cash Rewards Mastercard is one of the best business credit cards for Airbnb hosts who want to earn cash back on specific categories. You can earn 3% cash back on a category of your choice, such as gas, office supplies, travel, or online advertising. You can also earn 2% cash back on dining and 1% cash back on everything else. The 3% and 2% cash back apply to the first $50,000 in combined purchases each calendar year, then 1% thereafter. You can also earn a $300 statement credit after spending $3,000 in the first 90 days. There’s no annual fee, and you can get a 0% introductory APR on purchases for the first 9 billing cycles. Plus, you can get benefits such as overdraft protection, travel and emergency services, and purchase security.
The best business credit card for Airbnb hosts who want to earn cash back on specific categories is the Bank of America Business Advantage Cash Rewards Mastercard. You can choose the category that best suits your Airbnb spending habits and maximize your cash back. You can also save money on interest and fees with the card’s introductory offer and no annual fee. And you can get access to useful benefits and services for your business and travel needs.
5. Wells Fargo Business Platinum Credit Card
The Wells Fargo Business Platinum Credit Card is one of the best business credit cards for Airbnb hosts who want to earn cash back or points with no annual fee. You can choose to earn either 1.5% cash back on every purchase, or 1 point per dollar on every purchase, plus 1,000 bonus points for every month you spend $1,000 or more. You can also earn a $500 cash back bonus or 50,000 bonus points after spending $3,000 in the first 3 months. You can get a 0% introductory APR on purchases and balance transfers for the first 9 months. And you can get benefits such as free employee cards, online banking, and expense management tools.
The best business credit card for Airbnb hosts who want to earn cash back or points with no annual fee is the Wells Fargo Business Platinum Credit Card. You can choose the rewards option that works best for you and your Airbnb business. You can also take advantage of the generous welcome offer and the introductory APR to boost your cash flow and save on interest. And you can enjoy the convenience and security of the card’s features and benefits.
6. American Express Business Gold Card
The American Express Business Gold Card is one of the best business credit cards for Airbnb hosts who want to earn flexible rewards on their top spending categories. You can earn 4 points per dollar on the two categories where you spend the most each billing cycle, from a list of six categories, such as airfare, gas, advertising, or dining. You can earn up to $150,000 in purchases per calendar year, then 1 point per dollar thereafter. You can also earn 70,000 bonus points after spending $10,000 in the first 3 months. The annual fee is $295, but you can get benefits such as a $100 annual airline fee credit, a 25% points rebate when you book flights through Amex Travel, and access to the American Express Global Lounge Collection.
The best business credit card for Airbnb hosts who want to earn flexible rewards on their top spending categories is the American Express Business Gold Card. You can earn more points on the categories that matter most for your Airbnb business, and use them for travel, gift cards, statement credits, or transfers to partner airlines and hotels. You can also save money and enjoy perks with the card’s benefits, such as the airline fee credit, the points rebate, and the lounge access.
7. Brex Card for Startups
The Brex Card for Startups is one of the best business credit cards for Airbnb hosts who run a startup or a tech company. You can earn 8 points per dollar on rideshare, 5 points per dollar on travel booked through Brex Travel, 4 points per dollar on restaurants, 3 points per dollar on recurring software, and 1 point per dollar on everything else. You can also earn 50,000 bonus points after spending $1,000 in the first 30 days. There’s no annual fee, no personal guarantee, and no credit check. You can get benefits such as discounts and credits on popular services like AWS, Google Ads, and Zoom.
The best business credit card for Airbnb hosts who run a startup or a tech company is the Brex Card for Startups. You can earn more points on the categories that are essential for your business growth, and use them for travel, cash back, or transfers to partner airlines and hotels. You can also save money and access valuable resources with the card’s benefits,
8. Chase Ink Business Cash Credit Card
The Chase Ink Business Cash Credit Card is one of the best business credit cards for Airbnb hosts who want to earn cash back on everyday purchases. You can earn 5% cash back on the first $25,000 spent on office supply stores, internet, cable, and phone services each account anniversary year, 2% cash back on the first $25,000 spent on gas stations and restaurants each account anniversary year, and 1% cash back on everything else. You can also earn a $750 cash bonus after spending $7,500 in the first 3 months. There’s no annual fee, and you can get a 0% introductory APR on purchases for the first 12 months. And you can get benefits such as free employee cards, fraud protection, and extended warranty.
The best business credit card for Airbnb hosts who want to earn cash back on everyday purchases is the Chase Ink Business Cash Credit Card. You can use the cash back to cover your Airbnb expenses, such as internet, phone, gas, and dining. You can also take advantage of the generous welcome bonus and the introductory APR to boost your cash flow and save on interest. And you can enjoy the security and convenience of the card’s features and benefits.
9. American Express Business Platinum Card
The American Express Business Platinum Card is one of the best business credit cards for Airbnb hosts who want to enjoy luxury travel perks and benefits. You can earn 5 points per dollar on flights and prepaid hotels booked through Amex Travel, 1.5 points per dollar on purchases of $5,000 or more, and 1 point per dollar on everything else. You can also earn 85,000 bonus points after spending $15,000 in the first 3 months, and 5,000 bonus points after spending $20,000 in the first 6 months. The annual fee is $595, but you can get benefits such as a $200 annual airline fee credit, a $200 annual Dell credit, a $100 annual Global Entry or TSA PreCheck credit, and access to the American Express Global Lounge Collection, Fine Hotels & Resorts, and The Hotel Collection.
The best business credit card for Airbnb hosts who want to enjoy luxury travel perks and benefits is the American Express Business Platinum Card. You can use your points to book flights, hotels, car rentals, and more for your own travel or for your guests. You can also save money and enjoy perks with the card’s benefits, such as the airline fee credit, the Dell credit, the Global Entry or TSA PreCheck credit, and the lounge access.
10. CitiBusiness AAdvantage Platinum Select Mastercard
The CitiBusiness AAdvantage Platinum Select Mastercard is one of the best business credit cards for Airbnb hosts who are loyal to American Airlines. You can earn 2 miles per dollar on American Airlines purchases, gas stations, cable and satellite providers, car rentals, and telecommunications, and 1 mile per dollar on everything else. You can also earn 65,000 bonus miles after spending $4,000 in the first 4 months. The annual fee is $99, but it’s waived for the first year. And you can get benefits such as a free checked bag, preferred boarding, a 25% savings on inflight purchases, and a companion certificate after spending $30,000 in a year.
The best business credit card for Airbnb hosts who are loyal to American Airlines is the CitiBusiness AAdvantage Platinum Select Mastercard. You can use your miles to book flights, upgrades, and more on American Airlines and its partner airlines. You can also enjoy the convenience and comfort of the card’s benefits, such as the free checked bag, the preferred boarding, the inflight savings, and the companion certificate.
FAQs
Here are some frequently asked questions and answers about the best business credit cards for Airbnb hosts:
Q: Do I need a business credit card for Airbnb hosting?
A: While you don’t need a business credit card for Airbnb hosting, it can be a smart move to get one. A business credit card can help you separate your personal and business expenses, earn rewards on your Airbnb spending, get access to perks and benefits, and build your business credit score.
Q: How do I qualify for a business credit card?
A: To qualify for a business credit card, you need to have a business, even if it’s a small or side business. You also need to have a good personal credit score, as most business credit cards require a personal guarantee. You also need to provide some information about your business, such as its name, address, revenue, and tax ID number.
Q: How do I choose the best business credit card for my Airbnb hosting needs?
A: To choose the best business credit card for your Airbnb hosting needs, you need to consider several factors, such as:
- The rewards rate and categories that match your Airbnb spending habits
- The annual fee and interest rate that fit your budget
- The welcome bonus and benefits that add value to your card
- The eligibility requirements and application process that suit your business profile
Conclusion
Airbnb hosting can be a great way to earn extra income, but it also comes with some challenges and expenses. That’s why having a good business credit card can make a big difference for your bottom line. A business credit card can help you earn rewards on your Airbnb spending, get access to perks and benefits, and keep track of your expenses for tax purposes.
In this article, we’ve reviewed 10 of the best business credit cards for Airbnb hosts in 2024. We’ve considered factors such as rewards rates, annual fees, welcome bonuses, benefits, and eligibility requirements. Here’s a quick summary of the 10 best business credit cards for Airbnb hosts in 2024:
- American Express Blue Business Cash Card: Best for earning cash back on every purchase
- Chase Ink Business Preferred Credit Card: Best for earning travel rewards
- Capital One Spark Cash for Business: Best for earning a flat rate of cash back on every purchase
- Bank of America Business Advantage Cash Rewards Mastercard: Best for earning cash back on specific categories
- Wells Fargo Business Platinum Credit Card: Best for earning cash back or points with no annual fee
- American Express Business Gold Card: Best for earning flexible rewards on your top spending categories
- Brex Card for Startups: Best for earning points on startup and tech categories
- Chase Ink Business Cash Credit Card: Best for earning cash back on everyday purchases
- American Express Business Platinum Card: Best for enjoying luxury travel perks and benefits
- CitiBusiness AAdvantage Platinum Select Mastercard: Best for earning miles on American Airlines purchases
We hope this article has helped you find the best business credit card for your Airbnb hosting needs. If you have any questions or feedback, please feel free to leave a comment below. And if you’re ready to apply for a business credit card, you can use the links below to get started. Happy hosting!
