Guide: How To Save On Airbnb With Points?

Updated May 8, 2026
Fact checked by
Marie-Ève Leclerc
Marie-Ève Leclerc Marie-Ève Leclerc
Marie-Ève, Web Director at Milesopedia, is an expert in budget travel and a slow travel enthusiast. Specializing in Aeroplan, Scene+, and Marriott Bonvoy programs, she spends nearly six months a year abroad, making travel her way of life. Constantly seeking the best waves to surf, excellent coffee, and strategies to extend her travels, she is often found in coworking spaces with fellow digital nomads or by the sea, watching the sunset.
All posts by Marie-Ève Leclerc
Guide: How To Save On Airbnb With Points? - Airbnb
To the point Learn how to save big on your Airbnb apartment rentals by using credit card points!

In many ways, hotels will have a hard time winning this fight, even though with some brands like Residence Inn / TownePlace Suites from Marriott Bonvoy, it’s possible to find larger accommodations that include a kitchen.

Within the Milesopedia community, we are frequently asked to find ways to reduce the cost of alternative accommodations such as Airbnb. It’s possible with certain rewards programs and credit cards! Milesopedia sheds some insight.

To save on Airbnb stays, you will need to use travel points. All credit card issuers have travel point programs.

Among the best travel points programs in Canada, several stand out:

Credit Cards to Save Money on Airbnb

American Express – Membership Rewards

With the Membership Rewards program, you can redeem 1,000 points for a $10 credit on Airbnb, or 10,000 points = $100.

Use your points to travel to Colombia - cobalt airbnb

Here are 7 cards, that are part of the American Express Membership Rewards program, whose points can save you money on an Airbnb rental:

Scotiabank – Scene+

With the Scene+ program, you can apply your points directly to the Airbnb purchase made on one of the cards included in the program.

This means you can use 10,000 points for a $100 credit on hotels, a flight … or an Airbnb rental.

Scene+: How to redeem Scene+ points to save on travel - Redeem Scene+ points

The Scotiabank Passport™ Visa Infinite +* Card is one of the only cards in Canada that charges no foreign currency conversion fees AND offers 6 complimentary airport lounge passes.

The Scotiabank Gold American Express Card charges no foreign currency conversion fees. This card is exciting because of its accelerated earning rates for daily purchases and its excellent insurance.

National Bank – NBC À la Carte Rewards

With the NBC Rewards program, you can apply your points directly to an Airbnb purchase made with one of the cards participating in the program.

You can thus use 12,000 points for a $100 credit on Airbnb. If you redeem more than 55,000 points, each $100 in travel credit on Airbnb costs you only 11,000 points.

That’s 11,000 points = $100.

Here are the 3 cards that are part of the NBC Rewards program and whose points can save you money on an Airbnb rental:

CIBC – CIBC Aventura

With the CIBC Aventura program, you can apply your points directly to the Airbnb purchase charged to one of the program’s cards.

CIBC Aventura: Redeem 35% fewer points for any trip! - Aventura

This purchase is considered a travel purchase, and you can use 8,000 CIBC Aventura points for a value of $100.

BMO – BMO Rewards

With the BMO Rewards program, you can apply your points directly to your Airbnb purchase charged to any of the cards that are part of the program.

Car Rental: Save with Loyalty Points and Programs - Bmo Expedia Exchange Total Fr

This purchase is considered a travel expense, allowing you to redeem 15,000 BMO Rewards points for a $100 value.

AIR MILES

AIR MILES Cash Miles allow you to purchase electronic Airbnb gift cards! The options cater to all tastes and allow you to use 95 AIR MILES Cash Miles for every $10 gift card increment.

So, you can get up to $1,000 in Airbnb or other gift card value, thanks to the welcome offer of the BMO AIR MILES World Elite Mastercard, which includes up to 8,000 AIR MILES as a welcome bonus.

Guide: How To Save On Airbnb With Points? - Air Miles Airbnb

Follow our step-by-step guide to learn how to purchase Airbnb gift cards using your AIR MILES miles.

Booking Services and Experiences on Airbnb

In addition to traditional accommodation rentals, Airbnb now allows you to book experiences (guided tours, workshops, leisure activities) and services (private chef, in-home massage, personal coach, professional photography, etc.).

Here’s what you need to know:

  • You do not necessarily need to book accommodation to enjoy an experience or service: you can add an activity to a trip or even simply plan a “local getaway”.
  • Experiences cover a wide variety of themes: cooking, hiking, art, wellness, and even customized options for groups or teams.
  • Services can take place in the accommodation you have booked, provided the host allows it, or in another more suitable location.

Some useful tips:

  • Carefully check the host’s “required criteria” (minimum age, required skills, equipment, etc.).
    Airbnb
  • If you add it to an accommodation, check its house rules (some accommodations refuse certain services).
  • Consider booking early for popular experiences or those for groups.

Why it’s interesting from a “saving” perspective:

  • These activities can complement your trip without necessarily significantly increasing the overall budget.
  • If you use reward points or credit cards for travel, you should also check if your programs allow transferring or crediting these activity bookings.
  • Giving your trip a “unique” dimension (local workshop, private service) can add more value at a lower cost, compared to premium “all-inclusive” packages.
Guide: How To Save On Airbnb With Points? - Airbnb experiences FR

2026 FIFA World Cup: Save on your Airbnb with Flexible Points

As an official partner of the 2026 FIFA World Cup, Airbnb offers accommodations in all host cities. Unlike traditional hotels, you can take advantage of a flexible points program to reimburse your Airbnb bookings and other travel expenses.

How it works:

  1. Book your Airbnb as usual.
  2. Pay for the booking with a credit card that earns flexible points.
  3. Once the transaction is posted to your account, use your points to reimburse the cost of the Airbnb.

A very popular and easy-to-use program is Scene+. You earn Scene+ points with certain Scotiabank credit cards, at grocery stores (IGA, Safeway, Les marchés Tradition, Foodland, etc.), Scene+ Travel, restaurants, and through special offers.

Thanks to Scene+, 10,000 points are equivalent to $100 in travel credit. For example, for an Airbnb costing $425, you would use 42,500 points to reimburse the entire amount, costing you nothing! These points can also be used to reimburse a train ticket, a flight, or other accommodation.

A particularly interesting card for earning Scene+ points is the Scotiabank Passport™ Visa Infinite +* Card:

  • No foreign currency conversion fees, perfect for travelling to the United States or Mexico during the World Cup.
  • 6 complimentary airport VIP lounge passes to relax before and after your trip.
  • Attractive welcome offer to save on your next trip

Earning points:

  • 3 points per dollar at participating grocery stores (Sobeys, IGA, Safeway, Foodland, etc.)
  • 2 points per dollar at restaurants, entertainment venues, and on public transit, including abroad

Point redemption:

  • 1,000 points = $10 for any travel purchase (flights, hotels, all-inclusive packages, Airbnb)
  • You can also use your points as cash back at grocery stores at the same rate

Other Benefits:

  • No fees for foreign currency transactions
  • 6 complimentary airport VIP lounge passes
  • Comprehensive travel and purchase insurance
  • Concierge Service

The Scotiabank Passport™ Visa Infinite +* Card was voted Best No Foreign Transaction Fee Credit Card in 2024 and 2025, making it an excellent choice to maximize your Scene+ points during the FIFA World Cup 2026.

Bottom Line

Ultimately, the programs offering the greatest flexibility for reimbursing an Airbnb are American Express Membership Rewards and Scene+. For example, you could combine points earned on an American Express Cobalt® Card with those from an American Express® Gold Rewards Card, or take advantage of the welcome offer from the Scotiabank Passport™ Visa Infinite +* Card.

No matter which loyalty program you choose, you’re a winner! Enough to save hundreds of dollars, or even fully pay for your Airbnb accommodation with reward points.

Come to discuss that topic in our Facebook Group!
Caroline Tremblay
Caroline Tremblay
Caroline, a loyalty program specialist, helps families maximize their points to travel more frequently and affordably. With expertise in Disney, AIR MILES, and Costco, she travels the world with her partner and two children through rewards. Passionate about the latest in loyalty programs, Caroline shares tips to help you earn more points and turn your travel dreams into reality.
All posts by Caroline Tremblay
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