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Today, I want to share a story from TPG reader Nick, who learned a costly lesson after misunderstanding his credit card benefits. Here’s what he had to say:

Recently, I flew on American Airlines with my family of four to Nassau, Bahamas for a week-long vacation. We could have packed all of our belongings in carry-on bags, but since I have both the Citi AAdvantage Platinum Select World Elite Mastercard and the AAdvantage Aviator Red World Elite Mastercard, we went ahead and used larger bags so we would have more room for clothing and souvenirs.

I assumed I would get complimentary checked bags for myself and my three traveling companions from my card benefits. However, when I got to the airport, the ticketing agent said it would be $100 to check all four bags to Nassau. I explained that I had the AAdvantage co-branded cards, but she informed me that the checked baggage benefit only applies to domestic itineraries, and bags are not complimentary in economy on international trips to Mexico and the Caribbean. Thus, I was stuck in an awkward middle ground between domestic and long-haul international, and ended up having to pay $200 round-trip for bags that we could’ve easily switched out for carry-ons.

My biggest mistake here was making assumptions (that turned out to be incorrect) about my credit card benefits. I almost never travel out of the country, so I’ve never had issues with baggage fees. I also should have checked on the American Airlines website to see whether baggage fees would be charged on our trip, since it wasn’t a long-haul international flight. We’ll certainly pack lighter next time!

Baggage fees have been a boon for domestic airlines in recent years, totaling over $4.5 billion in 2017. One way to avoid those fees is by carrying a co-branded airline credit card, many of which offer a free checked bag to the cardholder and (usually) some number of companions on the same itinerary. However, baggage benefits come with a variety of stipulations like the one that tripped up Nick. As he suggests, it’s worth taking the time to get familiar with your card benefits so you can plan accordingly.

A few common terms to watch out for are exclusions for overweight or oversized bags, and a requirement that your frequent flyer number be attached to your reservation. In some cases (like with the United Explorer Card), the free checked bag is only offered when you use the card to purchase your ticket. Finally, keep in mind that these benefits may not stack with other cards or with elite status. For example, Nick would only be eligible for one complimentary checked bag on an American Airlines domestic flight even though he has two co-branded cards that offer it.

I appreciate this story, and I hope it can help other readers avoid making the same mistake. To thank Nick for sharing his experience (and for allowing me to post it online), I’m sending him a $200 airline gift card to enjoy on future travels, and I’d like to do the same for you. Please email your own travel mistake stories to, and put “Reader Mistake Story” in the subject line. Tell us how things went wrong, and (where applicable) how you made them right. Offer any wisdom you gained from the experience, and explain what the rest of us can do to avoid the same pitfalls.

Feel free to also submit your best travel success stories. If your story is published in either case, I’ll send you a gift to jump-start your next adventure. I look forward to hearing from you, and until then, I wish you a safe and mistake-free journey!

Feature image by PhotoAlto/Thierry Foulon/Getty Images.

The Platinum Card® from American Express

The American Express Platinum card has some of the best perks out there: cardholders enjoy the best domestic lounge access (Delta SkyClubs, Centurion Lounges, and Priority Pass), a $200 annual airline fee credit as well as up to $200 in Uber credits, and mid-tier elite status at SPG, Marriott, and Hilton. Combined with the 60,000 point welcome offer -- worth $1,140 based on TPG's valuations -- this card is a no-brainer for frequent travelers. Here are 5 reasons you should consider this card, as well as how you can figure out if the $550 annual fee makes sense for you.

Apply Now
More Things to Know
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
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Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.