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Jet credit cards for private travel

You could earn up to a 4% rewards rate on jet travel.

Updated

Fact checked

Our pick to charter a private jet: Chase Freedom Unlimited®

Chase Freedom Unlimited® logo

Up to 5%

Cash back

  • Huge potential signup bonus for a no-annual-fee card
  • Unlimited 1.5% cash back
  • 5% back on Lyft
  • 5% at grocery stores on up to $12,000 in first year, then 1.5%
Apply now
If you use a credit card to spend considerably on jet travel, you might wonder if your purchases can help you earn bonus rewards. While the answer is yes they can, consider looking beyond travel credit cards to maximize your rewards.

Is there a credit card with bonus rewards on jet travel?

Credit cards don’t offer accelerated rewards on jet travel. However, some offer strong rewards no matter the purchase. You may want to consider such credit cards as your top choices for jet spending.

Why don’t credit cards offer bonus rewards on jet travel?

To reward you with points, miles or cash back, card providers must know what type of purchases you make. This is why purchases are coded under certain categories. For example, flights are coded as travel purchases and movie tickets as entertainment purchases.

Jet spending typically isn’t coded as travel, a typical bonus category. Instead, it’s usually classified as a non-bonus purchase, earning the base rewards rate.

What is the base rewards rate?

This is the lowest rewards rate your credit card offers. For example, your card might offer 2 points per dollar spent on travel — or “2x points” for short — and 1x points on all other purchases. The latter is your base rewards rate.

To get the best rate for jet travel, you typically want to look for cards that offer some type of point accelerator. We’ll talk about these in this guide.

How to get the best rewards on jet travel

Since jet spending usually doesn’t fall under travel purchases, consider cards that offer at least one of the following:

  • A base rewards rate higher than 1%.
  • A rewards boost to make your cash, points or miles worth more.
  • Transfers to travel partners, which could increase the value of your rewards in their respective loyalty programs.

Jet credit cards with the highest rewards

In this table, you’ll find cards with the best effective rewards rates on jet travel. You can calculate rates yourself with some simple math.

Credit cardRewards on jet travelRewards can be worth up to…Effective maximum value of rewards
The Blue Business® Plus Credit Card from American Express2x points on up to $50,000 in purchases each calendar year, then 1x points2 cents each if you transfer to travel partners4% on up to $50,000 in purchases each calendar year, then 2%
Chase Freedom Unlimited®Unlimited 1.5% cash back on all purchases.2 cents each if you transfer through an Ultimate Rewards card3%
Amex EveryDay® Preferred Credit Card1x base points or up to 1.5x points if you use your card at least 30 times in a month2 cents each if you transfer to travel partners3%
Capital One® Venture® Rewards Credit Card2x miles1.5 cents each if you transfer to travel partners3%
Alliant Cashback Visa® Signature Credit Card2.5% cash back for the first year, then 2.5%1 cent each2.5% for the first year, then 2.5%
Discover it® Miles Travel Credit CardEffective 3x miles during the first year after the Cashback Match, then 1.5x miles1 cent each3% for the first year, then 1.5%
Bank of America® Premium Rewards® credit card1.5x base points or up to 2.625x points as a Platinum Honors member in BoA Preferred Rewards1 cent each2.625%

Effective value of rewards is based on our calculations of the highest redemption value. Values should be used only as a general guide.

Best jet credit cards

Chase Freedom Unlimited®

Chase Freedom Unlimited®
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  • The Chase Freedom Unlimited® can give you great rewards on jet travel. To get the best rate, however, you’ll need to pair the card with an Ultimate Rewards product such as the Chase Sapphire Preferred® Card. This lets you transfer points to travel partners to boost the value of your rewards.For example, you’ll earn 1.5% cash back on all purchases with the Chase Freedom Unlimited®. If you can squeeze 2 cents from each point after a transfer, your points are effectively worth 3%.
  • Transfer points to Aer Lingus AerClub, Air France/KLM Flying Blue or Iberia Plus. Through these programs, Ultimate Rewards points can be worth up to 2 cents each according to our valuations.

Pro tip

Chase markets the Chase Freedom Unlimited® as a cashback product, but you’ll receive your rewards as points. You can redeem these points for cash back, gift cards, travel and more.

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express
  • Consider this if you need a business credit card. Qualifying for one can be easier than you think.
    You might earn better rewards with another card if you spend more than $50,000 a year on private jet travel.After you reach that purchase amount, The Blue Business® Plus Credit Card from American Express offers just 1x points for the rest of the year. This greatly reduces the rewards you’ll earn on jet spending.
  • Transfer points to Aer Lingus AerClub, Air France/KLM Flying Blue or Iberia Plus. Through these programs, Membership Reward points can be worth up to 2 cents each according to our valuations.

Amex EveryDay® Preferred Credit Card

Please note: All information about Amex EveryDay® Preferred Credit Card has been collected independently by Finder and this card is not available through this site.

Amex EveryDay® Preferred Credit Card
  • This card produces fine earnings on jet travel if you use it at least 30 times each billing period. If you do, you’ll earn 50% extra points.The Amex EveryDay® Preferred Credit Card can be useful outside of jet travel, too, as it offers accelerated rewards at US supermarkets and US gas stations.
  • Transfer points to Aer Lingus AerClub, Air France/KLM Flying Blue or Iberia Plus. Through these programs, Membership Reward points can be worth up to 2 cents each according to our valuations.

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card
  • The Capital One® Venture® Rewards Credit Card offers a reliable 2x miles on every purchase. That makes it a solid choice for purchases outside of jet travel too.
  • Transfer miles to Air France/KLM Flying Blue. According to our valuations, Capital One miles are worth 1.5 cents each when transferred to Flying Blue after accounting for the transfer ratio.

Alliant Cashback Visa® Signature Credit Card

Alliant Cashback Visa® Signature Credit Card
  • If you don’t want to worry about point or mile transfers, strongly consider this card. You’ll earn a top-notch 2.5% cash back during your first card year — with no cap on spending — and 2.5% cash back starting your second card year.
  • Luckily, you don’t need to transfer rewards to increase their value. You’ll earn a high cashback rate as you use your card.

Bank of America® Premium Rewards® credit card

Bank of America® Premium Rewards® credit card
  • While this card doesn’t offer the highest rewards rate on jet travel, it might be a natural choice if you’re a loyal Bank of America customer. Get a 1.5x base rate or up to a 2.625% rewards rate if you’re a Platinum Honors member in BofA Preferred Rewards thanks to a 75% points boost.
  • Maintain a qualifying combined balance of at least $100,000 in your BofA banking or Merrill investment accounts. You’ll receive a 75% rewards bonus.

How we chose our best credit cards for jet travel

We looked for cards with the highest rewards on jet travel, taking into account the possibility of boosting reward value through transfers. We listed cards with the highest effective rewards rates.

What’s changed in 2020

The Chase Sapphire Reserve® now has a higher annual fee. However, you’ll find accelerated Lyft rewards, complimentary memberships and DoorDash credits.

Compare jet credit cards for private travel

Name Product Filter values Rewards Purchase APR Annual fee
Luxury Card Mastercard® Titanium Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
14.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Luxury Card Mastercard® Black Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
14.99% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Luxury Card Mastercard® Gold Card™
1x points on all purchases with 2% point value when you redeem for airfare or cash back
14.99% variable
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
CardMatch™ from creditcards.com
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How can I use a jet credit card?

Pay for your jet fare with your credit card, and you’ll automatically receive your rewards within a period specified by your card provider.

If necessary, make enough purchases each month to get a rewards boost — such as with the Amex EveryDay® Preferred Credit Card.

If you must redeem points or miles to get the highest value, it’s time to research your options. The following guides will help you find the highest-value transfer partners:

Bottom line

Earning accelerated rewards for jet travel isn’t a cut-and-dry process, as this spending usually isn’t coded under bonus categories. But you can earn stellar rewards from non-travel credit cards.

If you’re used to flying in style, you might like a high-end credit card or you can compare cobranded airline cards to find something that’s right for you.

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