A couple of years ago when the Continental credit cards first had this feature, I applied for the credit card after the Continental tickets were purchased and the credit card arrived in the mail just before the flight. I had requested miles on Delta for that Continental flight, but was able to get fees for luggage waived, but it was not automatic. I had to ask for it and they turned to the Terms and conditions on the web site to verify the rules. In the end, the first bag fee was waived for each family member since all tickets were purchased in one transaction and I had that Continental credit card with me. Since Mr. BOGO has a credit card but is not the primary account holder, I wonder what would happen if he flew alone with a checked bag?