Connecting Flight Questions / Who-What is correct?

If you don’t like traveling with a bunch of clothes and toothbrushes in your carry-on, use a credit card with baggage delay coverage. If the bag is delayed more than six hours, you get $200 to buy sheet.
I never heard of that.
We have 2 major credit cards.
We bought the plane tickets with Citibank Visa.
We also have Capital One Mastercard....but the airfare purchase was with Citibank Visa.