Hmmm, maybe it's an airline specific problem, but normally if an airline can find a way to disappoint me, they do....

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Sample T&C of the Citi AA Plat card around baggage fee waiver.

† First checked bag free
For benefit to apply, the CitiŽ / AAdvantageŽ account must be open 7 days prior to air travel AND, reservation must include the primary cardmember's American Airlines AAdvantageŽ number 7 days prior to air travel. If your credit card account is closed for any reason, these benefits will be cancelled. Eligible CitiŽ / AAdvantageŽ primary cardmembers may check one bag free of charge when traveling on domestic itineraries (i.e., all flights on the same itinerary must be domestic flights) marketed by either American Airlines or US Airways and operated by either American Airlines or US Airways, or on itineraries marketed by either American Airlines or US Airways and operated either as American EagleŽ flights by Compass Airlines, LLC, Envoy Air Inc., ExpressJet Airlines, Inc., Mesa Airlines, Inc., Republic Airline Inc., SkyWest Airlines, Inc., Trans States Airlines, LLC, or as US Airways ExpressSM flights by Mesa Airlines, Inc., Republic Airline Inc., SkyWest Airlines, Inc., Trans States Airlines, LLC., PSA Airlines, Inc., Piedmont Airlines, Inc., or Air Wisconsin Airline Corp. This benefit will not be available for travel on codeshare flights booked with an American Airlines or US Airways flight number but operated by another airline. For the CitiŽ / AAdvantageŽ card, up to four (4) customers traveling with the eligible primary cardmember will also get their first checked bag free of charge if they are listed in the same reservation. Waiver does not apply to overweight or oversized bags. This benefit cannot be combined with any existing AAdvantageŽ elite program benefits, including any waiver of baggage charges. Please see aa.com for baggage weight and size restrictions. Applicable terms and conditions are subject to change without notice.

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Sample of the United Explorer T&C

Terms and Conditions
1.The primary Cardmember and one companion traveling on the same reservation are each eligible to receive their applicable standard checked bag(s) free. To receive the applicable standard checked bag(s) free, the primary Cardmember must include their MileagePlus account number in their reservation and use their qualifying United MileagePlus Credit Card from Chase to purchase their ticket(s).
2.One authorized user is eligible to receive the applicable standard checked bag(s) free only if traveling on the same reservation as the primary Cardmember and counted as the one traveling companion eligible for the benefit.
3.Eligible Cardmembers will receive their applicable standard checked bag free on flights operated by United or United Express; codeshare flights are not eligible.
4.Checked bags must meet weight and size restrictions or may be subject to additional fees. Learn more about our baggage policy.
5.Primary Cardmembers are eligible to receive applicable standard checked bag(s) free when they use their miles to book award travel on United-operated flights, as long as they pay for their award ticket taxes and service charges with their qualifying Card and include their MileagePlus account number in their reservation.
6.Primary Cardmembers who are already exempt from checked baggage service charges will not receive additional free checked bags. a.Premier members: i.Club or Presidential Plus Card members who receive two or more free checked bags through their Premier status will not receive additional free checked bags.
ii.Explorer Card members and Cardmembers with certain other MileagePlus Chase Credit Cards will not receive a free checked bag in addition to the free checked bag(s) awarded through their Premier status.
iii.For additional information on Premier benefits, visit www.united.com/premier.

b.International travel: i.Club and Presidential Plus Card members will not get additional free checked bags if there are no first and second checked bag service charges applicable to their international travel itinerary.
ii.Explorer Card members and Cardmembers with certain other MileagePlus Chase Credit Cards will not get an additional free checked bag if there is no first checked bag service charge applicable to their international travel itinerary.


7.Unpublished fares, such as priceline.com and Hotwire, are not eligible.
8.New United MileagePlus Chase primary credit Cardmembers will be eligible for their applicable free standard checked bag(s) 2 weeks after account opening.
9.Offer subject to change without notice. Other restrictions may apply.