A hitch quotes two numbers. Gross trailer weight is what it can pull. Tongue weight is what it can support downward at the receiver. A cargo carrier pulls nothing, so only tongue weight applies — and reading the towing figure instead is a genuine and common mistake.
Then subtract the carrier. A steel basket can be 60-70 lb, which comes straight off your allowance. On a Class II hitch rated at 350 lb, that leaves under 300 lb of cargo.
One further subtlety: a carrier’s load sits on a lever extending 20 inches or more behind the receiver, which is a harder load than a trailer’s coupler at the ball. Some manufacturers publish a reduced rating specifically for cargo carriers. If yours does, use it. Our hitch classes guide has the full picture.
Because the carrier’s own mass comes off your allowance in full, material is a real decision rather than a preference — the aluminum carriers weigh roughly a third of the steel equivalent. If the loads are genuinely heavy, the heavy-duty baskets explain which of the two ratings on the listing actually binds. And a basket is not weather protection on its own: the bags that work in a carrier are the second half of the purchase.
Two vehicles change the answer enough to have their own pages. A Jeep Wrangler has a rear spare that pushes the basket back and a tailgate that swings sideways past it; a Subaru Outback usually has an aftermarket Class I or II receiver, which rules most carriers out before you start shopping.