Airline cards get you free checked bags, with exceptions
Short international flights to a handful of destinations often aren't covered
Ask a question.
The content on this page is accurate as of the posting date. Please see the bank’s website for the most current version of card offers.
Dear Cashing In,
I went to Jamaica on vacation last week and was surprised that American Airlines charged me for my checked bag. I have the Citi AAdvantage card and the Barclaycard AAdvantage Aviator Red card. Plus, I thought international flights came with a free bag. Did they make a mistake? – Stephanie
One of the perks you hear most about with an airline card is free checked bags. The credit cards associated with United, American and Delta all come with that perk. Southwest already offers two free checked bags for everyone.
However, when you hear that a credit card comes with “free checked bags,” you should read the fine print. It does not mean free checked bags to any destination. It usually means one free checked bag per person on flights within the U.S.
Others travelers on your same reservation usually receive their first bags checked for free, too, up to a limit of a certain number of travelers that varies by airline.
International flights sometimes have different rules
You are correct that many international flights come with one free checked bag, too. However, in recent years, airlines have found that they can make money by charging fees. That means that for luggage, some of the longer routes include a free checked bag but shorter international routes don’t.
In your case, that places you in a no man’s land on some flights. Your credit card gets you a free checked bag for flights within the United States and any flights to Europe, South America or Asia..
But on American, you will still be charged a baggage fee for your first checked bag if you fly to Mexico or the Caribbean, or to certain cities in Central and South American during peak tourist season. The fee is $25 each way. Other major U.S. airlines have similar policies.
How you may be able to avoid baggage fees
Unfortunately, there aren’t many good ways to dodge these baggage fees that you are unaccustomed to paying.
Airlines do waive baggage fees for some people, such as their elite-level flyers, first-class passengers, and active U.S. military. But if you’re a civilian flying coach who lacks elite status, you are probably out of luck.
Some premium cards give you a credit toward airline fees, and this can be used to cover your baggage fees.
For example, the American Express Platinum card (annual fee: $550) comes with an annual $200 airline fee credit, which you could use toward airline bag fees. How this travel credit works: You have to designate an airline once a year, then you receive credits for charges with that airline.
The Citi Prestige card (annual fee: $450) comes with a $250 credit for charges at any airline (including airfare). The Citi Expedia+ Voyager card (annual fee: $95) comes with a $100 annual fee credit on any airline.
Most likely, though, you’re just going to have to bite the bullet and pay these fees.
Meet CreditCards.com's reader Q&A experts
Does a personal finance problem have you worried? Monday through Saturday, CreditCards.com's Q&A experts answer questions from readers. Ask a question, or click on any expert to see their previous answers.
- Q&A: Should you use your card issuer's travel portal? – Should you use your card issuer's travel portal? If you're redeeming points, you often can score some good deals on hotels or car rentals. If you're not redeeming points, shop around ...
- How to earn rewards on your teen's spending – Adding a teen as an authorized user on a parent's credit card can build the child's credit and help in amassing points, miles or cash back ...
- Q&A: How do redeemed travel points get refunded if I cancel? – Most airline and hotel programs will issue a refund in points, but some, such as American Express, give you a statement credit ...