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Frontier Airlines Baggage Fees, Policy & Exceptions

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Frontier Airlines is a Denver-based budget airline that’s been around since 1994. Known for low fares and a family-friendly bundling program called Discount Den, this airline is a good one to consider when saving money is your top priority. Familiarize yourself with Frontier’s baggage fees and policies for 2022, including relevant COVID-19 updates, here.

✈️ Looking for a new travel credit card this year? See today’s top offers below:

Carry on + Checked Bag Allowance for 2022

Frontier Airlines includes one free personal item per ticket but unfortunately does not offer free carry-on bags as many airlines do. You may bring a carry-on, but it will cost extra. See the next section for details on baggage pricing.

Your complimentary personal item must not exceed 8 inches by 18 inches by 14 inches in size. You should be able to place this under the seat in front of you without issue.

Carry-on bags may measure up to 10 inches deep, 16 inches wide, and 24 inches tall (handles included). Carry-ons may weigh no more than 35 pounds and they must fit in the overhead bin. If they don’t, you’ll need to check them.

Each bag you check must measure less than 62 linear inches and weigh less than 50 pounds. These restrictions are about average in the industry as of 2022. 

Free to carry on with you are car seats, mobility assistive devices like walkers and crutches, and other medical- or child-related necessities. Special items that may have their own size and weight rules and/or exceptions include sporting equipment such as bicycles and surfboards, child restraint systems like strollers and playpens, and musical instruments. Most of these are still subject to excess baggage fees.

Passengers that fly with an infant less than two years old may bring a diaper bag at no additional charge. A fee of $99 is charged both ways per pet that flies with you in the cabin.

For more information, take a look at the complete list of baggage restrictions and exceptions at Frontier Airlines here.

How to Pay for Baggage

The earlier you buy, the more you save!

You may choose to add baggage to your flight during booking, at the ticket counter, or at the gate. Adding bags while making your booking is the cheapest option while purchasing them at the gate before boarding is, not surprisingly, the most expensive. 

Frontier Airlines determines checked baggage fees by route and therefore does not have set prices. However, you can probably expect your first checked bag to cost anywhere from $37 to $55, your second checked bag to cost anywhere from $49 to $55, and your third checked bag to cost anywhere from $84 to $95. These prices vary depending on when you add bags to your booking. Take a look at the example flight below for an idea of how the pricing may look.

ATL (Atlanta) > CLE (Cleveland)

Bags added to booking…1st Checked Bag
During Booking Online/App$37
Before Check-In Online/App$39
At Check-In Online/App$41
At Airport Kiosk or Ticket Counter$55
At Airport Boarding Gate$60
Call Customer Service$55

As you can see, adding a bag as you book a flight is the way to go, and you can always remove these from your booking later if you find that you don’t need it after all.

Note that you will not be permitted to add more than one checked bag to your flight at the airport boarding gate.

Use this handy tool on the Frontier Airlines website to find out exactly how much the baggage in your existing reservation or a reservation you have yet to make will cost. If you book with Volaris, you’ll need to check prices through the Volaris website.

Carry-on baggage costs about the same as the first checked bag, in some cases a tad more. If you do end up purchasing carry-on baggage, you’ll automatically be bumped into Zone 1 Boarding, making you one of the first passengers on the plane (which may come in handy because seats are assigned randomly from whatever is left unless you opt to pay extra to pick your own).

You can add bags to your booking by going online, logging in to the Frontier Airlines website to see your trip, and selecting “Manage Trip.” Then you can review or change any aspect of your flight. Alternatively, you can use the Frontier Airlines mobile app for iPhones or Androids.

Be sure to check your bags at least 45 minutes before your plane’s scheduled departure. You may check them up to two hours before your plane’s scheduled departure if this is more convenient. If you’re checking in online, you may do so up to 24 hours and as little as 60 minutes before your flight is scheduled to depart.

Please be aware that mandatory temperature screenings, social distancing measures, and enhanced cleaning protocols in place to reduce the spread of COVID-19 may slow your check-in process. Frontier Airlines is encouraging all passengers to download their passes on their phones, check in virtually, and avoid counters as much as possible when flying during this time. Be on the lookout for updates as this situation unfolds.

You may decide to purchase a bundle when booking if you want to save money on baggage and fly with additional benefits such as priority boarding and refundability. Check out the WORKS bundle if you want extra bags added to your flight, preferred seating, and added flexibility and the PERKS bundle for extra bags and preferred seating. Bundles may only be applied to round-trip bookings.

Additional Baggage Charges and Maximum Limits

image credit: flyfrontier.com

When you fly Frontier, you really want to make sure that your baggage adheres to size and weight restrictions. Otherwise, you’ll be stuck with oversized and overweight baggage fees.

If the dimensions of your checked bag exceed 62 linear inches, you will be charged $75. If your bag weighs more than the permitted 50 pounds, you’ll be charged $75. If any of your bags are both too large and too heavy, you’ll be charged $150 each. These are the prices across all ticket fares and regardless of route.

Bags weighing more than 100 pounds and measuring greater than 110 linear inches will not be allowed to fly unless expressly stated otherwise in the complete Special Items List. If you’re not sure about something you want to bring, call (801) 401-9000 or your nearest Frontier Airlines airport. On routes to or from Canada, bags weighing more than 70 pounds will not be permitted.

DOT-approved car seats and harnesses, wheelchairs, and medical equipment are all exempt from oversize and overweight fees.

Cards That Offer Free Bags

If you travel a lot, you already know that credit cards are the name of the game when it comes to reducing baggage fees.

The following travel credit cards make it possible to fly with checked bags for free with Frontier Airlines using points, built-in benefits, and travel vouchers.

  • Frontier Airlines World Mastercard – qualify for one mile per dollar you spend on Frontier Airlines purchases and receive a $100 flight voucher annually to be used on tickets, baggage fees, seat upgrades, etc. (plus 40,000 bonus miles when you sign up and spend at least $500 within the first three months)
  • Capital One Venture Rewards Credit Card – earn two points for every dollar you spend on any type of purchase (plus 60,000 bonus miles when you open an account and spend $3,000 within the first three months)
  • Chase Sapphire Preferred® Card – earn two points or miles for every dollar you spend on travel, dining, and grocery purchases and one point on everything else (plus 80,000 bonus points just for signing up if you apply now and spend $4,000 in the first three months)
  • Bank of America Travel Rewards – earn 1.5 points for every dollar you spend on any type of purchase, with no limit on how many you can earn (plus 25,000 bonus points when you sign up and spend at least $1,000 in the first three months)
  • Citi Premier® Card – earn three points per dollar at restaurants, grocery stores, and gas stations and on travel including airfare, car rentals, and hotel stays (plus 60,000 bonus points if you spend $4,000 within the first three months of account opening)

Using credit card points for travel is a good habit to get into anyway and it’s one of the easiest ways to get checked bags for free at Frontier Airlines.

Loopholes and Exclusions

Active-duty U.S. military personnel receive one free carry-on bag and two free checked bags in addition to the one free personal item afforded all passengers upon presentation of a valid ID at the time of booking. These two free checked bags are exempt from oversize and overweight fees.

One loophole, if it can be considered that, a lot of Frontier fans use is to travel with only a personal item on short trips. This may mean purchasing toiletries and other necessities after arriving at your destination, but it’s a good way to cut costs. Otherwise, an easy way to reduce baggage fees when flying Frontier is to add bags to your booking right away and check them as soon as possible.

Another way to avoid baggage fees is to reach elite status with Frontier Miles or bundle your ticket add-ons. Both Frontier Miles Elite members and passengers who add the WORKS bundle to their booking are entitled to one free carry-on bag per flight.

To become a Frontier Miles Elite member you just need to sign up for free here. At the Elite 20K tier, you are entitled to priority boarding, fee waivers, and a free carry-on bag. At the Elite 50K tier, you are entitled to these things as well as priority seating and a 1.25x mileage multiplier. At the very top, the Elite 100K tier, you get a 1.5x mileage multiplier as well as a free checked bag on every flight as well as the other perks mentioned.

You can earn miles on every Frontier trip you take, whenever you use a Frontier World Mastercard, and/or by making purchases at Frontier’s mileage partners (e.g. Budget, Marriott Bonvoy, Wyndham Hotels & Resorts, etc.).

How to These Baggage Fees Compare to Similar Airlines

Compared to other airlines like it, Frontier Airlines is only slightly above average in terms of baggage prices, but it doesn’t give passengers as many freebies. For starters, many popular budget airlines like American Airlines and Southwest Airlines give every passenger a free carry-on bag, even those flying Basic Economy or Economy. Some even give you your first checked bag for free.

Additionally, Frontier’s checked baggage prices are a bit high for a budget airline. It’s fairly typical for your first checked bag to cost as little as $30 with other airlines, so the prices at Frontier are not as low as they could be.

With that said, Frontier’s fees for oversized and overweight luggage are slightly below average. Many airlines charge well over $100 per oversize or overweight checked bag, sometimes reaching $200 a piece.

If you want to travel with extra perks and allowances but don’t want to pay the premium this would cost if you were to add everything to your booking individually, you might consider adding a bundle to your booking. These are popular with passengers making longer trips who need to take more bags with them and with larger parties who benefit from increased seating and booking flexibility.

Final Thoughts

Frontier Airlines does in fact have low prices on a number of domestic flights, but this budget airline can quickly get expensive when you add baggage to your bookings. But if you travel pretty light and are good at planning in advance, Frontier is definitely one of the cheapest airlines of 2022. Make good use of your travel credit cards and work toward elite status with Frontier Miles to stretch your budget even further.

✈️ Looking for a new travel credit card this year? See today’s top offers below:

Chase 5/24 Rule Fully Explained

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Have you heard of the Chase 5/24 rule?

Every credit card issuer sets its own rules about how many credit cards you can have open with them at a time and how soon after your most recent card you qualify for another. Sometimes these rules are more like suggestions and sometimes they’re rigid. When you’re talking about Chase Bank, this is referred to as the 5/24 rule. It’s a strict policy for how many new credit cards you can have on your credit report and still get approved for a new card. 

Here’s everything you should know about the 5/24 rule and how it might affect your next credit card application.

✈️ Looking for a new travel credit card this year? See today’s top offers below:

What Is It?

For all intents and purposes, the 5/24 rule is an unofficial policy. You won’t find it explained anywhere by Chase, but enough people know about the rule (and have experienced breaking it themselves) that it’s pretty much common knowledge.

There was a time a few years back when Chase published more information about 5/24, but for one reason or another, decided to remove all trace of it from their website and keep it on the not-so-low down low. Since then, everyone assumes–correctly, if all the rejection letters out there are any indication–that it’s the same rule.

Basically, the 5/24 rule states that no one can be approved for a new Chase card if they have opened 5 or more credit cards in a 24-month period. This includes but is not limited to Chase credit cards.

The 5/24 rule, though not written in any terms and conditions, is strict. It applies to all Chase credit cards and all applicants. Even co-branded credit cards such as the United Club Infinite Card, the World of Hyatt Credit Card, and the Marriott Bonvoy Boundless Credit Card are subject to this policy.

Why does Chase have this rule in the first place? It was likely put in place as a way to prohibit how many sign-up bonuses a single applicant can qualify for. And even more so, to discourage users from applying for cards strictly for bonuses and then never using them again. This practice is referred to as “churning” and Chase, like a lot of credit card companies, frowns upon it.

The 5/24 rule is probably the most well-known, but it’s not the only policy Chase uses to screen applications. There’s also the 2/30 rule, which disqualifies you from getting approved for more than two new cards in 30 days.

Rules for Other Banks

Chase is far from the only bank with a rule like this.

American Express, for example, doesn’t allow anyone to have more than five existing credit card accounts. Capital One limits all customers to opening one personal credit card every six months and to have no more than two open at a time. Discover will only let you have two open cards and you’ll need to wait 12 months between applying for the first and second. Barclays won’t usually let you get a new card if you’ve opened more than six new credit accounts in the past two years.

Other banks limit the total credit you’re allowed to have across all of your cards but are less picky about the number of cards you carry and how often you open them.

Chase is one of few banks that looks at the total number of cards you have with all banks, not just their own.

How It Works – and How to Get Around It

If you break the 5/24 rule when applying for a new credit card, you can be immediately denied. It doesn’t matter how creditworthy you are, how loyal a Chase customer, or how much money you have in the bank (with Chase or otherwise). Even if you check all other boxes, breaking this rule is enough to earn you a rejection letter.

But you might be thinking, “I got around the rule before. Why can’t I now?” Chase used to show favoritism and let some people slide if they were over five cards, such as Private Clients and select new customers, but those workarounds are a thing of the past. Now, it’s very rare to get the rule waived.

So how do you know you’ve been rejected because of the rule? If you’re found to be in violation of the 5/24 rule, your rejection letter will state your reason for denial as “too many credit cards opened in the last two years.”

Don’t reapply right away if you receive this message–doing so will only hurt your credit and won’t get you the card. Also, certainly don’t close any of your existing credit card accounts. This not only negatively impacts your credit but won’t change your 5/24 status.

All Chase credit cards fall under this rule, so you are not any more likely to get rejected for one card over another. The Chase 5/24 rule is applied to credit card applications only–your status will not affect your ability to open a bank account, get a loan, or invest with Chase (although too many new credit accounts of any kind can make you appear less creditworthy).

The only surefire way to get around the 5/24 rule is to just wait it out. Many people have had success applying again after waiting at least 30 days (which is rumored to be the shortest amount of time Chase will allow between applications), but it all depends on when your most recent application was approved.

With that said, you might be able to get around the rule by converting one of your old cards into the new one you’re applying for. Chase sometimes allows customers to convert cards within the Ultimate Rewards category, but you’ll likely forfeit any bonus offer you would have earned to open a new account if you are approved to do this.

Calling for reconsideration can only work if you have a valid reason that the rule shouldn’t apply to you. For example, your reason could be that you have authorized users for your other credit cards and they are counting toward your 5/24 status or that you only just exceeded five new cards days before applying for the new one. As with any time you call for reconsideration, nothing is guaranteed. It really just depends on who happens to answer your call and how cooperative you are.

Check Your Status

To know for sure that you won’t get rejected for having too many new accounts, check your 5/24 status yourself before submitting an application. Chase doesn’t have a fancy process for doing this and they don’t do anything you can’t do.

If you’re not sure how many new credit cards you’ve opened in the last 24 months, you can review your credit report to find out. This is what Chase will do when you apply. Be sure to get a report from each of the three credit bureaus–Equifax, Experian, and TransUnion–to see all of your cards. You can do this for free once per calendar year.

Keep in mind that Chase is looking for approved new accounts. It doesn’t matter if you use the credit cards you’ve opened or even if you’ve closed any since applying. All new credit card accounts that are listed on your credit report count toward your limit, including store cards (Chase or not).

Cards in someone else’s name for which you are an authorized user might also count toward your limit. If this is the case and you’d qualify without these accounts, ask a Chase reconsideration representative that these be disregarded and you may have a shot.

If there are credit cards not listed on your credit report, such as business cards, which do not count toward your personal credit, they do not affect your 5/24 status. Also, credit cards you have applied for and been denied won’t count against you.

Top Chase Credit Cards

If you’re in the clear and ready to apply for another Chase card, make sure you choose wisely.

Here are our picks for the best Chase credit cards.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card offers up to 5 points per dollar on travel and rotating categories and 3 points per dollar on dining, grocery, and streaming.

And with perks like 1:1 point transfer with airline loyalty programs (including United MileagePlus and Southwest Airlines Rapid Rewards); savings with Doordash, Peloton, and Lyft; and a $50 Anniversary Hotel Credit, this is one of the best travel rewards cards out there. We think it’s worth the $95 annual fee. See credit score requirements.

Chase Freedom Unlimited®

This rewards card does almost everything right. The Chase Freedom Unlimited® card earns 5 points per dollar on travel purchased through Chase, 3 points per dollar at restaurants and drugstores, and 1.5 points per dollar on everything else. With no annual fee, this is a crowd favorite for everyday spending and one of the highest-reviewed rewards cards out there.

Chase Freedom Flex is a very similar option, the primary difference between them being that Flex offers 5 points per dollar on travel through Chase and rotating points categories that change quarterly. Also, Flex earns 1 point per dollar on everything else compared to Unlimited’s 1.5.

Ink Business Preferred® Credit Card

If you’re looking for a rewarding business card with a low annual fee, it doesn’t get much better than the Ink Business Preferred® Credit Card. This earns 3 points per dollar on shipping and business expenses (such as advertisements and travel) and 1 point per dollar on everything else.

All cardholders receive complimentary travel and purchase protections such as emergency assistance services, roadside dispatch, purchase protection, and trip cancellation insurance. Plus, waived foreign transaction fees, 1:1 point transfer, and the option to redeem your points for 25% when you put them toward travel. The annual fee is just $95 and you can add additional employee cards to your account at no additional cost.

Although we didn’t include them here, Chase’s co-branded credit cards with airlines and hotels are also pretty good overall. Just remember when applying for these that they’ll affect your 5/24 status.

Final Thoughts

Other banks restrict how many cards you can get approved for in a given period of time, but the Chase 5/24 rule might be the most well-known. Chase won’t budge on this policy, so find out for yourself if you break the rule before you apply for your next Chase credit card. You can use this article to check your 5/24 status if you aren’t sure how.

American Express Reconsideration Line – Tips on What to Say

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Which American Express credit card did you have your eye on when you applied? Maybe it was the The Platinum Card® from American Express that offers over $1,400 in annual perks. Or the Blue Cash Preferred® Card from American Express that gives you up to 6% cash back at U.S. grocery stores. Or one of many prestigious business cards.

You applied–but you got denied.

What a lot of people don’t know is that you can actually call for reconsideration if you are denied an Amex credit card that you feel you should have been eligible for. This process requires you to make a phone call to a dedicated line and doesn’t guarantee approval, but it might be worth it for you.

Here are some strategies for success if you’re thinking about calling American Express for reconsideration. Use this article to prepare what you’re going to say and find out who you need to call to get the job done.

✈️ Looking for a new travel credit card this year? See today’s top offers below:

Find Out Why You Were Denied

American Express will let you know why they didn’t accept your application in your rejection letter. This is required of all credit card issuers by law and is going to be one of the first things you read in the letter.

The reason included with your denial is important if you are thinking about calling for reconsideration. You will need to come up with an explanation for why the reason you were denied should not disqualify you. You will be more or less likely to be successful depending on your reason.

Having too many new credit accounts on your credit history is a common reason for being denied. Too many recent inquiries–for anything from new credit cards to loans–is another thing that can hurt your application and chances for approval because it can make you look like a risky borrower. You may have trouble getting approved even after reconsideration.

If this was your reason, you may do best to just wait six months or so to reapply and avoid opening any new accounts for the time being. This should improve your credit too.

Also note that American Express only allows you to open two new Amex credit cards within 90 days and have five existing accounts with them at a time. You won’t be able to change their mind about these ones if the reason stated in your letter is “too many new accounts” or “too many American Express accounts.”

If your credit history is too short, as in you haven’t been building your credit for long and your accounts are young overall, you probably won’t qualify for a premium card just yet. But if you didn’t apply for a premium card, you might be able to talk your way to approval.

Income and credit score requirements cause a lot of American Express applicants to be denied. Some of their cards are pretty tough to get. If one of these things was given as your reason, you may be successful when asking for reconsideration and there are steps you can do to make your application stronger.

Who to Call

The phone number you need to call for reconsideration is 1-800-567-1083. This is the dedicated reconsideration line for new personal credit card applications. The dedicated reconsideration line for customers who already have an American Express account is 866-314-0237. Both lines are open between 8 am and 12 am Monday through Friday and between 10 am and 6:30 pm on Saturday (closed Sunday).

It is best to call for reconsideration within 30 days of being denied. This is how long American Express will usually accept requests for a second review before closing the application permanently.

If you do decide to submit another application after going through reconsideration, wait at least 30 days after receiving your rejection notice. It is not likely that you will be approved so soon after being denied and you don’t want to add another hard credit inquiry to your report. The next section will help you determine when to call and how to get ready.

How to Prepare

Before you call the American Express reconsideration line, you need to be sure that you’ve been denied. Don’t call if you’ve been waiting for a response after applying and assume you’ve been turned down.

If you haven’t heard back at all, go online to check the status of your application. It only takes a couple of minutes. Or, you can call 1-888-826-3471. Your application will show as either approved, denied, in progress, or canceled. If it’s still in progress, continue waiting before calling for reconsideration. This is not an automatic “no.”

If it shows that it has been canceled, there might have been an issue with your application and you will need to call American Express to find out if they need anything from you to process your application.

After receiving a rejection letter for any credit card, it’s a good idea to get to work building your credit and improving your financial situation, whatever that may look like for you. For example, try paying down your debt to quickly decrease your credit utilization ratio, shooting for somewhere around 30%.

Finally, although not necessarily recommended, you could close another one of your other credit card accounts if you have too many open. This can negatively affect your credit by lowering the average age of your accounts but may allow you to open one more. Don’t do this unless you feel strongly that this new card is better for you than your other cards and definitely don’t close your oldest card. And again, nothing is guaranteed, so this is somewhat risky.

In general, it’s a little more complicated to have a business card application reconsidered than it is to have a personal card application reconsidered. You may need to provide documents to show that your company is legitimate and help the representative understand how you plan to use the card.

Review Your Application

Did you accidentally leave a question on your application blank? Answer something incorrectly? Fail to provide necessary documents? Any of these things can land your application in the metaphorical “no” pile or cause it to be automatically canceled, but they are easy to fix.

Before calling for reconsideration, make sure that your application was filled out properly. Getting approved could be as simple as correcting a mistake on your application.

Review Your Credit Report

The reason you were denied might not even be your fault. There could be an error in your credit history–like an incorrect date, a debt recorded twice, or a misreported account balance–that caused your application to be automatically denied.

You can dispute an error on your credit report by calling the credit bureau responsible for the report containing the mistake. Each bureau has its own process for opening a dispute. Wait until your credit report is 100% accurate to call American Express for reconsideration.

Use Your Current Credit Cards

Especially if you already have American Express cards open, you want to show that you use them. Add spend to your cards and pay the balance in full before the due date. You want to appear as American Express’s #1 customer.

Do the same with your other credit cards as well, just don’t send your credit utilization ratio skyrocketing.

Call for Reconsideration

If you have taken the above steps to build your case, you’re ready to call American Express for reconsideration. This is not the same as reapplying, so it doesn’t require a second hard inquiry and they can use your existing application.

The next section will help you figure out what to say for the best chance of approval.

What to Say

Prepare what you’re going to say with the reason you were denied in mind. You don’t want to fumble your way through the call. American Express does not guarantee that asking for reconsideration will change your outcome, but it’s worth a shot.

Was your reason that your income is too low? Explain how you have been working to increase your cash flow and pay down debt with careful budgeting. It’s possible that lowering your overall credit limit by calling your other credit card issuers can help with this issue to improve your potential debt to income ratio.

Was your reason that you already have too much credit with American Express? Explain that you are happy to shift some of your existing credit with the bank to this new card. This often works.

Was your reason that you have poor or too little credit? American Express does not allow co-signers, but you might be able to provide examples of ways you are working to build or improve your credit. Or if you found that your credit report had an error that brought your credit score down and you have since resolved it, you can explain the situation to the agent and they will reconsider your application with your new score.

When you call for reconsideration, be prepared to answer a series of questions. Be patient and helpful to the representative you’re working with and they’re more likely to be willing to hear you out.

The American Express agent reviewing your application may ask you to submit additional documents to support your case. For example, they may request proof of income such as a pay stub or ask for a copy of your lease or title papers to prove that your current address matches the one on your application.

They will also probably ask you to provide more detail than the application asked for. They may ask you to explain why you have so many recent hard inquiries or have opened so many new cards, for example. Maybe you just moved and needed to apply for a mortgage, car loan, and new credit card in a short time period. Depending on how strong your application is otherwise, this can work.

By the end of your reconsideration call, you should know whether your application has been accepted or denied.

What to Do If You Are Denied After Reconsideration

Calling for reconsideration doesn’t always work. You may receive the same answer you did the first time. If you get denied the first time you try, you can always try again. Wait a day or two before calling back.

Feel free to ask the American Express agent for suggestions if you get denied. Even if you don’t walk away with a new card, use this opportunity to find out what Amex is looking for in applicants and how to make yourself more creditworthy in the future.

If you keep getting denied, the issue could be that you set your sights too high. Maybe you applied for a luxury card but something geared more toward everyday use would be a better fit given your credit, income, and history.

If you do plan to reapply, we recommend waiting at least six months. Although you can technically submit another application just 30 days following rejection, your chances might not be a lot better in such a short time frame. Plus, reapplying requires a hard credit pull that will hurt your credit. Don’t do it until you’re much more confident about being approved.

Final Thoughts

You don’t have anything to lose by calling the reconsideration line when you get denied for an American Express credit card. If you received a rejection letter after your most recent application, you can call to have your application manually reviewed a second time within 30 days.

American Express cards are a little bit harder to qualify for than the average credit card, with some cards requiring excellent credit to get approved. So you may not hear what you want to hear when you apply, but you may have better luck the second or third time around–especially if you’re well prepared for the conversation.

✈️ Looking for a new travel credit card this year? See today’s top offers below:

Icelandair Baggage Fees, Policy & Loopholes

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Full disclosure: We may receive financial compensation when you click on links and are approved for products from our advertising partners. Opinions and product recommendations on FlyerGeek are those of our writers and have not been influenced, reviewed or approved by any advertiser. Learn more about how we make money.

They still recommend for your safety and convenience traveling with as little carry-on baggage as possible.

Passengers are reminded that they still have the option to check in approved carry-on baggage at no additional cost. Please speak with a representative at the airport check-in desk or at the gate.]

You probably know that the aptly-named Icelandair can get you to and from the lush Nordic island of Iceland (and several other European countries), but do you know everything there is to know about their baggage policies and allowances in 2022?

If not, and for more information about ways to save, keep reading.

✈️ Looking for a new travel credit card this year? See today’s top offers below:

Carry-On Rules for Icelandair

When it comes to baggage fees for Icelandair flights, what you’ll pay and what you’re allowed to bring is entirely dependent on your flight class. There are ​five flight classes​ for this airline:

  • Economy Light
  • Economy Standard
  • Economy Flex
  • Saga Premium
  • Saga Premium Flex

Every​ flyer is allowed ​one free carry-on​ and ​one free personal item ​aboard their flight, and Saga Premium Flex passengers are allowed ​two free carry-ons​ and one personal item.

Carry-ons are restricted to a maximum dimension of ​21.6” x 15.7” x 7.8” ​and maximum weight of ​22 pounds​ and these must fit in the overhead compartment of your plane.​ ​Personal items are restricted to a maximum dimension of ​15.7” x 11.8” x 5.9” ​and these must fit under the seat in front of you. These size and weight restrictions for carry-ons and personal items apply to all passengers.

Checked Baggage Rules for Icelandair

Size and weight restrictions for checked baggage, on the other hand, are ​not ​the same for all fare types on Icelandair flights. If you’re in a premium Saga class, you are permitted to check heavier bags for no additional fee. With that said, the standard weight allowance for checked bags is ​50 pounds​ and the standard dimension ​62 linear inches.

See the chart below for bag allowances by class.

Number of Checked BagsWeight
Economy Light0–
Economy Standard150 lbs
Economy Flex150 lbs
Saga Premium270 lbs
Saga Premium Flex270 lbs

But flying Economy Light doesn’t mean flying with no checked baggage. These allowances are simply what’s included in your fare.​ Any passenger can purchase additional bags or heavier bags than their fare permits. The maximum per person is 10 checked bags.

Certain ​baggage is allowed free of charge​ to qualifying passengers, either onboard or as cargo. This includes:

  • Folding strollers
  • Approved child car seats
  • Wheelchairs (read about maximum dimensions ​here​)

Excess Baggage Fees For Icelandair

Icelandair enforces excess baggage rules depending on flight route. Flights from Iceland to Europe, from Iceland to the U.S. or Canada, and from Europe to the U.S. or Canada all incur distinct oversize, overweight, and additional bag fees. See these below.

1 Additional Bag (50 lbs)1 Additional Bag (50 – 70 lbs)
Iceland to Europe$59$50
Iceland to U.S. or Canada$69$58
Europe to U.S. or Canada$95$80

Icelandair’s website does not specify what you’ll pay for items that are oversize in dimension but not weight (A.K.A. too large but not too heavy). Though if your items fall into one of the following oversize baggage categories, here’s exactly what you’ll be charged per item for a one-way flight:

Skis, Angling, Golf Equipment, Skateboard, Weapons, Diving, HockeyBikes, Kites, SurfboardsKayaks, Vaulting Poles, Windsurfing, Surf BoardsOversize Musical Instruments
Iceland to Europe$42$83$126$42
Iceland to U.S. or Canada$49$99$148$49
Europe to U.S. or Canada$58$116$174$58

Keep in mind that heavy bags can only be paid for at the airport and that excess baggage fees are non-refundable.

Money saving tip:​ If you pre-purchase extra baggage through ​Manage Booking​ or an Icelandair service center ​before checking in ​for a flight exclusively through Icelandair, your baggage charges will be discounted 20% ​(a maximum of three additional bags can be discounted in this way).

How to Get Reimbursed For Baggage Fees

Travel credit cards are the way to go when it comes to getting the money you pay in incidental flight fees back. For more cash in your pockets, consider one of these credit cards:

  • The Platinum Card® from American Express: ​$200 annual reimbursement
  • American Express® Gold Card​: $100
  • Bank of America Premium Rewards:​ $200
  • Chase Sapphire Reserve®:​ $300
  • Citi Prestige​: $250

Travel reimbursements will save you some serious money long-term.

Credit Cards That Let You Check Bags For Free

The Icelandair Mastercard and Icelandair Premium Mastercard are the two airline-exclusive credit cards to look into if you’re wanting to earn more points for Icelandair flights and purchases. These cards, issued by ​First Bankcard​, have no foreign transaction fees and can earn you points, called Saga Points, on Icelandair purchases and purchases made anywhere else. These can be spent on baggage fees, flights, and more. To apply for these cards, you must become a member of the ​Saga Club frequent flyer program (more on this next).

The Icelandair Mastercard comes with no annual fee and awards 5,000 points as a first purchase bonus, one point per dollar spent on Icelandair purchases, and 0.5 points per dollar spent everywhere else. The Icelandair Premium Mastercard costs $39 a year, awards 10,000 points as a first purchase bonus, two points per dollar spent on Icelandair purchases, and one point per dollar spent everywhere else.

Icelandair Fee Waivers & Loopholes

Because it is a European airline, Icelandair does not offer discounts or fee waivers to U.S. active duty military members or their dependents. However, there are a couple of ways to hack your way to discounted prices through Icelandair. The first is to become a member of the ​Saga Club​.

Anyone over the age of 12 can ​become a member​ of the Saga Club, but only members with 40,000 or more Saga points are upgraded to Saga Silver status and only members with 80,000 are upgraded to Saga Gold. Silver and Gold flyers earn more rewards and have priority access to exclusive offers (remember those free extra checked bags?) and upgrades that other passengers do not. The Saga Club does not cost anything to join.

Another way to save is to use Alaska Airlines points and miles on Icelandair flights and fees. This works because ​Alaska Airlines is Icelandair’s largest U.S. partner​, so many rewards between these airlines are interchangeable. Of course, always opt for economy class when possible, check your bags ahead of time, and keep your baggage under the size and weight restrictions, as well.

How to Save Money Flying Icelandair

You’ll find that there are many ways to cut costs when flying with Icelandair. By knowing the (above) baggage rules, policies and potential waivers, you’ll be in the best position to fly Icelandair at the lowest possible cost to you and your family.

Alaska Airlines Baggage Fees & Loopholes

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Scroll down to find clever ways to avoid or reduce baggage fees when flying on Alaska Airlines.
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If you haven’t visited the Alaska Airlines baggage information page in a while, you should take the time to familiarize yourself with current rules. Knowing the ins and outs of baggage policies makes it possible to save as much time and money as possible when flying, and this guide to 2022 fees and allowances can help with that.

From up-to-date bag size restrictions to every potential fee and waiver, here’s every baggage policy you’ll need to know before flying Alaska Airlines.

✈️ Looking for a new travel credit card this year? See today’s top offers below:

Alaska Airlines Carry-On Rules

Alaska Airlines passengers are allowed two free carry-on items per flight: one personal item and one standard carry-on bag.

In 2022, carry-on bags must be no larger than ​22” x 14” x 9”​. Current size guidelines stipulate that your total bag measurement (length + height + width) should not exceed ​45 inches ​(linear).

There is no size rule for personal items, but Alaska Airlines lists purses, laptops, and briefcases as examples of acceptable carry-on items. Lap infants are ​not g​ iven separate baggage allowances, so diaper bags must be counted toward the standard carry-on allowance.

Other items that can count as a carry-on bag but that may exceed size restrictions (as long as they still fit safely on board) include:

  • Human Organs
  • Art/advertising portfolios
  • Paintings
  • Delicate scientific equipment
  • Fishing poles
  • Small musical instruments

Items that can be brought on board that do not count toward the carry-on limit include:

  • Coats, hats, and umbrellas
  • Pillows
  • Food to be consumed on the flight
  • Child restraint seats and transportation devices such as car seats and strollers
  • Properly documented service animals
  • Mobility and medical assistive devices such as wheelchairs, breast pumps, and walkers

Alaska Airlines Checked Baggage Rules for 2022

  1. Alaska Airlines allows a weight of ​50 pounds​ and linear measurement of ​62 inches​ for standard checked baggage. Bags weighing and/or measuring more than this will be charged additional fees (outlined in the section below).

For bags within the standard size and weight restrictions, the fees are as follows:

1 bag2 bag3 bag3+ bags
$30$40$100$100 (each)

Items exempt from checked baggage charges include:

  • Strollers and car seats
  • Pineapple from Hawaii
  • Mobility and medical ​assistive devices
  • Wine—for ​Mileage Plan​ members through select US airports only

Fees for checked baggage may be paid at any airport counter or during check-in online. If your flight is eligible for ​self-tagged baggage​, you can print your luggage tags at home beforehand or at a self-tag kiosk to save yourself time in lines (note: size and weight fee restrictions still apply).

It’s useful to know about the Alaska Airlines 20 minute baggage guarantee. Alaska Airlines commits to getting its customers their checked bags within 20 minutes of their plane’s arrival at the gate. If this time guarantee is not met and a customer is kept waiting at baggage claim for their luggage, they are eligible to receive either a $25 discount code or 2,500 bonus miles.

Baggage Fees for Trips that Include Multiple Flights

If you’re flying to a destination with one or more stops along the way you may have to pay additional baggage fees if any of your layover(s) are more than 12 hours. In the event that your layover is longer than 12 hours you will need to claim and recheck your baggage. If you had to pay for additional or oversized baggage in a previous leg of your trip, then you’ll likely pay for it again in this scenario. Any layover under 12 hours, Alaska will book your luggage all the way through to your final destination.

Excess Baggage Fees

Bags weighing more than 100 pounds and/or measuring greater than 115” (linear) are strictly prohibited, but checked-baggage may exceed the standard limits as long as it does not exceed these maximums. Oversize and overweight baggage incurs additional charges.

Here is a chart of price per bag for checked luggage that exceeds size allowances.

AllowedFees
< 50 lbs and < 62” YesStandard
51 – 100 lbsYes$100
63 – 115”Yes$100
> 100 lbs and/or > 115”No–

If a bag weighs more than 50 pounds ​and​ measures more than 62 inches, only $100 is charged. ​Special baggage items​ including firearms, sports equipment, fragile/bulky items, musical instrument, and big game have their own restrictions, so make sure you know those as well. Also see ​seasonal checked baggage limits​ per person during peak travel times.

These Credit Cards Reduce Baggage Fees

Many travel credit cards reimburse cardholders for incidental fees associated with flying, and that includes checked bagged charges. The following major credit cards offer annual baggage fee reimbursement:

  • The Platinum Card® from American Express:​ $200 annual reimbursement
  • American Express® Gold Card​: $100
  • Bank of America® Premium Rewards® credit card:​ $200
  • Chase Sapphire Reserve®:​ $300
  • Citi Prestige® Card​: $250

Many cards also offer luggage reimbursement for lost or stolen luggage, which is probably worth looking into if you do a lot of traveling or are flying with valuables.

Credit Cards That Give You 1 Free Checked Bag

You get one free bag per flight with any of these cards above.

Alaska Airlines has a few airline-branded credit cards that you can use to automatically get free checked bags rather than having to get your payments reimbursed. These cards, associated with Bank of America, are:

  • Alaska Airlines Visa Signature
  • Alaska Airlines Visa Signature Business
  • Alaska Airlines World Elite Mastercard

Each of these cards offers its members ​one free checked bag​. This baggage fee waiver applies for up to 6 guests traveling in the same reservation. In addition to free checked bags, Alaska Airlines credit cardholders can earn miles, get cashback on in-flight purchases, take advantage of ​Alaska’s Famous Companion Fare​, receive discounted lounge passes, and more.

Waivers and Loopholes

Travel cards aren’t the only way to hack the system. Some flyers that do not hold qualifying credit cards can still have baggage fees waived through Alaska Airlines if they meet certain guidelines. These include:

  • Active duty US Military personnel and dependents​: first 5 bags free (see more exemptions below)
  • First Class flyers, upgraded before baggage has been checked​: first 2 bags free
  • Flyers traveling within Alaska​: first 3 bags free
  • Elite Mileage Plan members: first 2 bags free
  • Club 49​ (a Mileage Plan program for Alaska residents) members:​ first 2 bags free

To qualify for military discounts, individuals must present valid military ID at the time of baggage check. In addition to free checked bags, active duty military personnel and their dependents have overweight and oversize fees waived for bags weighing up to 70 pounds and measuring greater than 115.”

Knowing Alaska Airlines Baggage Fees and Policies

Find out if you qualify for baggage fee exemptions, whether your baggage meets acceptable guidelines, and what you are allowed to bring with you ​before ​you board your plane. Be an informed traveler to make the most of every flight.

Chase Private Client – Are The Benefits Worth It in 2022

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The Chase Private Client Welcome Kit was designed by AlyssaStrand. Image courtesy of AlyssaStrand.com
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[Update January 2022: The $2,000 welcome bonus is now available by invitation from Chase. A FlyerGeek subscriber received the offer in his (physical) mailbox on January 13, 2022. See the comment section below for more information.]

In 2022, banking is more sophisticated and nuanced than just putting money into an account for safe-keeping. And with so much at stake, you want to make sure that you’re partnering with the right bank to meet all of your financial goals and needs.

If you’re a Chase customer with considerable assets under your belt, you may be considering the Chase Private Client Program. This personalized membership offers countless member-exclusive benefits, including one-on-one time with various financial advisors, banking and lending perks, and discounts on loans and transactions.

Here is a detailed look at everything this elite club has to offer.

✈️ Looking for a new travel credit card this year? See today’s top offers below:

What Is the Chase Private Client Program?

The Chase Private Client Program (CPCP) is an invite-only program that offers countless exclusive benefits and services to its members. According to the bank, Private Clients enjoy a “personalized relationship” with Chase through which they receive access to only the best banking features and services offered.

From customized ​J.P. Morgan investing guidance​ to exclusive lending programs, there’s almost no end to the special treatment you’ll get as a Private Client. Other benefits include but are not limited to:

☎️ Priority banking service (24/7 on-call access)
💳 Member-only credit cards
🏠 Loan discounts*
👵🏻 Extensive retirement and financial planning resources
💰 Lower fees on most transactions (including those made abroad) and higher withdrawal and credit limits
🤵 Access to dedicated lending advisors
  • Chase Home Lending offers $500 off of the processing fee for Chase Private Clients with combined assets of $150,000 – $499,999 in eligible Chase deposit accounts and waives the entire processing fee (up to $1,150 for most loans) completely for $500,000+ in such eligible accounts.
  • Receive a 0.25% discount on your standard auto loan when you’re a Chase Private Client customer.

Who Is Eligible for the Private Client Program?

Not just anyone can become a Private Client (PC) with Chase. This invitation is given only to Chase’s “best customers,” and you’ll either need to request a meeting with a Private Client banker to discuss your qualifications or wait around for a letter just to be invited. There are two ways to qualify for an upgrade to top-tier status with Chase:

Have a combined total of $250,000 or more between all of your Chase personal and business checking, savings, and investment accounts. This does not include online self-directed investment accounts with ​You Invest​ or retirement accounts.

Have a family member extend their Private Client membership to you. Though being a Private Client does not technically cost anything in membership fees, members not invited by a family member must maintain a daily average of $250,000 for continued status. Within 45 days of upgrading, Private Clients must disperse this sum across whichever qualifying accounts they choose.

For most, that’s quite a chunk of cash and not a lot of time. You’ll want to consider any opportunity loss you may incur from moving money out of another investment or savings vehicle to meet this $250,000 requirement. If you don’t have that kind of money lying around, you might find yourself selling shares of stock, pulling from a savings account that was accruing interest, and even missing out on countless investment opportunities you were considering pulling the trigger on – just to meet this target. You’ll have to decide for yourself if the program is worth the sacrifice.

The second way to hack your way into the CPCP is to become a joint account owner with another Chase Private Client that is an immediate family member. All adult members of a shared Private Client deposit account are awarded the privileges of a membership, whether each of them has $250,000 or not. This loophole is utilized by many Chase customers that would otherwise never qualify for elite status.

Benefits of the Chase Private Client Program

Several aspects of modern banking are changed for Chase members elevated to Private Client status—overall, the program has many strengths, but it also has many caveats. Chase works hard to keep its Private Clients, but be sure to read the fine print before you make any decisions.

$2,000 Sign-Up Bonus – Back January 2022!

$2000 Sign Up Bonus sent via mail January 13, 2022 to FlyerGeek subscriber JB.

Chase customers opting to upgrade to Private Client status are periodically provided a hefty reward.

Chase is offering existing clients upgrading to Chase Private Client a lucrative welcome bonus of 💰$2,000💰 after completing a few qualifying actions.

Qualifying actions include:

  1. Meet with a Private Client Banker to upgrade to Chase Private Client CheckingSM account and
  2. Within 45 calendar days, transfer a total of $250,000 or more in qualifying new money or securities to a combination of eligible accounts.

Eligible VS Ineligible Accounts:

–  Eligible Accounts: qualifying Chase personal checking accounts and savings accounts, as well as J.P. Morgan investment accounts. These must be opened in a Chase branch and serviced by a J.P. Morgan Private Client Advisor or Financial Advisor. 

–  Ineligible Accounts: Chase business checking and savings accounts, any You InvestSM accounts, any J.P. Morgan retirement accounts (such as Traditional and Roth IRAs, Keoghs, SEP and SIMPLE IRAs, and 401(k) plans); CDs; insurance products; fixed and variable annuities; J.P.Morgan Fund Accounts; 529 College Savings Plans; attorney trust accounts; client fund trust accounts; as well as Government or Non-Profit accounts.

Credit Cards and Rewards

Behold! These are Chase Bank’s most illustrious credit cards. Image courtesy of AlyssaStrand.com

The Private Client Program does not have any unique cards except for the debit card given to members; even the highest-rated Chase cards are available to all. Any Chase member can apply for the ​Chase Sapphire Reserve®, an elusive travel card that un​officially requires a credit score of 750 or higher​, and the ​Chase Sapphire Preferred® Card, which requires a 700 or higher.

Private Clients are more likely to have these cards, but their approval odds are only higher because they have more money and better credit to begin with. If a person is likely to qualify as a Private Client, they are also likely to qualify for the top cards. The CPCP does not guarantee credit card approval and card rewards and points are the same for everyone.

Unless you’re a long-time personal finance junkie, you’re probably not familiar with the Chase 5/24 rule. This quietly enforced “no more than 5 credit card accounts opened in the course of 24 months” rule includes ​all​ cards that contribute to a person’s credit (not just Chase), and it is firm for everyone. That means that PC’s aren’t likely to get around this stipulation even though they are Chase’s “favorites.”

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Convenient Banking

Members of the Chase Private Client Program never have to go long without getting help. Private Clients have access to a 24/7 exclusive Banking Services line ​(Domestic: 1-888-994-5626, International: 1-405-235-4847) to answer questions the moment they have them, no in-person appointment or hours on the hold required.

Members of this program also have a dedicated banker ready to help them navigate and make the most of their membership. There’s a lot to the private program, but clients don’t have to figure it out alone. ​In addition to these helplines, Private Clients are offered a number of banking benefits, including:

●  Higher daily ATM withdrawal limits (up to $2,000)

●  Higher daily purchase limits (up to $7,500 with Chase Private Client debit card)

●  Higher QuickDeposit and QuickPay limits ​($25,000 per day and $100,000 every 30 days and $5,000 per day and $40,000 every 30 days, respectively)

●  Rushed (free) card replacement

●  No Chase fees at non-Chase ATMs or on wire transfers

●  No monthly service fees on checking or savings accounts

Business Account Bonuses

Chase members with Private Client status that also use ​Chase for their business banking​ can count on a few special accommodations. Specialized business banking advisors are assigned to every Private Client business owner. These advisors can answer any of your questions and help you strategize your business spending so that you’re using your money as effectively as possible.

Private Clients do not pay any fees on electronic deposits to Platinum or Total Business Checking Accounts or service fees on these accounts. Even better, minimum balance requirements are lower for Private Client Platinum Business Checking accounts. If you’re wondering whether your business account funds can be used to qualify you to become a Private Client, the answer is yes.

Investment and Retirement Counseling

Rest easy with a dedicated investment advisor.

Members of the Chase Private Client Program get to partner up with dedicated J.P. Morgan investment advisors. Because J.P. Morgan is one of the biggest investment banking companies in the business, that means access to global expertise and vast market research. Clients meet with their advisors regularly to discuss immediate financial needs and market and economic trends as well as smart next moves.

Chase Private Client members also get help preparing for retirement​ in the form of a comprehensive 4-step plan. Through this plan, clients identify what they want to get out of retirement, evaluate their current financial situation, develop strategies for success, and assess their goal progression, all with the help of an investment professional.

However, there is a catch. Giving J.P. Morgan the reins to manage your investment portfolio and offer advice isn’t free, even for Private Clients. An annual fee of 1.25%, billed quarterly, is charged for portfolio management services from J.P. Morgan. Many professional portfolio advisors, through firms like Vanguard and Personal Capital, charge less than this (the average is more in the 1% range). If users choose to use You Invest, a self-directed free trading platform, instead, their investment opportunities will be severely limited and their returns much lower.

Mortgage and Loan Advice

The stressful process of taking out a home mortgage or auto loan is made less stressful for Private Clients because these Chase members receive discounted rates on lending and top-notch personal loan advice. Through the Chase Private Client Mortgage Rate Program, members work with home lending advisors and other team members such as underwriters and processors to plan their home loans with big picture financial goals in mind.

When it’s time to take out a loan, Private Clients can expect up to 1.25% off the standard variable rate for a home equity line of credit and a 0.25% rate discount off standard auto loan rates with an additional 0.25% off of that when refinancing.

Privileges for the Whole Family

Benefits the whole family can enjoy!

While Chase Private Clients can extend their benefits to other members of their immediate family with whom they share accounts, the family privileges of this membership don’t stop there.

Parents might like the fact that they can set withdrawal and spending limits on authorized debit cards for use by their kids through the Private Client Program, but young adults can learn more about responsible banking themselves through ​Chase’s Student Banking Program​. However, these features are not exclusive to the CPCP.

Additional Benefits

There are a few final hidden perks to the Chase Private Client Program that shouldn’t be overlooked for those that enjoy skipping lines and being treated like a VIP. Chase Private Clients have access to annual member-exclusive events, early ticket purchase on select entertainment, and can even utilize their membership to gain special entry into certain institutions through the Chase Private Client Arts & Culture Program​ (though use of this perk is limited).

Does It Pay to Be a Chase Private Client?

The CPCP likely isn’t for anyone still improving their credit, new to investing, paying off large loans (other than perhaps home loans and mortgages), or just beginning to plan for retirement.

The Chase Private Client Program is best-suited for larger asset-holding Chase customers that favor convenience and may want a little help with big financial decisions but have already made some progress towards long-term financial goals. It’s also worth noting that not all Chase banks participate in this program, so this is very much a case by case offer.

As with anything, there are pros and cons. There are discounted loan rates, waived service fees, and member-exclusive events, but there’s also that massive $250,000 ​minimum ​account balance requirement.

Do you have experience being a Chase Private Client? Please share in the comments.

✈️ Looking for a new travel credit card this year? See today’s top offers below: