We may be about to find out.

Frontier Airlines has become one of the first U.S. airlines to take aim at the low-cost behemoth for its decision to begin charging customers to check bags.

‘The Day Southwest Died’: Reactions pour in about the carrier’s big changes

Frontier said it would offer customers a free checked bag in addition to complimentary access to its “Economy Bundle” – which includes one “personal item” as well as a carry-on bag, free seat assignments and no change fees. The offer applies to new bookings made within the next week for flights departing May 28 through Aug. 18.

Frontier did not mince words in its barely veiled swipe at Southwest.

“Some airlines have changed. They’ve raised fees, taken away perks, and made travel feel like a one-sided relationship,” Frontier said in a statement detailing the offer, which includes other fine print. “If your airline is treating you like an afterthought, maybe it’s time to file for divorce. Frontier is here for the rebound — offering a fresh start with an unbeatable deal.”

The move underscores the intense scrutiny hitting Southwest — once the unquestioned leader among U.S. airlines for customer-friendly policies — since it announced it would begin charging customers booked on most fare classes to check a bag. Southwest’s new policy takes effect for bookings made on or after May 28 — the same day that Frontier pegged its offer to.

Southwest bag fees: ‘Slaying of the sacred cow,’ says United CEO

“We’ve always had heart,” Frontier CEO Barry Biffle said in a statement, making an obvious reference to Southwest, which is headquartered next to Dallas Love Field (DAL) and flies planes with a heart-inspired livery and trades on Wall Street under the ticker “LUV.”

“Some airlines are walking away from what travelers love, but we’re running towards it,” Biffle continued. “Think of this as the ultimate ‘divorce your old airline’ deal.” What’s more, Biffle said in the statement, “If travelers show us the love, we’ll make these perks permanent.” He did not, however, elaborate on what threshold might prompt Frontier to make the change stick.

Frontier’s offer includes its own fine print, though. All bookings for nonstop travel starting today, March 18, through Aug. 18 will be eligible for the free “Economy Bundle” deal. However, these tickets must be purchased by 11:59 p.m. ET on Monday, March 24. What’s more, customers who would like a free checked bag must use the promo code “FREEBAG” when checking out, and that benefit is only available for travel from May 28 through Aug. 18.

That Frontier is able to take such an open swipe at Southwest, shows what a seismic shift the latter’s new bag fees represent.

Until recently, Frontier was synonymous with add-on fees and other unpopular customer service policies.

Stunning reversal: What we know about the shocking changes from Southwest — and what you should do now

But as budget airlines have struggled since the pandemic, Frontier and other carriers have looked to make changes to capitalize on an uptick in demand for premium service — increasingly favored even by leisure travelers who do not want to be nickel-and-dimed for every basic service.

To that end, Frontier has unveiled plans for first-class seating and other perks that used to be the domain of its full-service legacy rivals.

This current Frontier promotion takes aim at what was once a maverick upstart airline – Southwest – that built its reputation on treating customers better than its rivals.

Flipping that script on its head, Frontier’s Biffle issued a message that reads like vintage Southwest:

“At the end of the day, travelers just want to be valued. We’re bringing back the things people love about flying — free bags, free seat selection, and flexibility — without the extra fees. No games, just great value.”

Biffle might have said that no games are being played here … but it feels as though the games might just be beginning.

Related reading:

• Ultimate guide to Frontier Miles: How to earn and redeem miles, elite status and more
• Frontier Miles elite status: What it is and how to earn it
• Your complete guide to maximizing Southwest Rapid Rewards
• The best Southwest Airlines credit cards
• How to quickly earn the Southwest Companion Pass
• Southwest A-List status: What it is and how to earn it
• Maximize your airfare: The best credit cards for booking flights
• The best credit cards to reach elite status
• How to change or cancel a Southwest Airlines flight

South Korea’s flag carrier is also plotting a major upgrade for its two U.S. lounges.

Monday’s announcement marks the latest in a series of changes at the Seoul-based airline, which recently got the green light for its acquisition of fellow South Korean carrier Asiana Airlines and last week unveiled a new logo, livery and comprehensive update to its onboard service.

Adding premium economy

Later this year, Korean will begin updating nearly a dozen of is Boeing 777-300ER aircraft with its first premium economy accommodations.

As part of the cabin overhauls, Korean’s 777s will lose their first-class cabin in favor of the mid-tier seats.

Once complete, 11 of Korean’s 777s will sport a new three-cabin configuration featuring its Prestige business class, the inaugural premium economy cabin, and coach.

Following an industry trend

A move “in response to growing market demand,” Korean is largely following in the footsteps of other global airlines.

While some airlines, like Lufthansa and Japan Airlines have added new and swanky first-class accommodations, a wider range of carriers have ditched their most spacious seats in favor of slightly less luxurious — but still impressive – business class suites and pods, complemented by premium economy recliners in the middle of the plane.

Look no further than American Airlines’ plans to sunset its Flagship First cabins in 2025 in favor of a higher total number of Flagship Business suites — that is, whenever production finally finishes.

Read more: The best credit card welcome bonuses of March 2025

Korean itself debuted an all-new “2.0” version of its Prestige business class last year, featuring the privacy doors that have become a coveted premium-cabin amenity among airlines.

More broadly, premium economy has become a critical part of many airlines’ long-haul service over the past decade as a way to cater to travelers who don’t want to pay top dollar (or a sizable chunk of miles) for upscale, lie-flat seats, but want added comfort and improved dining.

The Asian market alone recently saw EVA Air, based in Taiwan, announce a total reboot for its premium economy — a cabin it once pioneered in late last century.

Retrofits for 11 Boeing 777s

Back to Korean: Its first retrofitted 777 sporting premium economy is expected to enter service during the second half of 2025, the airline said Monday. Retrofits on 10 additional 777s — the carrier has about three-dozen total — are expected to unfold over the next year and a half, or so, with cabin refits running through 2026.

It’s worth noting, the 777 is just of several widebody aircraft Korean flies, including on routes to and from the U.S. Its long-haul fleet includes the Boeing 747 and 787 Dreamliner, along with the Airbus A330, A350 and A380.

The carrier did not announce any refit plans for its other widebody jets Monday.

‘Complete redesign’ for Korean Air lounges

The airline did, however, reveal plans to a lounge refresh.

On top of expanding its outposts at its Incheon International Airport (ICN) home base in Seoul, Korean announced “complete redesigns” for its facilities at New York’s John F. Kennedy International Airport (JFK) and Los Angeles International Airport (JFK).

Those clubs will incorporate “city-themed atmospheres,” the carrier said.

Travelers hoping to book flights with Korean Air can use cash, or book a redemption using its Skypass loyalty program — or book a partner award flight through one of its SkyTeam alliance partners like Delta Air Lines, Air France or KLM.

Related reading:

• When is the best time to book flights for the cheapest airfare?
• The best airline credit cards
• What exactly are airline miles, anyway?
• 6 real-life strategies you can use when your flight is canceled or delayed
• Maximize your airfare: The best credit cards for booking flights
• The best credit cards to reach elite status
• What are points and miles worth? TPG’s monthly valuations

Delta Air Lines became the first U.S. airline to reach that threshold earlier in March when it marked its first 100 years. The Atlanta-based carrier took off as Huff Daland Dusters in March 1925.

“Since then, we’ve grown into an industry-leading premium brand and global airline that continues to thrive,” said Ed Bastian, CEO of Delta, on LinkedIn. “It’s all possible because of the incredible 100,000 people who make Delta the very best.”

That new-plane smell: On board the first Delta Air Lines jet sporting its all-new cabin look

One way that Delta is marking its anniversary is with a special Centennial livery to honor “a century of innovation, resilience and the people who built Delta into the airline it is today.”

The airline unveiled the new look on an Airbus A321neo at a gala Saturday; it features a majestic swoosh in tones of blue and silver.

The carrier said it would also add the commemorative paint scheme to one of its Airbus A350 wide-body jets later this spring.

The livery was designed by Delta employee Aaliyah McNeal.

In the decades after Delta was founded, it was one of the country’s “trunk carriers,” or airlines that flew major domestic routes, until the industry was deregulated in 1978. It became an international carrier in the decades that followed through organic growth and mergers; Delta merged with Western Airlines in 1987 and acquired Pan Am’s European assets in 1991. Delta became the global airline it is today following its merger with Northwest Airlines in 2009.

Today, Delta is the de facto premium U.S. airline — though United Airlines is doing its best to catch up — and a leader on many customer-focused initiatives. For example, in 2023, Delta was the first major airline to offer free inflight Wi-Fi.

Delta will not be the only U.S. airline to reach triple digits for long. Both American Airlines and United can trace their roots to 1926.

Related reading:

• Your complete guide to the Delta SkyMiles program
• Best Delta credit cards
• Delta Medallion status: What it is and how to earn it
• Maximize your airfare: The best credit cards for booking flights
• The best credit cards to reach elite status in 2025
• Delta basic economy: What you need to know about bags, seats, boarding and more

Regardless of which airline you fly, each one sets its own policies regarding checked baggage and carry-on luggage. Depending on the fare type, airlines generally permit travelers two carry-on items — one that fits underneath the seat in front of you, considered a personal item, and a second item that fits overhead. However, you must meet certain dimension thresholds, which vary by airline.

This guide outlines the current carry-on baggage policies for 10 major airlines, including restrictions on what constitutes a carry-on bag suitable for storage underneath the seat in front of you versus the overhead bin.

Domestic carry-on policies

A good rule of thumb is that if your carry-on bag fits under the seat in front of you, it’s considered a personal item. This includes small backpacks, purses, briefcases, laptop bags, etc. Larger bags, including suitcases, must fit in the overhead bin compartment, as determined by the dimensions outlined by airlines.

Southwest Airlines

Up until last week, Southwest stood out among carriers for allowing passengers two free carry-on bags and two free checked bags on all fare types. But as of May 28, most Southwest passengers will be required to pay to check bags.

However, the airline has not indicated that these changes will affect its carry-on baggage policy. As of March 13, carry-on items stored overhead must meet or be smaller than 24 by 16 by 10 inches. Personal items for under the seat — including purses, briefcases, cameras, food containers, laptops and backpacks — cannot be larger than 16 1/4 by 13 1/2 by 8 inches.

“Your personal item must be stored under the seat in front of you,” per Southwest. “If it doesn’t fit or if there’s no seat in front of you, we’ll ask you to place it in an overhead bin.”

Delta Air Lines

“Each passenger flying with Delta can bring 1 carry-on bag and 1 personal item free of charge (such as a purse, laptop bag or item of similar size that will fit underneath the seat in front of you),” according to Delta. “If you plan to bring roll-aboard luggage or a large bag to store in the overhead bin,” note the below size restrictions.

Approved personal items include a purse, briefcase, small backpack, camera bag, diaper bag, laptop bag or other similarly sized item.

The combined length, width and height of carry-on baggage should be less than 45 inches. Individual items must be less than 22 by 14 by 9 inches.

All Delta fare types, including basic economy, allow both a full-size carry-on item and a personal item.

American Airlines

Basic economy passengers on American Airlines are also allowed one full-size carry-on and one personal item, such as a purse or backpack.

“Your personal item, like a purse or small handbag, must fit under the seat in front of you,” American states on its website, noting that the dimensions must be under 18 by 14 by 8 inches.

Unlike some other carriers, American does not count certain items carried on for babies — such as diaper bags — as one of your carry-on items.

“Diaper bags (1 per child), soft-sided cooler bags with breast milk, child safety seats, strollers and medical or mobility devices don’t count as your personal item or carry-on,” they say.

American considers an overhead bin item to be a bag, meaning it must be less than 22 by 14 by 9 inches (including handles and wheels) and fit in the sizer at the gate.

United Airlines

United’s basic economy fare is among the most restricted fare types. For most flights, basic economy passengers can only travel with one personal item that fits under the seat and measures 9 by 10 by 17 inches. That means if you brought a backpack on board with this fare type, it would be your one and only item allowed.

For basic economy, “Carry-on bags are not included unless you’re flying to Canada, South America, across the Atlantic or on an international flight across the Pacific,” notes United.

If you need to bring a second bag for the overhead bin, you’ll have to pay $60 round-trip to upgrade to economy. In economy class and above, carry-on bags, including handles and wheels, cannot exceed 9 by 14 by 22 inches.

JetBlue

Travelers flying JetBlue’s Blue Basic are only granted one personal item that can fit underneath the seat in front of you — specifically, an item measuring less than 17 by 13 by 8 inches, handles and wheels included. Again, this would include backpacks or comparable items that must suffice as your only piece of luggage.

Any Blue Basic traveler who brings a full-size carry-on bag to the gate will incur a $65 fee to check their first or second bag or $180 for their third bag.

Blue fare types and above allow carry-on luggage that fits in the overhead bin, specifically bags not exceeding 22 by 14 by 9 inches.

There are a few exceptions to JetBlue’s carry-on policy to allow certain customers in Blue Basic to carry on a full-size bag, including for Mosaic status holders, unaccompanied minors, active U.S. military members and customers traveling to and from London.

International carry-on policies

British Airways

Like JetBlue and United, British Airways’ basic economy fare only permits travelers to bring hand luggage up to 16 by 12 by 6 inches. Economy and premium economy fares afford passengers one full-size cabin bag measuring 22 by 18 by 10 inches. All bags must weigh less than 51 pounds.

“On busy flights, you may be asked to check in your larger cabin bag,” British Airways advises.

Emirates

Although Emirates also restricts economy passengers when it comes to carry-on baggage, you can bring one full-size bag, including one that can fit in the overhead bin, as long as it does not exceed 22 by 15 by 8 inches or weigh more than 15 pounds.

“All carry-on baggage must fit either under the seat in front of you or in one of the overhead lockers,” per Emirates. “Baggage may not be placed behind your legs, in the aisles, or in front of emergency exits.”

Singapore Airlines

Like Emirates, Singapore Airlines allows premium- and economy-class passengers one piece of luggage on board, under 15 pounds, with a combined length, width and height of up to 45 inches. This could be a backpack or a more traditional piece of luggage.

“In addition to the limitations stated here, you must also be able to stow your baggage securely in the overhead compartment or under the seat in front of you,” the airline explains.

Cathay Pacific

Unlike the other international carriers mentioned, Cathay Pacific allows all customers one piece of carry-on luggage and one additional smaller item, including handbags, laptop bags, small backpacks, camera bags and briefcases, according to its website.

This policy applies to all fare types, starting with Economy Light. It allows for one full-size item measuring 14 by 9 by 22 inches and a personal item with dimensions not exceeding 16 by 16 by 12 inches, both of which must weigh less than 15 pounds.

Virgin Atlantic

All people flying in economy classes on Virgin, which includes Light, Classic and Delight, and those flying in premium cabins may bring one carry-on item that can fit in the overhead bin as long as it weighs less than 22 pounds.

If you want to carry on a second bag, you need to book an Upper Class fare, which entitles you to two bags under 35 pounds combined.

“Whichever cabin you’re in, the size of your bag needs to be a maximum of 23 cm by 36 cm by 56cm (that’s around 9 by 14 by  22 inches),” as noted by Virgin Atlantic.

Bottom line

Whether you are entitled to both a full-size carry-on item suitable for the overhead bin and a personal item, such as a backpack, depends on the airline and fare type booked. Certain elite status holders may be granted additional carry-on leniency regardless of cabin class.

Although most domestic airlines do not have weight restrictions for carry-on bags, some do for specific routes, and all of the international carriers specify a weight requirement.

Airlines generally do not consider certain items carried on as part of luggage, such as a jacket, umbrella or food bought at the airport.

Related reading:

• Airline baggage fees: How much it costs to check a bag on major US airlines
• United Airlines baggage fees and how to avoid paying them
• Delta baggage fees and how to avoid paying them
• American Airlines baggage fees and how to avoid paying them
• Frontier baggage fees and how to avoid paying them
• Alaska Airlines baggage fees and how to avoid paying them

It’s an exciting time to apply for an airline credit card. Not only are there more and better choices than ever, but applying for personal and business cards is easy and straightforward.

Two Delta cards that offer incredible value are the Delta SkyMiles® Reserve American Express Card and its business counterpart, the Delta SkyMiles® Reserve Business American Express Card.

Both of these premium cards have comprehensive perks packages, including lounge access (subject to limitations), solid earning rates and the ability to accrue Medallion Qualification Dollars (MQDs) toward elite status with Delta.

Here’s our guide on which card you should choose.

Delta SkyMiles Reserve vs. Delta SkyMiles Reserve Business comparison

*Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

**Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

***Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.

****Enrollment in the Hertz Gold Plus Rewards Program is required.

Delta SkyMiles Reserve vs. Delta SkyMiles Reserve Business welcome offer

New Delta Reserve cardmembers can earn 100,000 bonus miles after spending $6,000 on purchases in the first six months of cardmembership. This limited-time offer ends on April 2.

TPG’s March 2025 valuations put Delta SkyMiles at around 1.2 cents apiece, making this welcome offer worth $1,200 toward travel.

Meanwhile, new Delta Reserve Business cardmembers can earn 110,000 bonus miles after spending $12,000 in purchases in the first six months of card membership. This limited-time offer ends on April 2.

According to TPG’s valuations, this welcome offer is worth $1,320.

Winner: Delta Reserve. While the Delta Reserve Business offers 10,000 more miles with its welcome offer, it requires double the spending. You’ll get a greater return on your spending with the Delta Reserve’s welcome offer.

Related: Best Delta credit cards

Delta SkyMiles Reserve vs. Delta SkyMiles Reserve Business benefits

Because the cards are geared toward frequent and premium Delta flyers, you can expect both cards to offer members a comprehensive package of benefits when traveling with the airline.

The main benefit of the two cards is access to Delta Sky Clubs when traveling on same-day Delta-marketed or operated flights. Cardmembers of both the Reserve and Reserve Business are limited to 15 day visits to Delta Sky Club lounges.

Cardmembers also receive four one-time guest passes for the Delta Sky Club (when flying Delta). After cardmembers have used their complimentary visits, they’ll be able to access a Sky Club for $50 per visit. After the guest passes have been used, you’ll need to pay $50 per guest per visit.

Both the Delta Reserve and Reserve Business offer statement credits and complimentary Hertz President’s Circle status.

Both cards provide up to $240 in statement credits on eligible U.S. Resy purchases each calendar year (up to $20 monthly) and up to $120 in statement credits on select U.S. ride-hailing providers every calendar year (up to $10 monthly).

The cards differ in their Delta Stays statement credit. The Delta Reserve receives up to $200 per calendar year, whereas the Delta Reserve Business receives up to $250 per calendar year for Delta Stays bookings.

Enrollment is required for select benefits; terms apply.

Both cards also include a free checked bag and priority boarding, benefits that up to eight companions on the same reservation can also receive. Among the cards’ more interesting Delta-specific benefits is the opportunity for non-Medallion members to get complimentary upgrades.

Additionally, spending on the card will earn MQDs at a flat rate of 1 MQD per $10 spent, with no cap, and cardmembers receive 2,500 MQDs toward status qualification at the start of the Medallion Qualification Year. As a result, you can earn Medallion status via credit card spending without setting foot on a Delta plane:

• Silver Medallion: $50,000 in spending (5,000 MQDs)
• Gold Medallion: $100,000 in spending (10,000 MQDs)
• Platinum Medallion: $150,000 in spending (15,000 MQDs)
• Diamond Medallion: $280,000 in spending (28,000 MQDs)

Finally, the two cards offer one of the best airline credit card companion ticket benefits. Each cardmembership year, upon renewal, cardmembers receive a companion certificate good for one round-trip itinerary to the 50 U.S. states (including Hawaii and Alaska), Mexico, Central America and the Caribbean in first class, Comfort+ or Main Cabin.

You just have to pay taxes and fees on the second ticket, which is no more than $80 on round-trip domestic flights and no more than $250 on round-trip international flights. Both passengers are also eligible for Medallion upgrades, though only the primary passenger earns SkyMiles and credit toward elite status.

Aside from Delta-specific perks, the two cards also include a few other travel benefits. As with many premium travel cards, cardmembers can get a statement credit for either a Global Entry application ($120 once every four years) or TSA PreCheck application (up to $85 once every 4½ years).

Both cards waive foreign transaction fees and include a variety of shopping protections and travel protections. Enrollment is required for select benefits; terms apply.

Winner: Tie. With near-identical benefits, you can’t go wrong with either card.

Earning miles on the Delta SkyMiles Reserve vs. Delta SkyMiles Reserve Business

The Delta Reserve earns 3 miles per dollar on Delta purchases and 1 mile per dollar on all other purchases. Unfortunately, it doesn’t offer other bonus categories.

Still, if you’re a frequent Delta flyer and spend a lot on the airline — including tickets, upgrades and seat assignments — you could be raking in the miles.

On the other hand, the Delta Reserve Business features a potentially even more lucrative earning formula. Like the personal version, it accrues 3 miles per dollar on Delta purchases.

However, this card includes an extra bonus category. Cardmembers can receive 1.5 miles per dollar spent on eligible transit, U.S. shipping purchases and U.S. office supply stores. All other purchases will net 1 mile per dollar.

Winner: Delta SkyMiles Reserve Business. It has an additional bonus category compared to the consumer Delta Reserve.

Redeeming miles on the Delta SkyMiles Reserve vs. Delta SkyMiles Reserve Business

Both cards allow you to earn Delta miles through credit card spending, which are automatically deposited into your SkyMiles account.

You can redeem SkyMiles for Delta flights and flights on SkyTeam carriers and partner airlines. You can also redeem your miles for seat upgrades on eligible reservations.

Note that Delta uses a dynamic award pricing system, so prices vary by day, route and class of service.

However, as an eligible Delta cobranded cardmember, you’ll automatically receive a 15% discount on Delta-operated award tickets via the TakeOff 15 benefit. This applies to all Delta-operated flights booked with SkyMiles, though you must pay the taxes and fees on the ticket with your Delta credit card.

TPG senior editorial director Nick Ewen is a huge fan of the Delta Reserve card, which he uses for domestic flights for himself and his family:

“I get a 15% discount on Delta-operated award itineraries as a Reserve cardmember. We frequently visit New York, and we try to go skiing outside of Salt Lake City once a year. There are easy nonstop flights to these spots from our home in Florida, so the miles can help offset the costs of those trips.”

Winner: Tie. Both cards offer the same redemption options toward Delta flights and the discount benefit for being a cardmember.

Should I get the Delta SkyMiles Reserve or Delta SkyMiles Reserve Business?

The deciding factor is whether you are eligible for a business card. If you are, the business version offers a slightly better earnings structure, marginally better Delta Stays credit and does not apply toward Chase’s 5/24 rule. However, the personal version is still a great option if you don’t want or aren’t eligible for a business card.

Bottom line

The Delta Reserve American Express Card and the Delta Reserve Business American Express Card both carry high annual fees but offer a plethora of Delta-specific and general travel perks. There is a lot of overlap between their benefits, so your choice will come down to whether you want, need and/or are eligible for a business card.

Before applying, make sure you can meet the minimum spending requirements to earn the welcome offer and can use the perks enough to justify having the card.

To learn more, read our full reviews of the Delta Reserve and Delta Reserve Business.

Apply here: Delta Reserve

Apply here:  Delta Reserve Business

For rates and fees of the Delta Reserve Amex, click here.
For rates and fees of the Delta Reserve Business Amex, click here.

In our opinion, the Hilton Honors American Express Surpass® Card is well worth its $150 annual fee (see rates and fees) if you’re a Hilton loyalist, as it offers valuable earnings rates and automatic Hilton Gold elite status (terms apply).

Hilton Gold status includes complimentary breakfast, room upgrades and boosted earnings when staying at Hilton brands, making it one of the most valuable automatic status perks on any card.

Keep reading to discover why this card is worth the annual price tag.

Hilton Surpass welcome offer

New Hilton Surpass cardmembers can earn 130,000 bonus points plus a free night reward after spending $3,000 in purchases on the Hilton Honors American Express Surpass Card in the first six months of card membership.

The card’s current offer meets our criteria for a great time to apply, as those points are worth $780 plus the value of a free night reward according to our March 2025 valuations.

American Express lists the following terms for the welcome offer:

You may not be eligible to receive a welcome offer if you have or have had this Card, the Hilton Honors Amex Ascend Card or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

Before you submit your application, Amex will let you know whether you’re eligible for the bonus.

Related: A complete guide to Amex’s one-bonus-per-lifetime restrictions

Earn bonus points with Hilton

The Hilton Surpass card earns 12 points per dollar spent at Hilton hotels and resorts, 6 points per dollar spent on dining at U.S. restaurants (including takeout and delivery), U.S. supermarkets and U.S. gas stations, 4 points per dollar spent on U.S. online retail purchases and 3 points per dollar spent on all other eligible purchases.

The non-Hilton spending returns aren’t amazing, but you’ll still earn considerable value with just your Hilton spending — another reason to consider this card if you’re a Hilton loyalist.

It’s worth mentioning here that the Hilton Gold status that comes complimentary with the Hilton Surpass grants additional bonus points for every dollar spent with Hilton. By using your Hilton Surpass on eligible Hilton purchases, you’ll net 30 points per dollar.

Redemption options

The simplest way to maximize your Hilton Honors points is to redeem them for free nights. However, you should note Hilton’s dynamic pricing system, which can fluctuate based on the time of year and other factors.

Hilton’s Points Explorer page can help you determine how many points you’ll need for a free night across properties within the Hilton portfolio. You can always leverage your redemption with Hilton’s fifth-night free perk to maximize your use of points.

Hilton Honors also allows members to earn and redeem Hilton points with partners. However, most non-hotel redemption options provide relatively low value for your points, so you’ll likely want to steer clear of these options.

Related: The 21 best Hilton hotels in the world

Elite status

The Hilton Surpass offers complimentary Hilton Gold status, which includes the following perks (additional terms may apply):

• 80% points bonus on paid stays
• Space-available room upgrades up to executive-level rooms
• Elite rollover nights
• Fifth night free when you book a stay completely with points
• Daily breakfast or a food and beverage credit

Additionally, if you spend more than $40,000 on the card in a calendar year, you’ll earn Diamond status, Hilton’s top-tier offering, through the end of the next calendar year. Terms apply.

Cardmembers also receive complimentary National Car Rental Emerald Club Executive status after enrollment in the Emerald Club program. Terms apply. Benefits include increased access to cars, guaranteed upgrades and no second-driver fees.

If you don’t use National you can leverage the elite status to complete a status match to other car rental companies.

Related: Comparing the best hotel elite status tiers and how to earn them

Hilton statement credit

A valuable perk of the Hilton Surpass that helps to offset the annual fee is a statement credit toward eligible Hilton purchases. Cardmembers receive up to $50 in statement credits each quarter (up to $200 every calendar year) when using the card for Hilton purchases.

Enrollment is required; terms apply.

Eligible purchases for the statement credit are those charged directly with a Hilton portfolio property, including room rates and incidental charges such as room service, minibar consumption and laundry services.

Even if you don’t stay at a Hilton property every quarter, you may be able to maximize this credit by purchasing a Hilton gift card online, or visiting a Hilton property to have a meal or purchase something from the gift store.

Related: Battle of the mid-tier hotel cards

Free night reward

The Hilton Surpass offers a free night reward when you spend $15,000 on purchases on the card in a calendar year. It can be used at almost any Hilton property worldwide. Terms apply.

If you value that free night at, say, $300, that still makes for a 2% return on the $15,000 in spending.

Related: How to get maximum value from Hilton free night certificates

Other benefits

Finally, the Hilton Surpass includes no foreign transaction fees (see rates and fees) when traveling outside the U.S. and Amex’s “Send & Split” feature, which lets you divide bills like a group dinner with friends. Enrollment is required; terms apply for select benefits.

Additionally, the card comes with Amex’s “Plan It” perk, which makes it possible to pay large purchases over time, plus secondary rental car insurance of up to $50,000 for theft or damage.*

Enrollment is not required for the “Plan It” perk.

*Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc. 

Related: 5 reasons to get the Hilton Honors Amex Surpass card

Bottom line

The Hilton Surpass doesn’t have the flexibility or over-the-top perks of some other cards, but it could be just what you’re looking for if you’re a semi-frequent traveler who’s partial to Hilton.

Automatic Gold status, high points-earning opportunities and up to $200 in annual Hilton credits each calendar year make this card a great option for Hilton loyalists.

To learn more, read our full review of the Hilton Surpass.

Apply here: Hilton Honors American Express Surpass Card

For rates and fees of the Hilton Surpass Card, click here.

TPG got a first look.

New training facility in Atlanta

The Sodexo Live team hopes the new training center will help inspire and educate managers and front-line employees alike. What might that mean for consumers? Better service and a more premium experience at the company’s many lounges.

Sodexo Live expects the center to train 2,000 employees in the first year alone. Managers are then expected to train thousands more employees at lounges around the world. The new facility, just about a 15-minute drive from the bustling Atlanta airport, held a ribbon-cutting ceremony Thursday evening.

“This training center is the next phase of the Sodexo Live Academy, which continues to enrich the skillsets of the 40,000+ global team members who support the organization’s global portfolio,” per a Sodexo press release announcing the opening.

It’s all about team bonding and skills building, with the hopes of improving customer service and employee retention at the company’s work sites in airports (and other venues) worldwide.

The training center will offer five-day training sessions for managers, but eventually front-line employees will be able to visit the center for one to two days of in-person training.

“In order to elevate the overall business, we have to start with our leaders,” Arica Allen, a vice president of hospitality and innovation for Sodexo’s global aviation group, said. “This center is a testament to that.”

They are calling it an “aviation academy,” and it is set up with a classroom for teaching sessions.

The coolest feature, though, might be the realistic lounge the company has set up to train workers.

It includes a living room-type space with a massive interactive screen and a full bar with various seating areas.

In the next rooms, you’ll find a coffee bar set up along with a pretend buffet and dining areas.

My favorite feature was the busser robot that was buzzing around the party. I’m starting to see more and more of these robots at hotel restaurants and lounges around the world.

These facilities are designed to give workers real-world opportunities to practice various customer service scenarios.

There is also an attached culinary warehouse that services Atlanta’s eight Delta Sky Clubs. This is the first time Sodexo Live has had its own supply center. It previously relied on supplies purchased from outside vendors to restock the lounges at the nearby airport.

I asked Allen why the company invested so much in employee training and what it might mean for customers.

“It has to mean an elevated customer experience. It has to mean we’re not just in the service industry; we’re in the hospitality industry, which is very emotional,” she said. “It has to lead to an elevated experience for the guest.”

She explained that guests were no longer just looking for cheese cubes on a buffet — they want an elevated experience.

Sodexo Live is also investing in five new full-time training and development positions for its airport lounge portfolio. I look forward to seeing how these investments in training change the culture of Sodexo’s lounges around the world.

Related reading:

• The best credit cards for airport lounge access
• Everything you need to know about the Priority Pass program
• The do’s and don’ts of visiting an airport lounge
• Skip the lounge and get free food: Use your Priority Pass at 37 US airport restaurants
• 9 domestic lounges that are worth going out of your way for
• 10 credit cards that offer Priority Pass airport lounge access

The Wyndham Rewards Debit Card launched Monday, making Wyndham Rewards the first major loyalty program in the industry to offer debit in its suite of rewards cards.

Wyndham Rewards’ new debit card provides an option for those who want to earn points and receive benefits with the program but don’t want to add a hard pull to their credit report or a credit card to their wallet. You won’t need a credit score to obtain it.

However, it’s important to note that you’ll find higher earning rates and more perks within its suite of cobranded credit cards — the Wyndham Rewards Earner® Card, the Wyndham Rewards Earner® Plus Card and the Wyndham Rewards Earner® Business Card.

Charmaine Taylor, senior vice president of strategic and financial partnerships at Wyndham, said she expects the debit card to fit into the brand’s broader suite as the choice for anyone who wants to avoid debt, as well as certain millennial and Generation Z travelers.

“We see our debit card less as an entry point but more as a complementary addition to our larger card portfolio, signaling that now anyone and everyone can earn points,” Taylor said.

Here’s what to know about the new Wyndham Rewards Debit Card.

The information for the Wyndham Rewards Debit Card, the Wyndham Rewards Earner Card, the Wyndham Rewards Earner Plus Card and the Wyndham Rewards Earner Business Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Comparing the Wyndham Rewards Debit Card to Wyndham credit cards

Taylor said she sees the Wyndham Rewards Debit Card as a complement to the loyalty program’s three credit cards. She emphasized Wyndham’s philosophy of having “a product offering for everyone,” which includes debit and credit spenders alike.

Here’s a deeper comparison between the debit card and Wyndham’s more lucrative credit card offerings:

The Wyndham Rewards Debit Card was developed in collaboration with Galileo Financial Technologies, the technology platform of SoFi. The card is issued by Sunrise Banks and backed by the Mastercard payment network.

Because the card is backed by Mastercard, you won’t have to pay ATM fees when you use a Mastercard-backed ATM. (Find your nearest ATM here.)

Related: Which Wyndham Rewards credit card is right for you?

Who is the Wyndham Rewards Debit Card for?

Taylor said Wyndham Rewards is looking to tap into the market of frequent debit card users and young travel-minded people, two demographics she sees aligning. 

“Despite the size of this market, there are very few rewards programs that actually have a debit card as part of their portfolio,” Taylor said. “It’s a missed opportunity, particularly in travel and hospitality, because these debit card holders are overlooked for a traditional rewards program.”

Still, you’re going to receive much more value from a Wyndham credit card. Even the no-annual-fee Wyndham Earner Card comes with significantly higher points-earning rates than this debit card.

Difference between debit cards and secured credit cards

It’s important to know the Wyndham Rewards Debit Card does not work the same as a secured credit card.

A secured credit card is often a good option for those with poor or no credit to build a positive history and improve their credit score.

A debit card is independent of credit and instead pulls money from a checking account.

More cobranded debit cards to come?

While Wyndham is the first to add a debit card to its rewards ecosystem, Taylor said she expects other brands to weigh the benefits of expanding their portfolio.

“We have seized the opportunity within the travel and hospitality space, being the first here, because of the market and how we are seeing our travelers use and spend their time,” Taylor said. “I would not be surprised if we start to see some competitors — after our announcement — start to consider and go after this market as well.”

Related: Which credit card should you use for Wyndham stays?

Bottom line

The Wyndham Rewards Debit Card is a first-of-its-kind card offering from a major loyalty brand, giving cardholders the opportunity to earn points and perks within Wyndham Rewards while spending cash.

However, you’ll generally receive a much better return on your spending if you go ahead and opt for a credit card within the Wyndham Rewards program instead. Plus, as long as you use your card responsibly and abide by TPG’s 10 commandments of credit card rewards, you should be good to go with a credit card.

Related: Simple rules to stay out of credit card debt

Surprisingly, I pay an annual fee for one card that is not a credit card: FoundersCard.

It is a membership community offering discounts and benefits in many different lifestyle categories. This card has many benefits, discounts and amenities that make travel easier and enhance my lifestyle.

You can get these benefits without applying for a credit card, but is the card worth the membership fee? Let’s investigate.

The information for the FoundersCard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

What is FoundersCard?

FoundersCard is a membership program that offers elite status, travel discounts, complimentary subscriptions and special pricing with lifestyle brands. It is not a credit card, and you can’t make any purchases with it.

Despite the name, you don’t have to be a “founder” or entrepreneur to have this card; anyone is welcome to apply. The application process is short, and a decision is usually given within two days.

How much does a FoundersCard membership cost?

There are two membership tiers:

• Standard: $595 a year
• All Access Elite: $995 a year

You must also pay an additional $95 initiation fee.

Occasionally, discounted membership offers are available. I have seen the standard membership go for as low as $295 a year for life. In fact, I was able to secure that rate. Given that the card provides me with outsize value, I will continue to renew my membership each year.

Here are the differences between the two membership tiers:

The standard membership is more than adequate for my needs. All the benefits, credits and discounts I receive more than cover the annual membership fee.

It’s worth noting that many of the FoundersCard benefits overlap with benefits I receive from my The Business Platinum Card® from American Express, such as Hilton Honors Gold status (enrollment required, terms apply) and Hertz Five Star status*, but there are distinct benefits I use that are only available with FoundersCard.

*Enrollment in the Hertz Gold Plus Rewards Program is required; terms apply.

Benefits of FoundersCard

FoundersCard has over 500 benefits that are broken into categories such as travel, shopping subscriptions and business services. Membership gives you elite status and benefits similar to those offered by premium travel rewards credit cards without adding another credit card to your wallet. Some of these benefits include:

• Benefits for businesses: Save up to 35% on business services like Amazon Web Services, co-working spaces, Shopify, Square and UPS.
• Car discounts: Receive discounts for various car brands, such as BMW.
• Cellphone discounts: Save up to 15% on your AT&T bill.
• Hotel status and partner partnerships: Enjoy Hilton Honors Gold status and a status challenge for Marriott Bonvoy Platinum Elite status. Additionally, FoundersCard has hotel partnerships through which members receive special rates and other elitelike benefits. These luxury hotels are in cities like Los Angeles, Miami, New York and Tokyo and include Mandarin Oriental, Park Hyatt and The Ritz-Carlton.
• Rental car status and discounts: Receive Hertz Five Star status and discounts and status with Sixt and Avis.
• Shopping discounts: Save up to 30% at stores like Adidas, Mr. Porter and Reebok. The discount can be stacked and used with shopping portals, so you can earn points and miles and save money. I use the 30% discount at Adidas frequently to buy gym apparel.

Pairing FoundersCard with credit cards is where you can really get outstanding value.

Airline discounts

FoundersCard has multiple airfare discounts with many airlines around the world, including:

• Alaska Airlines: 5% off base fares
• British Airways: Up to 10% off most round-trip fares originating from the U.S. and Canada
• Delta Air Lines: 10% off
• Etihad Airways: Up to 10% off select fares
• Qantas: Up to 15% off Qantas fares between the U.S. and Australia or New Zealand (must purchase in the U.S.)
• Qatar Airways: Up to 10% off flights originating from the U.S.
• Singapore Airlines: Up to 15% off select flights originating from the U.S.
• United Airlines: Up to 16% off

You can book any cabin for these airlines and receive a discount.

United is my preferred airline to fly, and I hold United MileagePlus Premier Gold status with the carrier. Every time I have used this discount, it has given me exactly 16% off.

It’s important to note that with these discounts, you will still earn miles and spending qualifiers toward elite status with the airline. If you frequently fly one of these airlines and book expensive fares, you could easily save the cost of a FoundersCard membership with just one flight purchase.

You can further maximize the value of this discount by using a cobranded airline credit card to earn miles.

Caesars Diamond status

Caesars Diamond is a very valuable status to have if you frequently travel to Las Vegas or Atlantic City, New Jersey.

Some highlights of Caesars Diamond status include:

• Free or discounted hotel stays (this depends on how much you gamble, as Caesars will send you offers to entice you back to a property)
• Early check-in and late checkout
• No resort fees, saving you up to $45 plus tax per day
• Complimentary valet and self-service parking, saving you up to $50 plus tax per day
• Complimentary stay at Atlantis, Paradise Island in Nassau, Bahamas
• $100 celebration dinner, which is an annual dining credit that can be used at restaurants in Caesars properties

The biggest selling point of Caesars Diamond status is the complimentary stay at Atlantis, Paradise Island. The value of this alone covers the cost of the FoundersCard membership. You get four nights free and can buy additional nights at $100 per night.

However, you can’t use the free nights during March, April or July. This isn’t an issue for me, as I can use the perk during colder months to escape chilly Pacific Northwest winters.

Last year, I used the $100 celebration dinner credit at Mr. Chow’s in Caesars Palace; it was a very straightforward process, as the restaurant just took $100 off my total bill.

Related: 13 best hotels in Las Vegas for a Sin City getaway

Other useful benefits

• Dell business discount worth up to 40%: I stack this discount with the Amex Business Platinum card’s up to $400 annual Dell credit per calendar year (up to $200 semi-annually; this benefit ends June 30). Saving 40% allowed me to get an extra monitor last year with my annual credits. This helps offset the Amex Business Platinum’s $695 annual fee (see rates and fees). Enrollment is required and terms apply.
• Late checkout at IHG properties: This is useful to me, as I don’t frequently stay at IHG properties or hold an IHG credit card to have IHG One Rewards status, but when I do visit an IHG hotel, having a 2 p.m. late checkout time is an added perk.
• Sonesta Travel Pass Gold status: I have stayed at a few Sonesta hotels, but I don’t stay frequently, so having some extra perks for these one-off stays is an added benefit for me.
• Preferred pricing on Equinox: I used to be an Equinox member, and this preferred pricing saved me around $100 off my monthly membership. If you have The Platinum Card® from American Express, you could pair this discount with up to $300 annual Equinox statement credit you receive each calendar year (subject to auto-renewal). Enrollment is required and terms apply.
• Complimentary TripIt Pro membership: A very useful app for planning a trip and keeping your itinerary all in one place, this flight-tracking feature comes in handy for frequent flyers like me.

Downsides of FoundersCard

Despite FoundersCard having many great perks and benefits, there are some downsides, including:

• Full list of benefits isn’t viewable before membership: You have to sign up for membership and pay before you can get the full list of benefits and features, so it can be tough to determine how much value you will get from each benefit.
• Steep annual fee: The card has an annual fee similar to that of premium credit cards.
• Offers many benefits that credit cards offer: If you have premium travel cards like the Amex Platinum, you might notice that some of the benefits overlap. FoundersCard also is not a credit card, so you can’t make purchases or earn any miles, but you’ll still have to pay an annual fee.

FoundersCard is best paired with a travel rewards card to maximize its discounts while earning points and miles.

Bottom line

Many FoundersCard benefits can be accessed with premium cards like the Amex Platinum or the Chase Sapphire Reserve®. However, many of the program’s lifestyle and travel benefits provide outsize value worth the $295 I pay annually.

I believe this card is worth applying for if you can get a rate under the standard membership cost. You may also find great value in having the card if you run a business and can take advantage of the various business discounts and benefits.

Related: The best premium credit cards: A side-by-side comparison

For rates and fees of the Amex Business Platinum, click here.

If your travel plans include relaxing on European beaches this summer, be sure to pack appropriate cover-ups. 

Despite the European Travel Commission’s report of decreased travel demand to Europe this year, some local governments are implementing stricter regulations to address public indecency and drunkenness among tourists.

In 2024, a video of eight British men dancing naked in broad daylight in a bar in Albufeira, Portugal, went viral. The city’s mayor reacted with a new plan to introduce fines of up to 1,500 euros ($1,633) for going shirtless or wearing a bikini beyond the beach, according to the BBC.

Similar rules are in place in several other European beach destinations. Time Out reported that in Malaga, a city on Spain’s Costa del Sol, the local council recently updated existing rules. Visitors who go shirtless on streets and in public spaces can now be fined up to 750 euros ($816). Meanwhile, Barcelona and Mallorca can levy fines for those wearing swimsuits when not on the beach.

Sorrento, the gateway to Italy’s Amalfi Coast, made headlines in 2022 for banning swimsuits with fines of up to 500 euros ($544). According to The Local, the island of Lipari (in the Aeolian archipelago off the coast of Sicily) and Tropea (in Calabria) put similar bans on the books in 2013 and 2019, respectively.

Per Monaco Life, it’s forbidden to walk around city streets in a swimsuit in several towns on the French Riviera, including Nice, Menton, Cannes, St. Tropez and St. Raphael.

The same goes for Dubrovnik and Split in Croatia, according to The Dubrovnik Times.

Respecting local customs

A 500 euro ($543.80) fine may be extreme, but tourists should respect local customs while traveling — even in places without fines.

Though customs around dress and decorum are loosening in much of the Mediterranean, locals generally dress for the occasion. That means business casual attire at work, swimsuits at the beach and athletic clothes at the gym.

It’s rare to see locals in countries like Italy, Spain, France and Greece walking around city streets in athleisure wear or wearing swimsuits without some kind of cover-up. They certainly wouldn’t walk into a church without covering their shoulders.

Additionally, though upscale restaurants rarely enforce the elegant dress codes that were more common in the past, patrons are generally expected to dress well when dining at them.

Men may not need a jacket and tie, but they should avoid wearing shorts and flip-flops. Women don’t necessarily need to wear a dress and heels, but they should also leave the flip-flops and shorts at home. When in doubt, look around and see what the locals are wearing.

“Spain is very similar to Italy,” Lori Zaino, a Madrid-based freelance writer, said. She explained that while the culture has slightly changed over the past few years, you won’t see “gym clothes outside the gym, and the Spanish would never walk around in swimsuits or men, topless in the streets. If you see a flip-flop in Madrid, that’s an immediate sign of a tourist!”

“Fashion and image are important in places like Italy and Spain, and I think it seems disrespectful, culturally, to see people not following the unofficial (though now, in some cities, official!) dress codes,” Zaino added.

“I do think there is that sense of respect,” said Athens-based Andria Mitsakos, president and CEO of the namesake public relations agency and founder of Anthologist, an interior product line. She explained that when she goes to the beach in Greece, she always brings something to change into for lunch.

What to know before you go

So, if you’re planning to visit a European beach this summer, there are some things you should know.

You can seek out the free beaches and set up your towels and umbrella on the sand. Or, you can go to one of the many beach clubs (known in Greece as organized beaches and in Italy as “lido” or “stabilimenti balneari”).

Beach clubs generally charge a flat rate for the day (sometimes offering a discount if you come in the afternoon) or seasonal rates. You can specify if you want a sun bed, lounge chair or an umbrella, and the staff will assign you a spot.

Once you reach your spot, it’s safe to lay out your towel and disrobe. Some beach clubs — especially in Italy — have showers, changing rooms and public bathrooms where you can change into your swimsuit in a pinch. Don’t expect to find any facilities at the free beaches, though.

“You wear your swimsuit to the beach with a coverup or clothes on top, then strip down upon arrival,” Zaino said, explaining that there aren’t many changing facilities on the beaches in Spain.

“It’s sort of ironic that going topless on the beach for women is completely socially acceptable, but once you step foot off the sands, everyone is fully covered once again, and even men won’t walk around shirtless,” she added.

If you’re headed to especially popular beaches, it’s wise to call and book a spot at your preferred beach club in advance.

You should also book in advance to eat at the beach club’s restaurant. Some clubs are particularly renowned for their food, but even very basic ones usually serve simple sandwiches, espresso and ice cream.

In Italy, making or buying food and drinks elsewhere and bringing them to the beach is generally acceptable (and quite common). However, as The New York Times reported last year, many beach clubs have banned patrons from bringing their own food. In Greece, locals are more likely to bring iced coffee or a snack to the beach and then go out to lunch in the late afternoon, between 4 and 5 p.m.

“For me, the perfect Greek summer day is lunching until the moon rises. Every lunch turns into aperitivo, which turns into dinner,” Mitsakos said. “A Greek summer day should organically flow from one moment to the next.”

Just bring a beach bag with a change of clothes to prepare for whatever the day might bring.

Related reading:

• • EU postpones ETIAS ‘visa’ requirements until late 2026
  • 17 best all-inclusive resorts and hotels in Europe
  • The 7 most underrated European destinations for your summer trip
  • Go here, not there: Overlooked European islands you need to visit