Airlines typically charge $25 each way for the first checked suitcase. For a couple checking two bags, that means an extra $100. Add in a suitcase for a kid and you are looking at $150. Getting an airline-branded credit card can mean no luggage fees.

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American Airlines, Delta Air Lines and United Airlines all have credit cards that waive those fees. The cards carry a $95 annual fee, so you need to do the math. The savings could be substantial if you travel frequently or have a large family.

Make sure to read the fine print. All three airlines require you to use the credit card to book your flight. United waives the fee for only the cardholder and one companion. American allows three companions, and Delta waives the fee for up to eight others. Everybody must be on the same reservation.