american express travel lounge access

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Amex Platinum Card

Which Airport Lounges Can I Access With the Amex Platinum & Business Platinum?

Christine Krzyszton

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Jessica Merritt

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Table of Contents

Card snapshots, the american express global lounge collection, the value of complimentary lounge access, the global lounge benefit details, final thoughts.

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The Platinum Card ® from American Express and The Business Platinum Card ® from American Express , loaded with luxury travel benefits and generous statement credits, are revered by many as perfect premium credit cards for the frequent traveler.

And while there are plenty of reasons to be a cardholder, there’s one outstanding benefit that warrants carrying the card in your wallet: the complimentary lounge membership opens the gates of airport lounge access to an unprecedented span of over 1,400 different lounge locations worldwide.

If you travel frequently, you already know the benefits of airport lounge membership. These quasi-sanctuaries have become places to anticipate a journey with friends, hold a meeting with co-workers, grab needed refreshments between flights, or serve as a convenient retreat during trip disruptions.

However, the normal cost of all this comfort and convenience doesn’t come cheap. It’s not unusual to spend $600 annually for a stand-alone airport lounge membership. If you’re a frequent traveler and lounge access is important to you, you will find extreme economic value in a travel rewards credit card that comes with complimentary lounge access.

And while the overall benefits of the Amex Platinum card and Amex Business Platinum card are many, the lounge benefits that come with the card are second to none. If you’re in the market for an Amex personal card or Amex business card, this article will cover which lounges you can access, the value of complimentary lounge access for every traveler, and an overview of network lounges and what to expect.

If the Amex Platinum card or Amex Business Platinum card is not already in your wallet, here’s a quick overview of the cards to see if they might be a good addition for you.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

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When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card ® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $189 CLEAR ® Plus Credit: CLEAR ® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck ® application fee for a 5-year plan only (through a TSA PreCheck ® official enrollment provider), when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.
• Terms Apply.
• APR: See Pay Over Time APR
• Foreign Transaction Fees:  None

American Express Membership Rewards

Hot Tip:  Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Amex Business Platinum Card

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

The Business Platinum Card ® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges , along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip:  Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

• 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
• Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
• Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
• High annual fee of $695 ( rates & fees )
• Airline fee credit does not cover airfare, only incidentals like checked bags
• Welcome Offer: Earn 150,000 Membership Rewards ® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards ® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card ® . Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card ® , here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $189 CLEAR ® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR ® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card ® .
• The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• APR: 19.49% - 28.49% Variable

Hot Tip:  Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

You don’t have to fly a specific airline or purchase a premium class of service to have worldwide lounge access. Your Amex Platinum card and Amex Business Platinum card come with complimentary lounge access to over 1,400 different lounge properties across 140 countries worldwide, including the vast network of Priority Pass lounges.

You’ll have access to any of the lounge networks within the American Express Global Lounge Collection:

Aspire Lounges

• Centurion Lounges (both in the U.S. and abroad )
• Delta Sky Club (when flying Delta same-day)

Escape Lounges – The Centurion Studio Partner

• Select Lufthansa Lounges (when flying Lufthansa same-day)
• Plaza Premium Lounges
• Priority Pass lounges (upon enrollment)
• Select Virgin Clubhouses

We’ll discuss the details of these lounge networks later in this article. First, let’s look at the potential value of the Amex Platinum card and the Amex Business Platinum card’s complimentary lounge access benefit.

Hot Tip: With over 1,400 lounges worldwide, the Amex Platinum card and Amex Business Platinum card offer the most comprehensive lounge access benefit of any travel credit card .  

The cost of purchasing an airport lounge membership is constantly increasing. It’s not unusual to see $600 annual membership fees for access to a single lounge network.

To understand the value of the complimentary lounge membership that comes with the Amex Platinum card and Amex Business Platinum card, let’s look at what membership would cost for a typical airport lounge network.

Yes, annual lounge membership can be expensive. However, with a yearly fee, is the complimentary lounge access that comes with the Amex Platinum card and Amex Business Platinum card worth it?

Let’s do the math.

Value for Family Lounge Access

As of February 1, 2023, complimentary guest access for Amex Platinum card and Amex Business Platinum cardholders is based upon calendar spending for Centurion Lounge access. The fee per guest will be $50 per adult or $30 per child between 2 to 17 years old. Complimentary guest access will be reinstated once you’ve spent $75,000 in eligible purchases in a calendar year.

If you frequently travel with a large family, it can be frustrating when lounge access is denied to more than 2 guests. Sure, you and your partner could each be primary cardholders with your own individual cards, but fortunately, that’s not necessary. For $195, you can add an authorized user to your Amex Platinum card ( rates & fees ). Each authorized user receives the same lounge benefits as the primary cardholder.

Remember that authorized users don’t have to be traveling with you to have lounge access. Plus, they can each bring 2 guests to most lounges.

Value for the Delta Air Lines Traveler

Without the Amex Platinum card or Amex Business Platinum card, a frequent Delta traveler would still need SkyMiles elite status to purchase a Sky Club membership to have lounge access.

A Delta Sky Club membership that allows 2 guests would cost $1,495 annually. A single membership is $695.

For just the annual fee, the Amex Platinum card or Amex Business Platinum card could secure access for an entire family to over 1,400 lounges worldwide, not just Delta-affiliated lounges.

Bottom Line: The Amex Platinum card and Amex Business Platinum card, with annual fees at the same cost as a single Sky Club membership, deliver far more value for the Delta traveler. Plus, you’ll receive all the cards’ additional benefits, including the initial welcome bonus offer, statement credits, hotel/rental car elite status , and access to more than Delta-affiliated lounges. 

Value for the Business Traveler

If you travel for business, chances are you greatly value lounge access. The expense can add up quickly if you pay for an annual lounge membership or purchase day passes.

The Amex Business Platinum card can give you unlimited access to over 1,400 lounges worldwide for less than the cost of purchasing just 2-day passes per month or a single annual lounge membership.

The additional benefits of the Amex Business Platinum card can also serve the business traveler well. Airline incident fee credit , Global Entry or TSA PreCheck fee credit, statement credits, elite status with car rental and hotel programs, and premium perks at Fine Hotels & Resorts  all provide value for the business traveler.

Bottom Line: The business traveler who purchases just 2 lounge day passes per month would receive far greater economic value, more benefits, and spend less by having the Amex Business Platinum card. 

Value for the Leisure Traveler

If you currently pay for lounge access, having the Amex Platinum card for complimentary lounge access as a leisure traveler makes sense. It also makes sense if you’d like to add the luxury of having airport lounge access to your travels.

If you travel just once a quarter and pay for 2 travelers to access a lounge, you could be spending $400 a year on lounge access. Having the Amex Platinum card will add unlimited worldwide lounge access to your travels for yourself, plus 2 guests at most lounges. You can visit for 15 minutes or 3 hours without considering whether it’s worth the $50 per day pass fee for each person.

Having complimentary access to various airport lounges during your travels may sound very appealing. However, it’s always good to dig deeper and learn more about the actual benefits you’ll be receiving.

For a credit card benefit to have value for you, you’ll need to be able to utilize that benefit.

Let’s take a look at the impressive collection of lounges and lounge alternatives in the American Express Global Lounge Collection that you’ll have complimentary access to with your Amex Platinum card and Amex Business Platinum card.

The Centurion Lounge Network

Membership to this elite network of luxury airport lounges is not for sale. You’ll need to have either the Amex Platinum card, Amex Business Platinum card, or the Centurion ® Card from American Express to gain access. In addition, you can access Centurion Lounges only within 3 hours of a departing flight or between connecting flights. 

Centurion Lounges, both in the U.S. and abroad , are the most incredible places to hang out if you’re a frequent traveler. Order from the menu, take a nap in the zen room, or relax with a premium cocktail during your visit.

You may even choose to get a manicure or massage if your schedule allows. Services and amenities vary by location, but it’s always an elevated experience.

Centurion Lounge Benefits

• High-speed internet
• Membership and itinerary assistance
• Premium alcoholic beverages
• Seasonally-inspired food
• TV, magazines, newspapers
• Workspaces, computer charging stations, copiers, and fax machine

Additional Amenities Available at Some Centurion Lounges

• Conference room
• Family room
• Luggage lockers
• Shower suites
• Spa services
• Wine tasting

As of February 1, 2023 , cardmembers with the Amex Platinum card and Amex Business Platinum card can no longer bring complimentary guests into the Centurion Lounge. The guest fee is $50 per adult and $30 per child (2 to 17 years old). 

However, cardholder accounts that spend $75,000 in eligible purchases in a calendar year will have the perk of complimentary access for 2 guests reinstated. Note that this spend requirement is across all cardholders (main Amex Platinum or Amex Business Platinum cardholder and associated authorized users).

Priority Pass Select

Priority Pass lounges seem to be available everywhere, and there’s a reason. There are more than 1,400 locations worldwide, so you’ll likely find one available during your travels.

You may also use your Priority Pass Select membership to take a nap at Minute Suites. You’ll receive the first hour free.

You must register for Priority Pass once you receive your Amex Platinum card or Amex Business Platinum card welcome package in the mail. Log in to your online account, sign up under the Benefits tab, or call the number on the back of your card.

We’ve put together an extensive guide to Priority Pass with a list of benefits, plus lounge, restaurant, and Minute Suite locations in the U.S. Note that Priority Pass memberships from U.S.-issued American Express cards, including the Amex Platinum card and Amex Business Platinum card, no longer include Priority Pass restaurant access (“non-lounge airport experiences”).

Delta Sky Club

Cardholders traveling the same day on Delta have unlimited access to over 50 Delta Sky Clubs .

Just show your boarding pass, ID, and Amex Platinum card or Amex Business Platinum card for entry.

While guests are not included in complimentary access, the cardholder may purchase discounted access for up to 2 guests for a fee.

Lufthansa Lounges

Cardholders receive complimentary access to Lufthansa business class lounges when flying same-day on a Lufthansa Group flight (Lufthansa, SWISS, Austrian Airlines). If the cardholder is flying business class, they’ll also have access to the Lufthansa Senator Lounges. Centurion cardmembers have access to Lufthansa First Class, Senator, and Business lounges regardless of ticket class.

Guests may be granted access for a fee.

Virgin Clubhouses

Cardholders are eligible to visit Virgin Clubhouses in Boston (BOS), New York (JFK), San Francisco (SFO), Washington, D.C. (IAD), and Johannesburg (JNB) in South Africa.

Plaza Premium Lounge

Based in Hong Kong, Plaza Premium Lounge has a vast network of airport lounges available to the Amex Platinum card or Amex Business Platinum cardholder.

You’ll find 120+ lounges worldwide in the Plaza Premium Lounge network.

With 10+ locations throughout the U.S., Escape Lounges – The Centurion Studio Partner offers a place to enjoy a premium beverage, have a bite to eat, catch up on work, or relax between flights.

Cardholders may bring 2 additional guests at no charge .

The Aspire Lounges (formerly Airspace Lounge) in the U.S. are located at the San Diego (SAN) and Ontario (ONT) airports and offer complimentary access for cardholders. You’ll also find Aspire Lounges at a handful of airports worldwide . Enjoy complimentary refreshments, a business area, Wi-Fi, a conference room (SAN), and showers (SAN), and 2 guests are permitted at no additional charge .

If you currently pay for an annual airport lounge membership, you’ll be thrilled with the value you receive from the Amex Platinum card and Amex Business Platinum card .

For less than the price of just a couple of day passes per month, you can enjoy unlimited worldwide lounge access with the card. You’ll also enjoy the long list of other premium travel benefits that come with the card. Check out a fantastic welcome offer and apply for Amex Platinum card benefits here.

If you’ve been without lounge membership and have considered adding lounge access to your travels, you won’t find a more cost-effective route to unlimited worldwide lounge access for you and your guests

The information regarding the Centurion ® Card from American Express was independently collected by Upgraded Points and was not provided nor reviewed by the issuer. 

For rates and fees of The Platinum Card ® from American Express, click here . For rates and fees of The Business Platinum Card ® from American Express, click here .

Frequently Asked Questions

Is the amex platinum card annual fee worth it.

If you’re paying for lounge access currently and you’re a frequent traveler, the value of complimentary lounge access alone more than offsets the annual fee.

If you can use the additional benefits of airline fee credits, Uber credits, Global Entry fee credits, hotel/car rental elite status, and other card benefits, you’ll receive value far beyond the cost of having the card.

If you’re not a frequent traveler or cannot fully utilize the benefits offered by the card, it would not be worth it.

Which airports have Centurion Lounges?

There are more than 40 Centurion Lounges worldwide. View our guides to the U.S. and international locations .

Can I access the lounge without my Amex card?

To access any lounge in the network, except a Priority Pass lounge, you’ll need to show your Amex Platinum card or Amex Business Platinum card, a same-day boarding pass on any airline, and a government-issued ID that matches the name on your card.

To access a Priority Pass lounge, you’ll need to present your Priority Pass Select membership card, a same-day boarding pass on any airline, and a government-issued ID.

Can I bring my pet into the Centurion Lounge?

Service animals are welcome in Centurion Lounges.

There are special terms and conditions that must be followed to ensure the safety and comfort of other guests, but service animals are allowed in the lounges.

Which airports have Priority Pass lounges?

Since Priority Pass has over 1,300 locations worldwide, it’s not possible to list them all here.

Our guide lists all the domestic Priority Pass locations and contains a link to a worldwide Priority Pass directory.

Do I have to pay for my guests at the Centurion Lounge?

Amex Platinum card and Amex Business Platinum cardmembers may enter with up to 2 complimentary guests if they have spent $75,000 in eligible purchases in a calendar year. Otherwise, a guest day pass can be purchased for $50 per adult or $30 per child between the ages of 2 and 17.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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American Express Global Lounge Collection® Programs & Partners: Canada

You deserve choices. With the American Express Global Lounge Collection® and your Platinum Card, we give you plenty, including access to 1,400 airport lounges in over 500 airports around the world. Whether you’re looking for a place to rest and recharge or somewhere to catch up on work, enjoy our growing network of lounges across 140 countries and counting.

Find out more

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The centurion® lounge.

With your Platinum Card, you and two guests can enjoy complimentary access to The Centurion Lounge. To access the lounge, simply present your Platinum Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and a government-issued I.D. *Effective March 22nd, 2019*: (1) The Centurion Lounge is a day of departure lounge. We will not admit arriving Cardmembers with boarding passes for flights that have just landed. We will admit Cardmembers with layovers or connecting flights who produce proof of connecting flight. (2) We will not admit Cardmembers more than 3 hours before the departure time on the Cardmember’s same-day, confirmed boarding pass. This does not apply to Cardmembers with a connecting flight. (3) We will admit children under 2 years of age free of charge, provided an accompanying parent or guardian is able to produce a “lap infant” boarding pass or proof of age.

Escape Lounges – The Centurion® Studio Partner

With your Platinum Card, you and up to two travel companions can enjoy complimentary access to the Escape Lounge. To access the lounge, simply present your Platinum Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and a government-issued I.D.

Delta SkyClub

To access the lounge, simply present your Platinum Card, a same-day Delta flight boarding pass and a government-issued I.D. Additional guest access and fees subject to terms and conditions of participating airport clubs.

Plaza Premium Lounges

With your Platinum Card, you and one travel companion can enjoy complimentary access to the Plaza Premium lounges. To access the lounge, simply present your Platinum Card, a confirmed boarding pass for same-day travel and government-issued photo I.D.

Executive Lounges™ by Swissport

With your Platinum Card, you and your spouse and two children under 21 or one travel companion can enjoy complimentary access to the Executive Lounges by Swissport. To access the lounge, simply present your Platinum Card, a confirmed boarding pass for same-day travel and government-issued photo I.D.

Priority Pass

To access a lounge, the Platinum Cardmember must show a valid Priority Pass membership card (or digital membership card), along with a boarding pass for travel on the same day and government-issued I.D. If you’re travelling with a guest, he or she may accompany you as a complimentary guest. Platinum Cardmembers will be charged the prevailing retail rate for any additional guests (Lounge access for Business Platinum Cardmembers varies based on when you acquired your Card and if you opted-in to the enhanced Priority Pass benefit. Please see applicable Terms and Conditions for details).

Additional Global Lounge Collection Partner Lounges

To enter, show your valid Platinum Card, government issued I.D. and same day boarding pass.

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The Platinum Card® Platinum Cardmembers have complimentary access to all locations of The Centurion Lounge. Supplementary Gold Cards on Platinum accounts are not eligible for complimentary access. Cardmembers may bring up to two (2) companions into The Centurion Lounge. Children under 2 years of age are not considered companions and will be admitted free of charge, provided an accompanying parent or guardian is able to produce a “lap infant” boarding pass or proof of age. To access The Centurion Lounge, the Platinum Cardmember must present The Centurion Lounge agent with the following upon each visit: his or her valid Platinum Card or valid Supplementary Platinum Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. Platinum Cardmembers will only be granted access to the lounge within 3 hours of boarding pass departure time. This does not apply to Cardmembers with a same-day connecting flight who can access the lounge any time prior to departure of their connecting flight with proof of boarding pass. Platinum Cardmembers will not be granted access to the lounge with a boarding pass for a flight that has landed as the final destination. Platinum Cardmembers will not be compensated for changes in locations, rates or policies. The Platinum Cardmember must be at least 18 years of age to enter without a parent or legal guardian. For locations with a self-service bar, the Platinum Cardmember must be of legal drinking age in the location’s jurisdiction to enter without a parent or legal guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent, or if you have engaged in abuse, misuse, or gaming in connection with lounge access in any way or that you intend to do so, we may no longer permit you to access The Centurion Lounge. Business Platinum Card® Business Platinum Cardmembers have complimentary access to all locations of The Centurion Lounge. Supplementary Gold Cards on Business Platinum accounts are not eligible for complimentary access. Cardmembers may bring up to two (2) companions into The Centurion Lounge. Children under 2 years of age are not considered companions and will be admitted free of charge, provided an accompanying parent or guardian is able to produce a “lap infant” boarding pass or proof of age. To access The Centurion Lounge, the Business Platinum Cardmember must present The Centurion Lounge agent with the following upon each visit: his or her valid Business Platinum Card or valid Supplementary Platinum Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. Business Platinum Cardmembers will only be granted access to the lounge within 3 hours of boarding pass departure time. This does not apply to Cardmembers with a same-day connecting flight who can access the lounge any time prior to departure of their connecting flight with proof of boarding pass. Business Platinum Cardmembers will not be granted access to the lounge with a boarding pass for a flight that has landed as the final destination. Business Platinum Cardmembers will not be compensated for changes in locations, rates or policies. The Business Platinum Cardmember must be at least 18 years of age to enter without a parent or legal guardian. For locations with a self-service bar, the Business Platinum Cardmember must be of legal drinking age in the location’s jurisdiction to enter without a parent or legal guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent, or if you have engaged in abuse, misuse, or gaming in connection with lounge access in any way or that you intend to do so, we may no longer permit you to access The Centurion Lounge. Corporate Platinum Card® The Centurion® Lounge – Corporate Platinum Cardmembers have complimentary access to all locations of The Centurion Lounge. Corporate Gold and Corporate Green Cards are not eligible for complimentary access. Cardmembers may bring up to two (2) companions into The Centurion Lounge. Children under 2 years of age are not considered companions and will be admitted free of charge, provided an accompanying parent or guardian is able to produce a “lap infant” boarding pass or proof of age. To access The Centurion Lounge, the Corporate Platinum Cardmember must present The Centurion Lounge agent with the following upon each visit: his or her valid Corporate Platinum Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. Corporate Platinum Cardmembers will only be granted access to the lounge within 3 hours of boarding pass departure time. This does not apply to Cardmembers with a same-day connecting flight who can access the lounge any time prior to departure of their connecting flight with proof of boarding pass. Corporate Platinum Cardmembers will not be granted access to the lounge with a boarding pass for a flight that has landed as the final destination. Corporate Platinum Cardmembers will not be compensated for changes in locations, rates or policies. The Corporate Platinum Cardmember must be at least 18 years of age to enter without a parent or legal guardian. For locations with a self-service bar, the Corporate Platinum Cardmember must be of legal drinking age in the location’s jurisdiction to enter without a parent or legal guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. Services and amenities in the Lounge are complimentary, however you are responsible for any purchases and/or servicing charges you authorize our Member Services Professionals to perform on your behalf. Some American Express Cards are not eligible for all services provided by Member Services Desk. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside The Centurion Lounge. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice.

The Platinum Card® Escape Lounges - This benefit is available to Platinum Cardmembers. Supplementary Gold Cards on Platinum accounts are not eligible for complimentary access. Cardmembers receive complimentary access to any US location of the Escape Lounges. Cardmember must present his or her valid Platinum Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. Cardmember must be at least 18 years of age to enter without a parent or legal guardian. For locations with a self-service bar, the Platinum Cardmember must be of legal drinking age in the location’s jurisdiction to enter without a parent or legal guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. Cardmembers may bring either (i) up to two guests or (ii) immediate family members, which are spouse or domestic partner and all children under the age of 18, as complimentary guests. Cardmember must adhere to all house rules of participating lounges. Cardmembers and his or her guests will receive all of the complimentary benefits and amenities afforded to the Escape Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Escape Lounge locations are subject to change. Business Platinum Card® Escape Lounges - This benefit is available to Business Platinum Cardmembers. Supplementary Gold Cards on Business Platinum accounts are not eligible for complimentary access. Cardmembers receive complimentary access to any US location of the Escape Lounges. Cardmember must present his or her valid Business Platinum Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. Cardmember must be at least 18 years of age to enter without a parent or legal guardian. For locations with a self-service bar, the Business Platinum Cardmember must be of legal drinking age in the location’s jurisdiction to enter without a parent or legal guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. Cardmembers may bring either (i) up to two guests or (ii) immediate family members, which are spouse or domestic partner and all children under the age of 18, as complimentary guests. Cardmember must adhere to all house rules of participating lounges. Cardmembers and his or her guests will receive all of the complimentary benefits and amenities afforded to the Escape Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Escape Lounge locations are subject to change. Corporate Platinum Card® Escape Lounges - This benefit is available to Corporate Platinum Cardmembers. Cardmembers receive complimentary access to any US location of the Escape Lounges. Cardmember must present his or her valid Corporate Platinum Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. Cardmember must be at least 18 years of age to enter without a parent or legal guardian. For locations with a self-service bar, the Corporate Platinum Cardmember must be of legal drinking age in the location’s jurisdiction to enter without a parent or legal guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. Cardmembers may bring either (i) up to two guests or (ii) immediate family members, which are spouse or domestic partner and all children under the age of 18, as complimentary guests. Cardmember must adhere to all house rules of participating lounges. Cardmembers and his or her guests will receive all of the complimentary benefits and amenities afforded to the Escape Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Escape Lounge locations are subject to change.

The Platinum Card® The Platinum Card® Cardmember must present their valid Platinum Card, government-issued I.D. and boarding pass to the Delta Sky Club ambassador. Boarding pass must show a reservation for a same-day Delta-operated flight departing from or arriving at the airport in which the Delta Sky Club is located. Platinum Cardmembers traveling on a same-day Delta-operated flight with Basic Economy (E) fare tickets will not have access to the Delta Sky Club or to Grab and Go. Name on boarding pass must match name on the Card. Eligible Cardmembers on departing flights can only access the Delta Sky Club within 3 hours of their flight’s scheduled departure time. During a layover between Delta-marketed or Delta-operated flights on the same ticket, you may use the Delta Sky Club in your connecting airport at any time during the layover. Round-trip same-day travel is not considered a layover. Delta reserves the right to limit access for non-revenue standby fliers at any Delta Sky Club. Supplementary Gold and Supplementary Green Cardmembers on Business Platinum Card accounts, and Supplementary Gold Cardmembers on Consumer Platinum Card accounts, are not eligible for complimentary access through The Global Lounge Collection benefit. Access to Delta Sky Club partner lounges is not permitted. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who has access to the lounge. Cardmembers must adhere to all House Rules of participating clubs. Participating airport clubs and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating airport clubs. Guests must also provide the club ambassador with a same-day corresponding Delta airline ticket before entering the lounge. For the most current Delta Sky Club access and pricing policy, please visit Delta.com/skyclubaccess . All Delta Sky Club rules apply to Delta Sky Club membership and use. To review the rules, please visit delta.com/skyclub . For a complete listing of lounge locations, visit americanexpress.ca/platinum-lounge . Benefit and rules subject to change without notice. Business Platinum Card® Delta Sky Club® - The Cardmember must present their valid Business Platinum Card, government-issued I.D. and boarding pass to the Delta Sky Club ambassador. Boarding pass must show a reservation for a same-day Delta-operated flight departing from or arriving at the airport in which the Delta Sky Club is located. Business Platinum Cardmembers traveling on a same-day Delta-operated flight with Basic Economy (E) fare tickets will not have access to the Delta Sky Club or to Grab and Go. Name on boarding pass must match name on the Card. Eligible Platinum Cardmembers on departing flights can only access the Delta Sky Club within 3 hours of their flight’s scheduled departure time. During a connection between Delta- operated flights on the same ticket, eligible Cardmembers may use the Delta Sky Club in their connecting airport at any time during the layover. Round-trip same-day travel is not considered a layover. Delta reserves the right to limit access for non-revenue flyers at any Delta Sky Club. Supplementary Gold Cardmembers on Business Platinum Card accounts, and Supplementary Gold Cardmembers on Consumer Platinum Card accounts, are not eligible for The Global Lounge Collection benefit. Access to Delta Sky Club partner lounges is not permitted. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who has access to the lounge. Eligible Cardmembers must adhere to all Delta Sky Club House Rules while accessing participating airport clubs. Participating airport clubs and locations subject to change without notice. Eligible Cardmembers may bring up to two guests or their immediate family (spouse/domestic partner and children under 21 years of age) into the Delta Sky Club subject to the most current Delta Sky Club access and pricing policies, and must use their valid Card as the payment method for guest access. Guests must also provide the club ambassador with a same-day corresponding Delta airline ticket before entering the lounge. For the most current Delta Sky Club access and pricing policy, please visit Delta.com/skyclubaccess. All Delta Sky Club rules apply to Delta Sky Club membership and use. Additional restrictions may apply. To review the rules, please visit delta.com/skyclub For a complete listing of lounge locations, visit americanexpress.ca/platinum-lounge. Benefit and rules subject to change without notice. Corporate Platinum Card® Delta Sky Club® - The Cardmember must present their valid Corporate Platinum Card, government-issued I.D. and boarding pass to the Delta Sky Club ambassador. Boarding pass must show a reservation for a same-day Delta-operated flight departing from or arriving at the airport in which the Delta Sky Club is located. Corporate Platinum Cardmembers traveling on a same-day Delta-operated flight with Basic Economy (E) fare tickets will not have access to the Delta Sky Club or to Grab and Go. Name on boarding pass must match name on the Card. Eligible Platinum Cardmembers on departing flights can only access the Delta Sky Club within 3 hours of their flight’s scheduled departure time. During a connection between Delta- operated flights on the same ticket, eligible Cardmembers may use the Delta Sky Club in their connecting airport at any time during the layover. Round-trip same-day travel is not considered a layover. Delta reserves the right to limit access for non-revenue flyers at any Delta Sky Club. Supplementary Gold Cardmembers on Business Platinum Card accounts, and Supplementary Gold Cardmembers on Consumer Platinum Card accounts, are not eligible for The Global Lounge Collection benefit. Access to Delta Sky Club partner lounges is not permitted. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who has access to the lounge. Eligible Cardmembers must adhere to all Delta Sky Club House Rules while accessing participating airport clubs. Participating airport clubs and locations subject to change without notice. Eligible Cardmembers may bring up to two guests or their immediate family (spouse/domestic partner and children under 21 years of age) into the Delta Sky Club subject to the most current Delta Sky Club access and pricing policies, and must use their valid Card as the payment method for guest access. Guests must also provide the club ambassador with a same-day corresponding Delta airline ticket before entering the lounge. For the most current Delta Sky Club access and pricing policy, please visit Delta.com/skyclubaccess All Delta Sky Club rules apply to Delta Sky Club membership and use. Additional restrictions may apply.To review the rules, please visit delta.com/skyclub For a complete listing of lounge locations, visit americanexpress.ca/platinum-lounge. Benefit and rules subject to change without notice.

The Platinum Card® Plaza Premium Lounges - Platinum Cardmembers have complimentary access to Plaza Premium Lounges. Supplementary Gold Cards on Platinum accounts are not eligible for complimentary access. Basic Platinum Cardmembers may each bring in one (1) travel companion as a complimentary guest. Fees apply for additional guests. Guest must accompany the Platinum Cardmember. To access a lounge, Platinum Cardmember and eligible guest(s) must show a valid, unexpired eligible Platinum Card, confirmed boarding pass for same-day travel and government-issued photo identification in the name of the Platinum Cardmember/guest(s). International Plaza Premium Lounges, maximum of 2-hour stay. House rules, terms and conditions apply. Lounge access is subject to availability. Unless otherwise stated, lounge access cannot be used in conjunction with any other offer or benefit and is subject to change or cancellation at any time. Lounge locations may change from time to time. Business Platinum Card® Plaza Premium Lounges - Business Platinum Cardmembers have complimentary access to Plaza Premium Lounges. Supplementary Gold Cards on Business Platinum accounts are not eligible for complimentary access. Business Platinum Cardmembers may bring in one (1) travel companion as a complimentary guest. Fees apply for additional guests. Guest must accompany the Business Platinum Cardmember. To access a lounge, Business Platinum Cardmember and eligible guest(s) must show a valid, unexpired eligible Business Platinum Card, confirmed boarding pass for same-day travel and government-issued photo identification in the name of the Business Platinum Cardmember/guest(s). International Plaza Premium Lounges, maximum of 2-hour stay. House rules, terms and conditions apply. Lounge access is subject to availability. Unless otherwise stated, lounge access cannot be used in conjunction with any other offer or benefit and is subject to change or cancellation at any time. Lounge locations may change from time to time. Corporate Platinum Card® Plaza Premium Lounges - Corporate Platinum Cardmembers have complimentary access to Plaza Premium Lounges. Corporate Platinum Cardmembers may bring in one (1) travel companion as a complimentary guest. Fees apply for additional guests. Guest must accompany the Corporate Platinum Cardmember. To access a lounge, Corporate Platinum Cardmember and eligible guest(s) must show a valid, unexpired eligible Corporate Platinum Card, confirmed boarding pass for same-day travel and government-issued photo identification in the name of the Corporate Platinum Cardmember/guest(s). International Plaza Premium Lounges, maximum of 2-hour stay. House rules, terms and conditions apply. Lounge access is subject to availability. Unless otherwise stated, lounge access cannot be used in conjunction with any other offer or benefit and is subject to change or cancellation at any time. Lounge locations may change from time to time.

The Platinum Card® Executive Lounges™ by Swissport - Platinum Cardmembers have complimentary access to Executive Lounges by Swissport in Canada. Supplementary Gold Cards on Platinum accounts are not eligible for complimentary access. Platinum Cardmember’s spouse and 2 children under the age of 21, or one travel companion, may enter as complimentary guests. Fees apply for additional guests. Guest must accompany the Platinum Cardmember. To access a lounge, Platinum Cardmember and eligible guest(s) must show a valid, unexpired eligible Platinum Card, confirmed boarding pass for same-day travel and government-issued photo identification in the name of the Platinum Cardmember/guest(s). House rules, terms and conditions apply. Lounge access is subject to availability. Unless otherwise stated, lounge access cannot be used in conjunction with any other offer or benefit and is subject to change or cancellation at any time. Lounge locations may change from time to time. Business Platinum Card® Executive Lounges™ by Swissport - Business Platinum Cardmembers have complimentary access to Executive Lounges by Swissport in Canada. Supplementary Gold Cards on Business Platinum accounts are not eligible for complimentary access. Business Platinum Cardmember’s spouse and 2 children under the age of 21, or one travel companion, may enter as complimentary guests. Fees apply for additional guests. Guest must accompany the Business Platinum Cardmember. To access a lounge, Business Platinum Cardmember and eligible guest(s) must show a valid, unexpired eligible Business Platinum Card, confirmed boarding pass for same-day travel and government-issued photo identification in the name of the Business Platinum Cardmember/guest(s). House rules, terms and conditions apply. Lounge access is subject to availability. Unless otherwise stated, lounge access cannot be used in conjunction with any other offer or benefit and is subject to change or cancellation at any time. Lounge locations may change from time to time. Corporate Platinum Card® Executive Lounges™ by Swissport - Corporate Platinum Cardmembers have complimentary access to Executive Lounges by Swissport in Canada. Corporate Platinum Cardmember’s spouse and 2 children under the age of 21, or one travel companion, may enter as complimentary guests. Fees apply for additional guests. Guest must accompany the Corporate Platinum Cardmember. To access a lounge, Corporate Platinum Cardmember and eligible guest(s) must show a valid, unexpired eligible Corporate Platinum Card, confirmed boarding pass for same-day travel and government-issued photo identification in the name of the Corporate Platinum Cardmember/guest(s). House rules, terms and conditions apply. Lounge access is subject to availability. Unless otherwise stated, lounge access cannot be used in conjunction with any other offer or benefit and is subject to change or cancellation at any time. Lounge locations may change from time to time.

The Platinum Card® Priority Pass™ - These Terms and Conditions govern Platinum Card participation in and use of the Priority Pass program. Priority Pass is an independent airport lounge access program. Basic Platinum Cardmembers may each bring in one (1) travel companion as a complimentary guest. Platinum Cardmembers will be charged for any additional guests. Additional accompanying guests are subject to a usage fee at the prevailing rate, which is subject to change without prior notice. Some lounges do not admit guests. By enroling in Priority Pass, you agree that you will be responsible for any additional accompanying guest visits and that your Platinum Card will be automatically charged after you have signed for the additional guest visit and it has been reported to Priority Pass by the participating lounge. Additionally, American Express will verify your Card account number and provide updated Card account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass program. Once your enrolment has been processed, Priority Pass will send you a welcome package, Priority Pass card and a list of participating lounges. For details on how Priority Pass uses your personal information, please refer to their privacy policy at prioritypass.com . Once enrolled, Platinum members whose Card account is not cancelled may access participating Priority Pass lounges by presenting their Priority Pass card and airline boarding pass for same-day travel, or by scanning their Priority Pass membership using the Priority Pass mobile app (as applicable). In some lounges, Priority Pass member must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package and can be viewed at prioritypass.com . Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package which you should receive within 10–14 business days. If you have not received the Priority Pass card after 14 business days, please contact Platinum Card Service using the number on the back of your Platinum Card. Please note, Supplementary Gold Cardmembers are not eligible for membership. Priority Pass non-lounge airport experiences such as airport dining credits are only offered in a few select locations. Select locations are subject to change. For a complete listing of Priority Pass lounge and non-lounge airport experience locations, visit americanexpress.ca/platinum-lounge. Business Platinum Card® For Cardmembers acquired on or after February 15, 2018 or have opted-in to the enhanced Priority Pass benefit: Priority Pass™ - These Terms and Conditions govern Business Platinum Card participation in and use of the Priority Pass program. Priority Pass is an independent airport lounge access program. At any visit to a Priority Pass lounge that admits guests, you may bring in one (1) guest for no charge. Business Platinum Cardmembers will be charged for any additional guests. Additional accompanying guests are subject to a usage fee at the prevailing rate, which is subject to change without prior notice. Some lounges do not admit guests. By enroling in Priority Pass, you agree that you will be responsible for any additional accompanying guest visits and that your Business Platinum Card will be automatically charged after you have signed for the additional guest visit and it has been reported to Priority Pass by the participating lounge. Additionally, American Express will verify your Card account number and provide updated Card account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass program. Once your enrolment has been processed, Priority Pass will send you a welcome package, Priority Pass card and a list of participating lounges. For details on how Priority Pass uses your personal information, please refer to their privacy policy at prioritypass.com. Once enroled, Business Platinum Cardmembers whose Card account is not cancelled may access participating Priority Pass lounges by presenting their Priority Pass card and airline boarding pass for same-day travel. In some lounges, Priority Pass member must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package, and can be viewed at prioritypass.com . Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package which you should receive within 10-14 business days. If you have not received the Priority Pass card after 14 business days, please contact Small Business Services using the number on the back of your Business Platinum Card. Please note, Supplementary Gold Cardmembers are not eligible for membership. Priority Pass non-lounge airport experiences such as airport dining credits are only offered in a few select locations. Select locations are subject to change. For a complete listing of Priority Pass lounge and non-lounge airport experience locations, visit americanexpress.ca/business-platinum-lounge. For Cardmembers acquired prior to February 15, 2018 and have not opted-in to the enhanced Priority Pass benefit: Priority Pass™ - These Terms and Conditions govern Business Platinum Card participation in and use of the Priority Pass program. Priority Pass is an independent airport lounge access program. For Cardmembers who enroled in Priority Pass after February 15, 2018, at any visit to a Priority Pass lounge that admits guests, you may bring in one (1) guest for no charge. Business Platinum Cardmembers will be charged for any additional guests. Additional accompanying guests are subject to a usage fee at the prevailing rate, which is subject to change without prior notice. Some lounges do not admit guests. Cardmembers who enroled in Priority Pass prior to February 15, 2018 will have a complimentary Priority Pass membership, but all lounge visits are subject to the prevailing rate. The fee applies to the Cardmember and each of his/her guests. As of February 15, 2018, all Cardmembers are eligible to opt-in to complimentary Priority Pass membership with complimentary lounge access for themselves and one guest, regardless of when the Cardmember originally enroled in Priority Pass. To opt-in, please call Small Business Services at 1-888-721-1044. By enroling in Priority Pass, you agree that you will be responsible for any additional accompanying guest visits and that your Business Platinum Card will be automatically charged after you have signed for the additional guest visit and it has been reported to Priority Pass by the participating lounge. Additionally, American Express will verify your Card account number and provide updated Card account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass program. Once your enrolment has been processed, Priority Pass will send you a welcome package, Priority Pass card and a list of participating lounges. For details on how Priority Pass uses your personal information, please refer to their privacy policy at prioritypass.com . Once enrolled, Business Platinum members whose Card account is not cancelled may access participating Priority Pass lounges by presenting their Priority Pass card and airline boarding pass for same-day travel, or by scanning their Priority Pass membership using the Priority Pass mobile app (as applicable). In some lounges, Priority Pass member must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package, and can be viewed at prioritypass.com . Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package which you should receive within 10-14 business days. If you have not received the Priority Pass card after 14 business days, please contact Small Business Services using the number on the back of your Business Platinum Card. Please note, Supplementary Gold Cardmembers are not eligible for membership. Priority Pass non-lounge airport experiences such as airport dining credits are only offered in a few select locations. Select locations are subject to change. For a complete listing of Priority Pass lounge and non-lounge airport experience locations, visit americanexpress.ca/business-platinum-lounge. Corporate Platinum Card® Priority Pass™ - These Terms and Conditions govern Corporate Platinum Card participation in and use of the Priority Pass program. Priority Pass is an independent airport lounge access program. At any visit to a Priority Pass lounge that admits guests, you may bring in one (1) guest for no charge. Corporate Platinum Cardmembers will be charged for any additional guests. Additional accompanying guests are subject to a usage fee at the prevailing rate, which is subject to change without prior notice. Some lounges do not admit guests. To enrol, Corporate Platinum Cardmembers must complete the Priority Pass application form provided in their Corporate Platinum Card welcome package or mailed separately to them upon request. By enroling in Priority Pass, you agree that you will be responsible for any additional accompanying guest visits and that your Corporate Platinum Card will be automatically charged after you have signed for the additional guest visit and it has been reported to Priority Pass by the participating lounge. Additionally, American Express will verify your Card account number and provide updated Card account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass program. Once your enrolment has been processed, Priority Pass will send you a welcome package, Priority Pass card and a list of participating lounges. For details on how Priority Pass uses your personal information, please refer to their privacy policy at prioritypass.com. Once enrolled, Corporate Platinum members whose Card account is not cancelled may access participating Priority Pass lounges by presenting their Priority Pass card and airline boarding pass for same-day travel, or by scanning their Priority Pass membership using the Priority Pass mobile app (as applicable). In some lounges, Priority Pass member must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package, and can be viewed at prioritypass.com. Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package which you should receive within10-14 business days. If you have not received the Priority Pass card after 14 business days, please contact Corporate Cardmember Services using the number on the back of your Corporate Platinum Card. Please note, Corporate Gold and Corporate Green Cards are not eligible for membership. Priority Pass non-lounge airport experiences such as airport dining credits are only offered in a few select locations. Select locations are subject to change. For a complete listing of Priority Pass lounge and non-lounge airport experience locations, visit americanexpress.ca/corporate-platinum-lounge.

The Platinum Card® American Express offers access to additional lounges in the Global Lounge Collection where Platinum Cardmembers have unlimited complimentary access to participating locations. Cardmembers must present their valid Platinum Card, a government-issued I.D., and a boarding pass showing a confirmed reservation for same-day travel on any carrier. Guest access and associated fees are subject to the terms and conditions of the participating lounge provider. Participation, locations, rates, and policies of lounges are subject to change without notice, and Cardmembers and their guests will not be compensated for such changes. Access is subject to space availability, including capacity restrictions and limited hours that may be placed on the participating lounge. Amenities, services, and hours may vary by participating lounge and are subject to change without notice. American Express will not be liable for any articles lost or stolen, or damages suffered by the Cardmember or guests inside the participating lounge. For participating lounges with a self-service bar, the Cardmember may be required to be of legal drinking age in the participating lounge jurisdiction to enter without a parent or legal guardian. All Cardmembers and their guests must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. Each participating lounge may have their own policy allowing for children under a certain age to enter for free with the Cardmember who is a parent or legal guardian. Cardmember must adhere to all house rules of participating lounges. Participating lounges reserve the right to remove any person from the premises for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive, or violent or if you have engaged in abuse, misuse, or gaming in connection with lounge access in any way or that you intend to do so, we may remove access to the Additional Lounges from the Account. American Express and the participating lounge reserve the right to revise the rules at any time without notice. Business Platinum Card® American Express offers access to additional lounges in the Global Lounge Collection where Business Platinum Cardmembers have unlimited complimentary access to participating locations. Business Platinum Cardmembers must present their valid Business Platinum Card, a government-issued I.D., and a boarding pass showing a confirmed reservation for same-day travel on any carrier. Guest access and associated fees are subject to the terms and conditions of the participating lounge provider. Participation, locations, rates, and policies of lounges are subject to change without notice, and Business Platinum Cardmembers and their guests will not be compensated for such changes. Access is subject to space availability, including capacity restrictions and limited hours that may be placed on the participating lounge. Amenities, services, and hours may vary by participating lounge and are subject to change without notice. American Express will not be liable for any articles lost or stolen, or damages suffered by the Business Platinum Cardmember or guests inside the participating lounge. For participating lounges with a self-service bar, the Business Platinum Cardmember may be required to be of legal drinking age in the participating lounge jurisdiction to enter without a parent or legal guardian. All Business Platinum Cardmembers and their guests must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. Each participating lounge may have their own policy allowing for children under a certain age to enter for free with the Business Platinum Cardmember who is a parent or legal guardian. The Business Platinum Cardmember must adhere to all house rules of participating lounges. Participating lounges reserve the right to remove any person from the premises for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive, or violent. If American Express, in our sole discretion, determines that the Business Platinum Cardmember or their guests have engaged in abuse, misuse, or gaming in connection with access to participating lounges in any way, or that the Business Platinum Cardmember or their guests intend to do so we may remove access to the Additional Lounges from the Account. American Express and the participating lounge reserve the right to revise the rules at any time without notice. Corporate Platinum Card® American Express offers access to additional lounges in the Global Lounge Collection where Corporate Platinum Cardmembers have unlimited complimentary access to participating locations. Corporate Platinum Cardmembers must present their valid Corporate Platinum Card, a government-issued I.D., and a boarding pass showing a confirmed reservation for same-day travel on any carrier. Guest access and associated fees are subject to the terms and conditions of the participating lounge provider. Participation, locations, rates, and policies of lounges are subject to change without notice, and Corporate Platinum Cardmembers and their guests will not be compensated for such changes. Access is subject to space availability, including capacity restrictions and limited hours that may be placed on the participating lounge. Amenities, services, and hours may vary by participating lounge and are subject to change without notice. American Express will not be liable for any articles lost or stolen, or damages suffered by the Corporate Platinum Cardmember or guests inside the participating lounge. For participating lounges with a self-service bar, the Corporate Platinum Cardmember may be required to be of legal drinking age in the participating lounge jurisdiction to enter without a parent or legal guardian. All Corporate Platinum Cardmembers and their guests must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. Each participating lounge may have their own policy allowing for children under a certain age to enter for free with the Corporate Platinum Cardmember who is a parent or legal guardian. The Corporate Platinum Cardmember must adhere to all house rules of participating lounges. Participating lounges reserve the right to remove any person from the premises for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive, or violent. If American Express, in our sole discretion, determines that the Corporate Platinum Cardmember or their guests have engaged in abuse, misuse, or gaming in connection with access to participating lounges in any way, or that the Corporate Platinum Cardmember or their guests intend to do so, we may remove access to the Additional Lounges from the Account. American Express and the participating lounge reserve the right to revise the rules at any time without notice.

How to choose a credit card for airport lounge access

Update : Some offers mentioned below are no longer available. View the current offers here .

This post has been updated with information that the Chase Sapphire Reserve will lose Priority Pass restaurant access from July 1, 2024.

When people find out my job is to write about travel credit cards, they usually ask for expert advice. They want to know which of our favorite credit cards I recommend, which cards will complement their existing portfolio and whether their current everyday card is a good one.

Just as often, they also want to know which credit card they should get if they want airport lounge access.

Until recently, this question was fairly easy to answer since many cards offered similar lounge benefits. But lately, it's gotten more complicated. The issuer lounge space has more options than ever, while some cards have lost perks like guest privileges and restaurant access.

It can feel overwhelming, but we've got you. Here's a breakdown of what to consider when choosing a credit card for airport lounge access .

Access with top cards

If you have a lounge in your home airport.

Presumably, your home airport is where you spend the most time. If you live in an airline hub or have a perfectly placed lounge that you want access to, let that drive your decision.

For instance, if Los Angeles International Airport (LAX) is your home airport, you probably pass an airline lounge regardless of your preferred airline since it is a hub for American Airlines, Delta Air Lines and United Airlines.

Similarly, if you have an issuer lounge in your home airport, you may want to choose the premium card from that issuer that includes lounge access. Someone whose home base is Dulles International Airport (IAD), for example, will likely want access to the Capital One Lounge that's conveniently located just past the airport's security lines.

On the flip side, not all of us have a wide range of lounge options at home. I'm based in Nashville, and as much as I love Nashville International Airport (BNA), it has limited lounge options. As such, I've based my lounge access decision on the airports I frequently travel through rather than my home base.

If you're loyal to a specific airline

If you're loyal to American, Delta or United, you'll likely benefit from airline-specific lounge access since you'll most frequently fly through hubs with a lounge.

American Airlines

Frequent American flyers will want to go with the Citi® / AAdvantage® Executive World Elite Mastercard® (see rates and fees ) since it's the only credit card with an Admirals Club membership.

Delta Air Lines

If you're a regular Delta passenger, note that the Delta SkyMiles® Reserve American Express Card includes unlimited complimentary Sky Club access through January 2025. After that, cardmembers will receive 15 complimentary visits per year and can receive unlimited visits by spending $75,000 on the card each calendar year.

United Airlines

Similarly, United fans will benefit most from the United Club Infinite Card , the only card with a United Club membership as one of its perks.

Of course, if you're loyal to an airline that doesn't have its own airport lounges, you can cross these off the list. As a Southwest Airlines loyalist , I knew I didn't want to limit my lounge access to a specific airline, so I was able to turn my attention elsewhere.

If you want issuer-specific lounge access

For quite a while, American Express had the issuer lounge market cornered. But as Capital One and Chase continue to grow their own lounge networks, you may decide you want to choose your credit card based on the issuer's lounge access it gets you.

American Express

You can find American Express Centurion Lounges in over 20 locations, making them the most prominent issuer lounge. If you want access, you'll most likely want either the Amex Platinum or the Amex Business Platinum .

Delta SkyMiles Reserve and Delta SkyMiles Reserve Business cardmembers can also access Centurion Lounges when flying Delta, as long as the flight was booked on their card (excluding basic economy tickets).

Related: I'm an Amex Platinum newbie — here's why lounge access is surprisingly my favorite perk

Capital One

While not as well established as Centurion Lounges, Capital One Lounges have grown rapidly. Currently, you can find them in three airports: Dallas Fort Worth International Airport (DFW) , Denver International Airport (DEN) and Dulles International Airport (IAD) .

A planned location in Harry Reid International Airport (LAS) in Las Vegas has been announced but is not yet open. To access these lounges, you'll want either the Venture X or the Venture X Business .

Additionally, Chase has been asserting its presence in the lounge space with Chase Sapphire Lounges. With their impressive designs and amenities like complimentary facials, they may be gunning for the No. 1 spot.

Currently, you can find Sapphire Lounges in four locations: Boston Logan International Airport (BOS) , Hong Kong International Airport (HKG) , John F. Kennedy International Airport (JFK) in New York and LaGuardia Airport (LGA) in New York. There's also a smaller terrace location at Austin-Bergstrom International Airport (AUS) .

To get unlimited access to these lounge concepts, you'll need the Chase Sapphire Reserve . You can also get one complimentary visit to a Sapphire Lounge per calendar year if you have a Priority Pass Select membership from another credit card.

If you want more diverse lounge options

If you want a wider range of airport lounge access options, opt for a card with a complimentary Priority Pass Select membership. Priority Pass is a network of over 1,500 lounges, Minute Suites , Be Relax spas and various restaurants located in 600-plus airports in more than 150 countries.

Airline cobranded cards don't include Priority Pass access, but you'll get it with the premium cards that unlock issuer lounge access: Amex Platinum (enrollment required), Amex Business Platinum (enrollment required), Chase Sapphire Reserve , Capital One Venture X and Capital One Venture X Business .

Additionally, you can get Priority Pass access with some other cards:

• Marriott Bonvoy Brilliant American Express Card : Unlimited complimentary access for the primary cardholder and up to two guests (enrollment required)
• Hilton Honors American Express Business Card : 10 complimentary visits annually (enrollment required)
• U.S. Bank Altitude® Reserve Visa Infinite® Card : Eight complimentary visits annually
• U.S. Bank Altitude® Connect Visa Signature® Card : Four complimentary visits annually

The information for the U.S. Bank Altitude Reserve and U.S. Bank Altitude Connect have been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Is a Priority Pass lounge membership actually worth it?

If you want access to Priority Pass restaurants

If you frequently pass through airports with a Priority Pass-affiliated restaurant, getting a card with access can save you big bucks. This perk will comp a certain amount of the restaurant bill for you and up to one registered guest. The amount varies by restaurant and is typically $28 to $30 per person; you can look up the exact values for each restaurant on the Priority Pass website .

Many cards with Priority Pass Select access have eliminated restaurant access in recent years, but you can still get it as a part of the Priority Pass Select membership included with the Chase Sapphire Reserve ( through June 30 ) and the Venture X Business .

While my home airport in Nashville doesn't have much to offer in the way of lounges, it does have a Priority Pass restaurant. With my Chase Sapphire Reserve, I get a $28 credit toward my bill for me and another $28 credit for a guest. This benefit was a major factor in my decision to go with the Chase Sapphire Reserve over other credit cards that include airport lounge access since I can get at least $28 of value from it every time I fly.

Related: Better food and more options: Why I value the Priority Pass' airport restaurant credit over lounge access

If you want to bring guests for no additional cost

If you frequently travel with a partner or family, you'll want to choose a card that includes guest access. While some cards like the Amex Platinum and the Delta SkyMiles Reserve allow you to bring guests for an additional fee, the following cards include complimentary access for the primary cardholder and up to two guests:

• Citi® / AAdvantage Executive World Elite Mastercard (can be either immediate family — spouse, domestic partner and children up to 18 years old — or up to two guests)
• Marriott Bonvoy Brilliant
• Chase Sapphire Reserve
• United Club Infinite Card
• Capital One Venture X (also includes access for authorized users and up to two guests with them; see rates and fees )
• Capital One Venture X Business (see rates and fees )

Related: A guide to guest policies for airport lounges

If you're unsure

If you're new to the airport lounge world, committing to a credit card with a hefty annual fee can feel daunting. If you aren't ready to make the jump, consider one of these options to dip your toes in first.

Go as someone's guest

As outlined above, several credit cards come with lounge access, allowing cardholders to bring guests into a lounge. If you have a friend with this access, try to find a time to visit a lounge as their guest to see how you like it.

Become a Venture X authorized user

One of the most valuable perks of the Capital One Venture X is the ability to add up to four authorized users, each with their own airport lounge access benefit, for no additional cost (see rates and fees ). If you have a friend who has the Venture X, ask them to add you as an authorized user .

Doing so will give you access to Capital One Lounges, as well as Priority Pass Select lounges for no additional cost.

Get a card with a set number of visits

You can get a limited number of lounge visits without paying a premium annual fee. Consider one of these options if you're aiming to keep your annual fee costs down:

• U.S. Bank Altitude Connect : With this card, you'll get four complimentary visits to Priority Pass Select lounges annually for just a $95 annual fee, making it a great way to try out some lounges without committing to a high annual fee.
• American Express® Green Card : The Amex Green has a $150 annual fee (see rates and fees ) and comes with a up to $100 LoungeBuddy credit , which you can use to try out some airport lounges before committing to a card with unlimited access.
• United Explorer Card and United Business Card : With either card, you'll get two one-time United Club passes per year for an annual fee of under $100.

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

Related: 11 credit cards that offer Priority Pass airport lounge access

Pay for a one-time pass

You don't necessarily have to have a membership or access through a credit card to get into a lounge. Most lounges give you the option to pay out of pocket per visit. If there's a lounge you pass often and are considering getting a credit card to access, paying for a visit to see if it's worth it to you can be a great option.

Bottom line

You have some great options when choosing a credit card for airport lounge access. The different types of access can feel overwhelming, but deciding which type of access matters most to you is key to landing on a card that's the perfect fit. No matter which you choose, you'll be well on your way to lounging in style on your next layover.

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

For rates and fees of the Amex Platinum, click here . For rates and fees of the Amex Business Platinum, click here . For rates and fees of the Delta SkyMiles Reserve, click here . For rates and fees of the Delta SkyMiles Reserve Business, click here . For rates and fees of the Bonvoy Brilliant, click here . For rates and fees of the Hilton Honors Business, click here. For rates and fees of the Amex Green, click here .

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Does AmEx Gold Have Lounge Access?

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Who wants to hang out in an airport terminal? Whether you fly once a year or every other week, the crowds, overpriced food and general hurriedness of the airport are easy to dislike.

In response, airlines and card issuers offer airport lounge access, helping ease the path for loyal customers. But not all flights — and not all credit cards — offer airport lounge access.

Let's take a look the American Express® Gold Card and American Express® Business Gold Card benefits and other AmEx cards that’ll get you into a lounge .

AmEx Gold lounge access

In the U.S., the American Express® Gold Card and the American Express® Business Gold Card don't offer lounge access.

However, American Express® Gold Card holders in the United Kingdom get two complimentary lounge visits per year at over 1,200 airport lounges globally. And Canadian-based American Express® Gold Card receive complimentary membership in Priority Pass . Enrollment required.

The good news is, both gold cards provide a variety of other perks.

on American Express' website

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Terms Apply.

Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms Apply.

• Earn 4 points per dollar spent on restaurants.

• Earn 4 points per dollar spent at U.S. supermarkets (on up to $25,000 in purchases a year).

• 3 points per dollar spent for flights booked directly with airlines or with American Express Travel.

• 1 point per dollar spent on other eligible purchases.

Terms apply.

• Earn 4 points per dollar in the two eligible categories where your business spends the most each billing cycle. The 4x rewards apply to the first $150,000 in combined spending per year.

• Earn 3 points per dollar on flights and prepaid hotels booked on amextravel.com.

• Other spending earns 1 point per dollar.

• $120 annual dining credit (available in monthly credits on select purchases.) Enrollment required.

• Up to $120 a year in Uber Cash ($10 per month) for Eats orders and rides in the U.S. Your card must be added to the Uber app.

• Metal card.

• Earn up to $20 in statement credits monthly for eligible U.S. purchases at FedEx, Grubhub and Office Supply Stores. Enrollment required.

• Get up to $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal).

» Learn more: 5 things to know before getting the American Express® Gold Card

The American Express® Gold Card still features strong benefits

While the American Express® Gold Card can’t grant you lounge entry, it does provide a lot of material benefits in exchange for its $250 annual fee. This includes monthly statement credits, strong earnings on food purchases and complimentary travel insurance. Terms apply.

Statement credits

The AmEx Gold card has you covered if you're big into food. This is thanks to the pair of monthly statement credits it offers:

$10 monthly at Uber or UberEats.

$10 monthly at Grubhub, Cheesecake Factory, Seamless, select Shake Shack locations, Goldbelly, Milk Bar and Wine.com.

Bonus points

In addition to monthly credits, cardholders can expect robust earnings for food-related purchases:

Earn 4x points at restaurants worldwide, plus takeout and delivery within the U.S.

Earn 4x points at U.S. supermarkets on the first $25,000 in spend.

Earn 3x points on flights booked directly with the airline or via amextravel.com.

Earn 1x point everywhere else.

Trip insurance

American Express has some fairly generous travel insurance on its credit cards, and the American Express® Gold Card is no exception. The card offers several different types of insurance to protect you when you're traveling:

Baggage insurance: Up to $1,250 for carry-on luggage and $500 for checked bags.

Rental car insurance: Coverage is secondary to your personal insurance and does not include liability.

Trip delay insurance: Starting after a 12-hour delay, up to $300 per trip.

Although the card is missing features such as trip cancellation or trip interruption insurance, these are still available on higher-end cards such as The Platinum Card® from American Express . Terms apply.

» Learn more: The guide to American Express travel insurance

Hotel Collection access

The American Express® Gold Card gives you access to the Hotel Collection by American Express, a curated list of both popular brand and boutique hotels.

When you book a stay of two or more nights through American Express travel, you'll receive a room upgrade when available, and a $100 experience credit to spend on qualifying dining, spa, and resort activities.

» Learn more: What to know about the AmEx travel portal

Other AmEx cards with lounge access

Just because the American Express® Gold Card and American Express® Business Gold Card don't come with lounge access doesn’t mean you’re out of luck. If you're looking to stick with the American Express ecosystem, there are a few different cards from which to choose that'll provide access, including:

Other card issuers, including Chase and Capital One, also offer credit cards that provide lounge access. Options include the Chase Sapphire Reserve® and the Capital One Venture X Rewards Credit Card .

Gold card airport lounge access recapped

We don't blame you for wanting to slip into an airport lounge. Although the American Express® Gold Card and the American Express® Business Gold Card don't come with the ability to enter lounges, it does provide a variety of other benefits. While most of these are food-focused, the card does offer some decent travel insurance, including trip delay insurance. Terms apply.

Otherwise, consider the handful of other AmEx cards that provide lounge access .

Insurance Benefit: Trip Delay Insurance

Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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American Express Platinum CLEAR® Plus benefit guide 2024

Ashley Barnett

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Robin Saks Frankel

Published 5:44 a.m. UTC May 29, 2024

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The Platinum Card® from American Express (terms apply, rates & fees ) is widely recognized as a premier luxury card, known for its wide range of travel credits and exclusive benefits. Amex Platinum cardmembers earn Membership Rewards points, arguably the most valuable reward currency, which can be redeemed for flights, hotels and more. One of its most unique perks is the statement credit for a CLEAR ® Plus membership, worth up to $189 each calendar year (subject to auto-renewal). In this guide, we’ll tell you more about this benefit and how it can enhance your travel experience.

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The Platinum Card® from American Express

Welcome bonus

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

• Over $1,500 in travel and entertainment credits can offset the annual fee.
• Comprehensive lounge access benefit.
• Generous travel and purchase protections.
• High annual fee and spending requirements.
• Amex’s once-per-lifetime rule limits welcome bonus eligibility.
• Annual statement credits have limited use.

Card details

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Amex Platinum Card overview

The Amex Platinum card is a high-end card that offers a substantial welcome bonus, exclusive travel perks and over $1,500 in statement credits, including an annual CLEAR Plus statement credit of up to $189 and Uber Cash. You can also take advantage of various extras such as an airline incidental fee statement credit and Membership Rewards® points .

The Amex Platinum card is perfect for individuals willing to invest in a higher annual fee of $695 in return for a wide range of rewards and exceptional benefits. While there are many travel rewards cards , none provide as many travel benefits as the Amex Platinum card.

What is the Amex Platinum CLEAR Plus credit?

With the American Express Platinum card’s CLEAR Plus credit, you will receive an annual statement credit of $189, which completely covers the cost of a membership for an entire year. 

Since the credit renews annually, you’ll enjoy a complimentary CLEAR ® Plus membership each year, as long as you use the card to pay for the CLEAR membership enrollment fee (subject to auto-renewal).

About CLEAR Plus

CLEAR is a membership program that offers the convenience of expedited screening at airports, event venues, stadiums and other locations.

CLEAR Plus, also known as “CLEAR,” uses biometric information, such as fingerprints and/or iris scans, to verify members’ identity and bypass the security lines at U.S. airports and venues nationwide.

Although TSA security is still required, CLEAR allows passengers to bypass the step of presenting an ID and instead have their identification verified at a convenient kiosk. Once verified, a CLEAR representative will escort you to the front of the security line.

You can pair CLEAR with TSA PreCheck® to get through airport security even faster. If you have PreCheck you’ll go to the PreCheck screening lane instead of the standard screening. This means shorter lines and you don’t have to remove your shoes or take your laptop out of your carry-on bag. The Amex Platinum Card also offers an application fee statement credit of up to $100 for a Global Entry fee application credit or a statement credit of up to $85 every 4.5 years after you apply for a five-year membership for TSA PreCheck®.

Which credit cards offer trusted traveler credits? Here’s a guide to the best credit cards for Global Entry and TSA PreCheck

How does the Amex Platinum CLEAR Plus credit work?

To be eligible for the up to $189 statement credit for a CLEAR Plus membership, you must apply for CLEAR Plus online, pay the $189 membership fee using your qualifying Amex Platinum card and complete your enrollment at an airport kiosk. 

After the payment is processed, you can expect to receive your statement credit within a few days. However, please note that American Express has mentioned it may take up to 6-8 weeks in some cases.

How to use your Amex Platinum CLEAR Plus credit

Using your Amex Platinum CLEAR Plus statement credit is quite simple. 

To get started, you’ll need to apply for CLEAR ® Plus . Applicants must be at least 18 years old and the online application process can be completed in just a few minutes. 

After completing the application, you must use your Amex Platinum card to qualify for the credit. 

After completing enrollment and payment, you can easily finalize enrolling in CLEAR Plus by visiting any CLEAR airport location during your next flight. No appointment is necessary, but remember to bring your government-issued I.D..

During the final enrollment process, a CLEAR representative will kindly assist you by scanning your face, logging your fingerprint and requesting a copy of your boarding pass. The process only takes a few minutes of your time, so there’s no need to arrive excessively early for your flight just to complete your CLEAR enrollment.

Maximizing your CLEAR Plus credit: Get multiple memberships with your CLEAR benefit

The regular cost for a CLEAR Plus membership is $189 per year. Nevertheless, there are strategies to maximize your CLEAR Plus credit and get a reduced rate on a CLEAR Plus membership.

To begin, every person 18 or older must have their own CLEAR Plus membership if they want to enjoy expedited screening through CLEAR. Children under 18 are not required to have their own CLEAR Plus membership. Instead, they are automatically covered under their parent’s CLEAR Plus membership.

Since your Amex Platinum card only gives you one CLEAR Plus credit per year, here are some other ways to get a complimentary or discounted CLEAR Plus membership. 

• Annually, Delta SkyMiles Diamond Medallion® members receive a complimentary CLEAR Plus membership. 
• Annually, United MileagePlus Premier 1K members receive a complimentary CLEAR Plus membership. 
• Delta SkyMiles Platinum, Gold and Silver Medallion members and those who possess a co-branded Delta SkyMiles Credit Card can purchase a discounted CLEAR Plus membership for $149.
• United MileagePlus Platinum, Gold and Silver Premier members and those who have a co-branded United MileagePlus Credit Card can get a discounted CLEAR Plus membership for $149.
• Members of the Delta SkyMiles or United MileagePlus loyalty programs receive a $179 annual discount on CLEAR Plus membership.
• Active duty military personnel and veterans can enjoy a CLEAR Plus membership for $99 annually.

Additional Amex Platinum benefits worth noting for your next trip

Marriott and hilton elite status.

As one of the best travel rewards cards , the Amex Platinum card allows you to obtain mid-tier elite hotel status with two of the biggest hotel chains in the world just for keeping your card. 

The Platinum Card provides a range of travel perks, including Hilton Honors Gold and Marriott Bonvoy Gold elite status (upon enrollment). This elite status may include perks such as bonus points, upgrades and complimentary breakfast when staying at Hilton and Marriott hotels.

Up to $100 statement credit for enrolling in Global Entry or TSA PreCheck

In addition to CLEAR Plus, most passengers enroll in TSA PreCheck to get the best possible expedited screening at the airport. With this combo, you can quickly go to the front of the TSA line and avoid a long security queue. 

In addition to the annual up to $189 CLEAR Plus statement credit that comes with the Amex Platinum card, cardholders may also get either a credit for Global Entry ($100) every four years or a credit for TSA PreCheck ($85) every 4.5 years (for a 5-year TSA PreCheck plan only). 

Note that you receive TSA PreCheck automatically when enrolling in Global Entry, so for most people it’s best to register for Global Entry and take advantage of a seamless screening process next time you’re at the airport. 

Access to Airport Lounges

Worldwide lounge access is not limited to flying a specific airline or purchasing a business or first-class ticket. With your Amex Platinum card, you can access over 1,400 lounge properties in 140 countries worldwide. This includes the extensive network of Priority Pass lounges (enrollment required) and access to Amex’s swanky Centurion Lounges , along with the Delta Sky Clubs (available when flying Delta on the same day).

Travel protections

If any issues arise during your travels, rest assured that Amex Platinum cardmembers are provided with comprehensive travel protections.

If your trip is delayed for over six hours due to a covered reason, you may be eligible for reimbursement of up to $500 per covered trip, with up to two claims per consecutive 12-month period¹. Even worse, if your trip is canceled or interrupted for a covered reason, you may be able to get up to $10,000 back per covered trip and $20,000 back per card every 12 months².

Frequently asked questions (FAQs)

An up to $189 CLEAR Plus statement credit is available on four American Express cards: The American Express Platinum Card, the American Express Corporate Platinum Card, The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) and the American Express® Green Card * The information for the American Express® Green Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply).

All information about American Express® Green Card and The Business Platinum Card® from American Express has been collected independently by Blueprint.

The CLEAR Plus airport service costs $189 per year, while the general CLEAR service is available for free at stadiums and arenas across the U.S. after signing up and downloading the app.

If you often travel from participating airports and value efficiency in getting through security, CLEAR Plus is a worthwhile investment — especially when you can get it for free.

While CLEAR is a private company that operates at more than 50 airports, stadiums and other events nationwide, TSA PreCheck is provided by the government at more than 200 airports. 

CLEAR can expedite your access into airports, stadiums and other events, whereas TSA PreCheck just speeds up your experience going through airport security.

You will receive a complimentary CLEAR ® Plus membership each year you hold certain Amex cards, such as the Amex Platinum card, as the credit renews each year (enrollment is required). The American Express CLEAR Plus credit provides a $189 statement credit that completely covers the cost of a one-year CLEAR ® Plus membership.

For rates and fees for The Platinum Card® from American Express please visit this page .

¹Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

²The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

*The information for the American Express® Green Card and The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Juan is a freelance editor and writer who specializes in topics such as credit cards, travel, and loyalty programs. You can find his writing on a variety of websites like CNN, Forbes, The Points Guy, and many more. When Juan isn’t busy creating content, he loves going on exciting travel adventures around the world with his wife and three young daughters. You can connect with Juan on Twitter and Instagram as @doubledutydaddy.

Ashley Barnett has been writing and editing personal finance articles for the internet since 2008. Before editing for USA TODAY Blueprint, she was the Content Director for an international media company leading the content on their suite of personal finance sites. She lives in Phoenix, AZ where you can find her rereading Harry Potter for the 100th time.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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Changes to American Express Platinum Card Airport Lounge Access

There are more people traveling now than there were in 2019, and many of these travelers are willing to pay extra for a better airport experience. As a result, airport lounges are more crowded than ever. Although new locations are being opened to expand capacity, they haven’t kept up with the demand, leading to lounges reaching full capacity and causing longer wait times for entry.

To counteract this, lounges have made the entry rules more restrictive, and American Express Platinum cardholders have limited access to AMEX’s Centurion Lounges and Delta Sky Clubs. And now we can add the Escape Lounges to the list of locations where access has been limited.

You can still enter with up to two guests. However, as of May 9, 2024, you can only arrive within 3 hours of your departing flight. You are allowed to enter at any time at a connecting airport.

Effective May 9, 2024, to access select Escape Lounge locations, eligible Platinum Card® Members will be required to arrive at the lounge within 3 hours of their departing flight. During a layover the eligible Card Member may use the Escape Lounge in the connecting airport at any time. Additional information on guest fee rates, access policies and lounge terms and conditions can be found at escapelounges.com/us/access/.

Final Thought

I’m not sure how many people were showing up at Escape Lounges more than 3 hours before their flight. However, I’m sure enough of them were doing it to make AMEX and the lounges add this restriction.

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Credit Cards with Airport Lounge Access

Team Finology

Created on 25 May 2024

Wraps up in 5 Min

Read by 60 people

According to Ken Research, the popularity of airport lounge access has surged significantly, with a skyrocketing footfall of 8.5 million in FY 22-23, up from just 3.5 million the previous year. This impressive growth underscores the increasing demand for exclusive, comfortable spaces where travellers can relax and recharge before their flights.

In this blog, we'll explore the various credit cards that offer airport lounge access, the benefits of these lounges, and how you can make the most of this luxury travel perk. Whether you're a frequent flyer or an occasional traveller, understanding how to leverage your credit card benefits can transform your travel experience from mundane to extraordinary.

Best Credit Cards with Airport Lounge Access

• American Express Platinum Travel Credit Card
• Axis Bank Atlas Credit Card
• HDFC Bank Diners Club Black Metal Edition Credit Card
• HDFC Infinia Credit Card Metal Edition
• SBI Elite Credit Card

1. American Express Platinum Travel Credit Card

Joining Fee: ₹3,500 Annual Fee: ₹5,000

The American Express Platinum Travel Credit Card caters to frequent flyers in India. It boasts a suite of travel-centric benefits and rewards, including a welcome bonus of 10,000 Membership Reward Points, the ability to earn Membership Rewards points on everyday spending, an annual travel credit to help offset travel expenses, access to airport lounges for relaxation and productivity during layovers, and hotel benefits that can elevate your stays.

Features and Benefits of American Express Platinum Travel Credit Card

Lounge Access Benefits:

8 complimentary visits per year, limited to two per quarter, at airport lounges across India.

Eligible Lounges

Other Benefits:

• Welcome gift of 10,000 Membership Rewards Points redeemable for a Flipkart voucher or Pay with Points option in Amex Travel Online worth ₹3,000.
• Get a Taj Experiences E-Gift Card worth ₹10,000 from the Taj, SeleQtions and Vivanta Hotels.
• Earn 1 Membership Reward Point for every ₹50 spent and much more.

Apply for American Express Platinum Travel Credit Card.

2. Axis Bank Atlas Credit Card

Joining and Annual Fee: ₹5,000

The Axis Atlas Credit Card is designed specifically for frequent travellers. Instead of earning regular reward points, it offers EDGE Miles, a currency that can be redeemed for flights and other travel-related expenses through the Axis Bank Travel Edge program. This program allows you to convert your EDGE Miles to partner airline programs, making it easier to find flights that match your travel plans.

Features and Benefits of Axis Atlas Credit Card:

Atlas Credit Cardholders are entitled to avail lounge benefits as per the following: Note- The number of visits depends on the card variant.

Domestic lounges:

International lounges:

• 2500 EDGE Miles shall be credited to cardholders' EDGE Miles account upon successful completion of 1 transaction on the card within 37 days from the date of card issuance.
• Earn 2 EDGE Miles per ₹100 spent on all categories.
• Earn 5 EDGE Miles per ₹100 spent on travel up to ₹2 lakh per month and more.

Apply for an Axis Atlas Credit Card.

3. HDFC Bank Diners Club Black Metal Edition Credit Card

Joining and Annual Fees: ₹10,000

HDFC Diners Club Black Metal Edition Credit Card is a super-premium credit card designed for individuals who appreciate luxury travel and lifestyle experiences. It caters to high net-worth individuals and frequent flyers who crave a card that matches their spending habits and travel aspirations.

Features and Benefits of Diners Club Black Metal Edition Credit Card:

Unlimited airport lounge access to 1,300+ lounges in India and worldwide for primary and add-on card members.

Click here to view Domestic Lounges Click here to view International Lounges

• 6 complimentary golf games every quarter across the finest courses in the world
• Complimentary annual memberships of Club Marriott, Amazon Prime, and Swiggy One as a Welcome Benefit
• 10,000 Bonus Reward Points on spends of ₹4 lakh every calendar quarter
• 2X Reward Points on Weekend Dining
• 5 Reward Points for every ₹150 spent
• Up to 10X Reward Points via SmartBuy and much more.

Apply for HDFC Bank Diners Club Black Metal Edition Credit Card .

4. HDFC Infinia Credit Card Metal Edition

The HDFC Infinia Credit Card is a high-end invitation-only credit card with a metal touch for a more prestigious feel. It offers a reward rate of 5 Reward Points for every ₹150 spent, which can be redeemed for travel, merchandise, and other rewards. The card comes with a hefty annual fee of ₹12,500 (plus taxes), but it does offer some travel-focused perks to offset the cost. 

Features and Benefits of HDFC Infinia Credit Card Metal Edition-

Unlimited complimentary lounge access at airports within and outside India at 1,000+ airport lounges using Priority Pass.

• Complimentary nights & buffet at participating ITC hotels
• Complimentary Club Marriott membership for the first year
• Global Personal Concierge -24/7

Apply for HDFC Infinia Credit Card Metal Edition Credit Card.

5. SBI Elite Credit Card

Joining and Annual Fees: ₹4,999 + taxes

SBI Card ELITE is a premium card that offers benefits in a variety of categories, including travel, movies, restaurants, incentives, and more. Users can receive reasonable incentives on their daily purchases as well as significant milestone benefits, making it an excellent choice for high-spenders. The card also includes 6,000 rupees in movie tickets every year, which exceeds the annual price of ₹4,999. 

Features and Benefits of SBI Elite Credit Card

Lounge Access Benefit

• Complimentary Priority Pass Membership worth $99
• 6 complimentary visits to international lounges (max. 2 per quarter)
• 2 complimentary domestic lounge visits per quarter
• Welcome gift voucher worth ₹5,000
• Complimentary Club Vistara Membership
• 5X rewards on dining, grocery and departmental store spend
• Free movie tickets worth ₹6,000 per year
• Up to 50,000 bonus reward points in a year

Check out our 50+ Best Credit Cards in India: Compare and Apply Online!

Concluding our exploration of the best credit cards with airport lounge access in India, it's evident that these financial tools are not just about spending, but also about enhancing your travel experience. The luxury of relaxing in a quiet, comfortable space before a flight and enjoying complimentary snacks, beverages, and other amenities can transform your travel routine from stressful to delightful.

In a world where travel can often be hectic and unpredictable, owning a credit card with airport lounge access is a step towards reclaiming a sense of pleasure and tranquillity in your journeys. So, apply for the card that best suits your needs and start transforming your travel experiences today. Happy travels!

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Find the best credit card for you

Best family travel credit cards of 2024, unlock award flights, hotel stays and airport lounge access with the top family travel credit cards..

Family travel is a rewarding but complicated endeavor, and every family member you add to the trip increases the cost. However, planning ahead and using the right travel credit card can save you money and make your trips more comfortable.

The best family travel credit cards earn valuable points, miles or cash-back and offer benefits like airport lounge access that the whole family can enjoy. Here are CNBC Select's top picks for families looking to upgrade their next vacation. (See our methodology for more information on how we choose the best travel credit cards for families.)

Best family travel credit cards

• Best for no annual fee: Wells Fargo Autograph℠ Card
• Best for domestic flights: Southwest Rapid Rewards® Priority Credit Card
• Best for lodging:   Chase Sapphire Preferred® Card
• Best for airport lounge access: Capital One Venture X Rewards Credit Card (see rates and fees )
• Best for fair credit: Citi Double Cash® Card

Best for no annual fee

Wells fargo autograph℠ card.

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases

Welcome bonus

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

$0 annual fee

0% intro APR for 12 months from account opening on purchases

Regular APR

20.24%, 25.24%, or 29.99% variable APR

Balance transfer fee

Up to 5%, min: $5 

Foreign transaction fee

Credit needed.

Excellent/Good

See rates and fees , terms apply.

• No annual fee
• Solid rewards on broad spending categories
• 0% intro APR offer
• Get up to $600 cell phone protection (subject to a $25 deductible)
• Valuable welcome offer
• Access to My Wells Fargo Deals to earn cash back in the form of an account credit when shopping, dining
• No balance transfer offer

Who's this for?  The Wells Fargo Autograph℠ Card stands out for those seeking a no-annual-fee travel credit card as it has a long list of 3X bonus categories and earns transferrable points.

Standout benefits: The points earned with this card can be transferred to a growing list of airline and hotel partner programs, including British Airways Executive Club, Avianca LifeMiles and Air France/KLM Flying Blue. Having these various redemption options increases the value of your points as it allows you to take advantage of sweet spots with different programs.

[ Jump to more details ]

Best for domestic flights

Southwest rapid rewards® priority credit card.

Earn 3X points on Southwest® purchases, 2X points on local transit and commuting, including rideshare; 2X points on internet, cable, and phone services; select streaming. 1X points on all other purchases

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

21.49% - 28.49% variable

5%, minimum $5

Foreign transaction fees

Terms apply.

• Southwest upgraded boarding on up to 4 tickets per year
• 7,500 bonus points on each account anniversary
• $75 Southwest annual travel credit
• 4 upgraded boardings per year when available
• $149 annual fee
• No special financing offers

Who's this for?  With free checked bags for all passengers and a family-friendly seating policy, Southwest is great for families, and the Southwest Rapid Rewards® Priority Credit Card can help you save on your trips.

Standout benefits: This card can help families earn the Southwest Companion Pass more easily as the points from its welcome bonus count toward the 135,000-point threshold. Cardholders also receive a 10,000-qualifying-point boost every calendar year. The Southwest Companion Pass is valuable for families as it allows you to bring along a guest on any Southwest flight for the cost of taxes and fees.

Best for lodging

Chase sapphire preferred® card.

Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Chase Travel Hotel Credit, plus more.

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

21.49% - 28.49% variable on purchases and balance transfers

Either $5 or 5% of the amount of each transfer, whichever is greater

Read our Chase Sapphire Preferred® Card review .

• Points are worth 25% more when redeemed for travel via Chase Travel℠
• Transfer points to leading frequent travel programs at a 1:1 rate, including: IHG® Rewards Club, Marriott Bonvoy™ and World of Hyatt®
• Travel protections include: auto rental collision damage waiver, baggage delay insurance and trip delay reimbursement
• No fee charged on purchases made outside the U.S.
• $95 annual fee
• No introductory 0% APR

Who's this for?  The Chase Sapphire Preferred® Card is an amazing all-around travel card, but can be especially valuable for booking your hotel stays and other lodgings.

Standout benefits: The points earned with this card can help you book everything from an Airbnb to a suite in a luxury hotel. At a minimum, Chase Ultimate® Rewards points are worth one cent for statement credits and gift cards. However, your points are automatically worth 25% more when redeemed through the Chase Travel SM portal and potentially more when transferred to one of Chase's airline or hotel partners.

Best for airport lounge access

Capital one venture x rewards credit card.

Unlimited 2X miles on all eligible purchases, and 5 Miles per dollar on flights and 10 Miles per dollar on hotels and rental cars when booked via Capital One Travel portal

Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening

19.99% - 29.99% variable APR

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

Read our Capital One Venture X Rewards Credit Card review.

• Large welcome bonus
• No foreign transaction fees
• Up to $100 statement credits for either Global Entry or TSA PreCheck®
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• High annual fee
• No introductory 0% APR period

Who's this for? The Capital One Venture X Rewards Credit Card is great if you're looking for a premium credit card with easy-to-use benefits.

Standout benefits:  This card offers generous airport lounge access, including unlimited access to Capital One Lounges , Priority Pass Lounges and Plaza Premium lounges. You can bring up to two guests to Capital One and Plaza Premium lounges and unlimited guests to Priority Pass Lounges. Better yet, airport lounge access benefits extend to authorized u sers on your card, and you can add up to four for no additional fee.

Best for fair credit

Citi double cash® card.

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

0% for the first 18 months on balance transfers; N/A for purchases

19.24% - 29.24% variable

For balance transfers completed within 4 months of account opening, an intro balance transfer fee of 3% of each transfer ($5 minimum) applies; after that, a balance transfer fee of 5% of each transfer ($5 minimum) applies

Fair/Good/Excellent

Read our Citi Double Cash® Card review.

• 2% cash back on all eligible purchases
• Simple cash-back program that doesn't require activation or spending caps
• One of the longest intro periods for balance transfers at 18 months
• 3% fee charged on purchases made outside the U.S.
• Estimated rewards earned after 1 year:  $443
• Estimated rewards earned after 5 years: $2,213

Who's this for? The Citi Double Cash® Card is perfect for families with less-than-perfect credit who don't want to bother with a complicated rewards program.

Standout benefits: Most cash-back credit cards and rewards credit cards earn 1% back or 1X points on purchases that fall outside of special bonus categories. With the Citi Double Cash , you get double the return: 1% cash back when you buy and 1% cash back when you pay. Over time this adds up and there is no limit to how much cash back you can earn.

More on our top credit cards for family travel

The Wells Fargo Autograph℠ Card is a rare no-annual-fee card that earns transferrable travel rewards.

• 3X points at restaurants
• 3X points on travel
• 3X points on gas
• 3X points on transit
• 3X points on popular streaming services
• 3X points on phone plans
• 1X points on all other purchases

Earn 20,000 bonus points after spending $1,000 on purchases with the card in the first three months of account opening.

Notable perks

One of the best features of this card is its ability to transfer points to travel partners. You can transfer Wells Fargo rewards to these airline and hotel programs:

• Aer Lingus AerClub
• Air France/KLM Flying Blue
• Avianca LifeMiles
• British Airways Executive Club
• Iberia Plus
• Choice Hotels

If you prefer simplicity, you can still redeem your points for one cent each for statement credits, gift cards and travel booked through the Wells Fargo rewards site.

When you pay your monthly phone bill with the card, you'll not only earn 3X points but also qualify for cell phone protection . This coverage will reimburse you for up to $600 per claim with a $25 deductible (up to two claims per 12 months). It also has no foreign transaction fee, roadside dispatch, travel and emergency assistance and rental car collision coverage (secondary in the U.S.).

New cardholders also receive an intro 0% APR on purchases for the first 12 months, then a variable 20.24%, 25.24% or 29.99% applies.

[ Return to card summary ]

The Southwest Rapid Rewards® Priority Credit Card is a family-friendly airline card with more than enough benefits to justify its annual fee.

• 3X points on Southwest purchases
• 2X points on hotel and rental cars booked through Southwest
• 2X points on local transit
• 2X points on internet, cable and phone services

Earn 50,000 bonus points after spending $1,000 on purchases in the first three months of account opening.

The points you earn from this card's welcome offer and spending on the card can help you earn a Southwest Companion Pass. On top of that, you also receive a 10,000-qualifying-point boost every calendar year. Anyone pursuing Southwest elite status will appreciate the opportunity to earn 1,500 tier qualifying points (TQPs) for every $5,000 you spend annually with no cap on the number of TQPs you can earn.

Every year, you'll receive two benefits that can offset the annual fee alone: A $75 Southwest travel credit and 7,500 bonus points. Experts value Southwest points at around 1.3 cents per point , which makes the annual bonus points worth roughly $97.50 in Southwest flights.

Every Southwest ticket comes with two free checked bags , no cancellation fees and no change fees, and with this card, you'll get reimbursed for up to four upgraded boardings per year. Southwest doesn't have assigned seats, so upgraded boarding becomes more valuable, especially for families that need to sit together. If you don't want to pack snacks for the trip, you'll receive 25% back on inflight purchases when you use this card.

The Chase Sapphire Preferred® Card is a popular travel rewards card with useful benefits and a lucrative welcome bonus, all for an annual fee under $100 .

• 5X points per dollar on travel purchased through Chase Travel℠
• 5X points per dollar on Lyft rides through Mar. 31, 2025
• 5X points on Peloton equipment and accessory purchases over $150 (through March 31, 2025; max of 25,000 total points)
• 3X points per dollar on dining
• 3X points per dollar on online grocery purchases (excluding Target, Walmart and wholesale clubs).
• 3X points per dollar on select streaming services
• 2X points per dollar on all other travel purchases
• 1X points per dollar on all other purchases

Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

The Chase Sapphire Preferred comes with many valuable protections, including  primary rental car insurance , trip cancellation and interruption insurance, purchase protection , extended warranty protection and baggage and trip delay insurance. On top of that, you pay no foreign transaction fee and for every card anniversary you'll receive a 10% points bonus based on how many points you earned the previous year.

You'll also have access to several statement credits, including up to $50 hotel credit for bookings you make through Chase's travel site. Cardholders can also register to receive six months of free Instacart+ membership (activate by July 31, 2024) and up to $15 back each quarter for Instacart purchases (through July 2024). You can also enroll to receive a complimentary DashPass membership for a minimum of one year when you activate by December 31, 2024.

Perhaps the best feature of this card is that it unlocks the ability to transfer Chase Ultimate Rewards points to 14 airline and hotel partners. Chase has a long list of valuable partners including United MileagePlus, Southwest Rapid Rewards, Air Canada Aeroplan, World of Hyatt Hyatt and more. You'll also receive a 25% bonus when you pay for travel you book through the Ultimate Rewards site, which means you'll get a value of 1.25 cents per point. Occasionally, Chase offers discounts on gift card redemptions and you may be able to pick up Airbnb gift cards for 1.1 cents per point.

The Capital One Venture X Rewards Credit Card is a top-rated travel credit card offering premium perks for a significantly lower annual fee than luxury cards with similar benefits. 

• 10X miles per dollar on hotels and rental cars booked via Capital One Travel portal
• 5X miles per dollar on flights booked via the Capital One Travel portal
• 2X miles on all other eligible purchases

Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.

$395 (see rates and fees )

The Venture X's annual fee is one of the easiest premium credit card fees to justify thanks to its straightforward benefits. Every year cardholders receive up to $300 in Capital One Travel credit and 10,000 anniversary bonus miles, which are worth at least $100 in travel.

On top of that, when you apply for Global Entry or TSA PreCheck® you'll receive an application fee credit of up to $100. Once through security, enjoy unlimited access to Priority Pass airport lounges, Plaza Premium Lounges and Capital One Lounges. You can add up to four authorized users for no additional fee and each authorized user receives the same airport lounge access for themselves and guests.

Eligible purchases are covered by the following travel and purchase protections:

• Rental car damage and theft insurance (primary)
• Cell phone protection
• Purchase security
• Return protection
• Extended warranty protection
• Trip delay reimbursement
• Trip cancellation and interruption insurance
• Lost luggage reimbursement
• Travel accident insurance
• Travel and emergency assistance services

You can transfer the Capital One miles you earn with this card to partners like Air Canada Aeroplan, Avianca LifeMiles, Wyndham Rewards, Emirates Skywards and many more.

Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.

The Citi Double Cash® Card is a no annual fee cash-back credit card with a straightforward rewards structure and useful intro APR offer for balance transfers.

• 5% total cash back on hotels, rental cars and attractions you book through Citi Travel (through Dec. 31, 2024)
• 2% cash back on all other purchases (1% cash back when you buy and 1% cash back when you pay)

Earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening. 

The Citi Double Cash is an excellent option for balance transfers because new card members receive an intro 0% APR on eligible balance transfers for the first 18 months, then a variable 19.24% - 29.24% APR applies. There is an intro balance transfer fee of 3% of the amount of each transfer ($5 minimum) for the first four months, after that the balance transfer fee is 5% of each transfer ($5 minimum).

While this is technically a cash-back card, it earns cash back in the form of Citi ThankYou points . You can redeem these points at a value of one cent each for statement credits, gift cards, travel and more. You also have access to a limited number of Citi's travel partners and can transfer the points you earn with this card to Wyndham Rewards, Choice Hotels or JetBlue TrueBlue.

How do I choose the best travel credit card for my family?

The best travel credit card for your family depends heavily on where you want to go and what you want to use credit card rewards and benefits for. Some cards are great for airline redemptions, while others are better for hotel stays or cash-back rewards. Knowing your travel goals can help you hone in on the right choice for your situation.

Can you add family members to a credit card?

You can add family members to your credit cards as authorized users. However, it's important to understand the fine print because there can be an additional fee for adding authorized users and authorized user card benefits may be limited.

Is it better to use Visa or Mastercard in Europe?

Visa and Mastercard are both widely accepted in Europe and beyond. Both of these payment networks tend to be more universally accepted in Europe than Discover or American Express.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best travel credit cards for families.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Our methodology

To determine which cards offer the best value for family travel, CNBC Select analyzed over 250 major credit cards issued through FDIC-insured banks and NCUA-insured credit unions that are widely available in the U.S.  

We compared each card on a range of features, including rewards (e.g., cash back, points and miles), annual fees, welcome bonuses, introductory and standard APR and balance transfer fees and foreign transaction fees. We also considered additional perks (e.g., ongoing travel or merchant statement credits), cardholder protections (e.g., purchase protection, $0 liability protection and travel insurance), the application process when available (e.g., is there a credit pull or required credit score) and how easy it is to redeem points (e.g., are rewards are tied to a specific brand; if transferable, to how many/which partners, can you redeem for straight cash back).    We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.  

For the cards that offered a rewards program, we considered consumer spending data f orecasts from location intelligence firm Esri to determine where U.S. consumers are spending the most money, like on dining and travel. We used this to help determine what bonus categories are most useful for consumers. Since the value of a point or mile varies based on what they can be redeemed for, we also considered things like transferability and the ability to redeem for cash-back. 

When choosing the best family travel credit cards, we focused on cards that offer perks or rewards that make sense for families. 

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

• USAA auto insurance review: A top pick for military families Liz Knueven
• Chase Sapphire Preferred Card vs. Citi Strata Premier: Which is better for you? Jason Stauffer
• Best business credit card sign-up bonuses — get over $1,000 in value Jason Stauffer

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Airport Lounge Access with your American Express® Card

Explore domestic and international lounges that you can access with your card, make ‘airport lounge’ the first stop of your holiday.

Discover world class comforts and amenities in a peaceful and exclusive part of the airport at our lounges.

Wide range of food and drinks

Complimentary Wi-Fi

Flight information*

Explore the lounge priveleges available on your Card

American Express® Platinum Card

Be spoilt for choice with unlimited access to the Global Lounge Collection 1 , 1400 lounges across 130+ countries and counting

Enjoy access to these lounges with your Platinum Card.

Priority Pass

As a Platinum Cardmember, you are entitled to a complimentary access to Priority Pass™ lounges located outside India at over 1400 locations.  

Lounge access within India through Priority Pass™ will be payable at a prevailing rate of US$ 35 per Cardmember/Guest per visit.

Do I need to enroll?  

Basic Cardmembers are auto-enrolled. Supplementry Cardmembers need to submit this  form to enroll.

Can I bring a guest?

Yes, you can. Guests will be charged at $35 each. 

How can I enter?

Present your valid Priority Pass card (or digital Card), a boarding pass with a confirmed reservation for same-day travel and a government issued ID. 

The Centurion Lounge

From locally-inspired menus to quiet workspaces, each Centurion Lounge offers a variety of comforts aimed to elevate your travel experience.

In India, you can access the American Express Lounges at Delhi and Mumbai.

Yes, you can enter with up to 1 complimentary guest.

Present your valid Platinum Card, a boarding pass showing a confirmed reservation for same-day travel and a government issued ID.

Domestic Partner lounges

Strech out and refresh with complimentary food before you embark on your journey at lounges across India.

Only Basic and Supplementary Cardmember has complimentary access.

Delta Sky Club Lounges

Enjoy unlimited access to all Delta Sky Club lounges, when flying Delta Airlines. 

Only Basic Cardmember has complimentary access.

For guest access, please refer to the Delta Sky Club website. 

Just show your valid Platinum Card, valid ID and same-day boarding pass for a Delta flight.

Lufthansa Lounge

Lufthansa offers several lounges at Munich Airport, providing a quiet atmosphere and exclusive settings to relax or get your business done.

Enjoy complimentary access to Lufthansa Business Lounges and Lufthansa Senator lounges (when flying business class) at the Munich (T2 Satellite) and Frankfurt (T1 Concourse B)

The guest access and fees are subject to terms and conditions of participating lounges.

To enter, show your valid Platinum Card, government issued photo I.D., and confirmed seat on a same day Lufthansa Group boarding pass.

*Valid till 30th Sep, 2020

Escape Lounge

Escape to a peaceful and convenient retreat in a busy airport. Enjoy complimentary food and beverages, unlimited Wi Fi and more.

Yes, you can bring up to 2 guests at no additonal charges.

Simply present your eligible Card and boarding pass at the lounge.

American Express® Platinum Reserve Credit Card

Enjoy 12 complimentary 2 visits in a year (limited to 3 visits per quarter) to domestic airport lounges across India.

Enjoy access to the below lounges with your Platinum Reserve Credit Card.

You are entitled to a complimentary membership in Priority Pass™, one of the world’s largest independent airport lounge access programme.

Yes, click here to enroll.

Cardmember/accompanied guest has to pay a usage fee. Usage fee is charged per the prevailing retail rate.

You will need to show your Priority Pass Card and your Platinum Reserve Credit Card.

Domestic Lounges

Relax in the comfort of lounges across select locations in India, with access to food, beverages and Wi-Fi.

Do I need to enroll?   

No enrolment required.

You can bring a guest by paying a fee chargeable at walk-in rate. 

How do I get access?

You will need to present your Credit Card, same day ticket for airline travel that allows clearance through security for flight departure.

American Express® Platinum Travel Credit Card

Enjoy 8 complimentary visits per year (limited to two complimentary visit per quarter) to airport lounges across India

Enjoy access to the below lounges with your Platinum Travel Credit Card.

Yes, click here to enroll 

You will need to show your Priority Pass Card and your Platinum Travel Credit Card.

American Express® Platinum Corporate Card

Complimentary access 3 to 1200+ lounges under American Express Global Lounge Collection

Enjoy access to the below lounges with your Platinum Corporate Card

Enjoy complimentary membership to Priority Pass TM (valued at $429) and get access to more than 1200 VIP lounges across the globe at no cost. 

A nominal fee of US$ 35 will be charged per visit.

No, you will be auto-enrolled. 

Yes, you can bring a guest, at a charge of $35 per person.

Present your valid Priority Pass card (or digital Card), a boarding pass with a confirmed reservation for same-day travel and a government issued ID.

Yes, you can enter with up to 2 complimentary guests.

American Express Proprietary Lounges

Stretch out and refresh yourself with complimentary food and beverages before you embark on your journey at American Express Lounges internationally. In India, you can access the American Express Lounges at Delhi and Mumbai.

Guest access policies vary by location and is subject to change. For lounges in India, you can bring up to 1 guest plus 2 children under 12 at no additional charge.

*Valid till 31st May, 2020

Delta Sky Lounge

You may purchase guest access for up to two other traveling companions for $39 per person. Any additional guests may purchase One-Day Passes.

Just show your valid Platinum Corporate Card, valid Government ID and same-day boarding pass for a Delta flight.

Do I need to enroll? 

You can bring a guest by paying a fee chargeable at walk-in rate.

You will need to present your Corporate Card, same day ticket for airline travel that allows clearance through security for flight departure.

Terms and Conditions

1. For detailed access policies on Global Lounge Collection and terms applicable for Platinum Cardmembers please visit here .

2. Authorization for an amount of Rs.2 will be taken for Card Validation purpose. The Cardmember will enjoy 12 complimentary visits every year (limited to 3 times per quarter). The 12 months period is defined as January 1 to December 31 of every year.

3. Click here for detailed terms and conditions 

4. The quarter is as per calendar year, e.g. 1st January to 31st March, 1st April to 30th June and so on. The spend should exceed INR 50,000 to be eligible for complimentary lounge access in following quarter. E.g. if the spends are more than INR 50,000 in Oct-Dec quarter, the Cardmember will be eligible for one complimentary access anytime during the following Jan-Mar quarter.

5. Effective September 1, 2023, access to domestic “The Centurion® American Express Lounges” in Delhi and Mumbai on American Express Platinum Reserve Credit Card is being discontinued.

* Flight information might not be available at all lounge locations.