You can snuggle down in a business- or first-class seat without paying a fortune

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It is possible to get the all-important lie-flat seat in business or first class without paying full price. Here's how.

let passengers use miles plus a co-pay of $75, on domestic routes in the Lower 48. Sometimes an upgrade is available immediately when you call the airline’s award desk, but usually you’ll be put on a wait list. How far in advance you book, the price of the economy fare and the time you check in for the flight may affect your chances.

Upgrades on flights to Hawaii and international destinations probably will cost more miles and come with higher co-pays. Other airlines besides those mentioned also allow mileage upgrades.As with airfares, the number of miles or points you’ll need can vary. Check online first to see what you can find but don’t hesitate to call the awards desk.

Airlines are marketing credit cards aboard flights that offer added incentives not available online. On a recent American Airlines trip, the flight attendants handed out applications for a co-branded AA/Mastercard with no annual fee for the first year and a $1 minimum spend. I applied and used the miles for a free business-class trip.

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