Jet credit cards for private travel

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

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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.

Our pick to charter a private jet

Luxury Card Mastercard® Black Card™

  • Stainless steel—Outweighs the competition with 22 grams
  • 2% point value when you redeem for airfare
  • 1.5% point value when you redeem for cash back
  • Enjoy 24/7 access to Luxury Card Concierge
  • $100 annual airline credit toward qualifying airline purchases
  • $100 Global Entry application fee credit
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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 Card3% cash back for the first year, then 2.5%1 cent each3% 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.

Chase Freedom Unlimited®

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%.

  • Unlimited 1.5% cash back on every purchase.
  • $150 bonus after you make $500 in purchases within the first 3 months of opening your account.
  • No annual fee.
  • To get the best rate, you’ll need an Ultimate Rewards card such as the Chase Sapphire Preferred® Card. Transfer your points to select travel partners.
  • No bonus categories.
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

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.

  • Excellent flat-rate rewards on the first $50,000 spent each year.
  • No annual fee (see rates & fees).
  • You must transfer points to get the best rewards rate.
  • Each year, you can earn 2x points only on up to $50,000. After that, you’ll earn just 1x points.
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

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.

  • Accelerated rewards at US supermarkets and US gas stations.
  • You must transfer points to get the best rewards rate.
  • $95 annual fee.
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

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.
  • 2x miles on every purchase.
  • $0 intro annual fee for the first card year, then $95.
  • You must transfer miles to get the best rewards rate.
  • $95 annual fee starting the second card year.
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

If you don’t want to worry about point or mile transfers, strongly consider this card. You’ll earn a top-notch 3% cash back during your first card year — with no cap on spending — and 2.5% cash back starting your second card year.
  • 3% cash back on all purchases during your first card year. After that, earn 2.5% cash back on all purchases.
  • You don’t have to transfer rewards to get max value.
  • Annual fee waived for the first card year.
  • Cash back drops to 2.5% on all purchases starting your second card year.
  • $99 annual fee 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

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.
  • 2x points on travel and dining. 1.5x points on all other purchases.
  • $95 annual fee.
  • You must be a Platinum Honors member to get the highest rewards rate.
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 2019

For several months, Chase revamped the Chase Freedom Unlimited®‘s signup bonus to accelerated cash back for the first card year. However, it reverted the offer in October 2019 to a traditional bonus after you spend a certain amount on your card.

Compare jet credit cards for private travel

Name Product Filter values Rewards Purchase APR Annual fee
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
16.74% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
16.74% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1x points on all purchases with 2% point value when you redeem for airfare or cash back
16.74% variable
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
2x miles on all purchases and 10x miles at hotels.com/venture
17.49%, 22.24% or 24.74% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
1.5% cash back on all purchases
0% intro for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn a $150 signup bonus after spending $500 in the first 3 months from account opening.

Compare up to 4 providers

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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