The Ultimate Guide to Credit Cards
Tuesday, July 27, 2021

12 Credit Cards that Offer Free Checked Bags

Credit Cards That Offer Free Checked Bags

credit card advice

Eric Bank
By: Eric Bank
Posted: February 10, 2020
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The indignities of airline flight know no end. Shrinking seats, long lines, nose-bleed fares, and fees galore. One fee that really chafes is the one for checking bags, which, until recent years, had always been free.

I recently flew one airline on a deeply discounted fare that charged $50 per checked bag. Overstuffed luggage that exceeds the weight limit will cost you considerably more.

But, thanks to the dozen credit cards that offer free checked bags reviewed here, we can stop bag-check fees (and other in-flight fees) in their tracks. On family trips, that can easily save you hundreds of dollars each way.

So, plant a flag, take a stand, and get yourself one of these little beauties — the money saved on a few trips per year may easily pay even the most expensive annual fee.

Travel Cards | Airline Cards | FAQs | Methodology

General Travel Cards that Offer Free Checked Bags

These cards offer travelers the most flexibility because they aren’t co-branded to any one airline. Therefore, you receive benefits no matter which carrier you choose. That means you can select the flight that suits you best without sacrifice.

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
16.99%-23.99% Variable

The Chase Sapphire Reserve® card packs a wealth of valuable travel perks, starting with a $300 annual statement credit to reimburse travel purchases each account anniversary year. That credit will put a nice dent in any baggage-check fees you pay.

In addition, you’re insured against incidental costs arising from baggage delays of over six hours, up to $100 a day for five days. And if the airline damages or loses your bag, you are covered up to $3,000 per passenger.

Discover it® Miles Review

at Discover Card'ssecure website




  • UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 14 months
10.99% Intro APR for 14 months
11.99% - 22.99% Variable APR

The Discover it® Miles card offers rewards miles for each $1 spent on purchases. The card lets you redeem miles as a statement credit for travel purchases, which you can use to cover baggage-check fees.

You can redeem your miles at any time and in any amount. The miles never expire, even if your account closes. Furthermore, there are no blackout dates when you use the card to pay for airline flights, hotel stays, or car rentals.




  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
17.24% - 24.49% (Variable)
Excellent, Good

The Capital One Venture Rewards Credit Card offers unlimited 2X miles per $1 spent on all purchases and a highly competitive signup bonus. You can redeem your miles, in any amount and at any time, for airline purchases and accompanying fees, including baggage-check fees.

You can boost your mileage rewards to 5X by booking your hotel stays and car rentals through Capital One Travel. Use Purchase Eraser® online to redeem your miles for travel or book new travel reservations using redeemed miles. Miles don’t expire while the account remains open.




  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 15+ travel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
15.49% - 25.49% (Variable)
Excellent, Good

The Capital One VentureOne Rewards Credit Card lets you earn unlimited 1.25x miles per $1 spent on purchases and charges no annual fee. You can redeem your miles to reimburse for baggage-check fees and other travel purchases.

If you prefer, you can transfer your miles to any of 10+ travel partners. As long as the account remains open, your miles will never expire. You can redeem your miles whenever you like, with no minimum redemption amount.

Airline-Branded Cards that Offer Free Checked Bags

Co-branded airline cards offer many travel perks, with one catch: You get the perks only on the branded airline (or affiliate). That’s great if you have a favorite airline.

If you want more flexibility, consider getting several different cards so that all your bases are covered. All the following cards provide free checked bags and other goodies.

5. Gold Delta SkyMiles® Credit Card from American Express

Delta SkyMiles® Gold American Express CardThe Gold Delta SkyMiles® Credit Card from American Express lets you check your first bag for free on Delta flights you book with the card. The waived fee, up to $60 per round trip, also applies to the first bag of passengers traveling with the cardmember on the same reservation.

The card provides you with Priority Boarding on Delta flights. Checked-in baggage is covered against loss or damage up to $500 per person per trip. If you prefer to carry your bag, you automatically receive baggage loss/damage coverage of up to $1,250 per person. You can earn a $100 Delta flight credit by spending $10,000 in purchases in a calendar year.

6. Platinum Delta SkyMiles® Credit Card from American Express

Delta SkyMiles® Platinum American Express CardThe Platinum Delta SkyMiles® Credit Card from American Express provides free checking of your first bag for cardmembers and companions traveling on the same reservation. That can save each person up to $60 per round-trip Delta flight.

You also get Priority Boarding and a statement credit for 20% back on in-flight purchases you make with the card. Additionally, the card gives you and two guests Delta Sky Club Access for $39 per person. Loss or damage to passenger luggage is covered, up to $500 for checked bags and $1,250 for carry-on bags, per person per trip.

7. UnitedSM Explorer Card

United ℠ Explorer CardThe UnitedSM Explorer Card offers the primary cardmember and one companion free checking of their first bag. This can save $30 per person each way. You also get two free United ClubSM one-time passes each anniversary year.

The card gives you priority boarding, allowing you to stow your gear while there’s still room. Once on board, you’re entitled to 25% back as a statement credit on purchases of Wi-Fi, beverages, and food. You can redeem your miles for travel on any Star Alliance™ airline.

8. Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® gives you the first checked bag free on domestic flights for you and up to four companions sharing the same reservation. In addition, you’ll get on the plane sooner thanks to priority boarding.

You’ll fly happily by saving 25% on inflight beverage and food purchases. You earn double miles on American Airlines purchases, as well as on purchases at restaurants and gas stations. When you spend $20,000 or more on purchases in an anniversary year, you’ll receive a $125 American Airlines Flight Discount certificate.

9. Citi® / AAdvantage® Executive World Elite™ Mastercard®

Citi® / AAdvantage® Executive World Elite™ Mastercard®The Citi® / AAdvantage® Executive World Elite™ Mastercard® covers your first checked bag on domestic American Airlines flights for you and eight of your closest buds traveling on the same reservation. You and two family members also get free access to Admirals Club lounges while traveling.

The card enhances your airport experience by giving you priority security screening, priority check-in and early boarding on your American Airlines flight. You earn 2X AAdvantage® miles for every $1 spent on American Airlines purchases.

10. JetBlue Plus Card

JetBlue Plus CardThe JetBlue Plus Card earns you 6X points on JetBlue purchases. You and up to three companions check your first bags for free. Onboard, enjoy 50% inflight savings on purchases of food and delightful cocktails.

You receive an annual $100 statement credit when you purchase a JetBlue Vacations package of $100 or more. You can redeem points for travel on JetBlue, and points remain active unless you close the account. This card is co-branded with Barclays Bank.

11. Hawaiian Airlines® World Elite Mastercard®

Hawaiian Airlines® World Elite Mastercard®The Hawaiian Airlines® World Elite Mastercard® from Barclays lets you check your first bag for free when tickets are purchased directly from Hawaiian Airlines. You earn 3X miles on eligible Hawaiian Airlines purchases.

You get a one-time 50%-off companion discount and an annual $100 companion discount for round-trip travel between Hawaii and North America. Miles don’t expire as long as there is activity on your account every 18 months.

12. Alaska Airlines Visa Signature® Card

Alaska Airlines Visa Signature® cardThe Alaska Airlines Visa Signature® Card allows a free checked bag for you and up to six companions flying on the same reservation. You also get a 50% discount on Alaska Lounge day passes and 20% back on inflight purchases.

You earn 3X miles on eligible Alaska Airlines purchases, and those miles don’t expire as long as the account remains active. Each anniversary year, you earn a discount companion fare, with no blackout dates, for travel booked directly from Alaska Airlines.

How Can I Avoid Paying for Checked Baggage?

The most obvious way to avoid checked baggage charges is to carry your bags onto the flight. You can gate-check a small bag for free, just before you enter the cabin. Or, if small enough, you can stow a bag in overhead storage or beneath the seat in front of you.

Normally, you can bring one small bag and one personal item (i.e., computer, briefcase, etc.) onto the plane. Underseat storage isn’t available if you sit in a bulkhead row.

Overhead Luggage Photo

An obvious way to avoid baggage fees is to carry your luggage onto the flight, but you can opt for a credit card that will cover or reimburse your checked-bag fees.

Many folks travel with large or multiple bags that must be checked. Just about all airlines charge for checked baggage, with fees starting at $30 per bag, more for overweight bags. Some airlines give you one free checked bag if you belong to their frequent-flyer programs.

First- and business-class passengers usually get free baggage check for one or two bags. For the rest of us, the best bet is to use a credit card that covers at least some of the costs. In this review, we’ve separated general-purpose cards that offer indirect coverage versus co-branded airline cards that waive the fee for the first checked bag.

Among the first group, only the Chase Sapphire Reserve® card offers an annual statement credit ($300) to reimburse travel purchases, but the card has a high annual fee. The other general-purpose cards allow you to use your miles to pay for baggage fees.

If you choose one or more of the co-branded credit cards, you’ll get your first bag checked for free only with specific airlines. The number of traveling companions per reservation receiving this perk varies.

The  Citi® / AAdvantage® Executive World Elite™ Mastercard® sets the standard by offering free first-bag check-in to the cardmember and up to eight companion travelers on the same reservation. Pulling up the rear is the Hawaiian Airlines® World Elite Mastercard®, which waives the fee for the cardmember only.

Do Any Airlines Offer Free Baggage?

Southwest has the best deal in the industry. You can check two bags for free, as long as each bag:

  • Weighs no more than 50 pounds.
  • Has a combined linear size (height, width, and length) not exceeding 62 inches.

It costs $75 each to check oversized or overweight bags on Southwest. Bags weighing more than 100 pounds must be shipped separately as air cargo. Active-duty military are exempt from all check-in fees on bags up to 100 pounds each and/or 80 linear inches.

The other domestic airlines charge at least $30 per checked bag, frequently with higher fees for multiple bags. You may receive free check-in if you belong to an airline’s loyalty program. For example, AAdvantage Gold members get one free checked bag on American Airline flights.

If you purchase a deeply-discounted economy ticket, you may have to pay more for checked bags on some domestic airlines.

The following foreign carriers check one bag for free:

  • Aer Lingus
  • Air India
  • Asiana Airlines
  • British Airways
  • Caribbean Airlines
  • Copa Airlines
  • Emirate Airlines
  • Icelandair
  • Interjet
  • Japan Airlines
  • Korean Air
  • Lufthansa
  • Philippine Airlines
  • Qatar Airlines
  • Singapore Airlines
  • Turkish Air
  • Volaris

Kind of puts the domestic carriers to shame, doesn’t it? Naturally, you have to look at the fares and all fees to compare the costs of competing flights. Some airlines may save you money on one fee but sock it to you on another.

Is it Cheaper to Pay for Checked Bags Online?

Almost all airlines allow you to pre-check your bags online. This simply means that you prepay the baggage fee so that you don’t have to pay at the airport.

We identified only one airline, JetBlue, that rewards pre-checking with lower fees, and some don’t even offer online baggage check.

For example, American Airlines does not provide for online prepayment of baggage fees. At United Airlines, you can prepay your baggage fees, but there is no discount for doing so. Delta, Alaska Airlines, and Hawaiian Airlines have the same policy.

jetBlue Logo

jetBlue is the only airline that currently offers discounts for bags checked online at least 24 hours pre-flight.

As of 2020, JetBlue shaved its fee by $5 per bag when you check your bags online or via the JetBlue app at least 24 hours before the flight.

Except for JetBlue, there doesn’t seem to be any monetary incentive to check your bags online. However, you may find that online check-in makes your airport routine simpler.

If you check-in for your flight online and get your boarding passes in advance, you can simply drop off your bags when you arrive at the airport and waltz over to the security line.

If you also have TSA Pre√, you can shortcut the long line and go through security faster. Note that many of the credit cards in this review reimburse you for TSA Pre√ fees.

Ranking Methodology

Our list of credit cards that offer free checked bags evaluated the available card options to consumers that offer waived luggage fees in the form of a statement credit or as a primary benefit of the card. We assessed the total value of the free baggage benefit for each card, the APR and annual fees charged, rewards offered, additional in-flight benefits, and other criteria relevant to this article.

CardRates’ reviews undergo a thorough editorial integrity process to ensure that content is not compromised by advertiser influence.

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