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The Truth About Your Jet Card

Private jet on the apron, illustrating how jet card pricing works
SummaryA jet card turns private flying into a simple prepaid rate, and that simplicity is real. But the fixed rate is not the cost of the flight. It sits above the operator's true price, set high enough to protect the card provider on their most expensive day, while the money you deposit works quietly in their favour as it waits. Here is how the economics actually work, and what an honest version looks like.

A jet card is sold on certainty. You put money down, you get a fixed hourly rate and guaranteed availability, and you stop having to think about pricing. That certainty is genuine, and for some flyers it is worth a great deal. What is rarely explained is that certainty is a product, and like any product it carries a margin. Once you can see where that margin sits, the whole card becomes easy to read.

The fixed rate is a spread priced to the worst day. A card provider usually does not own the aircraft you fly. When you take a trip, they source it on the live charter market at whatever it costs that day. But they sold you a fixed rate months earlier. To make that safe, they set the rate high enough to survive an expensive day, because charter prices move with season, fuel and demand. Most of your flights are not on the worst day of the year, so on a normal day they buy the flight for less than the rate you are paying, and keep the difference. You are paying a peak-priced rate for mostly off-peak flying.

The fine print protects the margin. Even a fixed rate comes with conditions that sit quietly on the provider's side. Peak-day surcharges and blackout dates apply on exactly the days the market would otherwise squeeze them. You are guaranteed a category of aircraft, not a specific one, so they can source whatever is cheapest and available in that class and keep any saving. Fuel and international surcharges float on top. None of it is hidden exactly, but almost no one reads to the end of it, and it is written to keep the spread intact.

Your money works for them while it waits. When you deposit, say, $100,000, that money often sits with the provider for a year before it is all flown. While it waits, it earns interest and helps fund their business, and you see none of that benefit. Then there is what happens to what you do not use. Many cards are non-refundable, so unused funds are simply kept. The more generous ones return your balance but charge an exit fee, commonly around 15 percent. Either way, the unused money, and the interest it earned, were quietly theirs rather than yours.

Even the honest cards still take a percentage. A small number of programmes have moved to transparent pricing, showing the operator's cost and their own fee as separate lines. That is a real improvement and worth respecting. But look at the fee itself. It is still a percentage of every flight, commonly between 10 and 16 percent, with a minimum charge per trip on top. Because it is a percentage, it climbs with the price of the aircraft. Fly something larger and their cut grows, even though the work of arranging it has not. Transparent is better than hidden. It is not the same as inexpensive.

What an honest version looks like. The alternative is simple, and it is the principle Aaliya Jets is built on. You see the operator's real price for the flight, and beside it a flat advisory fee agreed in advance. The fee does not rise just because the jet is bigger. And if you like to keep a balance ready for last-minute travel, that balance stays your money: visible, drawn only at true cost, and returnable, never locked into a rate or forfeited if you do not use it. You keep the certainty and the speed a card gives you, without paying a growing percentage for it, and without handing your money over for the year.

Frequently asked

Is a jet card cheaper than paying per flight?
Usually not per hour. A card charges a premium above the on-demand price of the same aircraft in return for a fixed rate and guaranteed availability. You are buying certainty, not a discount.
What happens to jet card money I do not use?
It depends on the card. Many are non-refundable, so unused funds are kept. Some return your balance but charge an exit fee, often around 15 percent. Read that clause carefully before you deposit.
Are transparent jet cards actually cheaper?
They are more honest, which genuinely matters, but their fee is still a percentage of each flight, commonly 10 to 16 percent plus a minimum, and it grows with the price of the aircraft. A flat fee is both transparent and, on most trips, considerably less.

What this means for you

A jet card sells certainty and charges a premium for it, and it prices that premium to win on average. You do not have to give up the certainty to escape the premium. If the fee is flat and disclosed, and your balance stays yours, you get the ease of a card without paying a growing percentage of every flight for the privilege. That is the whole difference, and it is worth asking for.

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Loryn Farnden

Loryn Farnden

Founder, Aaliya Jets

Loryn Farnden is the founder of Aaliya Jets, an independent, buyer-side private aviation advisory based in Dubai. She advises private clients, family offices, and principals on charter sourcing, aircraft acquisition, and operator due diligence on a flat-fee, commission-free basis. Connect on LinkedIn