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How to Use Chase Ultimate Rewards Points to Avoid Close-In Booking Fees (And Save $100s)

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How to Use Chase Ultimate Rewards Points to Avoid Close-In Booking Fees (And Save $100s)

Meghan HunterHow to Use Chase Ultimate Rewards Points to Avoid Close-In Booking Fees (And Save $100s)Million Mile Secrets Team

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INSIDER SECRET: Booking through the Chase Travel Portal using Chase Ultimate Rewards points can often offer a better deal than booking an award directly with the airline, especially if you’re faced with paying a close-in booking fee for an award ticket.

My aunt recently flew in from Dallas to Missoula, Montana (my hometown) to help my mom take care of my 3-year-old daughter while I was on a work trip. My aunt had to sort out her schedule so we didn’t end up booking her flights until about a week she was due to fly.

She let me know that she had a stash of American Airlines miles, which was great, but she wasn’t familiar with the close-in booking fee that American Airlines charges.

I explained to her that because we were less than 20 days from departure, there would be a $75 fee tacked on to the ticket in addition to the 20,000 miles each way for a ticket. I never want anyone to get a bad deal, so I offered to search for other options and use my flexible rewards points if possible.

I started by checking cash prices to get a feel of what a good deal might look like. A round-trip coach ticket was going to cost $569 in basic economy (ouch!). I knew I could do better than that, especially with my stash of Chase Ultimate Rewards points.

When the cash price of a ticket is high, I’ll use my Chase Ultimate Rewards points to help save cash.

I decided to check the price of an award ticket through British Airways because booking an American Airlines flight using British Airways Avios points is one trick to avoiding American’s close-in booking fee. And I was also aware of the 30% transfer bonus (good through June 15, 2019) for transferring Chase Ultimate Rewards points to British Airways Avios.

To my delight, I found a one-way award ticket from Dallas to Missoula for just 10,000 British Airways Avios points and $5.60 in taxes and fees. With the transfer bonus, I only had to transfer 8,000 Chase Ultimate Rewards points to cover the cost of the award seat (you can only transfer in 1,000-point increments).

10,000 points for a one-way flight is a pretty darn good deal.

There weren’t any awards available for the return flight, but that didn’t faze me. I knew I’d be able to use my Chase Ultimate Rewards points through the Chase travel portal and still come out ahead.

I found a nonstop return flight for $224 (or 22,400 Ultimate Rewards points) but was able to save even more because I’m a Chase Sapphire Reserve card holder. With the Sapphire Reserve, your points are worth 1.5 cents a piece when you book travel through the portal, meaning I only had to use 14,953 Ultimate Rewards points for the one-way ticket.

One of the many great perks of the Chase Sapphire Reserve is that it increases the value of your Ultimate Rewards points.

Again, not only was that less than the cost of an award ticket on American Airlines (20,000 American Airlines miles one-way) but I avoided close-in booking fees, too.

Had I booked directly with American Airlines I would have spent 40,000 American Airlines miles, a $75 close-in booking fee, and $5.60 in taxes and fees. That’s a lot to spend just to avoid buying a $569 ticket.

By booking two separate one-ways, one through British Airways and the other through the Chase travel portal, I spent just 22,953 Chase Ultimate Rewards points and $5.60 in taxes and fees. That’s a savings of $75 in cash and 17,047 miles! 

Earning and Using Chase Ultimate Rewards Points (My Favorite Travel Rewards Currency)

I collect Chase Ultimate Rewards points with these three cards:

But these cards also earn Ultimate Rewards points:

In both everyday spending and small business expenses, I’m always earning Ultimate Rewards points. I like keeping a stash of them because they’re incredibly flexible. And just as I’ve shown with my aunt’s flights, their flexibility often makes them more valuable than miles from any specific airline.

To learn the ins and outs of earning and using Chase Ultimate Rewards points, check out these guides:

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Featured image by fizkes/Shutterstock

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Excellent post. Did something similar recently with last minute escape travel to Miami, from RIC…. Surprised to find reward seats both ways — (on American, paid for with BA avios)

Related subject, these deals potentially could be even better if we could have used Iberia Avios…. (better award chart, esp. for multi stop trips) I tried for over a week …. but it seems the entire Ibera/AA arrangement right now is “broken.” Anybody had any luck with the Iberia/Avios/AA angle?