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Best Credit Cards With Free Checked Bags

 1 year ago
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The best credit cards that offer free checked bags

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Insider's experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our partners, however, our opinions are our own. Terms apply to offers listed on this page.

Nobody likes paying checked bag fees. Originally introduced in 2008 during the height of the recession, they quickly became standard procedure and have stuck around since. Most domestic airlines charge $35 for the first checked bag, so the cost can add up fast, especially if you're traveling with others.

Fortunately for travelers, there are plenty of ways to avoid checked bag fees. One of the easiest methods is by getting a credit card that offers free checked bags — and many of these will also waive the bag fee for your companions on the same reservation, too.

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Whether you're a business traveler or only make one family pilgrimage a year, the money you'll save can make these cards more than worth it.

We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Airline credit cards with free checked bags

Plenty of airlines offer credit cards with a free checked bag, but those cards often offer other benefits too. These include priority boarding, discounts on inflight purchases, and even a fast track to elite status.

American Airlines credit cards

Citi Citi® / AAdvantage® Executive World Elite Mastercard®
Citi® / AAdvantage® Executive World Elite Mastercard®
4.6/5
A five pointed starA five pointed starA five pointed starA five pointed starA five pointed star
Intro offer
50,000 bonus miles after making $5,000 in purchases within the first three months of account opening
Rewards
Earn 2x miles for every $1 spent on eligible American Airlines purchases. Earn 1x mile for every $1 spent on other purchases
Annual Fee
On Citi's website

Citi® / AAdvantage® Executive World Elite Mastercard®

Citi Citi® / AAdvantage® Executive World Elite Mastercard®
On Citi's website

Insider’s Take

This is a terrific card for frequent American Airlines flyers who can take advantage of its included Admirals Club membership and other day-of-travel perks to offset the high annual fee. Authorized users also get Admirals Club access, so there's extra value to be had there, too. However, it's not the best card for earning AA miles on everyday spending, and the lack of travel protections isn't ideal for an airline credit card.

Details

Rewards
Earn 2x miles for every $1 spent on eligible American Airlines purchases. Earn 1x mile for every $1 spent on other purchases
Annual Fee
Intro offer
50,000 bonus miles after making $5,000 in purchases within the first three months of account opening
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
20.24% - 29.24% Variable
Editor's Rating
4.6/5
A five pointed starA five pointed starA five pointed starA five pointed starA five pointed star

Pros & Cons

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Highlights

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Additional Reading

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American Airlines AAdvantage is partnered with two different banks to offer co-branded American Airlines credit cards for every type of traveler.

To get a free first checked bag with American Airlines credit cards, you don't need to pay for your flight with the card, but it must have been opened (and your AAdvantage number attached to your reservation) at least seven days prior to departure. 

  • Citi® / AAdvantage® Platinum Select® World Elite Mastercard® — One free checked bag for you and up to four companions on the same reservation (read our Citi AAdvantage Platinum Select review)
  • CitiBusiness® / AAdvantage® Platinum Select® Mastercard® — One free checked bag for you and up to four companions on the same reservation (read our CitiBusiness AAdvantage Platinum Select review)
  • Citi® / AAdvantage® Executive World Elite Mastercard® — One free checked bag for you and up to eight travel companions on the same reservation (read our Citi AAdvantage Executive review)
  • AAdvantage® Aviator® World Elite Business Mastercard® — One free checked bag for you and up to four companions on the same reservation (read our AAdvantage Aviator Business Mastercard review)
  • AAdvantage® Aviator® Red Mastercard® — One free checked bag for you and up to four companions on the same reservation (read our AAdvantage Aviator Red card review)
  • Barclays AAdvantage® Aviator® Silver Mastercard® (not open to new applicants) — One free checked bag for you and up to eight travel companions on the same reservation

American Airlines' free checked bag benefit only applies to domestic itineraries — though that list includes the US, Mexico, Canada, Puerto Rico, the Caribbean, and the US Virgin Islands.

Delta credit cards

American Express offers several different Delta credit cards for both personal and business customers. There's no need to pay for your ticket with your card to get your free checked bag; you'll just need to have your Delta SkyMiles number attached to your reservation.

Delta's free checked bag is good for you and up to eight companions on the same reservation, no matter which credit card you have. This benefit is available on Delta and Delta Connection flights. 

United Airlines credit cards

There are five different United credit cards available that offer free checked bags. Unlike Delta and American airlines, you do have to pay for your ticket (or the taxes and fees on an award ticket) with your credit card in order to get a United free checked bag.

This benefit applies to flights operated by United and United Express.

Other airline credit cards

If your domestic travel is frequently on airlines other than the "big three" above, you can still manage free checked bags with the following airline cards:

  • Alaska Airlines Visa® Credit Card : One free checked bag for you and up to six companions on your reservation (read our Alaska Airlines Signature Visa Card review)
  • JetBlue Plus Card — One free checked bag for you and up to three companions (read our JetBlue Plus credit card review)
  • Hawaiian Airlines® World Elite Mastercard® — One free checked bag for the primary cardholder

Credit cards with annual travel credits

American Express The Platinum Card® from American Express
The Platinum Card® from American Express
4.75/5
A five pointed starA five pointed starA five pointed starA five pointed starA five pointed star
Intro offer
80,000 Membership Rewards® points after spending $6,000 on purchases in the first six months of card membership
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
Annual Fee
On American Express's website

The Platinum Card® from American Express

American Express The Platinum Card® from American Express
On American Express's website

Details

Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
Annual Fee
Show more
Intro offer
80,000 Membership Rewards® points after spending $6,000 on purchases in the first six months of card membership
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
See Pay Over Time APR
Intro Annual Percentage Rate (APR)
Editor's Rating
4.75/5
A five pointed starA five pointed starA five pointed starA five pointed starA five pointed star
Show more

Pros & Cons

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Highlights

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Additional Reading

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If you're not especially loyal to any one airline, it may make more sense for you to get a card that offers annual travel credits instead of a co-branded airline credit card.

Some, like the Chase Sapphire Reserve®, offer a broad credit that can be applied across most travel purchases, including airline fees. Others, like The Platinum Card® from American Express , require you to choose a specific airline each year in order to receive your fee reimbursement**.

Credit cards with free checked bags frequently asked questions (FAQ)

How can you get free checked bags? Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.

There are a handful of ways to get free checked bags. The easiest way is by opening a credit card that reimburses or waives these charges. You can also buy a business or first-class seat, which often comes with free checked bags. 

Do you get a free checked bag with American Airlines or other US carriers? Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.

You'll usually receive a free checked bag with US airlines when flying internationally, but not domestically or to areas like the Caribbean. However, you can receive at least one free checked bag by holding various airline credit cards which waive this fee.

What airlines allow two free checked bags? Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.

Southwest is famous for offering two free checked bags for all passengers. However, it's possible to get up to two free checked bags with other airlines, as well. For example, if you pay for your United Airlines flight with a card like the United Quest℠ Card, you and one companion on your reservation will each get your first and second checked bags for free.

Do you have to pay with your airline credit card to get free checked bags? Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.

With most airlines, you will receive free checked bags just for holding a qualifying cobranded credit card. However, United Airlines will not waive your checked bag fees unless you pay for the cash portion of your ticket with a qualifying United Airlines card.

Freelance Writer
Carissa Rawson is a personal finance and credit cards expert who has spent the last five years helping consumers make informed decisions. When she's not planning elaborate trips using points and miles, she can be found sipping coffee and writing for publications such as Forbes, The Balance, and The Points Guy. Before launching a career as a journalist, she spent seven years in the US Air Force as an Arabic translator, which included a deployment with special forces. Carissa is usually based somewhere on a plane but due to the current situation, she's made herself at home in San Diego, California. 
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Credit cards reporter
Joseph Hostetler is a credit cards reporter for Insider who also covers helpful miles and points tricks. He is also a Certified Educator in Personal Finance (CEPF). Joseph has more than six years of experience writing professionally about credit cards, previously authoring and editing for The Points Guy and Million Mile Secrets.  You can reach Joseph at [email protected]. Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services »
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For rates and fees of the Delta SkyMiles® Gold Business American Express Card, please click here.

For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, please click here.

For rates and fees of the Delta SkyMiles® Platinum American Express Card, please click here.

For rates and fees of the Delta SkyMiles® Gold American Express Card, please click here.

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

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

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of The Business Platinum Card® from American Express, please click here.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards.

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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