Lounge access ranges from unlimited visits with guests to one or two passes a year, and the rules change often: guest fees, same-day flight requirements and visit caps have all tightened lately. Open a card’s page for the details of each lounge benefit, including guests and limits.
| Card | Annual fee | Lounge access |
|---|---|---|
| Business Platinum American Express | $895 | Centurion Lounge and Sidecar access Delta Sky Club access Priority Pass Select membership Escape Lounge access Plaza Premium Lounge access Other Global Lounge Collection partner lounges |
| Platinum American Express | $895 | Centurion Lounge access Delta Sky Club access Priority Pass Select Other Global Lounge Collection lounges |
| Platinum for Charles Schwab Charles Schwab · American Express | $895 | Centurion Lounge access Delta Sky Club access Priority Pass Select Other Global Lounge Collection lounges |
| Platinum for Morgan Stanley Morgan Stanley · American Express | $895 | Centurion Lounge access Delta Sky Club access Priority Pass Select Other Global Lounge Collection lounges |
| Sapphire Reserve Chase | $795 | Priority Pass Select Chase Sapphire Lounge by The Club Air Canada Maple Leaf Lounges and Cafés |
| Sapphire Reserve Business Chase | $795 | Priority Pass Select Chase Sapphire Lounge by The Club Air Canada Maple Leaf Lounges and Cafés |
| AAdvantage Executive American Airlines · Citi | $695 | Admirals Club membership |
| United Club United · Chase | $695 | United Club membership United Club one-time passes (All Access) |
| United Club Business United · Chase | $695 | United Club membership United Club one-time passes (All Access) |
| Delta SkyMiles Reserve Delta · American Express | $650 | Delta Sky Club access Delta Sky Club One-Time Guest Passes Centurion Lounge, Sidecar and Escape Lounge access |
| Delta SkyMiles Reserve Business Delta · American Express | $650 | Delta Sky Club access Centurion Lounge / Escape Lounge access Delta Sky Club one-time guest passes |
| Marriott Bonvoy Brilliant Marriott Bonvoy · American Express | $650 | Priority Pass Select |
| Strata Elite Citi | $595 | Priority Pass Select membership Admirals Club Citi Strata Elite Passes |
| Premium Rewards Elite Bank of America | $550 | Priority Pass Select (up to 4 memberships) |
| Emirates Skywards Premium World Elite Mastercard Emirates · Barclays | $499 | Priority Pass Select |
| JetBlue Premier JetBlue · Barclays | $499 | Priority Pass Select BlueHouse lounge access |
| Qatar Airways Visa Infinite Qatar Airways · Cardless | $499 | Lounge access via Gold status (first year) |
| Bilt Palladium Bilt · Cardless | $495 | Priority Pass membership |
| SKYPASS Select Visa Signature Korean Air · U.S. Bank | $450 | Korean Air Lounge vouchers Priority Pass visits |
| Atmos Rewards Summit Visa Infinite Atmos Rewards · Bank of America | $395 | Alaska Lounge passes |
| Venture X Capital One | $395 | Capital One Lounge access Priority Pass lounge membership |
| Venture X Business Capital One | $395 | Capital One Lounge access Priority Pass lounge membership |
| AAdvantage Globe American Airlines · Citi | $350 | Admirals Club Globe Passes |
| Avianca LifeMiles American Express Elite Avianca LifeMiles · Cardless | $249 | Avianca lounge passes |
| United Business United · Chase | $150 | United Club one-time passes |
| United Explorer United · Chase | $150 | United Club one-time passes |
| Avianca LifeMiles American Express Avianca LifeMiles · Cardless | $99 | Avianca lounge passes |
| LATAM Airlines World Elite Mastercard LATAM · Cardless | $99 | LATAM lounge passes |
| SKYPASS Visa Signature Korean Air · U.S. Bank | $99 | Korean Air Lounge vouchers |
| SKYPASS Visa Signature Business Korean Air · U.S. Bank | $99 | Korean Air Lounge vouchers |
| Turkish Airlines Miles&Smiles Premier Visa Signature Turkish Airlines · Imprint | $99 | Turkish Airlines lounge access |
| United United · First Hawaiian Bank | $99 | United Club one-time passes |
| United World Elite Business United · First Hawaiian Bank | $99 | United Club one-time passes |
| Lufthansa Miles & More World Elite Mastercard Lufthansa · Barclays | $89 | Lufthansa Business Lounge vouchers |
| TAP Miles&Go American Express TAP Air Portugal · Cardless | $79 | TAP Premium Lounge passes (Lisbon) |
| Altitude Connect Visa Signature U.S. Bank | None | Priority Pass Select (4 visits) SmartDelay lounge passes on delayed flights |
Worth it for you?
A lounge visit is worth what you’d otherwise spend on food and drinks at the airport, plus a quieter place to wait. If you fly a few times a year, a couple of passes may be all you need. If you fly every month, unlimited access can cover a big part of a premium card’s fee.
In Premium IC (free), you can count each lounge visit and set what it’s worth to you, and the app adds it to what the card has given back this year.
Benefits as described by each bank, last checked Oct 18, 2026. Lounge discounts and pay-per-visit memberships aren’t listed. Cards closed to new applicants aren’t listed.