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Over the past year, we've seen airlines continue to add restrictions to the cheapest basic economy tickets. Now these unbundled fares are expanding to include premium seats: United introduced its new lower-priced business-class fare in April, and Delta followed with its own basic business fare in July.

These fares include access to the same larger seat but may lack other standard business-class amenities, like lounge access or two free checked bags. As such, these restrictions can increase the value of having a co-branded airline credit card or premium travel credit card.

With the right credit card, you can regain access to certain benefits while still paying the lower "basic" price. Here's how.

Do you have a credit card or travel rewards question?

Basic business fares are unbundled flights with a cheaper upfront price and fewer amenities. That means you'll have to pay for perks that are typically included with a more expensive ticket. You could be charged fees for additional checked bags and advance seat selection. The cheapest fares also can have higher change or cancellation fees.

Unbundled airfare was initially largely confined to ultra-low-cost carriers like Frontier Airlines and the now-defunct Spirit Airlines. This practice slowly became standard when the major airlines introduced basic economy fares. Over time, basic economy flights have become more restrictive, and in some cases you won't earn miles on basic economy tickets.

Now, more airlines are rolling out unbundled premium fares. You'll still get the same bigger comfy seat with these cheaper tickets, but you'll have to pay for what used to be included. Basic premium fares are available with Delta, United and a handful of international airlines.

If you're interested in purchasing one of these lower-priced premium fares, here's what you could be missing out on or have to pay extra for (restrictions vary by airline):

  • Free advanced seat selection
  • Additional free checked bags
  • Airport lounge access
  • Free changes or cancellations
  • Earn fewer miles
  • Upgrades
  • Priority check-in

Co-branded credit cards won't unlock the full suite of benefits for your basic business class seat, but the right card perks can restore some benefits.

For example, Delta's new basic business fares currently include access to Delta lounges through Jan. 18, 2027. After that date, basic business fares will no longer include Delta lounge access. You can still get lounge access in other ways, such as with a paid Delta SkyClub membership or the right credit card.

The Delta SkyMiles® Reserve Business American Express Card is an option for anyone who wants Delta SkyClub access with a basic business fare. While this card won't directly replace all of the amenities you miss with a basic business fare, it offers two free checked bags on domestic Delta flights. This can offset the reduced baggage allowance for those flights. It also helps to alleviate the reduced mileage earnings with 3X miles on direct Delta purchases.

The Delta SkyMiles® Reserve Business American Express Card offers airport lounge access, Delta status boost opportunities and an elevated return for certain business expenditures.

  • Access to airport lounges, including Amex Centurion lounges
  • Up to $610 in yearly statement credits

  • Delta elite status boosts (Enrollment required for select benefits mentioned)

  • High annual fee

  • Weak spending bonus categories compared to other business cards

Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.

  • Welcome Offer: Earn 80,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Delta SkyMiles® Reserve Business Members receive 15 Visits each Medallion® Year to the Delta Sky Club® when flying Delta and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
  • Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
  • Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
  • Earn 3 miles per dollar on eligible Delta purchases.
  • When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
  • Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • Enjoy your first checked bag free on Delta flights worldwide – and on domestic Delta flights, your second bag flies free too.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers. Enrollment required.
  • With the $240 Resy Credit, earn up to $20 per month in statement credits at over 10,000 qualifying U.S. Resy restaurants for eligible purchases using your enrolled card.
  • Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
  • Terms and limitations apply.
  • See Rates & Fees

Keep in mind basic business fare restrictions vary by airline. For example, once the lounge restriction is in place, Delta basic business tickets won't include access to any Delta lounge, including the premium Delta One Lounges and the standard Delta Sky Clubs. (The Delta SkyMiles Reserve Business includes access to Delta Sky Clubs, so you can still get in after the fare's complimentary access ends.) The consumer Delta SkyMiles® Reserve American Express Card offers the same perks:

The Delta SkyMiles® Reserve American Express Card's array of premium benefits make it a perfect fit for the most loyal Delta flyers, including elite status boosts, rideshare credits (enrollment required) and airport lounge access.

  • Access to airport lounges, including Amex Centurion lounges
  • Up to $560 in annual statement credits (Enrollment may be required)

  • 15% discount for eligible Delta award flights (Not applicable to partner-operated flights or to taxes and fees.)

  • High annual fee

  • No bonus spending categories outside of Delta purchases

Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.

  • You may be eligible for as high as 100,000 Bonus Miles after you spend $5,000 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.
  • Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you'll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
  • Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
  • Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
  • $240 Resy Credit: Get up to $20 in statement credits each month at over 10,000 qualifying U.S. Resy restaurants after you pay with your enrolled Delta SkyMiles® Reserve American Express Card for eligible purchases.
  • Global Dining Access by Resy gives you special access to sought-after U.S. Resy restaurants when you add your Delta SkyMiles® Reserve American Express Card to your Resy profile. Access to exclusive reservations, premium dining experiences, Priority Notify, and more, all from Resy.com or the Resy app.
  • $120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card for U.S. rideshare purchases with select providers. Enrollment Required.
  • Check your first bag for free on Delta flights worldwide and get a second bag free when flying domestically.
  • Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
  • Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • $650 Annual Fee.
  • Terms Apply.
  • See Rates & Fees

United's basic business fares will only exclude access to its premium Polaris lounges; you'll still have access to United Club locations. That means the lounge access offered by a card like the United Club℠ Card (see rates and fees) or the United Club℠ Business Card isn't particularly useful with a basic business fare — but other cards' benefits, such as two free checked bags, can still be helpful.

If you're looking for a lower-fee option, the consumer United Quest℠ Card (see rates and fees) also offers a free first and second checked bag.

Booking with miles

Perhaps the most affordable way to avoid the restrictions of basic business and other unbundled fares is to book with miles. Outside of Delta and JetBlue, most airlines have not implemented the same level of basic economy restrictions to flights booked with miles.

While every airline has different rules, typically, when you book award travel with a major U.S.-based airline, you can take advantage of generous change or cancellation policies, with no or low fees. And award flights usually don't have additional lounge access restrictions.

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For rates and fees for the Delta SkyMiles® Reserve American Express Card, click here.

For rates and fees for the Delta SkyMiles® Reserve Business American Express Card, click here.

Editorial Note:Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.