5 Best Small Business Credit Cards for Airbnb Hosts

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I recently shared how becoming an Airbnb host can help folks make extra money.

As a host, you can qualify for a small business credit card.  This is a great way to separate your personal and business expenses and earn miles & points or cash back at the same time!

Best Cards For Airbnb Hosting Expenses 2017

You Can Qualify for a Small Business Card as an Airbnb Host, Which Is a Terrific Way Boost Your Miles & Points Balances!

I’ll share the 5 best cards for Airbnb hosting expenses.

Most Airbnb Hosts Qualify for Small Business Cards

Link:   How to Qualify for a Small Business Credit Card (And Why You Should Get One!)

To qualify for a small business card, you must be for-profit.  Most Airbnb hosts meet this criteria if they generate income renting their home.

Keep in mind, you don’t have to rent your home every day to be considered a small business.  Even if you only host a few weeks a year, you might be eligible.  Because certain banks, like AMEX, don’t have strict income requirements for small business cards.

There are lots of Airbnb host expenses that can go on a small business card, like:

  • Bedding and linens
  • Cleaning products and supplies
  • Snacks and drinks for guests, like coffee, tea, or wine
  • Maid or turnover service
  • Breakfast foods
  • Key copies
  • Cable, internet, and telephone service
  • Furniture
  • Kitchen appliances and dishes
  • Rent or mortgage payments
  • Shipping (in case your guests forget something)
Best Cards For Airbnb Hosting Expenses 2017

Earn Miles, Points, or Cash Back With a Small Business Card When You Buy New Sheets for Your Airbnb Rental

Several Million Mile Secrets team members have Airbnb listings.  And they use Plastiq to pay their rent or mortgage payments using a credit card.

Keep in mind, there’s a fee for using this service.  But it can be useful if you’re working to meet minimum spending requirements to earn the sign-up bonus on a new credit card.

Best Cards for Airbnb Hosting Expenses

For certain expenses, there are several cards that might be a good fit to earn you miles, points, or cash back.  The best rewards to earn will depend on your travel goals.

1.   Chase Ink Business Cash

Link:   Ink Business Cash℠ Credit Card

Link:   My Review of the Chase Ink Cash

The no annual fee Chase Ink Cash card is great for Airbnb hosts because you earn:

  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
  • 2% back back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% cash back on all other purchases

So you can earn bonus cash back just by paying your internet and cable TV bill for your Airbnb business.  And consider purchasing cleaning supplies at office supply stores like Staples to also earn extra rewards.

The points you earn with this card can be worth much more if you also have the Chase Sapphire PreferredChase Sapphire ReserveInk Business Preferred, Chase Ink Plus (no longer available), or Chase Ink Bold (no longer available).

Because you can combine flexible Chase Ultimate Rewards points between card accounts and transfer them to amazing travel partners like Southwest and Hyatt.

Best Cards For Airbnb Hosting Expenses 2017

Earn Valuable Chase Ultimate Rewards Points With the Ink Cash and Combine Them With Another Eligible Chase Card to Transfer Directly to Southwest and Other Terrific Travel Partners

When you open the Chase Ink Cash card, you’ll earn 30,000 Chase Ultimate Rewards points after you spend $3,000 on purchases in the first 3 months from account opening.

Keep in mind, this card is impacted by Chase’s tougher application rules.  If you’ve opened ~5 or more credit cards (from ANY bank) in the past 24 months, (excluding certain business cards) it’s unlikely you’ll get approved for the Ink Cash.

2.   AMEX SimplyCash Plus

Link:   SimplyCash® Plus Business Credit Card from American Express

Link:   My Review of the SimplyCash® Plus Business Credit Card from American Express

The no annual fee SimplyCash® Plus Business Credit Card from American Express is ideal for Airbnb hosts who want to earn cash back.

With this card, you earn:

  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and US office supply stores
  • 3% cash back on one category of your choice (like airfare, gas stations, restaurants, and computer hardware & software)
  • 1% cash back on all other purchases

Similar to the Ink Cash, you can earn 5% cash back making purchases for your Airbnb at office supply stores where you might find good deals on furniture or computer equipment like wireless routers.

Best Cards For Airbnb Hosting Expenses 2017

Shop at Staples With the AMEX SimplyCash Plus Card and Earn 5% Cash Back on Purchases

For a limited time, you can earn $200 cash back after spending $5,000 on purchases within the first 6 months of card membership.  Plus, earn an additional $200 cash back after you spend an additional $10,000 on purchases within the first year of card membership.

The regular offer does NOT include the additional $200 cash back after spending $10,000.

3.   AMEX Business Platinum

Link:   The Enhanced Business Platinum® Card from American Express OPEN

Link:   My Review of the AMEX Business Platinum

The AMEX Business Platinum card can be good for Airbnb hosts who make large purchases.  Because you earn 1.5X AMEX Membership Rewards points on single purchases of $5,000+.

To get the benefit of the bonus points on large purchases, you might consider using Plastiq to pay bills that don’t normally accept a credit card like:

  • Rent
  • Mortgage
  • Income taxes
  • Property taxes

Keep in mind, you’ll pay a fee to use Plastiq.  So do the math to see if earning the extra points makes sense.

And this card is good for folks who like travel.  Because you earn flexible AMEX Membership Rewards points, which transfer directly to dozens of travel partners.

Best Cards For Airbnb Hosting Expenses 2017

Earn AMEX Membership Rewards Points With the Business Platinum Card and Transfer Points Directly to Airline Partners, Like Delta

The card is currently offering a sign-up bonus of up to 75,000 AMEX Membership Rewards points after meeting tiered minimum spending requirements.

You’ll earn 50,000 AMEX Membership Rewards points after you spend $10,000 in the first 3 months of account opening.  And an extra 25,000 AMEX Membership Rewards points after you spend an additional $10,000 on qualifying purchases within the same timeframe.

That’s a substantial amount!  So don’t forget to check out my post about ways to meet high spending requirements.

With the AMEX Business Platinum Card, you also get:

The card has a $450 annual fee, which is NOT waived.

Note:   Check out this post explaining important changes to the Pay With Points rebate.

4.   AMEX Starwood Business Card

Link:   Starwood Preferred Guest® Business Credit Card from American Express

You don’t earn a bonus on everyday purchases with the AMEX Starwood small business card.  But the points you earn are extremely valuable!  So putting all of your Airbnb host expenses on this card can make it easier to boost your Starwood points balance.

Then, redeem Starwood points for:

You might even use Starwood points to stay a hotel near your home while it’s being rented.

Best Cards For Airbnb Hosting Expenses 2017

Renting Your Airbnb in Orlando? You Could Use Starwood Points for a Staycation at the Aloft Orlando Downtown

And sometimes, AMEX has targeted promotions to earn bonus Starwood points after meeting a spending requirement.

The current sign-up bonus on the AMEX Starwood small business card is 25,000 Starwood points after spending $5,000 on purchases in the first 3 months of account opening.

And the card’s $95 annual fee is waived the first year.

5.   Capital One Spark Cash

Link:   Capital One Spark Cash Select for Business

Link:   My Review of the Capital One Spark Cash Select for Business

If you want to earn cash back and don’t want to bother with bonus categories, you might consider the no annual fee Capital One Spark Cash Select card.

With this card, you earn unlimited 1.5% cash back with every purchase.

Best Cards For Airbnb Hosting Expenses 2017

With the Capital One Spark Cash Select Card, You’ll Earn 1.5% Cash Back on ALL of Your Airbnb Host Expenses With No Limits!

This card also has a $200 sign-up bonus after you spend $3,000 on purchases within the first 3 months.

But the downside is that Capital One pulls your credit score from all 3 credit bureaus.  Folks in the miles & points hobby don’t like this because the more credit inquiries you have on your report, the more difficult it is to be approved for other credit cards.

Bottom Line

As an Airbnb host, you can qualify for a small business card, which is a great way to track your expenses.  But it can also help you earn miles, points, or cash back.

The top 5 cards I recommend for Airbnb hosts are:

The best card depends on your travel goals.  Because some cards earn cash back, while others earn flexible points you can transfer to airline and hotel partners.

If you’re an Airbnb host, which card do you use for business expenses?

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Editorial Disclaimer: Neither the responses below nor the editorial content on this page are provided or commissioned by the bank advertisers, and have not been reviewed, approved or otherwise endorsed by the bank advertisers. Opinions expressed here are the author’s alone, not those of the bank advertisers. It is not the bank advertisers’ responsibility to ensure all posts and/or questions are answered.

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