With summer travel season around the corner, chances are your next getaway is already on your mind. But if you’ve been waiting for airfare prices to finally drop, you’re not imagining things — they haven’t. Airfares were up 21% year over year as of April, according to the Consumer Price Index, and that’s before you’ve even paid for checked bags.
This spring, every major airline raised checked bag fees by another $10, pushing the typical first checked bag to $45 each way — or $90 round trip just to bring luggage. Add in seat selection fees that now average $33, plus carry-on charges on budget airlines and extras like priority boarding, and that “cheap” ticket suddenly doesn’t look so cheap anymore. Here’s how to avoid paying most of those added costs.
Checked bag fees
For those who favor Delta, the Delta SkyMiles Gold American Express Card might be your new best friend. It waives the first checked bag fee for you and up to eight companions traveling on the same reservation, which means a family of four on a round trip could save up to $360 in bag fees alone, more than enough to offset the $150 annual fee.
The Delta SkyMiles® Gold American Express Card has the right mix of benefits if you occasionally fly with Delta, such as free checked bags, priority boarding and discounts.
- Earn up to $300 in travel credit every year
- First checked bag free for you and up to eight companions on eligible flights
- Discounts on eligible in-flight purchases and on Delta award flights (Not applicable to partner-operated flights or to taxes and fees).
- Annual fee after the first year
- Delta flight credit benefit has a high spending requirement to earn
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- You may be eligible for as high as 80,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Enjoy a $0 introductory annual fee for the first year, then $150.
- Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
- When you use your Delta SkyMiles® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
- Enjoy your first checked bag free on Delta flights and save up to $70 per person on a round-trip Delta flight.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
- Terms Apply.
- See Rates & Fees.
If you fly Southwest, consider the Southwest Rapid Rewards Plus, which offers the same first bag waiver for you and your travel group. It also includes 3,000 anniversary points each year, a 10% flight discount and a 10,000-point boost toward the Companion Pass, making it a strong option for Southwest fans.
The Southwest Rapid Rewards® Plus Credit Card is an affordable card that makes sense for the occasional Southwest traveler.
- Valuable welcome bonus
- 3,000 bonus points every card member anniversary
- Not especially rewarding for common expenses such as groceries or dining
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 3,000 anniversary points each year.
- Earn 2 points per $1 spent on Southwest Airlines® purchases
- Earn 2 points for every $1 you spend at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year
- Cardmembers and up to 8 additional passengers in the same reservation can check their first bag at no additional cost.
- Select a Standard seat within 48 hours prior to departure, when available.
- Earn 1 point for every $1 spent on all other purchases.
- No foreign transaction fees.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Here are other credit cards with free checked bags
Best if you fly United:
The United℠ Explorer Card is worth it even if you only fly with United Airlines once or twice a year because you can take advantage of two United Club℠ passes per year when the primary cardmember or authorized user is traveling and you can receive free checked bags.
- No annual fee for the first year
- Unlocks upgrades for elite members on award flights
- Two free United Club airport lounge passes every year
- Valuable United Airlines perks, such as in-flight purchase discounts and the ability to earn elite status credit through credit card spending
- First checked bag free benefit requires you to pay for the flight with the card
- United Airlines has a dynamic award chart which can limit the value and flexibility of your miles
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- Earn up to 80,000 bonus miles
- $0 introductory annual fee for the first year, then $150
- NEW! 9x total miles on eligible United flights and 3x miles on all other eligible United® purchases
- 2x miles on dining and hotel stays when booked with the hotel. 1x mile on all other purchases.
- Free first checked bag – a savings of up to $160 per roundtrip. Terms Apply. Plus, priority boarding on United® flights.
- 2 United Club one-time passes per year – over a $100 value
- Over $500 in partner credits each year
- NEW! Save at least 10% when booking flights with miles. Premier members earn even more.
- Member FDIC
Best if you fly American Airlines:
The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is worth considering if you fly with American Airlines once or twice a year because you’ll get your first checked bag free on domestic American Airlines itineraries.
- First checked bag free on eligible American Airlines flights for the cardholder and up to four travel companions on the same reservation
- No foreign transaction fees
- Preferred boarding
- American Airlines Flight Discount has a high spending requirement
- Has an annual fee
JetBlue Plus Card
Information about the JetBlue Plus Card has been collected independently by CNBC Select and has not been reviewed or provided by the issuer prior to publication.
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Rewards
6X points on eligible JetBlue purchases; 2X points at restaurants and eligible grocery stores; 1X points on all other purchases
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Welcome bonus
Earn 70,000 bonus points after you spend $1,000 on the card and pay the annual fee in the first 90 days.
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Annual fee
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Intro APR
0% APR on eligible balance transfers that post to account within 45 days of account opening, for the first 12 billing cycles; 19.49% to 29.49% variable thereafter depending on creditworthiness
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Regular APR
19.49% to 29.49% variable
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Balance transfer fee
Either $5 or 5%, whichever is greater.
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Foreign transaction fees
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Credit needed
Pros
- 5,000 bonus points on your account anniversary
- 10% rebate on JetBlue award flight redemptions
- First checked bag free for you and up to three companions
- 50% off in-flight purchases
Cons
- $99 annual fee
- Limited bonus spending categories
Best if you fly Alaska Airlines and Hawaiian Airlines:
- Annual companion fare
- Lounge membership discount
- Earns valuable miles
- Annual fee
- Limited bonus spending categories
Information about the Atmos™ Rewards Ascent Visa Signature® Card cards has been collected independently by CNBC Select and has not been reviewed or provided by the issuer prior to publication.
Best if you fly any airline:
The Chase Sapphire Reserve® is a standout premium credit card with plenty of luxury perks and statement credits to justify its annual fee.
- Access over 1,300 airport lounges worldwide with a complimentary Priority PassTM Select membership, plus every Chase Sapphire Lounge® by The Club with two guests.
- Up to $300 in annual travel credit each account anniversary year
- You can transfer rewards to all of Chase’s travel partners including World of Hyatt, Southwest Rapid Rewards and many more
- Top-tier travel and shopping protections
- High annual fee
- Requires a high credit score
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- Earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get $3,000 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase TravelSM, including The EditSM and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority PassTM Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $288 annually
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Resort fees
Ever booked a hotel at what looked like a great nightly rate, only to get to checkout and see the total was way higher than expected? That’s likely a resort fee at work. A new FTC rule that took effect in early 2025 now requires hotels to display the total price upfront, but the fees themselves aren’t going anywhere.
Resort fees are mandatory daily charges added on top of your nightly rate, and the average is now around $42 per night, covering things like Wi-Fi or pool access (whether or not you use them). The good news is that the right credit card can make them a non-issue.
The World of Hyatt Credit Card is one card that can help. It automatically gets you Discoverist elite status, includes a free night every year starting on your first card member anniversary and waives resort fees on award stays at participating properties — all for a $95 annual fee.
Another option is the Hilton Honors American Express Aspire, which comes with complimentary Diamond elite status, up to $400 back annually in Hilton resort credits and up to $200 in annual flight credits. While it comes with a $550 annual fee, it makes the most sense if you’re staying with Hilton at least a few times a year.
The Hilton Honors American Express Aspire Card grants you complimentary Hilton Honors™ Diamond Status and a Free Night Reward every year.
- Earn up to $889 in statement credits every year
- Complimentary Hilton Honors™ Diamond Status
- Free Night Reward every year
- High annual fee
- Additional Free Night Rewards have high spending requirements
- Some credits are only earned quarterly or semi-annually, which makes them more complicated to fully maximize
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
- Enjoy an Annual Free Night Reward from Hilton Honors in your first year of Card Membership and every year upon Card renewal.
- Card Members can earn 14X Points on purchases made directly with hotels and resorts within the Hilton portfolio.
- Card Members can earn 7X Points on purchases of Flights booked directly with airlines or flights booked through American Express Travel, Car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants.
- Card Members can earn 3X Points on all other eligible purchases.
- $400 Hilton Resort Credit: Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That’s up to $400 back annually.
- $200 Flight Credit: Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with airlines or via AmexTravel.com or the Amex Travel App™ using your Hilton Honors American Express Aspire Card.
- $209 CLEAR+ Credit: You can receive up to $209 in statement credits per calendar year after you sign up and pay for a CLEAR+ Membership (subject to auto-renewal) with your eligible Hilton Honors American Express Aspire Card.
- Earn a Free Night Reward from Hilton after you spend $30,000 in purchases on your Card in a calendar year. Plus, you can earn an additional Free Night Reward from Hilton after you spend an additional $30,000 (for a total of $60,000) in purchases on your Card in the same calendar year.
- $100 Property Credit: Receive up to a $100 credit for qualifying charges at Waldorf Astoria® Hotels & Resorts and Conrad® Hotels & Resorts properties when you book a 2 night minimum stay with your Card at HiltonHonorsAspireCard.com and select the Aspire Card Benefit rate option on the booking page, or call Hilton Honors at 855-292-5757 with the proper booking reference.
- Hilton Honors Aspire Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
- Whenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
- Points don’t expire while your Hilton Honors American Express Card is active and in good standing.
- $550 annual fee.
- Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees
Foreign transaction fees
If you’re planning an international trip, the card in your wallet could be quietly costing you on every single purchase. Foreign transaction fees are generally 1% to 3% of each transaction amount. When you factor in the number of purchases you might make in a typical vacation day, from meals to transportation to souvenirs, those fees add up quickly. Two cards that charge no foreign transaction fees are the Chase Sapphire Preferred and the Capital One Venture Rewards Credit Card, both of which waive the fee entirely and earn travel rewards on top of it.
Make the most of your next trip with one of these top travel credit cards
Offers in this section are from affiliate partners and selected based on a combination of engagement, product relevance, compensation, and consistent availability.
ATM fees
If you’re someone who relies on cash when traveling, those quick ATM stops can add up faster than you’d think. The average out-of-network ATM transaction costs $4.86, made up of your bank’s own fee and the ATM operator’s surcharge. Abroad, it gets worse. A typical withdrawal overseas can run three fees at once: a flat charge from your home bank, a surcharge from the foreign ATM operator, plus a currency conversion markup baked into the exchange rate — altogether costing you 5% to 10% more than it needed to.
The Charles Schwab Investor Checking and the Axos Rewards Checking can help. Schwab offers unlimited ATM fee rebates for cash withdrawals worldwide with no foreign transaction fees, which makes it the stronger pick for international travel. Axos reimburses unlimited domestic ATM fees with no monthly cap, so if your trips are mostly stateside, it can cover you as well.
Schwab Bank Investor Checking™
Information about the Schwab Bank Investor Checking™ account has been collected independently by Select and has not been reviewed or provided by the bank prior to publication. Charles Schwab Bank, SSB is a Member FDIC.
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Monthly maintenance fee
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Minimum deposit to open
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Minimum balance
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Annual Percentage Yield (APY)
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Free ATM network
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ATM fee reimbursement
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Overdraft fee
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Mobile check deposit
Pros
- No monthly service fees
- No minimum balance requirements
- Unlimited ATM fee rebates
- No foreign transaction fees
Axos Bank® Rewards Checking
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Annual Percentage Yield (APY)
Build your own APY with up to 3.30% APY*
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Minimum deposit to open
No initial deposit to open
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Minimum balance
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Monthly fee
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Free ATM network
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ATM fee reimbursement
Unlimited domestic ATM fee reimbursements
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Overdraft fee
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Mobile check deposit
Pros
- High APY for a checking account
- Low minimum deposit required
- No minimum balance
- No monthly fees
- Offers ATM fee reimbursement
- No overdraft fee
- Cash in on up to a $500 bonus† and up to 3.30% APY* with a new Rewards Checking account. Just use promo code RC500 before July 31
Cons
- Requirements to earn high APY
- No ATM network
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