27 Best Credit Cards for Free Checked Bags

Jodie Price

By Jodie Price | Updated November 10, 2025

Checked bag fees add up quickly, but the right credit card can make them disappear. Many airline and travel cards include at least one free checked bag as a standard perk, which can save frequent flyers hundreds of dollars a year. This guide covers 27 of the best credit cards that offer this benefit, showing how each one works and what makes it a smart choice for different types of travelers.

  • Atmos™ Rewards Ascent Visa Signature® Credit Card

    The Atmos™ Rewards Ascent Visa Signature® Credit Card is designed for frequent Alaska Airlines and Hawaiian Airlines travelers. It focuses on offering travel rewards and perks that reduce costs when flying.

    Cardholders can earn Atmos Rewards points that work across both airlines and their Oneworld partners. It also provides useful travel benefits, including a free checked bag when flying Alaska or Hawaiian.

    Earning Structure:

    • 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases
    • 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services, and local transit (including ride share) purchases
    • 1 point per $1 spent on all other purchases

    Welcome Bonus:

    New cardholders can earn 80,000 bonus points and a $99 Companion Fare after spending at least $4,000 within the first four months of card opening.

    Card Details:

    • Annual fee: $95
    • APR: 20.24%–28.24% variable
    • Other benefits: Free checked bag on Alaska and Hawaiian flights
    • Network: Visa Signature
    • Type: Travel rewards credit card
    • Foreign transaction fees: None
    • Additional perks: Inflight discounts on food, beverages, and Wi-Fi

    Key Benefits:

    • Free checked bag on Alaska and Hawaiian
    • No foreign transaction fees
    • Earn points on everyday spending
    • Inflight discounts
    • Access to Oneworld partner redemptions

    Redemption Options:

    Points can be redeemed for flights with Alaska, Hawaiian, and Oneworld partner airlines such as American Airlines, Japan Airlines, and Qantas.

    Credit Requirements:

    Applicants generally need good to excellent credit, with a FICO score of at least 670, to qualify.

    Spending Limitations / Potential Drawbacks:

    The card is most valuable for those who fly Alaska or Hawaiian often, so its benefits may not appeal to travelers using other airlines.

    Why it Works for Beginners:

    It provides simple earning categories and straightforward travel perks, making it easy for new cardholders to maximize rewards.

  • Atmos™ Rewards Visa Signature® Business Card

    The Atmos™ Rewards Visa Signature® Business Card is designed for small business owners who travel often with Alaska Airlines or Hawaiian Airlines. It provides airline-focused perks that help reduce travel costs.

    Cardholders gain access to benefits like free checked bags and priority boarding when flying eligible airlines. It also includes inflight discounts, making it practical for frequent flyers managing business trips.

    Earning Structure:

    • 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases
    • 2 points for every $1 spent on eligible gas, EV charging station, shipping, and local transit (including rideshare) purchases
    • 1 point per $1 spent on all other purchases

    Welcome Bonus:

    New cardholders can earn 80,000 and a $99 Companion Fare after spending $5,000 within the first three months of membership.

    Card Details:

    • Annual fee: $70 for the company and $25 per card
    • APR: 20.24%–28.24% variable
    • Other benefits: Free checked bags, priority boarding, inflight discounts
    • Network: Visa Signature
    • Type: Business credit card
    • Foreign transaction fees: None
    • Companion fare: Available on select airline purchases

    Key Benefits:

    • Free checked bag on eligible flights
    • Preferred boarding privileges
    • Inflight purchase discounts
    • Companion fare opportunities
    • Rewards on both travel and business expenses

    Redemption Options:

    Points can be redeemed for award flights, covering travel charges, or other eligible rewards within the Atmos Rewards program.

    Credit Requirements:

    Applicants generally need an excellent credit score, often starting at 720.

    Spending Limitations / Potential Drawbacks:

    The strongest perks apply only to Alaska Airlines and Hawaiian Airlines, limiting value for those who fly other carriers.

    Why it Works for Beginners:

    It offers straightforward travel perks and simple earning categories, making it easy for new business cardholders to use effectively.

  • AAdvantage® Aviator® Red World Elite Mastercard®

    The AAdvantage® Aviator® Red World Elite Mastercard® is designed for travelers who fly with American Airlines. It provides airline-specific perks that make trips smoother and more affordable.

    One of its key benefits is a free checked bag on eligible American Airlines flights, adding extra savings for regular flyers. This card is best for those who want to earn miles while enjoying added travel conveniences.

    Earning Structure:

    • 2x miles on eligible American Airlines purchases
    • 1x mile on all other purchases

    Welcome Bonus:

    New cardholders can earn 60,000 AAdvantage miles after making one purchase and paying the $99 annual fee within the first three months.

    Card Details:

    • Annual fee: $99
    • APR: 20.24%–29.99% variable
    • Other benefits: Preferred boarding, inflight discounts
    • Network: Mastercard
    • Type: Travel rewards
    • Foreign transaction fees: None

    Key Benefits:

    • First checked bag free on domestic itineraries
    • Preferred boarding on American Airlines flights
    • 25% savings on inflight food and beverages
    • No foreign transaction fees
    • Ability to earn AAdvantage miles on everyday spending

    Redemption Options:

    Miles can be redeemed for flights, seat upgrades, vacation packages, car rentals, and hotel stays through the AAdvantage program.

    Credit Requirements:

    Applicants generally need good to excellent credit to qualify, with at least 670 FICO score.

    Spending Limitations / Potential Drawbacks:

    The card’s rewards are most valuable for American Airlines flyers, so it may not be ideal for those who prefer flexible travel programs.

    Why it Works for Beginners:

    It offers an easy-to-earn welcome bonus and simple rewards structure, making it approachable for new cardholders.

  • Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

    This card is designed for travelers who often fly with American Airlines and want to save on common travel costs. It provides practical perks that make flying more affordable and convenient.

    Cardholders gain travel benefits that focus on checked bags and boarding privileges. It also helps them earn miles on everyday purchases, making it easier to build rewards for future trips.

    Earning Structure:

    • 2x miles on American Airlines purchases
    • 2x miles at restaurants
    • 2x miles at gas stations
    • 1x mile on all other purchases

    Welcome Bonus:

    New cardholders can earn 80,000 bonus miles after spending $3,500 within the first four months of membership.

    Card Details:

    • Annual fee: $99 (waived for the first year)
    • APR: Variable, typically around 20.24%–29.24%
    • Other benefits: $125 American Airlines flight discount after spending threshold
    • Network: Mastercard
    • Type: Travel rewards credit card
    • Foreign transaction fees: None
    • Additional perks: Preferred boarding on American Airlines flights

    Key Benefits:

    • First checked bag free on domestic American Airlines flights
    • Preferred boarding for the cardholder and companions
    • No foreign transaction fees
    • Discount on in-flight food and beverage purchases
    • Annual flight discount opportunity

    Redemption Options:

    Miles can be redeemed for flights, seat upgrades, vacation packages, and other travel-related rewards through the AAdvantage program.

    Credit Requirements:

    Applicants generally need good to excellent credit, often starting around a 670 FICO score.

    Spending Limitations / Potential Drawbacks:

    The free checked bag benefit only applies to American Airlines flights, and spending categories outside travel, dining, and gas earn at a lower rate.

    Why it Works for Beginners:

    It offers simple earning categories, a waived first-year annual fee, and easy-to-use travel perks that make it beginner-friendly.

  • Citi® / AAdvantage® Executive World Elite Mastercard®

    This card is designed for travelers who often fly with American Airlines. It focuses on providing travel perks that improve the airport and in-flight experience.

    Cardholders gain access to benefits that make flying smoother, such as free checked bags and priority services. It also includes membership to the Admirals Club, which adds value for frequent flyers.

    Earning Structure:

    • 10x miles on eligible hotels booked through aadvantagehotels.com and on eligible car rentals booked through aadvantagecars.com
    • 4x miles on American Airlines purchases
    • 1x mile on all other purchases

    Welcome Bonus:

    New cardholders can earn 70,000 AAdvantage bonus miles after spending $7,000 within the first three months of membership.

    Card Details:

    • Annual fee: $595
    • APR: Variable, typically around 20.24%–29.24%
    • Other benefits: Admirals Club membership, priority check-in, screening, and boarding
    • Network: Mastercard
    • Type: Travel rewards
    • Foreign transaction fees: None

    Key Benefits:

    • Free checked bag on domestic flights
    • Admirals Club access for primary cardholder
    • Priority check-in and boarding
    • Ability to earn AAdvantage miles faster
    • Companion benefits for up to 8 travelers on same reservation

    Redemption Options:

    Miles can be redeemed for flights, seat upgrades, vacation packages, and other travel rewards through the American Airlines AAdvantage program.

    Credit Requirements:

    Applicants generally need good to excellent credit, often starting around a 670 FICO score or higher.

    Spending Limitations / Potential Drawbacks:

    The high annual fee may not be worth it for travelers who do not fly American Airlines frequently.

    Why it Works for Beginners:

    It offers straightforward travel perks like free checked bags, making it easy for new cardholders to see value right away.

  • Citi® / AAdvantage Business™ World Elite Mastercard®

    The Citi® / AAdvantage Business™ World Elite Mastercard® is designed for small business owners who frequently fly with American Airlines. It provides travel perks that can reduce costs and improve the flying experience.

    Cardholders receive benefits that apply to both personal and employee travel, including a free first checked bag on domestic flights. The card also helps earn AAdvantage miles faster through business spending.

    Earning Structure:

    • 2x miles on eligible American Airlines purchases
    • 2x miles on select business categories (telecom, cable, car rentals, gas stations)
    • 1x mile on all other purchases

    Welcome Bonus:

    New cardholders can earn 65,000 AAdvantage miles after spending $4,000 in the first four months of membership.

    Card Details:

    • Annual fee: $99 (waived for the first year)
    • APR: Variable, around 20.24%–29.24%
    • Other benefits: Companion certificate after qualifying spend, free checked bag, preferred boarding
    • Network: Mastercard
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Free checked bag on domestic flights
    • Preferred boarding on American Airlines
    • Companion certificate available with annual spend
    • Earn Loyalty Points toward elite status
    • Ability to issue employee cards

    Redemption Options:

    Miles can be redeemed for flights on American Airlines and Oneworld partners, seat upgrades, and other travel rewards.

    Credit Requirements:

    Applicants typically need good to excellent credit, often starting around a 730+ FICO score.

    Spending Limitations / Potential Drawbacks:

    The best benefits apply only when flying American Airlines, so travelers who prefer other carriers may find limited value.

    Why it Works for Beginners:

    It offers straightforward earning categories and simple travel perks, making it easy for new cardholders to see value quickly.

  • Delta SkyMiles® Gold American Express Card

    The Delta SkyMiles® Gold American Express Card is designed for travelers who want to save on Delta flights while earning rewards on everyday purchases. It offers travel perks that can make flying more comfortable and less expensive.

    This card provides airline benefits that frequent Delta flyers will find useful, such as priority boarding and waived baggage fees. It also helps cardholders earn miles that can be redeemed for future travel.

    Earning Structure:

    • 2x miles on Delta purchases
    • 2x miles at U.S. supermarkets
    • 2x miles at restaurants worldwide
    • 1x mile on all other eligible purchases

    Welcome Bonus:

    New cardholders can earn 80,000 bonus miles after spending $3,000 within the first six months of card membership.

    Card Details:

    • Annual fee: $150 (first year $0 introductory)
    • APR: 20.24%–29.24% variable
    • Other benefits: Priority boarding, first checked bag free
    • Network: American Express
    • Type: Airline rewards credit card
    • Foreign transaction fees: None
    • Additional perks: Access to Amex Offers and travel protections

    Key Benefits:

    • First checked bag free on Delta flights
    • Priority boarding on Delta flights
    • Earn miles on daily spending
    • No foreign transaction fees
    • Access to Amex Offers for savings

    Redemption Options:

    Miles can be redeemed for Delta flights, seat upgrades, and partner airline tickets through the SkyMiles program.

    Credit Requirements:

    Applicants typically need a credit score of 690 or higher, though some approvals occur with scores as low as 640.

    Spending Limitations / Potential Drawbacks:

    The card is most valuable for Delta flyers, so those who rarely use the airline may not benefit as much.

    Why it Works for Beginners:

    It offers simple rewards and useful travel perks without overwhelming features, making it easy for new cardholders to manage.

  • Delta SkyMiles® Gold Business American Express Card

    The Delta SkyMiles® Gold Business American Express Card is designed for small business owners who fly Delta but don’t need elite status. It provides travel perks that make flying more convenient.

    Cardholders get built-in airline benefits like a free checked bag on Delta flights, helping reduce costs on every trip. The card also helps businesses earn rewards on common spending categories.

    Earning Structure:

    • 2x miles per dollar on purchases made directly with Delta
    • 2x miles per dollar on US eligible purchases at shipping providers and select media advertising providers (miles caps apply)
    • 1x mile per dollar on all other purchases

    Welcome Bonus:

    New cardholders can earn 90,000 bonus miles after spending $6,000 in the first six months of membership. Offer expires 10/29/25.

    Card Details:

    • Annual fee: $150 (waived the first year)
    • APR: Variable, typically around 20.24%–29.24%
    • Other benefits: First checked bag free, priority boarding, in-flight savings
    • Network: American Express
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Free checked bag on Delta flights
    • Priority boarding privileges
    • 20% savings on in-flight purchases
    • Earn miles on business and travel expenses
    • No foreign transaction fees

    Redemption Options:

    Miles can be redeemed for Delta flights, partner airline tickets, seat upgrades, and other travel rewards.

    Credit Requirements:

    Most approvals require a good to excellent credit score, generally 690 or higher.

    Spending Limitations / Potential Drawbacks:

    The card is best for Delta travelers, so those who rarely fly the airline may find limited value.

    Why it Works for Beginners:

    It offers simple travel perks and a free checked bag benefit without requiring frequent flyer status.

  • Delta SkyMiles® Platinum American Express Card

    The Delta SkyMiles® Platinum American Express Card is designed for travelers who want to earn rewards while enjoying airline perks. It provides benefits that make flying with Delta more convenient.

    This card focuses on helping frequent flyers save money on travel extras, including a free checked bag on Delta flights. It also gives members a way to earn miles faster through everyday spending.

    Earning Structure:

    • 3x miles on Delta purchases
    • 3x miles on hotels
    • 2x miles at restaurants
    • 2x miles at U.S. supermarkets
    • 1x mile on all other purchases

    Welcome Bonus:

    New cardholders can earn 90,000 bonus miles after spending $4,000 in purchases within the first six months. Offer ends 10/29/25.

    Card Details:

    • Annual fee: $350
    • APR: 20.24%–29.24% variable
    • Other benefits: Companion certificate each year upon renewal
    • Network: American Express
    • Type: Travel rewards credit card
    • Foreign transaction fees: None
    • Additional perks: Free checked bag, priority boarding, ability to earn toward elite status

    Key Benefits:

    • Free first checked bag on Delta flights
    • Priority boarding on Delta flights
    • Companion certificate each year
    • Ability to earn elite status credits through spending
    • No foreign transaction fees

    Redemption Options:

    Miles can be redeemed for Delta flights, partner airline tickets, seat upgrades, and vacation packages.

    Credit Requirements:

    Applicants generally need a good to excellent credit score of at least 690 to qualify.

    Spending Limitations / Potential Drawbacks:

    The annual fee may not be worth it for those who fly Delta only a few times a year.

    Why it Works for Beginners:

    It offers straightforward earning categories and simple travel perks that are easy for new travelers to use.

  • Delta SkyMiles® Platinum Business American Express Card

    The Delta SkyMiles® Platinum Business American Express Card is designed for small business owners who often fly with Delta. It focuses on travel perks that make frequent trips smoother.

    Cardholders gain airline-specific benefits, including a free checked bag on Delta flights that helps reduce costs on business travel. It also offers features that support business spending and reward accumulation.

    Earning Structure:

    • 3x miles per dollar on purchases made directly with Delta and hotels
    • 1.5x miles per dollar on transit, eligible U.S. shipping, and purchases (miles cap applies; only the highest eligible bonus applies)
    • 1x mile per dollar on all other purchases

    Welcome Bonus:

    Earn 100,000 bonus miles after spending $8,000 within the first six months of card membership. Offer expires 10/29/25.

    Card Details:

    • Annual fee: $350
    • APR: Variable, typically around 20.24%–29.24%
    • Other benefits: Free checked bag, priority boarding, companion certificate
    • Network: American Express
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Free first checked bag on Delta flights
    • Priority boarding on Delta flights
    • Companion certificate each year upon renewal
    • Ability to earn toward Medallion Status
    • Expanded categories for bonus miles

    Redemption Options:

    Miles can be redeemed for Delta flights, partner airline tickets, seat upgrades, and other travel-related purchases.

    Credit Requirements:

    Good to excellent credit, with a FICO score of 690–850, is usually needed for approval.

    Spending Limitations / Potential Drawbacks:

    The annual fee may outweigh the value for those who do not fly Delta often.

    Why it Works for Beginners:

    It provides simple, easy-to-use travel perks that help new business travelers save money on checked bags and flights.

  • Delta SkyMiles® Reserve American Express Card

    The Delta SkyMiles® Reserve American Express Card is a premium travel card designed for frequent Delta flyers. It focuses on travel perks that make flying more comfortable and convenient.

    This card is best suited for travelers who value loyalty rewards and exclusive access, including a free checked bag on Delta flights. It provides features that go beyond basic airline cards and caters to those who fly Delta often.

    Earning Structure:

    • 3x miles on Delta purchases
    • 1x mile on all other eligible purchases

    Welcome Bonus:

    New cardholders can earn 70,000 bonus miles after spending $5,000 within the first 6 months.

    Card Details:

    • Annual fee: $650
    • APR: Variable, around 20.24%–29.24%
    • Other benefits: Companion certificate each year, Delta Sky Club access (limitations apply)
    • Network: American Express
    • Type: Travel rewards credit card
    • Foreign transaction fees: None
    • Additional perks: Priority boarding, free checked bag for the cardholder and companions

    Key Benefits:

    • Free first checked bag on Delta flights
    • Access to Delta Sky Club lounges
    • Annual companion certificate for domestic travel
    • Priority boarding on Delta flights
    • Ability to earn Medallion Qualification Miles (MQMs)

    Redemption Options:

    Miles earned can be redeemed for Delta flights, partner airline tickets, seat upgrades, and other travel-related rewards.

    Credit Requirements:

    Applicants typically need good to excellent credit, with a FICO starting at 690, for approval.

    Spending Limitations / Potential Drawbacks:

    The high annual fee may outweigh the value for those who do not fly Delta often.

    Why it Works for Beginners:

    It provides straightforward travel perks like a free checked bag, making it easy for new cardholders to see value right away.

  • Delta SkyMiles® Reserve Business American Express Card

    The Delta SkyMiles® Reserve Business American Express Card is designed for business owners who often fly with Delta. It offers premium travel perks that focus on comfort and loyalty rewards.

    This card provides access to Delta-specific benefits, including a free checked bag on Delta flights that adds meaningful savings for frequent travelers. It also supports earning miles that go directly into a SkyMiles account.

    Earning Structure:

    • 3x miles on eligible Delta purchases
    • 1.5x miles per dollar on eligible transit, U.S. shipping, and U.S. office supply store purchases
    • 1x mile on all other purchases

    Welcome Bonus:

    New cardholders can earn 125,000 bonus miles after spending $15,000 within the first six months of card membership. Offer expires 10/29/25.

    Card Details:

    • Annual fee: $650
    • APR: Variable, around 20.24%–29.24%
    • Other benefits: Companion certificate, Delta Sky Club access, priority boarding
    • Network: American Express
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Free first checked bag on Delta flights
    • Access to Delta Sky Club when flying Delta
    • Companion certificate each year upon renewal
    • Priority boarding on Delta flights
    • Helps earn toward Medallion Status

    Redemption Options:

    Miles can be redeemed for Delta flights, seat upgrades, and partner airline travel.

    Credit Requirements:

    Applicants need good to excellent credit, often a FICO score of at least 670.

    Spending Limitations / Potential Drawbacks:

    The high annual fee may not be worth it for travelers who fly Delta less often.

    Why it Works for Beginners:

    It simplifies earning and using miles for those committed to Delta, making it easier to see value early on.

  • Frontier Airlines World Mastercard®

    The Frontier Airlines World Mastercard® is built for travelers who fly Frontier often. It provides airline-specific perks that help reduce travel costs and add convenience.

    Cardholders gain access to benefits that make flying with Frontier smoother, such as free checked bags and priority boarding. It also includes features that support frequent flyers who want to earn miles quickly.

    Earning Structure:

    • 5x miles on Frontier purchases
    • 3x miles at restaurants
    • 1x mile on all other purchases

    Welcome Bonus:

    New cardholders can earn 50,000 miles and a $100 flight voucher after spending $500 and paying the annual fee in the first three months of membership.

    Card Details:

    • Annual fee: $99 ($0 intro for first year)
    • APR: 0% introductory APR on balance transfers for the first 15 billing cycles, then 20.24%–29.99% variable APR applies
    • Other benefits: Family mile pooling, annual flight voucher after spending threshold
    • Network: Mastercard
    • Type: Airline rewards credit card
    • Foreign transaction fees: None
    • Additional perks: Waiver on award ticket fees when booking with the card

    Key Benefits:

    • Two free checked bags per flight
    • Priority boarding on Frontier flights
    • Family mile pooling option
    • Annual flight voucher after qualifying spend
    • Instant elite status with Frontier

    Redemption Options:

    Miles can be redeemed for Frontier flights, seat upgrades, and other travel-related purchases.

    Credit Requirements:

    Applicants generally need good to excellent credit to qualify, with a FICO score of 690 or higher.

    Spending Limitations / Potential Drawbacks:

    The card is most valuable for those who fly Frontier regularly, so infrequent flyers may not get enough use from the benefits.

    Why it Works for Beginners:

    It offers straightforward rewards and travel perks that are easy to understand and use, making it a simple choice for new airline cardholders.

  • Hawaiian Airlines® World Elite Mastercard®

    The Hawaiian Airlines® World Elite Mastercard® is designed for travelers who fly with Hawaiian Airlines often. It offers flight-related perks that can help reduce costs and make trips more convenient.

    Cardholders can enjoy useful benefits like free checked bags and discounts on companion travel. It also connects with Alaska Airlines through their new loyalty program, expanding redemption opportunities.

    Earning Structure:

    • 3x miles on eligible Hawaiian Airlines purchases
    • 2x miles on gas, dining, and grocery store purchases
    • 1x mile on all other purchases

    Welcome Bonus:

    New cardholders can earn 70,000 miles after spending $2,000 in the first three months.

    Card Details:

    • Annual fee: $99
    • APR: 20.24%–29.99% variable
    • Other benefits: Free first checked bag, companion discount, Instacart+ trial, inflight purchase credits for elite members
    • Network: Mastercard
    • Type: Airline rewards credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Two free checked bags for the cardholder
    • Companion discount for Hawaiian Airlines flights
    • Ability to share HawaiianMiles with friends or family at no cost
    • Priority boarding on Hawaiian Airlines
    • Access to partner redemptions with Alaska Airlines

    Redemption Options:

    Miles can be redeemed for flights on Hawaiian Airlines, partner flights through Alaska Airlines, and other travel rewards.

    Credit Requirements:

    Applicants generally need good to excellent credit (FICO score of 670–850) to qualify.

    Spending Limitations / Potential Drawbacks:

    The free checked bag benefit applies only to the cardholder, not to travel companions.

    Why it Works for Beginners:

    It provides straightforward travel perks and a solid welcome bonus without complex earning rules.

  • JetBlue Plus Card

    The JetBlue Plus Card is a co-branded airline credit card designed for travelers who fly with JetBlue. It provides useful perks that reduce travel costs and improve the overall flight experience.

    This card focuses on benefits like free checked bags, inflight discounts, and bonus points on JetBlue purchases. It is a practical option for those who want to earn rewards while enjoying travel conveniences.

    Earning Structure:

    • 6x points on JetBlue purchases
    • 2x points at restaurants and grocery stores
    • 1x point on all other purchases

    Welcome Bonus:

    Earn 60,000 points after spending $1,000 and paying the annual fee within the first three months of joining.

    Card Details:

    • Annual fee: $99
    • APR: Variable, typically 20.24%–29.99%
    • Other benefits: 50% savings on inflight food and drinks, 10% points rebate on award flights
    • Network: Mastercard
    • Type: Airline rewards card
    • Foreign transaction fees: None

    Key Benefits:

    • Free first checked bag for cardholder and up to 3 companions
    • Anniversary bonus points each year
    • Discounts on inflight purchases
    • Points rebate on award redemptions
    • No foreign transaction fees

    Redemption Options:

    Points can be redeemed for JetBlue flights, seat upgrades, or vacation packages.

    Credit Requirements:

    Good to excellent credit, with a FICO score starting at 670, is needed to qualify.

    Spending Limitations / Potential Drawbacks:

    The card charges an annual fee and holds the most value for those who fly JetBlue regularly.

    Why it Works for Beginners:

    It offers simple earning categories and straightforward travel perks, making it easy for new cardholders to understand and use.

  • JetBlue Premier Card

    The JetBlue Premier Card is designed for frequent JetBlue flyers who want travel perks beyond the basics. It provides benefits that make flying with JetBlue more convenient and rewarding.

    Cardholders receive travel-related features that can save money and time on each trip, including a free checked bag on JetBlue flights. The card also offers opportunities to earn points that can be used toward future flights.

    Earning Structure:

    • 6x points on JetBlue purchases
    • 2x points at restaurants and grocery stores
    • 1x point on all other purchases

    Welcome Bonus:

    Earn 70,000 bonus points after spending $5,000 within the first three months of joining.

    Card Details:

    • Annual fee: $499
    • APR: Variable, typically around 20.24%–29.99%
    • Other benefits: TSA PreCheck/Global Entry credit, inflight discounts
    • Network: Mastercard
    • Type: Travel rewards credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Free checked bag on JetBlue flights
    • Priority boarding privileges
    • Access to select airport lounges
    • Statement credit for bookings through JetBlue’s portal
    • Anniversary points bonus

    Redemption Options:

    Points can be redeemed for JetBlue flights, vacation packages, and other travel-related purchases.

    Credit Requirements:

    Applicants generally need good to excellent credit to qualify, with a FICO score starting at 700.

    Spending Limitations / Potential Drawbacks:

    The card’s higher annual fee may not be worth it for travelers who fly JetBlue only a few times per year.

    Why it Works for Beginners:

    It provides straightforward earning and redemption options, making it easy for new cardholders to understand and use.

  • JetBlue Business Card

    The JetBlue Business Card is designed for small business owners who often fly with JetBlue. It offers airline-specific perks that make frequent travel more convenient.

    Cardholders can enjoy benefits like free checked bags and inflight discounts. The card also supports earning rewards that can be redeemed for JetBlue flights.

    Earning Structure:

    • 6x points on JetBlue purchases
    • 2x points at restaurants and office supply stores
    • 1x point on all other purchases

    Welcome Bonus:

    Earn up to 60,000 points: 50,000 points after spending $4,000 within the first three months, and an additional 10,000 points when an employee card purchase is made within the first three months.

    Card Details:

    • Annual fee: $99
    • APR: 20.24%–29.99% variable
    • Other benefits: Anniversary bonus points, rebate on award redemptions
    • Network: Mastercard
    • Type: Business credit card
    • Foreign transaction fees: None
    • Additional perks: Points pooling within households, statement credit for JetBlue Vacations packages

    Key Benefits:

    • Free first checked bag for cardholder and up to 3 companions
    • Priority boarding on JetBlue flights
    • 50% savings on inflight purchases
    • Anniversary points bonus
    • Rebate on award redemptions

    Redemption Options:

    Points can be redeemed for JetBlue-operated flights, vacation packages, or shared through points pooling with family members.

    Credit Requirements:

    Applicants generally need good to excellent credit to qualify, often a FICO score of at least 670.

    Spending Limitations / Potential Drawbacks:

    The card’s strongest value is tied to JetBlue, so travelers who fly other airlines may find fewer benefits.

    Why it Works for Beginners:

    It provides straightforward rewards and perks that are easy to use, especially for those who regularly choose JetBlue.

  • Southwest Rapid Rewards® Plus Credit Card

    The Southwest Rapid Rewards® Plus Credit Card is a simple entry point for travelers who want to earn points toward flights and enjoy a free checked bag. It is designed for people who fly Southwest occasionally and want to start building rewards.

    This card provides basic travel perks without requiring a high level of spending. It gives cardholders a way to earn points consistently while keeping benefits easy to use.

    Earning Structure:

    • 2x points on Southwest Airlines® purchases
    • 2x points at gas stations and grocery stores on the first $5,000 in combined purchases per year
    • 1x points on all other purchases

    Welcome Bonus:

    New cardholders can earn 100,000 bonus points after spending $4,000 in the first five months of joining.

    Card Details:

    • Annual fee: $99
    • APR: Variable, around 19.99%–28.49%
    • Other benefits: Free first checked bag, Group 5 boarding
    • Network: Visa
    • Type: Travel rewards credit card
    • Foreign transaction fees: 3%
    • Additional perks: Anniversary points each year

    Key Benefits:

    • Free first checked bag on flights
    • Priority boarding position
    • Earn Rapid Rewards points toward Companion Pass
    • Anniversary bonus points
    • Simple earning categories

    Redemption Options:

    Points can be redeemed for Southwest flights, hotels, rental cars, gift cards, and merchandise.

    Credit Requirements:

    Applicants generally need good to excellent credit to qualify, with a FICO score of 670–739.

    Spending Limitations / Potential Drawbacks:

    The card charges foreign transaction fees and has limited bonus categories outside of travel and services.

    Why it Works for Beginners:

    It offers straightforward rewards and travel perks that are easy for new Southwest flyers to understand and use.

  • Southwest Rapid Rewards® Premier Credit Card

    The Southwest Rapid Rewards® Premier Credit Card gives travelers an easy way to earn points on flights and everyday spending. It is designed for those who fly Southwest often and want to save on travel costs.

    Cardholders receive perks that make trips smoother, including free checked bags and no foreign transaction fees. It also helps build points toward the popular Companion Pass.

    Earning Structure:

    • 3x points on Southwest Airlines® purchases
    • 2x points on Rapid Rewards hotel and car rental partner purchases (through Dec. 31)
    • 2x points on local transit and commuting, including ride-hailing services (through Dec. 31)
    • 2x points on internet, cable, phone services, and select streaming providers (through Dec. 31)
    • 2x points at grocery stores and restaurants (on the first $8,000 in combined purchases per year)
    • 1x points on all other purchases

    Welcome Bonus:

    New cardholders can earn 100,000 bonus points after spending $4,000 in the first five months from account opening.

    Card Details:

    • Annual fee: $149
    • APR: 19.99%–28.49% variable
    • Other benefits: 6,000 anniversary points each year
    • Network: Visa
    • Type: Travel rewards credit card
    • Foreign transaction fees: None
    • Extra perks: Two EarlyBird Check-In credits per year

    Key Benefits:

    • Two free checked bags on Southwest flights
    • Anniversary bonus points
    • No foreign transaction fees
    • Earn points toward Companion Pass
    • Travel protections included

    Redemption Options:

    Points can be redeemed for Southwest flights, hotel stays, rental cars, gift cards, or select merchandise.

    Credit Requirements:

    Applicants typically need good to excellent credit, often starting around a 670 FICO score or higher.

    Spending Limitations / Potential Drawbacks:

    The card has a $149 annual fee and does not provide premium lounge access or luxury travel benefits.

    Why it Works for Beginners:

    It offers simple earning categories and valuable travel perks without overwhelming features, making it easy for new cardholders to use effectively.

  • Southwest Rapid Rewards® Priority Credit Card

    The Southwest Rapid Rewards® Priority Credit Card is the most premium personal card in the Southwest lineup. It is designed for travelers who fly Southwest often and want more built-in perks.

    This card provides travel credits, anniversary points, and upgraded boarding opportunities, along with a free checked bag on every Southwest flight. It also helps cardholders earn Rapid Rewards points faster on everyday purchases.

    Earning Structure:

    • 4x points on Southwest Airlines® purchases
    • 2x points at gas stations and restaurants
    • 1x points on all other purchases

    Welcome Bonus:

    New cardholders can earn 100,000 bonus points after spending $4,000 in the first five months.

    Card Details:

    • Annual fee: $229
    • APR: Variable, around 19.99%–28.49%
    • Other benefits: $75 annual Southwest travel credit, four upgraded boardings per year, 7,500 anniversary points
    • Network: Visa
    • Type: Travel rewards credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Free checked bag on every Southwest flight
    • Priority boarding privileges
    • Anniversary bonus points
    • Annual travel credit
    • No foreign transaction fees

    Redemption Options:

    Points can be redeemed for Southwest flights, hotel stays, rental cars, and gift cards.

    Credit Requirements:

    Applicants typically need good to excellent credit, often a FICO score of 670–739.

    Spending Limitations / Potential Drawbacks:

    The card carries a higher annual fee compared to other Southwest cards.

    Why it Works for Beginners:

    It offers simple rewards and travel perks that are easy to use without complicated rules.

  • Southwest® Rapid Rewards® Premier Business Credit Card

    The Southwest® Rapid Rewards® Premier Business Credit Card is designed for small business owners who often fly with Southwest. It helps them earn points on everyday business purchases while also providing travel perks.

    This card fits well for those who want to build Rapid Rewards points and enjoy airline-specific benefits, including a free checked bag on Southwest flights. It offers a straightforward way to earn and redeem points without complex rules.

    Earning Structure:

    • 3x points on Southwest Airlines purchases
    • 2x points at gas stations and restaurants (up to $8,000 in combined purchases per year)
    • 2x points on Rapid Rewards hotel and car rental partners (through Dec. 31, 2025)
    • 2x points on local transit and commuting, including rideshares (through Dec. 31, 2025)
    • 1x point on all other purchases

    Welcome Bonus:

    New cardholders can earn 60,000 bonus points after spending $3,000 in the first three months.

    Card Details:

    • Annual fee: $149
    • APR: 19.99%–28.49% variable
    • Other benefits: 6,000 anniversary points each year
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Two EarlyBird Check-In credits per year
    • Earn anniversary bonus points
    • No foreign transaction fees
    • Access to travel protections
    • Rewards tailored to Southwest travelers

    Redemption Options:

    Points can be redeemed for Southwest flights, hotel stays, gift cards, and more through the Rapid Rewards program.

    Credit Requirements:

    Applicants typically need good to excellent credit (a FICO score of 690 or higher).

    Spending Limitations / Potential Drawbacks:

    Benefits are most valuable for those who fly Southwest often, so travelers preferring other airlines may find it limiting.

    Why it Works for Beginners:

    The card has a simple earning structure and straightforward redemption options, making it easy for new users to manage.

  • Southwest® Rapid Rewards® Performance Business Credit Card

    The Southwest® Rapid Rewards® Performance Business Credit Card is designed for business owners who often fly with Southwest. It helps them earn points quickly while also offering valuable travel perks.

    This card focuses on benefits that make frequent travel smoother. It also provides features that can help businesses manage costs while earning rewards.

    Earning Structure:

    • 4x points on Southwest Airlines purchases
    • 3x points on Rapid Rewards hotel and car rental partners (through Dec. 31, 2025)
    • 2x points at gas stations and restaurants
    • 2x points on hotel accommodations booked directly with the hotel
    • 2x points on local transit and commuting, including rideshares
    • 2x points on social media and search engine advertising, internet, cable, and phone services (through Dec. 31, 2025)
    • 1x point on all other purchases

    Welcome Bonus:

    New cardholders can earn 80,000 bonus points after spending $5,000 in the first three months.

    Card Details:

    • Annual fee: $299
    • APR: 19.99%–28.49% variable
    • Other benefits: Up to 365 inflight Wi-Fi credits per year, Global Entry/TSA PreCheck/NEXUS fee credit every 4 years, 9,000 anniversary points
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Free checked bags on Southwest flights
    • Anniversary point bonus each year
    • Inflight Wi-Fi credits
    • Global Entry/TSA PreCheck/NEXUS fee credit
    • No foreign transaction fees

    Redemption Options:

    Points can be redeemed for Southwest flights, hotel stays, car rentals, gift cards, and other travel-related options.

    Credit Requirements:

    Applicants typically need good to excellent credit (690 or higher).

    Spending Limitations / Potential Drawbacks:

    The card carries a high annual fee, which may not be worth it for those who fly Southwest only a few times per year.

    Why it Works for Beginners:

    It offers straightforward earning and redemption options, making it easy for new cardholders to understand and use effectively.

  • United℠ Explorer Card

    The United℠ Explorer Card is designed for travelers who want to save on common airline fees while earning rewards on everyday purchases. It offers useful perks that make flying with United more affordable and convenient.

    Cardholders benefit from travel-related features, including a free checked bag on United flights that adds extra savings per trip. It is a solid option for those who fly United a few times a year and want added value from their credit card.

    Earning Structure:

    • 2x miles on United purchases
    • 2x miles on dining
    • 2x miles on hotels booked directly
    • 1x mile on all other purchases

    Welcome Bonus:

    New cardholders can earn 60,000 bonus miles after spending $3,000 within the first three months of joining.

    Card Details:

    • Annual fee: $0 intro for the first year, then $150 after
    • APR: 20.49%–28.99% variable
    • Other benefits: Two United Club passes per year, priority boarding
    • Network: Visa
    • Type: Travel rewards credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Free first checked bag for cardholder and one companion
    • Priority boarding on United flights
    • Two United Club lounge passes each year
    • 25% back on in-flight purchases

    Redemption Options:

    Miles can be redeemed for flights, seat upgrades, hotel stays, and car rentals through United MileagePlus.

    Credit Requirements:

    Applicants generally need good to excellent credit (FICO score of at least 670) to qualify.

    Spending Limitations / Potential Drawbacks:

    The free checked bag benefit only applies when the ticket is purchased with the card.

    Why it Works for Beginners:

    It provides straightforward perks like free bags and lounge passes without requiring frequent travel to see value.

  • United Quest℠ Card

    The United Quest℠ Card is a mid-tier airline credit card designed for travelers who fly United Airlines often enough to benefit from added perks. It focuses on providing value through travel credits, free checked bags, and inflight discounts.

    This card also helps travelers save on award flights and enjoy priority services at the airport. It balances travel benefits with earning opportunities on United purchases and everyday spending.

    Earning Structure:

    • 8 miles per dollar spent on United flights
    • 5 miles per dollar spent on hotel stays booked through Renowned Hotels and Resorts
    • 3 miles per dollar spent on all other United purchases
    • 2 miles per dollar spent on other travel purchases
    • 2 miles per dollar spent on dining and select streaming services
    • 1 mile per dollar spent on all other purchases

    Welcome Bonus:

    Earn 70,000 bonus miles and 1,000 PQP after spending $4,000 within the first three months of account opening.

    Card Details:

    • Annual fee: $350
    • APR: 20.49%–28.99% variable
    • Other benefits: $200 annual United travel credit, Global Entry / TSA PreCheck credit
    • Network: Visa
    • Type: Travel rewards credit card
    • Foreign transaction fees: None
    • Additional perks: Priority boarding, inflight discounts

    Key Benefits:

    • Two free checked bags for cardholder and companion
    • Annual United TravelBank credit
    • 25% back on inflight purchases
    • Award flight discount each year
    • Strong earning rate on United purchases

    Redemption Options:

    Miles can be redeemed for United flights, partner airline flights, seat upgrades, and other travel-related purchases.

    Credit Requirements:

    Typically requires good to excellent credit, generally a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    The high annual fee may not be worth it for travelers who fly United only a few times per year.

    Why it Works for Beginners:

    It offers simple perks like free bags and travel credits, making it easy for newer travelers to see value right away.

  • United℠ Club Card

    The United℠ Club Card is designed for travelers who fly United often and want extra comfort and convenience. It includes premium perks that make trips smoother and more rewarding.

    This card focuses on travel benefits such as free checked bags, airport lounge access, and priority services. It is best suited for people who value added services when flying United.

    Earning Structure:

    • 9x total miles on United flights: 5x miles on fare from United as a MileagePlus member, plus 4x miles on the entire United purchase with the United Club℠ Card (Premier® members earn more)
    • 5x miles on hotel stays at Renowned Hotels and Resorts when prepaid directly with the United Club℠ Card
    • 4x miles on all other eligible United purchases
    • 2x miles on dining and all other travel
    • 1x mile on all other purchases

    Welcome Bonus:

    Earn 80,000 bonus miles after spending $5,000 within the first three months of account opening.

    Card Details:

    • Annual fee: $695
    • APR: 20.49%–28.99% variable
    • Other benefits: United Club membership, Premier Access, inflight purchase discounts
    • Network: Visa
    • Type: Travel rewards
    • Foreign transaction fees: None
    • Additional perks: Free first and second checked bags for cardholder and companion

    Key Benefits:

    • Two free checked bags per trip
    • United Club lounge access
    • Priority check-in and boarding
    • 25% back on inflight purchases
    • Credit for Global Entry, TSA PreCheck, or Nexus

    Redemption Options:

    Miles can be redeemed for United flights, partner airline flights, seat upgrades, and other travel rewards.

    Credit Requirements:

    Applicants typically need excellent credit to qualify, with a FICO score starting at 740.

    Spending Limitations / Potential Drawbacks:

    The high annual fee may not be worth it for travelers who do not fly United often.

    Why it Works for Beginners:

    It provides clear travel perks that are easy to use, making it simple for new cardholders to see value right away.

  • United℠ Business Card

    The United℠ Business Card is designed for business travelers who often fly with United Airlines. It offers travel perks that help cardholders save money and time during trips.

    This card provides benefits such as a free checked bag and priority boarding on United flights. It also includes inflight discounts, making it useful for frequent flyers.

    Earning Structure:

    • 2x miles on United purchases
    • 2x miles at restaurants, gas stations, and office supply stores
    • 1x mile on all other purchases

    Welcome Bonus:

    Earn 100,000 bonus miles and 2,000 PQP after spending $5,000 in the first three months of account opening.

    Card Details:

    • Annual fee: $150
    • APR: 20.49%–28.99% variable
    • Other benefits: Free checked bag, priority boarding, inflight discounts
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: None
    • Additional perks: May include statement credits and partner merchant discounts

    Key Benefits:

    • Free first checked bag on United flights
    • Priority boarding privileges
    • 25% back on inflight purchases
    • Rewards across business spending categories
    • No foreign transaction fees

    Redemption Options:

    Miles can be redeemed for United flights, seat upgrades, hotel stays, and car rentals through the MileagePlus program.

    Credit Requirements:

    The card requires good to excellent credit, typically a 670+ FICO score.

    Spending Limitations / Potential Drawbacks:

    The card is most valuable for frequent United flyers, so those who rarely use the airline may not benefit as much.

    Why it Works for Beginners:

    It offers straightforward travel perks and easy-to-use rewards, making it a simple entry point for business travelers starting with airline cards.

  • United Club Business Card

    The United Club Business Card is designed for frequent United Airlines travelers who value comfort and convenience. It offers a premium set of travel perks that go beyond standard airline credit cards.

    Cardholders gain access to exclusive services that improve the airport and flight experience, including a free checked bag on United flights. The card also provides strong protections and credits that can support both business and leisure travel.

    Earning Structure:

    • 7 miles per dollar on United flight purchases (5 miles from MileagePlus membership + 2 miles from cardholder bonus)
    • 5 miles per dollar on United Hotels purchases
    • 2 miles per dollar on all other United purchases
    • 1.5 miles per dollar on all other purchases

    Welcome Bonus:

    Earn 100,000 bonus miles and 2,000 PQP after spending $5,000 in the first three months, plus 10,000 bonus miles when you add an employee card within the first three months.

    Card Details:

    • Annual fee: $695
    • APR: 20.49%–28.99% variable
    • Other benefits: United Club membership included
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: None
    • Additional perks: Priority services, inflight discounts

    Key Benefits:

    • Free first and second checked bags
    • United Club lounge membership
    • Priority check-in and boarding
    • 25% back on inflight purchases
    • Travel and purchase protections

    Redemption Options:

    Miles can be redeemed for United flights, partner airline flights, seat upgrades, and other travel rewards.

    Credit Requirements:

    The card requires an excellent credit score of 740 or higher, though lower scores may be considered.

    Spending Limitations / Potential Drawbacks:

    The high annual fee may not be worth it for those who do not fly United often.

    Why it Works for Beginners:

    It simplifies travel by bundling lounge access, free bags, and priority services into one card.

Frequently Asked Questions

Which credit cards offer free checked bags on domestic flights?

Most major airline cards include at least one free checked bag on domestic flights. The benefit usually applies to the cardholder and sometimes to companions on the same reservation. Travelers must book with the airline and link their loyalty number to use the perk.

Are there any credit cards that provide free checked luggage on international travel?

Co-branded cards from airlines generally extend the free checked bag to many international routes. Exact rules can vary by route and fare class. Always check the fare details, as basic economy may limit benefits.

Do travel companion(s) also receive a free checked bag when flying with these credit cards?

Yes—most airline co-branded cards extend the free checked bag benefit to at least one companion traveling on the same reservation. Always check individual card terms, but for many cards in your list, partners and family members are covered as long as the cardholder’s loyalty number is attached to the booking.