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Can I Upgrade a Ticket Booked with Credit Card Points?

July 24, 2016
3 min read
IMG Delta first class cabin featured
Can I Upgrade a Ticket Booked with Credit Card Points?
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TPG reader Jeff emailed me to ask about upgrading flights booked through a third party:

"If I book a flight through Citi ThankYou Rewards, can I then use my airline miles to upgrade my ticket?"

One nice aspect of credit card loyalty programs (including Citi) is that you can use points to book flights and still earn rewards in the process. Since you're seen by the airline as a paying customer, you can accrue both redeemable miles and elite credits like normal. You may also be able to upgrade your ticket with miles, but to make sure, you'll have to dig into the rules for your specific fare.

To purchase an upgrade award, you have to first book into an eligible fare class. If your fare is normally eligible for an upgrade (when booked directly with the airline), then it will still be eligible when you book a similar fare through Citi ThankYou Rewards (or another third party). The opposite is also true: If your fare is normally ineligible, then booking through Citi won't help. The trick is identifying which class you're booking into in the first place.

Citi doesn't make it easy, but you can see the fare class after adding an itinerary to your cart in the Citi ThankYou Travel Center. Click on Rules, Policies, Cancellations, and look under the rules for each segment for a line that says "Fare by rule text base ..." followed by various numbers and letters. The first letter in the last string of characters is your fare class, so if you see something like 011/9M57/URWUA0MC, then you're looking at a U fare. You'll have to then check the airline's rules to make sure that fare is upgradeable. This process is a bit easier when you book by phone, since you can request a specific fare class (or at least avoid booking one that's ineligible).

You can find similar information when booking through the Chase Ultimate Rewards Travel Portal or Amex Membership Rewards Travel. Chase tells you the fare class before you add the flight to your cart: You can find it by clicking on View Details > View Rules and Policies > Airline Fare Rules. For Amex, click on Fare Rules in the Review Your Trip window, and you'll see the fare basis code without all the other characters in front of it. As with Citi, you can ask to be booked into a specific fare class over the phone.

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You can find your fare class online when booking with Citi, Chase and Amex. Image courtesy of Shutterstock.

Once your flight is booked, it's a good idea to check with the airline and confirm that you're eligible for an upgrade. If it's not working out for whatever reason, you can take advantage of 24-hour cancellation policies to get a refund and try again.

For more on upgrading flights, check out these posts:

If you have any other questions, please tweet me @thepointsguy, message me on Facebook or send me an email at info@thepointsguy.com.

TPG featured card

Rewards rate
4XEarn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4XEarn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5XNew! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
3XEarn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
2XEarn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
1XEarn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
Open Intro bonus
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Open Credit score description
Excellent to Good

Pros

  • Valuable dining and food-related credits
  • Flexible rewards with airline and hotel transfer partners
  • Multiple travel and purchase protections
  • No foreign transaction fees
  • Access to Amex Offers for additional savings (enrollment required)

Cons

  • Not as useful for those living outside the U.S.
  • Some may have trouble using Uber and other dining credits
  • You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
  • Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
  • Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
  • Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
  • $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
  • New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
  • Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
  • Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
  • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Terms Apply.