Top 4 Credit Cards for First-Class Flight Upgrades in 2025 with Exclusive Bonuses

Thomas J Catalano, a Certified Financial Planner and Registered Investment Adviser in South Carolina, founded his own financial advisory firm in 2018. His expertise spans investments, retirement planning, insurance, and comprehensive financial strategies.

Everyone dreams of flying in first class — enjoying spacious seats, premium snacks and beverages, and priority boarding and deplaning. While international and cross-country flights often provide first and business-class options, shorter flights typically offer only business class.

Securing these premium seats without paying full price can be challenging unless you’re a frequent flyer. For occasional travelers, leveraging travel rewards credit cards is one of the smartest ways to access first-class upgrades. These cards allow you to earn points redeemable for flights with major airlines.

1. Capital One Venture Rewards Card

Earn 60,000 bonus miles after spending $3,000 within the first three months. Redeem points for first-class flights with no annual fee. Interest rates range from 15.49% to 25.49%, depending on creditworthiness.

Enjoy a 0% introductory APR for the first year and no foreign transaction fees, making it a favorite among travelers. With a 92% positive rating on Capital One’s website, this card offers excellent value for globetrotters.

2. Chase Sapphire Preferred Card

Earn 2 points per $1 spent on travel and dining, and 1 point per $1 on other purchases. Points convert 1:1 to airline miles with partner airlines. Additional benefits include trip cancellation insurance, rental car collision coverage, and no blackout dates.

The APR ranges from 15.99% to 22.99%. Spend $4,000 in the first three months to receive 100,000 bonus points. No foreign transaction fees apply.

3. Discover it Miles Card

Since 1986, Discover has been known for straightforward rewards and cutting-edge technology. The card now features instant on/off control via the app if lost or stolen.

Earn 1.5 miles per dollar spent, with double miles during the first year. The APR is 0% for 14 months, then 11.99% to 22.99%. No annual fee or blackout dates make this an attractive option.

4. BankAmericard Travel Rewards Credit Card

Earn 1.5 points per $1 spent, redeemable for any travel reward including first-class flights. APR ranges from 13.99% to 23.99% with a 0% introductory APR for the first year.

No annual or foreign transaction fees, plus 25,000 bonus points after spending $1,000 in the first 90 days, equivalent to $250 in rewards.

Final Thoughts

Although the airline industry faced setbacks during the COVID-19 pandemic, travel is rebounding as safety improves. First-class seats remain highly sought after, especially by frequent business travelers, but leisure travelers can also enjoy premium seating by strategically using travel rewards.

The credit cards outlined above offer versatile rewards redeemable with most airlines. If you frequently fly a specific carrier, their branded credit card may provide additional first-class upgrade opportunities.

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