I Saved $800+ by Pairing Basic Economy With the Right Credit Card and Chase Ultimate Rewards Points

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INSIDER SECRET: With a credit card that offers perks like free checked bags and priority boarding, it’s easy to outsmart basic economy and save big.

Earning Ultimate Rewards points with many of the best credit cards for travel never fails me. And having a card that helps avoid baggage fees saves me hundreds of dollars every year.

As an example, on a recent trip to Denver I was able to save $254 per ticket and get two free checked bags just for having a stash of Chase Ultimate Rewards points and the right credit card.

On this particular trip, the cost of round-trip tickets was outrageous, so I decided to buy two separate one-ways for myself, my daughter and my mom. I got lucky with cheap outbound flights on ultra-low-cost Frontier and was able to find an even better deal on our return tickets.

Here’s how the deal on the return flight came to be.

Outsmarting Basic Economy

Just remember, when booking a basic economy fare, you’ll usually be forced to board last and be restricted to just one personal item (no carry-ons). But if you have the right credit card, it’s possible to outsmart those restrictions.

In this case, I used Chase Ultimate Rewards points to pay a majority of the cost of the tickets and charged $5 to my United℠ Business Card. Because I’m a United Business Card cardholder, I get priority boarding and a free checked bag for charging a portion of the ticket to my United Business Card.

So not only did I save $762 by booking three basic economy tickets instead of standard economy seats, but I also saved $60 by getting two free checked bags for being a United Business Card cardholder. That’s $816.60 in savings if you account for the $5.40 I charged to my card.

Again, it’s important to note that with a basic economy fare (regardless of what credit card you hold) you won’t be able to select seats, which can be an issue for families or groups wishing to sit together. Here’s a good guide to the basic economy fare rules from each of the major airlines and tips to avoid checked baggage fees.

Also, take a look at this list of the best credit cards to avoid baggage fees. Free checked-bag perks are common with cobranded airline credit cards but don’t forget about the other cards that can help you avoid charges for airline checked baggage. American Express offers several cards that include annual statement credits to cover incidental fees for your preferred airline, including:

• The Platinum Card® from American Express: Up to $200 annual statement credit for incidental purchases on one selected airline (enrollment required)
• The Business Platinum® Card from American Express: Up to $200 annual statement credit for incidental purchases on one selected airline (enrollment required)
• Hilton Honors Aspire Card from American Express: Up to $250 annual airline fee credit with the airline of your choice to cover incidental air travel fees. Enrollment required for select benefits.

The information for the Hilton Aspire card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.

These statement credits can cover all sorts of fees like inflight meals, lounge passes and checked baggage fees — but if you want priority boarding you’ll have to choose a cobranded airline credit card.

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Featured image courtesy of Efetova Anna/Shutterstock.