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TPG reader credit card question: Do I have to pay with my credit card for the free checked bag benefit? Madison Blancaflor © Provided by The Points Guy MSN has partnered with The Points Guy for our coverage of credit card products. MSN and The Points Guy may receive a commission from card issuers. Editor’s note: This article is part of a column to answer your toughest credit card questions. If you would like to ask us a question, tweet us at @thepointsguy, message us on Facebook or email us at info@thepointsguy.com.  There are a lot of benefits to holding a cobranded airline credit card especially if you are loyal to a specific airline. One of the most common benefits you’ll see across many airline cards is a free checked bag for the primary cardholder and a certain number of guests on the same reservation.

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