Understanding Airbnb MCC Codes
Airbnb bookings typically code as MCC 4722 (Travel Agencies) or MCC 7011 (Lodging). Some cards specifically exclude MCC 4722 from online shopping bonuses, so it's important to check before booking.
Airbnb MCC Codes
Best Credit Cards for Airbnb
1. Woman's World MasterCard
Rewards Rate: 4 MPD
Eligible: Not excluded
Spend Cap: Cap at $1,000 a month
Conditions: Online spend only
View all cards for MCC 47222. UOB Visa Signature
Rewards Rate: 4 MPD
Eligible: Not excluded
Spend Cap: Must spend between $1,000 to $1,200 via contactless and $1,000 to $1,200 for FCY
Conditions: Offline: Local contactless spend between $1,000-$1,200 | FCY: Foreign currency transactions between $1,000-$1,200
View all cards for MCC 47223. UOB Lady's Card
Rewards Rate: 4 MPD
Eligible: Eligible under Travel category
Spend Cap: Cap at $1,000 per calendar month per bonus category
Conditions: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.
View all cards for MCC 47224. UOB Lady's Solitaire
Rewards Rate: 4 MPD
Eligible: Eligible under Travel category
Spend Cap: Cap at $750 per calendar month per bonus category
Conditions: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.
View all cards for MCC 4722Cards That Do NOT Earn Bonuses on Airbnb
- HSBC Revolution — Not in whitelist
- OCBC Rewards — Not in whitelist
- UOB Preferred Platinum Visa — Not in whitelist
- Citibank Rewards MasterCard — Excluded in blacklist
- UOB KrisFlyer — Not in whitelist
Tips to Maximize Airbnb Rewards
- Use UOB PPV for 4 MPD on Airbnb bookings
- Be aware that Citi Rewards may exclude Airbnb from bonuses (MCC 4722 exclusion)
- Book directly through the Airbnb website or app for consistent MCC coding
Frequently Asked Questions
What MCC code does Airbnb use?
Airbnb uses MCC 4722 (Travel Agencies) or MCC 7011 (Lodging) depending on the booking type.
Does Citi Rewards earn bonuses on Airbnb?
Citi Rewards may exclude Airbnb due to MCC 4722 being in their travel exclusion list. Use UOB PPV or HSBC Revolution instead.
Last Updated: April 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.