There’s no doubt that basic economy is infuriating. From carry-on baggage restrictions on some airlines to a lack of seat selection, it’s a step down from what travelers are used to getting when flying.
Airlines are also doing a good job of making basic economy sound really bad, so you’ll want to pay more for their standard economy offerings.
Despite unpleasant things like checked baggage fees, there’s a way to use credit cards to avoid some of the pain points of basic economy. Let’s go airline by airline to see how.
Alaska Airlines
Alaska Airlines’ basic economy fares are called “Saver fares.” They have minimal amenities and typically save you $15-$30 each way compared to the Main Cabin fare.
Unlike some stricter airlines, Alaska allows you to bring a full-size carry-on bag for free. But you’ll still be boarding in Alaska’s final boarding group, and you’re only allowed to make same-day confirmed changes for a fee (other changes are not allowed). Upgrades with miles are not allowed, while complimentary upgrades for elite members may be available two hours before departure.
Alaska Airlines charges a $35 fee for the first checked bag and $45 for the second on all its flights. However, cardholders of the Alaska Airlines Visa Signature® credit card and the Alaska Airlines Visa® Business card aren’t subject to some basic economy restrictions. They can check a first bag for free for themselves and up to six additional passengers on the same reservation when they book using their card.
That makes these cards well worth the annual fee, even if you only travel with Alaska a few times a year.
| Passengers without status | Saver fare | Main Cabin | Saver fare and a cobranded card |
|---|---|---|---|
| Boarding group | F | D-E | C |
| Carry-on baggage allowance | 1 | 1 | 1 |
| Checked baggage allowance | 0 | 0 | 1 for each for you and up to six additional passengers |
| Flight changes or refunds | None | Fees apply | None |
To learn more, check out our full reviews of the Alaska Airlines Visa and Alaska Airlines Visa Business.
Related: Everything you need to know about flying Alaska Airlines’ Saver fares
Reward your inbox with the TPG Daily newsletter
Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts
American Airlines
American Airlines offers basic economy fares on all domestic routes and flights to/from Canada, the Caribbean, Central America, Europe, Mexico and South America.
Basic Economy restrictions mean that you’ll be assigned a seat at check-in (likely a middle seat), you’ll earn fewer elite-qualifying miles/segments and you’ll board in the final boarding group. The ticket is also not eligible for any flight changes or refunds. There is an exception for domestic travel booked by AAdvantage members, as cancellations made within these parameters are eligible to receive a travel credit for a fee.
You are allowed to bring a carry-on bag on board.
Elite members are exempt from certain restrictions — but what if you don’t have status? Then, you can use one of these eligible cards to get an even better boarding group than standard economy and get the checked baggage allowance awarded by the credit card.
Eligible cards:
All of the mentioned American Airlines credit cards help you bypass the restrictions of basic economy when flying American.
*The information for these cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
| Passengers without status | Basic Economy | Main Cabin | Basic Economy and a cobranded card |
|---|---|---|---|
| Boarding group | 9 | 6-8 | 4-5 |
| Assigned seat | Select for a fee, or assigned | Limited selection at booking |
Selection depends on certain cards’ benefits |
| Carry-on baggage allowance | 1 | 1 | 1 |
| Checked baggage allowance | 0 | 0-1 | 1 |
| Flight changes or refunds | None, with few exceptions for a fee | Fees apply | None, with few exceptions for a fee |
With a cobranded AAdvantage card, you’ll jump the bulk of economy passengers (in groups 6-8) and board in Group 4; this gives you a great chance of finding space in the overhead bins. Plus, you’ll get a free checked bag on domestic flights.
You don’t have to pay for your flights with the cobranded card to get these benefits. American Airlines will tie your credit card to your AAdvantage account and apply these benefits automatically.
Related: Choosing the best credit card for American Airlines flyers
Delta Air Lines
Delta was the first legacy carrier to start offering basic economy, and it has the least harsh restrictions. With Delta’s version, you don’t get advance seat assignments, upgrades or any changes to the flights (after the required 24-hour period). That said, you can choose your seats at check-in for a fee and get a carry-on bag.
There are still advantages to getting a cobranded Delta credit card if you’re considering basic economy. While you get a carry-on bag with Delta’s basic economy fare, you might have to gate-check it, as you’ll be boarding in Group 8.
With a cobranded card, you’ll get a free checked bag and priority boarding on Delta flights, ensuring an almost certain spot in the overhead bins.
Eligible cards:
| Passengers without status | Basic Economy | Main Cabin | Basic Economy and a cobranded card |
|---|---|---|---|
| Boarding group | 8 | 6-7 | 5 |
| Assigned seat | Potential to choose at check-in for a fee, but may be assigned at the gate | Choose at booking | Potential to choose at check-in for a fee, but may be assigned at the gate |
| Carry-on baggage allowance | 1 | 1 | 1 |
| Checked baggage allowance | 0 | 0-1 | 1 |
| Flight changes or refunds | None | None for tickets originating in the U.S. and Canada | None |
That’s right: You can get a card with a $0 introductory annual fee for the first year and then $150 per year afterward (Delta SkyMiles Gold card (see rates and fees) or Delta SkyMiles Gold Business (see rates and fees) to avoid first-checked bag fees and the need to gate-check your bag.
As with American, you don’t have to purchase your ticket with your Delta credit card to get the free checked bag — just holding the card and including your Delta SkyMiles number in your reservation is enough.
What is the downside of going with the cobranded card approach? You won’t receive free advance seat selection. Delta’s basic economy fares have the potential to choose seats at check-in for a fee; however, it’s possible that you may not get a seat assigned until the gate.
Related: Delta Platinum vs. Delta Reserve
Southwest Airlines
Southwest has made major changes this year, including the introduction of a new Basic fare. Replacing the former ‘Wanna Get Away’ option, this is a no-frills choice with limited perks:
- No free checked bags
- No same-day changes
- Lower points-earning
Southwest will maintain its current boarding process and open seating setup until Jan. 26, 2026. For flights from Jan. 27, 2026, the airline assign seats, similar to its major competitors.
Those who book Basic fares will board last and either need to pay to select a seat or wait until their seat is assigned at check-in.
A way to avoid restrictions with Southwest’s Basic fare is to be a cobranded cardholder. If you have a Southwest credit card, you can still check one bag for yourself and up to eight guests flying on the same reservation for free.
Eligible cards:
The information for the Southwest Premier card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
| Passengers without status | Basic | Choice | Basic and a cobranded card |
|---|---|---|---|
| Boarding group and position (flights until Jan. 26, 2026) | Boarding group (A-C) and position (1-60) assigned at check-in | Boarding group and position assigned at check-in | Boarding group and position assigned at check-in |
| Boarding group (flights from Jan. 27, 2026) | 8 | 5-8 | 5 |
| Assigned seat (flights from Jan. 27, 2026) | Assigned at check-in | Choose a standard seat at booking | Selection depends on specific card |
| Carry-on baggage allowance | 1 | 1 | 1 |
| Checked baggage allowance | 0 | 0 | 1 |
| Flight changes | Must upgrade to Choice (or above); fare difference applies | Fare difference applies | Must upgrade to Choice (or above); fare difference applies |
| Flight refunds | Flight credit | Flight credit | Flight credit |
To learn more, read our guide comparing the Southwest cards.
Related: Southwest unveils big credit card refresh: 50% fee hikes, but new seating and boarding perks
United Airlines
And what do you get with United’s basic economy? Not much. You’ll receive an auto-assigned seat at check-in (with no chance to change), no carry-on bags, no upgrades, and no changes or refunds (unless you settle for a partial travel credit).
A United credit card can help ease some of the pain of basic economy. Like with American and Delta, you’ll jump from the last boarding group to an earlier one. And, you’ll earn back a carry-on bag and get a first free checked bag, or two with certain cards.
Eligible cards:
The information for the United Club Business has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
| Passengers without status | Basic economy | Economy | Basic economy and a cobranded card |
|---|---|---|---|
| Boarding group | 6 | 3-5 | 2 |
| Assigned seat | Assigned at check-in | Choose at booking | Assigned at check-in |
| Carry-on baggage allowance | 0 | 1 | 1 |
| Checked baggage allowance | 0 | 0 | 1 |
| Flight changes or refunds | None | Fees apply | None |
You must use your cobranded United card to pay for your flight to qualify for the checked bag benefit. Unfortunately, the cobranded card approach doesn’t let you select a better seat or get upgrades.
Related: Best United cards
Bottom line
Basic economy fares have become ubiquitous on U.S. legacy airlines, covering all domestic routes and many international ones. However, by having a cobranded airline credit card, you can avoid some of the pain of basic economy without having to buy up to standard economy.
If you like to bring a carry-on bag — and want to avoid checking it at the gate — as well as get a free checked bag, all you need is to get an eligible cobranded card and buy the cheapest fare. Thanks to priority boarding benefits, you’ll get access to the overhead bins before those who paid extra to get standard economy but don’t have a cobranded card.
Related: Are airline credit cards worth it?
For rates and fees of the Delta SkyMiles Gold card, click here.
For rates and fees of the Delta SkyMiles Gold Business card, click here.
