Wondering What Are The Current Lounge Access Benefits For Primary And Secondary AMEX, Capital One, Chase, And Citi Cardholders? Here Is A Comparison Chart!

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There are many cards in the market that offer access to airport lounges, where you can relax and wait out a delay or connection much more comfortably than in the terminal. Airline operated lounges can also be a lifesaver when it comes to getting rebooked during irregular operations.

Some of the cards out there with lounge access include:

Here is a comparison chart of the access provided by those cards:

Credit CardAMEX Centurion LoungesEscape LoungesCapital One LoungePriority Pass Lounges, including Chase Sapphire Lounge, The Club, Airspace, Minute Suites, and morePlaza Premium Lounges, including select Virgin Atlantic Clubhouses, El Al Blush, and moreAirline operated lounges
AMEX Platinum

Annual fee: $695

Secondary annual fee: 3 cards for $175.
Primary and secondary cards: Free access with 2 guests.
Effective 2/1/23 guests cost $50 for adults and $30 for kids unless you spend $75K/year.
Primary and secondary cards: Free access with 2 guests.No accessPrimary and secondary cards: Free access with 2 guests. No restaurant or spa credit allowed.Primary and secondary cards: Free access with 2 guests.Primary and secondary cards: Free access to Delta lounges with no guests when flying Delta.
Bring up to 2 guests or immediate family for $39 each ($50 as of 2/2/23).
AMEX Business Platinum.

Annual fee: $695

Secondary annual fee: $350
Primary and secondary cards: Free access with 2 guests.
Effective 2/1/23 guests cost $50 for adults and $30 for kids unless you spend $75K/year.
Primary and secondary cards: Free access with 2 guests.No accessPrimary and secondary cards: Free access with 2 guests. No restaurant or spa credit allowed.Primary and secondary cards: Free access with 2 guests.Primary and secondary cards: Free access to Delta lounges with no guests when flying Delta.
Bring 2 guests or immediate family for $39 each ($50 as of 2/2/23).
Delta AMEX Reserve and Business Reserve

Annual fee: $550

Secondary annual fee: $175
Primary and secondary cards: Free access with no guests when flying Delta, bring up to 2 guests for $50 each.Primary and secondary cards: Free access with no guests when flying Delta, bring guests for $30 each.No accessNo accessNo accessPrimary and secondary cards: Free access to Delta lounges with no guests when flying Delta.
Bring up to 2 guests or immediate family for $39 each ($50 as of 2/2/23).
Access lounge when flying Delta partners for $39.
Primary cardholders get 2 free SkyClub passes annually.
Delta AMEX Platinum and Business Delta AMEX Platinum

Annual fee: $250

Secondary annual fee: $0
No accessNo accessNo accessNo accessNo accessPrimary and secondary cards: $39/person (up to 2 guests or immediate family) to access Delta lounges when flying Delta or Delta partner.
($50 as of 2/2/23).
Hilton AMEX Surpass and Hilton AMEX Business

Annual fee: $95

Secondary annual fee: $0
No accessNo accessNo accessPrimary: 10 free visits per year, including guests.

Secondary: No access.
No accessNo access
Hilton AMEX Aspire

Annual fee: $450

Secondary annual fee: $0
No accessNo accessNo accessPrimary: Free access with 2 guests. No restaurant or spa credit allowed.

Secondary: No access
No accessNo access
Marriott AMEX Brilliant

Annual fee: $650

Secondary annual fee: $0
No accessNo accessNo accessPrimary: Free access with 2 guests. No restaurant or spa credit allowed.

Secondary: No access
No accessNo access
Chase Sapphire Reserve

Annual fee: $550

Secondary annual fee: $75
No accessNo accessNo accessPrimary and secondary cards: Free access with 2 guests.
Restaurant and spa credit are allowed.
No accessNo access
Chase United Club or Business Club

Annual fee: $525/$450

Secondary annual fee: $0
No accessNo accessNo accessNo accessNo accessPrimary cards: Free access to United and United partner lounges when flying United or partner airlines for you and 2 guests or immediate family.
Secondary cards: No access.
JPMorgan Reserve

Annual fee: $550

Secondary annual fee: $75
No accessNo accessNo accessPrimary and secondary cards: Free access with 2 guests.
Restaurant and spa credit are allowed.
No accessPrimary cards: Free access to United and United partner lounges when flying United or partner airlines for you and 2 guests or immediate family.
Secondary cards: No access.
JPMorgan Ritz-Carlton

Annual fee: $450

Secondary annual fee: $0
No accessNo accessNo accessPrimary and secondary cards: Free access with unlimited guests.
Restaurant and spa credit are allowed.
No accessNo access
Citi AAdvantage Executive

Annual fee: $450

Secondary annual fee: $0
No accessNo accessNo accessNo accessNo accessPrimary cards: Free access to AA and AA partner lounges when flying AA or partner airlines for you and 2 guests or immediate family.
Secondary cards: Free access to AA lounges when flying AA for you and 2 guests or immediate family.
Citi Prestige

Annual fee: $495

Secondary annual fee: $75
No accessNo accessNo accessPrimary and secondary cards: Free access with 2 guests.
Restaurant and spa credit are allowed.
No accessNo access
Capital One Venture X

Annual fee: $395

Secondary annual fee: $0
No accessNo accessPrimary and secondary cards: Free access with 2 guests.Primary and secondary cards: Free access with unlimited guests.
Restaurant and spa credit are allowed only through 12/31/22.
Primary and secondary cards: Free access with 2 guests.No access
Capital One Venture or Spark Miles

Annual fee: $95

Secondary annual fee: $0
No accessNo accessPrimary: 2 free lounge visits per year, then $45 per person.
Secondary: $45 per person.
No accessPrimary: 2 free lounge visits per year, then $45 per person.
Secondary: $45 per person.
No access

Summary:

  • If you want Centurion Lounge and Escape Lounge access no matter what airline you fly, you’ll want an AMEX Platinum card.
  • If you want Priority Pass lounge access with restaurant/spa credit, you’ll want the Sapphire Reserve or JPMorgan Ritz Carlton card.
  • If you want a card with excellent overall lounge access rules for primary and free secondary cardholders, you’ll want Capital One Venture X.

Which of these cards do you have?

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14 Comments On "Wondering What Are The Current Lounge Access Benefits For Primary And Secondary AMEX, Capital One, Chase, And Citi Cardholders? Here Is A Comparison Chart!"

All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.

Lama Zeh tishal lishmi

Can you define on the guests, do infants and toddlers count towards the number of guests?

Ly

The platinum card has Lufthansa lounge access

Yitz

Great job! Now can we get a chart of all the current change and cancellation policies on paid / award tickets for major airlines? Please?:)

Ely

Venture x it’s very affordable with little obligations.

Anonymous

How do you gain entry into these lounges? Priority Pass has a membership, what about the others?
If you have Amex Platinum and Sapphire Reserve and 2 PP accounts, can you use the Reserve for credits and Platinum to enter lounge?

Thanks for this post, really helpful

Sam

Dan you write about lounge access with the venture X, but they announced their ending lounge access

C2CMom

You can still access lounges but you won’t get restaurant/spa credits any more.

Aaron

Stink s that the restaurant credit is ending 12/31/22 on the venture X 🙁

charly

what does spa/restaurant credit mean? thanks!

Chai

Thanks for this post, was waiting for such a detailed chart. I’m keeping getting confused by all the options I have.

S

Nice chart, but in general, everyone should keep in mind that lounges aren’t always all they’re chalked up to be. Very often airport doesn’t have one, or far-away terminal, or closed evenings, or waiting list and you can’t get in. I’ve flow about a dozen times in the past year and only once did I actually get into a lounge – and that took me pushing them to make an exception to let me skip the line to take a shower.

pagri

can you give your opinion on the admirals lounge is that credit card worth it

debstep

what’s El Al Blush??

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