{"data":[{"id":"amex-platinum","name":"The Platinum Card from American Express","issuer":"American Express","annualFee":895,"blurb":"The gold standard of lounge access — Centurion, Priority Pass, Escape, and more.","access":[{"network":"Amex Centurion","rule":"Unlimited access for cardholder + 2 guests (guests free; guests may cost $50 each if you spent under $75K in prior year). Starting July 8, 2026, guests must be on the same flight and access is capped at 5 hours before departure."},{"network":"Escape by Centurion","rule":"Unlimited access for cardholder + 2 guests."},{"network":"Delta Sky Club","rule":"10 visits per Medallion Year (Feb 1 – Jan 31) when flying same-day Delta; unlimited after $75K annual spend.","restricted":true},{"network":"Priority Pass","rule":"Unlimited visits for cardholder + 2 guests after enrollment. Restaurants, cafes, and markets excluded since July 1, 2024."},{"network":"Escape Lounges - The Centurion Studio Partner","rule":"Complimentary access for cardholder + 2 guests."},{"network":"Plaza Premium","rule":"Access via Priority Pass enrollment at participating locations."}]},{"id":"amex-business-platinum","name":"The Business Platinum Card from American Express","issuer":"American Express","annualFee":895,"blurb":"Business version of Platinum — identical lounge benefits.","access":[{"network":"Amex Centurion","rule":"Unlimited access for cardholder + 2 guests (guest fees apply under $75K annual spend)."},{"network":"Escape by Centurion","rule":"Unlimited access for cardholder + 2 guests."},{"network":"Delta Sky Club","rule":"10 visits per year when flying Delta; unlimited after $75K spend.","restricted":true},{"network":"Priority Pass","rule":"Unlimited visits + 2 guests after enrollment."},{"network":"Escape Lounges - The Centurion Studio Partner","rule":"Complimentary access for cardholder + 2 guests."}]},{"id":"amex-centurion","name":"Centurion Card from American Express (Black Card)","issuer":"American Express","annualFee":5000,"blurb":"Invite-only. Unlimited everything, always.","access":[{"network":"Amex Centurion","rule":"Unlimited — cardholder + 2 guests, no guest fees."},{"network":"Escape by Centurion","rule":"Unlimited — cardholder + 2 guests."},{"network":"Delta Sky Club","rule":"Access when flying same-day Delta; guest fee $50 each.","restricted":true},{"network":"Priority Pass","rule":"Unlimited Priority Pass Select after enrollment."},{"network":"Escape Lounges - The Centurion Studio Partner","rule":"Complimentary access."}]},{"id":"amex-business-centurion","name":"Business Centurion Card from American Express","issuer":"American Express","annualFee":10000,"blurb":"The business Black Card. Same lounge access as personal Centurion.","access":[{"network":"Amex Centurion","rule":"Unlimited — cardholder + 2 guests."},{"network":"Escape by Centurion","rule":"Unlimited."},{"network":"Delta Sky Club","rule":"Access when flying same-day Delta.","restricted":true},{"network":"Priority Pass","rule":"Unlimited after enrollment."},{"network":"Escape Lounges - The Centurion Studio Partner","rule":"Complimentary access."}]},{"id":"delta-reserve","name":"Delta SkyMiles Reserve American Express Card","issuer":"American Express","annualFee":650,"blurb":"Best Delta-specific card for Sky Club access.","access":[{"network":"Delta Sky Club","rule":"15 visits per Medallion Year when flying same-day Delta; unlimited after $75K annual spend.","restricted":true},{"network":"Amex Centurion","rule":"Access only when flying Delta same-day. Guest fees apply.","restricted":true}]},{"id":"delta-reserve-business","name":"Delta SkyMiles Reserve Business American Express Card","issuer":"American Express","annualFee":650,"blurb":"Business version of Delta Reserve — same lounge access.","access":[{"network":"Delta Sky Club","rule":"15 visits per year when flying Delta; unlimited after $75K spend.","restricted":true},{"network":"Amex Centurion","rule":"Access when flying Delta same-day.","restricted":true}]},{"id":"hilton-aspire","name":"Hilton Honors Aspire Card from American Express","issuer":"American Express","annualFee":550,"blurb":"Hotel card with Priority Pass thrown in.","access":[{"network":"Priority Pass","rule":"Priority Pass Select after enrollment. Cardholder + 2 guests."}]},{"id":"marriott-bonvoy-brilliant","name":"Marriott Bonvoy Brilliant American Express Card","issuer":"American Express","annualFee":650,"blurb":"Marriott's premium Amex — includes Priority Pass.","access":[{"network":"Priority Pass","rule":"Priority Pass Select after enrollment (restaurants/spa excluded)."}]},{"id":"morgan-stanley-platinum","name":"Morgan Stanley Platinum Card from American Express","issuer":"American Express","annualFee":695,"blurb":"Morgan Stanley client-only Platinum variant. Same lounge benefits.","access":[{"network":"Amex Centurion","rule":"Unlimited for cardholder + 2 guests."},{"network":"Escape by Centurion","rule":"Unlimited."},{"network":"Delta Sky Club","rule":"10 visits per year when flying Delta.","restricted":true},{"network":"Priority Pass","rule":"Unlimited after enrollment."}]},{"id":"schwab-platinum","name":"American Express Platinum Card for Schwab","issuer":"American Express","annualFee":695,"blurb":"Schwab-client Platinum variant. Same lounge access as regular Platinum.","access":[{"network":"Amex Centurion","rule":"Unlimited for cardholder + 2 guests."},{"network":"Escape by Centurion","rule":"Unlimited."},{"network":"Delta Sky Club","rule":"10 visits per year when flying Delta.","restricted":true},{"network":"Priority Pass","rule":"Unlimited after enrollment."}]},{"id":"csr","name":"Chase Sapphire Reserve","issuer":"Chase","annualFee":795,"blurb":"Chase's flagship — now with Sapphire Lounges and Priority Pass.","access":[{"network":"Chase Sapphire Lounge","rule":"Unlimited access for cardholder + 2 guests."},{"network":"Priority Pass","rule":"Priority Pass Select after enrollment — unlimited + 2 guests. Restaurants, cafes, and markets excluded since July 1, 2024."}]},{"id":"csr-business","name":"Chase Sapphire Reserve for Business","issuer":"Chase","annualFee":795,"blurb":"Business version of Sapphire Reserve — same premium lounge network.","access":[{"network":"Chase Sapphire Lounge","rule":"Unlimited access for cardholder + 2 guests."},{"network":"Priority Pass","rule":"Priority Pass Select — unlimited + 2 guests. Restaurants and cafes excluded since July 1, 2024."}]},{"id":"jp-morgan-reserve","name":"J.P. Morgan Reserve Card","issuer":"Chase","annualFee":795,"blurb":"Invite-only for JPM Private Bank clients. Same lounge perks as CSR.","access":[{"network":"Chase Sapphire Lounge","rule":"Unlimited access for cardholder + 2 guests."},{"network":"Priority Pass","rule":"Priority Pass Select after enrollment — unlimited + 2 guests. Restaurants and cafes excluded since July 1, 2024."}]},{"id":"united-club-infinite","name":"United Club Infinite Card","issuer":"Chase","annualFee":695,"blurb":"Unlimited United Club membership — cardholder plus 2 guests.","access":[{"network":"United Club","rule":"Unlimited access for cardholder + 2 guests (or immediate family) any time, not just when flying United."}]},{"id":"united-club-business","name":"United Club Business Card","issuer":"Chase","annualFee":695,"blurb":"Business version of United Club card — full United Club membership.","access":[{"network":"United Club","rule":"Unlimited access for cardholder + 2 guests."}]},{"id":"united-quest","name":"United Quest Card","issuer":"Chase","annualFee":350,"blurb":"Mid-tier United card. 2 one-time United Club passes per year.","access":[{"network":"United Club","rule":"2 single-visit United Club passes per year when flying United.","restricted":true}]},{"id":"united-explorer","name":"United Explorer Card","issuer":"Chase","annualFee":150,"blurb":"Entry-level United cobrand. Two United Club day passes per year.","access":[{"network":"United Club","rule":"2 one-time United Club passes per year when flying United.","restricted":true}]},{"id":"united-business","name":"United Business Card","issuer":"Chase","annualFee":150,"blurb":"Business version of Explorer. Two United Club passes annually.","access":[{"network":"United Club","rule":"2 United Club one-time passes per year.","restricted":true}]},{"id":"ritz-carlton","name":"The Ritz-Carlton Credit Card","issuer":"Chase","annualFee":450,"blurb":"Closed to new applicants but still held. Priority Pass + Airport Club Access credit.","access":[{"network":"Priority Pass","rule":"Priority Pass Select — unlimited + immediate family or up to 2 guests. Restaurants and cafes excluded since July 1, 2024."}]},{"id":"venture-x","name":"Capital One Venture X Rewards Credit Card","issuer":"Capital One","annualFee":395,"blurb":"The best lounge value per dollar — unlimited Capital One Lounges and Priority Pass.","access":[{"network":"Capital One Lounge","rule":"Unlimited for primary cardholder. Guests $45/adult, $25/child under 18 (as of Feb 1, 2026). Authorized users require $125/year each for lounge access. 2 free guests restored after $75K annual spend."},{"network":"Capital One Landing","rule":"Unlimited for primary cardholder. Guests $45 each. Authorized users $125/year. 1 free guest after $75K spend."},{"network":"Priority Pass","rule":"Unlimited Priority Pass Select for primary cardholder + 2 guests after enrollment."},{"network":"Plaza Premium","rule":"Access via Priority Pass enrollment at participating locations."}]},{"id":"venture-x-business","name":"Capital One Venture X Business","issuer":"Capital One","annualFee":395,"blurb":"Business version — identical lounge access.","access":[{"network":"Capital One Lounge","rule":"Unlimited for primary cardholder. Guests $45 each (as of Feb 1, 2026). Authorized users require $125/year each for lounge access."},{"network":"Capital One Landing","rule":"Unlimited for primary cardholder. Guests $45 each. Authorized users $125/year."},{"network":"Priority Pass","rule":"Unlimited Priority Pass Select + 2 guests after enrollment."}]},{"id":"venture","name":"Capital One Venture Rewards Credit Card","issuer":"Capital One","annualFee":95,"blurb":"No complimentary lounge access — discounted Capital One Lounge entry only.","access":[{"network":"Capital One Lounge","rule":"Discounted entry — $45 per person (not complimentary).","restricted":true},{"network":"Capital One Landing","rule":"Discounted entry — $45 per person.","restricted":true}]},{"id":"citi-strata-elite","name":"Citi Strata Elite Card","issuer":"Citi","annualFee":595,"blurb":"Citi's new premium card — 4 Admirals Club passes + Priority Pass.","access":[{"network":"Admirals Club","rule":"4 single-visit Admirals Club passes per year (for cardholder + adult companions).","restricted":true},{"network":"Priority Pass","rule":"Priority Pass Select — unlimited + 2 guests after enrollment."}]},{"id":"citi-aa-executive","name":"Citi / AAdvantage Executive World Elite Mastercard","issuer":"Citi","annualFee":595,"blurb":"The card for Admirals Club membership — primary cardholder gets full membership.","access":[{"network":"Admirals Club","rule":"Full Admirals Club membership for primary cardholder + up to 2 guests or immediate family when flying American or oneworld."}]},{"id":"citi-prestige","name":"Citi Prestige Card","issuer":"Citi","annualFee":495,"blurb":"Closed to new applicants, but legacy cardholders retain Priority Pass.","access":[{"network":"Priority Pass","rule":"Priority Pass Select — unlimited + 2 guests after enrollment (legacy benefit)."}]},{"id":"boa-premium-rewards-elite","name":"Bank of America Premium Rewards Elite","issuer":"Bank of America","annualFee":550,"blurb":"BofA's premium card. $150 annual airline incidental credit + Priority Pass.","access":[{"network":"Priority Pass","rule":"Priority Pass Select — unlimited + 2 guests after enrollment."}]},{"id":"aa-executive-biz","name":"AAdvantage Executive Business Mastercard","issuer":"Citi","annualFee":595,"blurb":"Business version of AA Executive — full Admirals Club membership.","access":[{"network":"Admirals Club","rule":"Admirals Club membership for primary cardholder + 2 guests or immediate family on eligible flights."}]},{"id":"us-bank-altitude-reserve","name":"U.S. Bank Altitude Reserve Visa Infinite","issuer":"U.S. Bank","annualFee":400,"blurb":"Invite-only in many markets. Priority Pass day passes — limited.","access":[{"network":"Priority Pass","rule":"8 single-visit Priority Pass passes per 12-month period (cardholder or guest). Not unlimited.","restricted":true}]},{"id":"us-bank-altitude-connect","name":"U.S. Bank Altitude Connect Visa Signature","issuer":"U.S. Bank","annualFee":0,"blurb":"No annual fee with a limited Priority Pass benefit — solid for infrequent lounge visitors.","access":[{"network":"Priority Pass","rule":"Priority Pass Select — 4 complimentary visits per 12-month membership year for cardholder + accompanying guests. Additional visits charged standard Priority Pass fee.","restricted":true}]},{"id":"us-bank-business-altitude-connect","name":"U.S. Bank Business Altitude Connect Visa Signature","issuer":"U.S. Bank","annualFee":95,"blurb":"$0 intro first year, then $95. Same limited Priority Pass benefit as the consumer version.","access":[{"network":"Priority Pass","rule":"Priority Pass Digital — 4 complimentary visits per membership year. Additional visits charged standard Priority Pass fee.","restricted":true}]},{"id":"wf-autograph-journey","name":"Wells Fargo Autograph Journey","issuer":"Wells Fargo","annualFee":95,"blurb":"No complimentary lounge access. Discount on select lounges only.","access":[]},{"id":"alaska-visa-signature","name":"Alaska Airlines Visa Signature Card","issuer":"Bank of America","annualFee":95,"blurb":"Alaska cobrand. Alaska Lounge access is NOT included (only on Lounge+ card).","access":[]},{"id":"alaska-lounge-plus","name":"Alaska Airlines Visa Signature Lounge+ Card","issuer":"Bank of America","annualFee":450,"blurb":"The Alaska cobrand that actually gets you into lounges.","access":[{"network":"Alaska Lounge","rule":"Unlimited Alaska Lounge+ membership — cardholder + 2 guests (or immediate family). Also includes partner lounges worldwide."}]},{"id":"hawaiian-world-elite","name":"Hawaiian Airlines World Elite Mastercard","issuer":"Barclays / Hawaiian","annualFee":99,"blurb":"Hawaiian cobrand. 2 Premier Club one-time passes per year.","access":[{"network":"Hawaiian Premier","rule":"2 one-time Premier Club lounge passes per year (HNL).","restricted":true}]},{"id":"hawaiian-world-elite-business","name":"Hawaiian Airlines Business Mastercard","issuer":"Barclays / Hawaiian","annualFee":99,"blurb":"Business version — 2 Premier Club passes per year.","access":[{"network":"Hawaiian Premier","rule":"2 one-time Premier Club lounge passes per year (HNL).","restricted":true}]},{"id":"aviator-red","name":"AAdvantage Aviator Red World Elite Mastercard","issuer":"Barclays","annualFee":99,"blurb":"Barclays AA cobrand. No complimentary lounge access.","access":[]},{"id":"aviator-silver","name":"AAdvantage Aviator Silver World Elite Mastercard","issuer":"Barclays","annualFee":199,"blurb":"Mid-tier Barclays AA cobrand. 2 Admirals Club one-day passes per year.","access":[{"network":"Admirals Club","rule":"2 one-day Admirals Club passes per year when flying American or oneworld.","restricted":true}]},{"id":"bilt-palladium","name":"Bilt Palladium Card","issuer":"Bilt (Cardless)","annualFee":495,"blurb":"Bilt’s first premium card (launched Feb 2026) — Priority Pass membership with 2 guests.","access":[{"network":"Priority Pass","rule":"Complimentary Priority Pass Select membership for cardholder + up to 2 guests after enrollment. Authorized users ($95/yr) also get their own membership."}]}],"count":38,"version":"1","updated_at":"2026-04-21"}