Get the airline credit card of the carrier you fly most, since its free bags and boarding perks work only on that airline. If you check a bag a few times a year, its card for $150 or less is enough. Pay more only for a perk you’ll use every year, like a companion fare or lounge visits.
Your home airport usually decides which airline you fly most, since the carrier with the most nonstop flights there is the one whose perks you’ll use. If you split your trips among several airlines, a travel rewards credit card fits better, because its points aren’t tied to one carrier.
Then let how often you fly decide how much to pay. Cards with an annual fee of $150 or less are mainly about free checked bags. Cards near $350 add a yearly companion certificate, a second free bag, or a few lounge passes, and cards at $650 and up suit travelers who’d use the airline’s lounges on most trips.
Delta
Delta SkyMiles® Gold American Express Card
For a few Delta trips a year, it’s the card. No cheaper personal Delta card waives checked bags, and this one waives the same first and second bags as Delta cards costing $350 and $650.
- Best for: Travelers who fly Delta a few times a year and check a bag
- What Sets It Apart: Free first checked bag for up to nine travelers on your reservation; free second bag for primary cardholders on domestic flights
- Rewards: 2X miles on Delta purchases, at restaurants, and at U.S. supermarkets
- Features: Zone 5 priority boarding; at least 15% off award flights on Delta; up to $100 a year back on prepaid Delta Stays bookings; $200 flight credit after $10,000 in purchases in a calendar year
- Annual Fee: $0 the first year, then $150
- APR: 19.74% to 28.74% variable
- Cost: No fees on purchases abroad
- Pros: Two domestic round trips with a bag save $180, more than the $150 fee; bag and boarding perks cover companions on your reservation; no fee the first year
- Cons: No lounge access, companion ticket, or Medallion status help; second free bag is domestic and cardholder-only; no free bags on codeshare flights another airline operates
For more information, read our full Delta SkyMiles® Gold American Express Card Review.
Delta SkyMiles® Platinum American Express Card
Delta’s lowest-fee personal card with a companion certificate suits couples and families who take one Delta trip together a year. The second traveler pays only taxes and fees on an eligible Delta Main round trip.
- Best for: Delta flyers who will use a yearly companion certificate and want progress toward Medallion status
- What Sets It Apart: Yearly Delta Main companion certificate; $2,500 Medallion Qualification Dollars each year; up to $390 a year in statement credits
- Welcome Offer: Up to 90,000 bonus miles plus a $300 credit after $4,000 in purchases in 6 months, for applications through Nov. 4, 2026
- Rewards: 3 miles per dollar on Delta and direct hotel purchases; 2 per dollar at restaurants and U.S. supermarkets
- Features: Free first checked bag and Zone 5 boarding for up to 9 travelers on your reservation; free second bag for you on domestic trips
- Annual Fee: $350
- APR: 19.74% to 28.74% variable
- Cost: No foreign transaction fees
- Pros: Certificate can cover the fee in one trip; head start on Medallion status; credits for Delta Stays, Resy, and rideshares
- Cons: First certificate arrives after year one; certificate limited to certain Delta Main fares; miles worth about 1 cent each; no Sky Club access
For more information, read our full Delta SkyMiles® Platinum American Express Card Review.
Delta SkyMiles® Reserve American Express Card
The only personal Delta card with Sky Club lounge visits serves frequent business travelers. Weekly flyers will run out of its 15 a year unless they put $75,000 a calendar year on the card.
- Best for: Frequent Delta flyers who will use the Sky Club visits and the companion certificate every year
- What Sets It Apart: 15 Sky Club visits a year; Centurion Lounge access on Delta trips; companion certificate good in first class
- Welcome Offer: 50,000 bonus miles and two round-trip Delta Comfort (extra-legroom) tickets within the contiguous U.S. after $10,000 in purchases in 6 months (offer ends Nov. 4, 2026)
- Rewards: 3X miles on Delta purchases and 1X on everything else
- Features: $2,500 in Medallion Qualification Dollars a year plus $1 per $10 spent; up to $240 in Resy, $120 in rideshare, and $200 in Delta Stays credits a year; first checked bag free for up to nine on your reservation
- Annual Fee: $650
- APR: 19.74% to 28.74% variable
- Cost: No foreign transaction fees
- Pros: Sky Club and Centurion Lounge access; companion certificate works in first class; fastest elite-status earning of Delta’s personal cards
- Cons: $300 a year more than the Delta Platinum; 1X at restaurants and U.S. supermarkets; guests cost $50 a visit after four free passes a year
For more information, read our full Delta SkyMiles® Reserve American Express Card Review.
United
United℠ Explorer Card
Book a few United trips a year on the card, and its free first bag covers you and one companion, so a family of four still pays for two bags each way.
- Best for: Travelers who fly United a few times a year, check a bag, and often book with a companion
- What Sets It Apart: Free first checked bag for you and a companion; early Group 2 boarding; two United Club lounge passes a year
- Welcome Offer: Up to 80,000 miles, 70,000 after $3,000 in purchases and 10,000 for adding an authorized user, both in the first 3 months
- Rewards: 3 miles per $1 on United purchases; 2 on dining and on hotels booked directly; 1 on everything else
- Features: Up to $120 every 4 years toward a Global Entry, TSA PreCheck, or NEXUS application fee; at least 10% fewer miles on United flights booked with miles
- Annual Fee: $0 the first year, then $150
- APR: 19.99% to 28.49% variable
- Cost: No foreign transaction fees
- Pros: Free first bags for two can cover the $150 fee in one round trip; two United Club passes a year, which Chase values at over $100
- Cons: Advertised $500-plus in credits split across specific partners; only 1,000 Premier qualifying points a year toward elite status; no companion ticket
For more information, read our full United℠ Explorer Card Review.
United Quest℠ Card
Pick it over the Explorer if you or a companion often check a second bag on several United trips a year, since it’s United’s lowest-fee personal card that waives a second bag.
- Best for: Travelers who fly United several times a year and will use the $200 travel credit
- What Sets It Apart: $200 United travel credit each year; two free checked bags each for you and one companion; Premier qualifying points from spending, up to 18,000 a year
- Welcome Offer: 80,000 bonus miles after $4,000 in purchases in 3 months
- Rewards: 4 miles per dollar on United purchases; 2 miles per dollar on other travel, dining, and select streaming
- Features: 10,000-mile award discount each anniversary
- Annual Fee: $350
- APR: 19.99% to 28.49% variable
- Cost: No foreign transaction fees
- Pros: $200 travel credit cuts the $350 fee to an effective $150; two free bags for you and a companion; 1,000 bonus Premier qualifying points a year from the year after opening
- Cons: No United Club access; travel credit only for United flights; partner credits tied to specific merchants
For more information, read our full United Quest℠ Card Review.
United Club℠ Card
Weekly United business travelers who’d use a United Club lounge on most trips get their money’s worth. If you wouldn’t, the $350 Quest card waives the same two checked bags for you and a companion.
- Best for: Frequent United flyers who would pay for a United Club membership anyway
- What Sets It Apart: United Club membership for you and one adult guest; 1 Premier qualifying point per $15 spent
- Welcome Offer: Up to 100,000 miles
- Rewards: 5 miles per $1 on United purchases, 2 on other travel and on dining, and 1 on everything else
- Features: Free first and second checked bags for you and a companion; priority check-in, security, and boarding; $875-plus in yearly partner credits
- Annual Fee: $695
- APR: 19.99% to 28.49% variable
- Cost: No foreign transaction fees
- Pros: $695 fee, $55 a year less than United’s $750 club membership; most miles on United purchases of any United card; best elite-status earning rate of any personal United card
- Cons: Credits tied to a handful of partners; Star Alliance lounges only with Premier Gold status or $50,000 in yearly spending; authorized users need you to enter clubs
For more information, read our full United Club℠ Card Review.
American Airlines
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
American Airlines’ lowest-fee personal card with a free checked bag is the right one for occasional flyers unless you’d use a yearly companion fare.
- Best for: Travelers who check bags on a few American Airlines trips a year
- What Sets It Apart: A free first checked bag for you plus up to four companions on your reservation, on all-domestic American itineraries
- Welcome Offer: 50,000 miles after $2,500 in purchases in 3 months
- Rewards: 2X on eligible American Airlines purchases and at restaurants and gas stations; 25% back on inflight food and drinks on domestic flights
- Features: Group 5 boarding; $125 flight discount after $20,000 in yearly spending and renewal
- Annual Fee: $99 after a free first year
- APR: 19.74% to 29.74% variable
- Cost: No foreign transaction fee
- Pros: Bag savings of at least $90 per traveler per domestic round trip; 2X at restaurants and gas stations; no foreign transaction fees
- Cons: No lounge access; no discounted companion ticket; one Loyalty Point per dollar; no bag or boarding perks for extra cardholders
For more information, read our full Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Review.
Citi® / AAdvantage® Globe™ Mastercard®
It’s the only American Airlines card on this list with a companion certificate, so it suits flyers who take one domestic trip a year with a partner.
- Best for: American flyers who take a companion at least once a year and want a few lounge visits
- What Sets It Apart: A companion certificate after each renewal for a domestic economy round trip at $99 plus taxes; four Admirals Club passes a year
- Welcome Offer: 60,000 bonus miles after $4,000 in purchases in 3 months
- Rewards: 6 miles per $1 on AAdvantage Hotels bookings, 3 on eligible American Airlines purchases, 2 at restaurants and on rides and transit, 1 elsewhere
- Features: Free first checked bag and Group 5 boarding for up to nine travelers on one domestic reservation; up to $100 a year back on inflight purchases and $100 at two chosen merchants; up to $240 a year in Turo credits
- Annual Fee: $350
- APR: 19.74% to 29.74% variable
- Cost: No foreign transaction fees
- Pros: Companion fare for $99 plus taxes each year from the second; lounge passes worth $316 at American’s $79 day-pass price; free first bags for up to nine travelers on one domestic reservation
- Cons: No certificate until after the first renewal; certificate limited to select domestic economy seats; 1 mile per $1 on most everyday spending
For more information, read our full Citi® / AAdvantage® Globe™ Mastercard® Review.
Citi® / AAdvantage® Executive World Legend Mastercard®
Choose it for weekly business travel on American. If you’d visit an Admirals Club a few times a year, the Globe card gives four yearly passes for a $350 fee, about half this card’s $695.
- Best for: Frequent American Airlines flyers who would pay for an Admirals Club membership anyway
- What Sets It Apart: The only card with a full Admirals Club membership; lounge entry for as many as three authorized users; first checked bag free for up to eight companions
- Welcome Offer: 80,000 miles for $8,000 spent in 3 months
- Rewards: 12x on AAdvantage Hotels and Cars bookings; 4x on American Airlines purchases
- Features: As many as 40,000 bonus Loyalty Points a year toward elite status; a Global Entry or TSA PreCheck credit of up to $120 every 4 years
- Annual Fee: $695
- APR: 19.74% to 29.74% variable
- Cost: No foreign transaction fees; $175 a year for up to three authorized users
- Pros: $695 fee, below the $1,200 to $1,400 the same membership costs on its own; priority boarding for up to eight companions; credits for American Airlines Vacations, Lyft, Avis or Budget, and inflight and Admirals Club purchases
- Cons: 1 mile per $1 on most purchases; $8,000 spend for the bonus; no companion certificate; no free bag or priority boarding for authorized users
For more information, read our full Citi® / AAdvantage® Executive World Legend Mastercard® Review.
Southwest
Every Southwest card waives your first checked bag, so the pick among Southwest credit cards comes down to the seat perks you’d use.
Southwest Rapid Rewards® Priority Credit Card
Frequent flyers who care where they sit should pick this Southwest card, since its seat perks are the main reason to pay its $229 fee.
- Best for: Frequent Southwest flyers who want better seats for themselves and up to eight companions
- What Sets It Apart: The only Southwest personal card with seat choice at booking and Extra Legroom upgrades; 7,500 anniversary points, the most of any Southwest personal card
- Welcome Offer: 60,000 bonus points after $2,000 in purchases in the first 3 months
- Rewards: 4X points on Southwest and 2X at gas stations and restaurants
- Features: First checked bag free and Group 5 boarding for up to 9 travelers
- Annual Fee: $229
- APR: 19.49% to 27.99% variable
- Cost: No foreign transaction fees
- Pros: Seat perks cover up to 8 companions; 7,500 anniversary points a year; no cap on 2X points
- Cons: No travel credit or lounge access; seats and upgrades only when available; no edge in earning elite status over cheaper cards from 2027
For more information, read our full Southwest Rapid Rewards® Priority Credit Card Review.
Alaska & Hawaiian Airlines
Atmos™ Rewards Ascent Visa Signature® Credit Card
Alaska and Hawaiian flyers who check bags pay the lowest ongoing fee on this list, $95. Put $6,000 a year on the card, and it adds a companion fare for the next year.
- Best for: West Coast and Hawaii travelers who check bags on Alaska or Hawaiian flights
- What Sets It Apart: Free first checked bags for up to seven travelers on one booking when the card pays for the airfare; a yearly companion fare from $122 after $6,000 in spending
- Welcome Offer: 50,000 bonus points and a companion fare after $1,500 in purchases within 90 days
- Rewards: 3x points on Alaska and Hawaiian purchases; 2x on gas, EV charging, local transit, cable, and select streaming; 20% back on inflight food and drinks
- Features: Preferred boarding
- Annual Fee: $95
- APR: 19.74% to 27.74% variable
- Cost: No foreign transaction fee
- Pros: At $45 a bag each way, two travelers save $180 in bag fees on one round trip, against a $95 fee; first companion fare after just $1,500 in spending; no blackout dates on award flights
- Cons: Yearly companion fare needs $6,000 in spending; no lounge passes; slow path to elite status; no intro APR
For more information, read our full Atmos™ Rewards Ascent Visa Signature® Credit Card Review.
Atmos™ Rewards Summit Visa Infinite® Credit Card
Take it if you fly Alaska and Hawaiian several times a year. Its $395 fee, $300 over the Ascent’s $95, buys eight yearly lounge passes and a companion award that also works on partner airlines.
- Best for: Alaska and Hawaiian flyers who’d use lounge passes and book award trips with a companion
- What Sets It Apart: Eight Alaska Lounge passes a year; a 25,000-point companion award each anniversary, good in any cabin on Alaska, Hawaiian, or partner flights
- Welcome Offer: Through Alaska Airlines’ site, 100,000 points plus a 25,000-point companion award after $6,000 in 90 days; through Bank of America’s site, 80,000 points plus the award after $4,000 in 90 days
- Rewards: 3 points per $1 on Alaska and Hawaiian purchases, dining, and purchases abroad
- Features: Free first checked bag and preferred boarding for up to seven travelers on one reservation
- Annual Fee: $395
- APR: 19.74% to 27.74% variable
- Cost: No foreign transaction fee
- Pros: Eight lounge passes worth $520 a year at Alaska’s $65 day-pass price; companion award needs no spending; 1 status point per $2 plus 10,000 each anniversary; points never expire
- Cons: Lounge passes expire each quarter; the companion award works only on new two-traveler award bookings on Alaska’s website; taxes and fees on the companion’s ticket still due
For more information, read our full Atmos™ Rewards Summit Visa Infinite® Credit Card Review.
JetBlue
JetBlue Plus Card
JetBlue’s lowest-fee personal card with a free checked bag fits occasional flyers. On a ticket it pays for, a party of four can each check a bag free.
- Best for: JetBlue flyers who check bags a few times a year, especially anyone booking for family or friends
- What Sets It Apart: First checked bag free for you and up to 3 companions on the same reservation
- Welcome Offer: 70,000 bonus points after $1,000 in purchases and the annual fee paid within 90 days
- Rewards: 6x points on JetBlue purchases; 2x at restaurants and grocery stores; 1x on everything else; 10% of redeemed points back after JetBlue award flights
- Features: 5,000 points each card anniversary
- Annual Fee: $99
- APR: 19.74% to 29.74% variable
- Cost: No foreign transaction fee
- Pros: $180 in bag fees saved on two round trips with one bag at JetBlue’s $45 fee; half off inflight food and drinks
- Cons: No boarding perk, companion perk, or lounge access; Mosaic takes $50,000 a year in card spending alone; free bags only on tickets bought with the card
For more information, read our full JetBlue Plus Card Review.
Frontier
Frontier Airlines World Mastercard®
Frontier regulars get two free checked bags for the lowest fee of any card on this list that waives both, though the bags are for the cardmember alone.
- Best for: Frontier flyers who check a bag on at least one round trip a year
- What Sets It Apart: Two free checked bags for the cardmember on Frontier flights bought with the card; Elite Gold status after the first purchase
- Welcome Offer: Up to 60,000 bonus miles
- Rewards: 5X miles on Frontier purchases; 3X at restaurants; 1X on everything else
- Features: 1 Elite Status Point per $1; $100 flight voucher after $2,500 in yearly purchases; Group 4 boarding
- Annual Fee: $99
- APR: 19.74% to 29.74% variable
- Cost: 0% foreign transaction fee
- Pros: Two free checked bags on every eligible flight; free carry-on and Group 1 boarding with Elite Gold
- Cons: Free bags for the primary cardmember only; companion travel requires Elite Platinum; 1 mile per $1 on most spending; no lounge access
For more information, read our full Frontier Airlines World Mastercard® Review.
Knowing which airline you fly most narrows this list to that airline’s cards, and how often you fly decides which of them to get. Occasional travelers need only their airline’s cheapest card that waives a checked bag, and a fee of $350 or more is worth it only for a companion fare, a second bag, or lounge visits you’d use every year.
Editorial & Advertiser Disclosure: The editorial content on this page is not provided, commissioned, reviewed, approved, or otherwise endorsed by any advertiser. Opinions expressed here are ours alone, not those of any advertiser. The offers that appear on this site are from companies that compensate us. That compensation may influence which products we cover and where and how they appear on a page – including the order in which they appear – but it does not influence our evaluations, ratings, or opinions. We do not include every company or offer available in the marketplace.
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