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The 9 Best Credit Cards for Booking Private Jet Travel [2024]

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The economics and sentiment around booking private jet travel have changed dramatically in the wake of the COVID-19 pandemic.

Well-heeled travelers, especially those who travel in larger groups, have been increasingly able to justify shelling out tens of thousands of dollars for the sake of the convenience and peace of mind that comes with private aviation.

Although many private jet brokers and operators still only accept wire transfers as payment, credit cards are growing in acceptance among these merchants.

In this guide, we’ll show you how you can get a substantial return on your spending through credit card rewards when booking private jet travel.

Let’s get right to it!

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What To Look For in a Credit Card for Booking Private Jet Travel

Your experience trying to book private jet travel with a credit card is going to have a lot of variation depending on which merchant you transact with, similar to what you’d experience with different restaurants around the world.

Some don’t accept credit cards at all, some charge a credit card transaction fee, and some accept credit cards with no added fees.

In general, this is an industry that operates heavily on wire transfers — credit cards are usually accepted, but a shocking 4% to 5% credit card fee is added to the whole transaction.

But if you find brokers or operators who can waive these fees while accepting credit cards, you’ll want to make sure your card doesn’t get declined.

Private jet flights can run upwards of $100,000 for international journeys, so you’ll need a card that can pack a big enough punch to cover the whole flight.

Additionally, you’ll want one that rewards you the most for the hefty price tag. And, finally, you’ll want to find a card that can offer other benefits, including hotel perks, statement credits, and more.

Now, we’ll take a look at the best personal and business credit cards for booking private jet travel.

The 5 Best Personal Cards for Booking Private Jet Travel

If you’re booking private jet travel for personal reasons (or if you don’t have a business), you’ll want to follow this section closely as we outline the best personal cards to use for booking private jet travel.

Card Summary

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Card

Welcome Bonus and Annual Fee

Private Jet Benefits

The Platinum Card® from American Express
  • Earn 80,000 points after spending $8,000 on purchases in the first 6 months.
  • Annual fee of $695 (rates & fees)
  • Earn 5x Membership Rewards points on airfare booked directly with the airline
  • Wheels Up partnership for discounts and flight credits
  • No preset spending limit*
Capital One Venture X Rewards Credit Card
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $395 (rates & fees)
  • Earn 2x miles on every purchase
  • Travel insurance
Capital One Venture Rewards Credit Card
  • LIMITED TIME OFFER: Enjoy $250 to use on Capital One Travel in your first year, plus earn 75,000 bonus miles after spending $4,000 on purchases within the first 3 months.
  • Annual fee of $95 (rates & fees)
  • Earn 2x miles on every purchase
  • Travel insurance
Chase Sapphire Reserve®
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $550
  • Earn 5x total points on air travel purchased through Chase Travel
  • Earn 3x points on other travel
Chase Freedom Unlimited®
  • Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back.
  • Annual fee of $0
  • Earn 1.5% cash-back on every purchase
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

Amex Platinum Card (Best for Earning Points & Wheels Up Benefits)

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros
  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
Cons
  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Undoubtedly, the best personal card for booking private jet travel is the Amex Platinum card.

First of all, the card features an incredible welcome offer. The card also earns up to 5x Membership Rewards points. Here’s a look at the earning structure:

  • Earn 5x Membership Rewards points per dollar spent on flights booked directly with airlines or with AmexTravel.com (up to $500,000 of these purchases per calendar year)
  • Earn 5x Membership Rewards points per dollar spent on prepaid hotels booked with AmexTravel.com
  • Earn 1x Membership Rewards point per dollar spent on all other purchases

Hot Tip: As we’ll discuss in the last section, some private jet operators, brokers, and mobile apps count as airlines, which would also allow you to earn 5x points here!

The next noteworthy feature of this card is that it has no preset spending limit*. Private jet journeys are extremely expensive — this is probably going to be one of the only cards you can get where you can pay for the entire charter on 1 card.

The absence of a preset spending limit allows you to confidently book your private jet flight without worrying about maxing out a traditional credit limit.

This card has amazing travel benefits, including:

It gets even better, though, because you’ll enjoy more than $1,600 worth of additional value through statement credits:

Why We Like Earning Amex Membership Rewards Points

Amex Membership Rewards points are the most valuable type of transferrable points available, worth around 2.2 cents apiece.

If you find a private jet company whose purchases code as an airline, you can enjoy a return on spending of a whopping 11%!

That’s a fantastic return when you consider you can get back thousands or even tens of thousands of dollars back on a single private jet charter.

The best way to redeem your Amex Membership Rewards points is through the Amex transfer partners for luxury business and first class travel.

Bottom Line: The Amex Platinum card is the most well-rounded card to use for private jet travel. Between the possibility of earning 5x points (if your charter company is categorized as an airline), the absence of a preset spending limit, the Wheels Up membership perks, and the other travel-related perks, such as hotel benefits, this card is an absolute no brainer.

Capital One Venture X Card (Best for Premium Travel Insurance)

Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Learn More(at Capital One's secure site)
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$395
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-840)

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros
  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights purchased through Capital One Travel
  • 2x miles per $1 on all other purchases
Cons
  • $395 annual fee (rates & fees)
  • Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
Financial Snapshot
  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

 

Our runner-up credit card is the Capital One Venture X card, one of the hottest ultra-premium cards to hit the market in years.

To start, it boasts a huge welcome bonus right now. You can also earn up to 10x miles on hotels and rental cars, as well as 5x miles on flights booked through Capital One Travel.

Unfortunately, private jet flights aren’t eligible for these bonus categories — not to worry, though, because you’ll earn 2x miles on all other purchases, which is nothing to sneeze at when you’re talking about private jet purchases that can cost well into the tens of thousands of dollars.

A neat feature of this credit card is that it seems to offer the highest credit limits out of any of Capital One’s personal credit cards.

Although it’s not unusual to see credit limits around $30,000 to $50,000, we’ve heard reports of people having 6-figure credit limits. This card’s high credit limits could make booking private jet flights a breeze.

This fabulous credit card comes with a $300 annual travel credit for Capital One Travel bookings, a bonus of 10,000 miles every year (starting on your first cardmember anniversary), access to lounges (Capital One Lounges, Plaza Premium Lounges, and Priority Pass Select lounges), and a $100 Global Entry or TSA PreCheck application fee credit!

As far as other perks go, you should maximize the complimentary Hertz President’s Circle status, awesome travel insurance, cell phone insurance, 4 no-additional-charge authorized users (rates & fees), and no foreign transaction fees (rates & fees).

Why We Like Earning Capital One Miles

Capital One Miles is another example of a transferrable rewards currency, just like American Express Membership Rewards.

The major difference is that Capital One has a different list of transfer partners that can be leveraged for luxury business and first class travel.

And when you earn 2x miles on private jet flights, you can expect that to be equivalent to a return on spending of around 3.6%.

If you decide not to use transfer partners, you can also redeem Capital One miles for cash-back, gift cards, merchandise, or travel through Capital One Travel at a lower redemption value.

Capital One Venture Card (Best for Travel Insurance)

LIMITED TIME OFFER
Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Learn More(at Capital One's secure site)
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel.
$250 Capital One Travel Credit + 75,000 miles
$1,600
$95
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit (670-850)

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros
  • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • Global Entry or TSA PreCheck application fee credit
Cons
  • Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s equal to $1,000 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
Financial Snapshot
  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

The Capital One Venture card is the little sibling of the Capital One Venture X card. Known essentially as the mid-market premium credit card offering in the Venture family, this card offers outsized rewards and a lower annual fee.

You can still earn an awesome welcome bonus and unlimited 2x miles on all purchases.

Expect to get a return on spending of 3.6% for all purchases, which includes your private jet flights.

Additionally, you’ll get 5x points on hotels and rental cars booked through Capital One Travel.

It also comes with Hertz Gold Plus Rewards status (Five Star), unlimited free authorized users (rates & fees), no foreign transaction fees (rates & fees), travel insurance, and purchase protection.

Chase Sapphire Reserve Card (Best for Earning Points)

Chase Sapphire Reserve®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Learn More(at Chase's secure site)
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠
60,000 points
$1,200
$550
22.49%-29.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros
  • 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
  • 10x points on Lyft purchases March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
Cons
  • $550 annual fee
  • Does not offer any sort of hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Member FDIC
Financial Snapshot
  • APR: 22.49%-29.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card is Chase’s flagship ultra-premium personal credit card. It offers cardholders the ability to earn lots of Chase Ultimate Rewards points thanks to a decent welcome bonus and the following earning structure:

  • 10x points per dollar spent on car rentals, hotels, and dining booked through Chase Travel
  • 10x points on Lyft purchases (through March 31, 2025)
  • 10x points on Peloton equipment and accessory purchases over $250 (through March 31, 2025)
  • 5x points per dollar spent on air travel booked through Chase Travel
  • 3x points per dollar spent on all other dining and travel purchases
  • 1x points per dollar spent on all other purchases

Most, if not all, private jet operators or brokers will fall under the travel umbrella, making it easy to earn 3x points, which is equivalent to a return on spending of 6%.

It also has an up to $300 travel credit, a complimentary Priority Pass Select membership, a 50% redemption bonus on bookings made via the Chase Travel portal, access to the Chase Luxury Hotel & Resort Collection, a $100 Global Entry, TSA PreCheck, or NEXUS application fee credit, and some of the best travel insurance in the business.

There are no foreign transaction fees, either.

Why We Like Earning Chase Ultimate Rewards Points

As we mentioned, you can easily convert your cash-back to Ultimate Rewards points with the right credit card pairing. If you convert your points, they can be redeemed for transfer to the Chase travel partners for award travel.

Otherwise, you can redeem your rewards for cash-back, gift cards, at Amazon.com, and travel through Chase Travel at a fixed value.

Freedom Unlimited Card (Best for Cash-back & Intro APR)

UP TO $300 BACK
Chase Freedom Unlimited®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Up to $300 cash back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • 5% back on travel purchased through Chase Travel℠
  • 3% back on dining and drugstore purchases
Cons
    • 3% foreign transaction fee
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
Financial Snapshot
  • APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

Chase Ultimate Rewards

The last personal credit card we’ll be discussing is the Freedom Unlimited card. Although it earns up to 5% cash-back on certain purchases, those bonus categories will likely not apply when booking private jet travel.

To be specific, the Freedom Unlimited card currently boasts the following earning categories:

  • 5% cash-back on travel booked through Chase Travel
  • 3% cash-back on dining
  • 3% cash-back on drugstore purchases
  • 1.5% cash-back on all other purchases

There’s usually a sizable welcome bonus available on the card, as well as a 0% introductory APR promotion on purchases and balances.

And although the rewards from this credit card are marketed as “cash-back,” you can convert that cash-back to Ultimate Rewards points if you have the right credit card — options include the Chase Sapphire Preferred® Card, Chase Sapphire Reserve card, or Ink Business Preferred® Credit Card.

Your rewards will convert at a ratio of 1% to 1x, meaning 1.5% cash-back can be converted to 1.5x Ultimate Rewards points, making your return on spending hover around 3%.

You’ll also enjoy extra perks such as secondary rental car coverage, purchase protection, extended warranty, fraud protection, zero liability for unauthorized purchases, and free authorized users.

The 4 Best Business Cards for Booking Private Jet Travel

If you’re booking private jet travel for business, this section is for you!

Card Summary

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Amex Business Platinum Card (Best Business Card for Points on Purchases Over $5,000)

ELEVATED OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More(at Amex's secure site)
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 points
$3,300
$695
19.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Pros
  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Cons
  • High annual fee of $695 (rates & fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 19.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The best business card for private jet bookings, in our eyes, is the Amex Business Platinum card, which shouldn’t come as much of a surprise.

Here’s a look at this card’s earning structure:

  • 5x Membership Rewards points per dollar spent on flights and prepaid hotels at AmexTravel.com
  • 1.5x Membership Rewards points per dollar spent on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year)
  • 1x Membership Rewards points per dollar spent on all other purchases

When you book a private jet flight and spend more than $5,000 in a single transaction, you can earn 1.5x points, which is equal to a return on spending of 3.3%.

In addition, if you’re a business owner who spends a lot on the following categories, you can earn 1.5x points per dollar:

  • Construction material and hardware suppliers
  • Electronic goods retailers and software and cloud system providers
  • Shipping providers

When you max out the $2 million cap in purchases that earn 1.5x points, you’ll end up with 3 million Amex points per year!

The travel benefits you’ll get are extensive:

Beyond that, you’ll enjoy these business-oriented statement credits:

Capital One Spark Cash Plus Card (Best Business Card for Cash-back & No Preset Spending Limit)

Capital One Spark Cash Plus CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners.

The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners.
Earn $1,200 cash back once you spend $30,000 in the first 3 months
$1,200
$150
N/A
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.


The Capital One Spark Cash Plus Card is great for business owners looking to improve their bottom line by earning 2% cash-back on all purchases without a high annual fee. Further, with no preset spending limit, the ability to get your $150 annual fee refunded every year you spend at least $150,000, and no-additional-fee employee cards, there is something that every business owner will love (rates & fees).

Pros
  • Unlimited 2% cash-back on all purchases
  • 5% cash-back on hotels and rental cars purchased through Capital One Travel
  • No preset spending limit
Cons
  • Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
  • Get your $150 annual fee refunded every year you spend at least $150,000
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
  • $150 annual fee
  • Spark Cash Plus has no APR because your balance is due in full every month
Financial Snapshot
  • APR: N/A
  • Foreign Transaction Fees: None

The Capital One Spark Cash Plus card is one of our favorite credit cards for high-spending business owners. And if you’re booking private jet travel with any frequency, you’re probably a high-spending business owner.

This card is unique because, unlike its other Spark-branded siblings, it has no preset spending limit, making it an awesome credit card for private jet bookings.

In addition, you will earn an unlimited 2% cash-back on every purchase you make. Plus, get your $150 annual fee refunded every year you spend at least $150,000!

The secret, at least for points enthusiasts, is that you can convert your cash-back to Capital One miles as long as you have a credit card that earns Capital One miles, such as the Capital One Venture X card. You’ll convert at a 1% to 1x ratio, meaning you can convert your 2% cash-back to 2x Capital One miles on a card with no preset spending limit!

Even better, you can add unlimited employee cards for no additional fee, and there are no foreign transaction fees. You can even create virtual card numbers with Eno!

Capital One Spark Miles Card (Best Business Card for Miles)

Capital One Spark Miles Select for Business
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

(Information collected independently. Not reviewed by Capital One.)

(Information collected independently. Not reviewed by Capital One.)
$0
0% Intro APR for the first 9 months after account opening,Ongoing APR: 18.24% - 28.24% Variable

 

The Capital One Spark Miles Select for Business is an excellent option for business owners looking for straightforward earning with no blackout dates, no seat restrictions, and no minimum when redeeming your miles.

  • Earn a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months from account opening.
  • Get unlimited 1.5 miles on every purchase with your business credit card with no blackouts or seat restrictions, and no minimum to redeem.
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel.
  • Use your miles on flights, hotels, vacation packages and more—you can even transfer miles to any of our 15+ travel partners.
  • We’ve got you covered with zero fraud liability if your card is lost or stolen. Plus, get automatic fraud alerts via text, email or phone call.
  • 0% intro APR for 9 months; 18.24% – 28.24% variable APR after that.
Financial Snapshot
  • APR: 0% Intro APR for the first 9 months after account opening,Ongoing APR: 18.24% - 28.24% Variable
  • Foreign Transaction Fees: 
Rewards Center

Capital One Miles

The Capital One Spark Miles card is a fantastic business credit card to have — it offers a great welcome bonus and earns 5x miles on hotels and rental cars booked through Capital One Travel and an unlimited 2x Capital One miles per dollar spent on all other business purchases.

This credit card has a traditional credit limit (unlike the Capital One Spark Cash Plus card), but it comes with the ability to transfer miles to airline partners as a standalone credit card (also unlike the Capital One Spark Cash Plus card).

It comes with a $100 Global Entry or TSA PreCheck application fee credit, too.

Anecdotally, we’ve also seen credit limits in excess of $100,000 for high-spending business owners, so having a traditional credit limit might not end up being a big issue.

Other perks include 2 free visits to Capital One Lounges or Plaza Premium Lounges per year, extended warranty coverage, the ability to create virtual card numbers through Eno, zero fraud liability protection, free employee cards, no foreign transaction fees, and more.

Ink Business Unlimited Card (Best Business Card for Cash-back & Intro APR)

Ink Business Unlimited® Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Learn More(at Chase's secure site)
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Pros
  • 1.5% cash-back on all purchases
  • No annual fee
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Cons
    • 3% foreign transaction fee
  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC
Financial Snapshot
  • APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

The last credit card we’ll discuss is the Ink Business Unlimited card, which is issued by Chase.

This credit card has a sizable welcome bonus and the ability to earn an unlimited 1.5% cash-back on all business purchases without bonus categories or limits.

Although the Ink Business Unlimited card is a credit card, we’ve seen credit limits greater than $100,000, which could be more than enough to book private jet flights.

This card also comes with the ability to convert your 1.5% cash-back to 1.5x Ultimate Rewards points if you also have an Ultimate Rewards card like the Chase Sapphire Reserve card. That’ll double your return on spending from 1.5% to 3%!

Be sure to also make use of the other benefits, like the introductory 0% APR benefit, travel insurance (including primary car rental coverage), extended warranty coverage, purchase protection, zero liability fraud protection, and free employee cards.

Booking Through an App vs. Booking Through a Broker

Now that you’re aware of all the best credit cards to use for booking private jet flights, the question becomes: should you book through an app or through a broker?

The truth is there’s no right or wrong answer.

In general, if you value the convenience of being able to book a private jet flight without having to pick up the phone or send an email, booking through an app is probably the best choice.

But if you have the right relationship with a good broker, he/she might be able to get you better deals, availability, schedules, planes, crews, and more.

There isn’t a clear answer — but what we can tell you is that different types of companies in private aviation will code differently in the context of earning rewards.

In an ideal world, you’ll earn as much in rewards as possible when booking your private jet travel. But one of the challenges is figuring out whether your particular merchant will code as an airline, general travel, or something else.

Luckily, we’ve done a ton of research into this and can provide some general data points on which operators or brokers fall under each merchant category.

Keep in mind that these merchant category codes can change at any point in time without notice.

In general, these companies count as airlines (and should therefore earn 5x points with the Amex Platinum card):

And these companies fall under travel (and will not earn 5x points with the Amex Platinum card):

Some companies don’t fall squarely into either of these merchant category codes — for example, Surf Air almost always codes as “local commuter transport.”

Hot Tip: Learn more about these companies in our detailed guide to the best ways to fly private or semi-private!

Final Thoughts

Private jet travel can be one of the most luxurious experiences a traveler can have, but it can also be one of the most expensive. However you book, you should aim to get the maximum return on your investment by using the right credit card.

You’ll want to look for a card that offers either no preset spending limit or consistently offers high credit limits, boasts excellent rewards, and has other perks for the other aspects of your travel (like hotel elite status).

Finally, choose the right credit card based on whether you’re booking private jet travel for personal reasons or for business trips.

*No Preset Spending Limit on an American Express card means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024.  Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier.  Additional terms apply.

The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.

Frequently Asked Questions

What are the best credit cards for booking private jets?

Our favorite personal cards for booking private jets are the Amex Platinum card, Capital One Venture X card, Capital One Venture card, Chase Sapphire Reserve card, and Freedom Unlimited card.

Our favorite business cards for booking private jet travel are the Amex Business Platinum card, Capital One Spark Cash Plus card, Capital One Spark Miles card, and Ink Business Unlimited card.

Do millionaires use credit cards?

Absolutely. If you’re a millionaire, you’re likely very money-savvy, too. Those who use credit cards can earn tons of rewards, luxury travel perks, and so much more.

Can you use Amex points for a private jet?

Yes, you can, but not for good value. If you use Amex points for a private jet, you’ll likely only be able to apply Amex points as a statement credit, which would result in very, very poor value.

Can you use Amex points for Wheels Up?

Yes, you can, but you won’t get good value from your points. However, if you have the Amex Platinum card, you can get discounts and flight credits, thanks to the issuer’s partnership with Wheels Up.

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About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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