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February 18, 2025: Whether you travel constantly or occasionally, having airport lounge access can be a valuable perk. Access to a quieter space and complimentary food and beverages can pay off—especially if you are traveling with a family—and holding a credit card offering lounge access is usually the best way to get into your airport lounge.
Here are the credit cards that can get you into the lounge at the airport.
Credit cards with airport lounge access
Credit cards offering airport lounge access generally fall into one of three categories, and which is best for you is usually a function of your travel patterns:
- Cards offering access to lounge networks like Priority Pass and Plaza Premium. These cards are usually best if you aren’t loyal to one particular airline, fly internationally, or live and travel to a city covered by these lounge networks.
- Cards offering access to an airline’s network of lounges. If you are a frequent flyer of one particular airline, these cards will get you access to lounges like the United Club, Delta Sky Club and American Admirals Club. Given where you’re probably traveling if you’re loyal to that airline, the lounges you have access to will be highly likely to align with your travel patterns.
- Cards offering a limited number of lounge passes per year. These types of cards are usually best for occasional travelers or those who want to minimize the annual fees they’re paying.
Here are the best cards offering lounge access that fall into each of these buckets.
Cards with unlimited lounge network access
These credit cards offer unlimited visits to airport lounges in a network like Priority Pass or Plaza Premium. Many of these cards also offer access to a small number of lounge operated by the credit card issuer.
 The Platinum Card® from American Express Annual fee: annual_fees (See Rates and Fees) | Lounge access summary: The Centurion® Lounge, Escape Lounge, Priority Pass, and Plaza Premium lounge access when flying on any airline. 10 Delta Sky Club® visits per year when flying on Delta. Lufthansa lounge access when flying with Lufthansa Group. Enrollment required for some lounges and terms apply. The best option if you want a comprehensive lounge access program that is not airline-dependent. Cheaper to add authorized users than The Business Platinum Card® from American Express. |
 The Business Platinum Card® from American Express Annual fee: annual_fees (See Rates and Fees) | Lounge access summary: The Centurion® Lounge, Escape Lounge, Priority Pass, and Plaza Premium lounge access when flying on any airline. 10 Delta Sky Club® visits per year when flying on Delta. Lufthansa lounge access when flying with Lufthansa Group. Enrollment required for some lounges and terms apply. A very good option if you want a comprehensive lounge access program that is not airline-dependent and need a small business credit card. |
 Chase Sapphire Reserve® Annual fee: annual_fees | Lounge access summary: Access to Chase Sapphire Lounge® by The Club and Priority Pass lounges for cardmember, plus two guests. A great option if you live in or travel through one of the cities where Chase has one of its Sapphire Lounges. Sapphire Lounge locations: Boston (BOS), New York City (LGA, JFK), Phoenix (PHX), San Diego (SAN), Hong Kong (HKG). Las Vegas (LAS) and Philadelphia (PHL) coming soon. |
 Capital One Venture X Rewards Credit Card Annual fee: annual_fees | Lounge access summary: Unlimited access to Capital One Lounges and Priority Pass lounges for cardmember and up to 2 guests. The least expensive card offering unlimited Priority Pass access. Card also allows you to add up to 4 additional cardmembers (with their own lounge access) for free. Capital One Lounge locations: Dallas-Fort Worth (DFW), Denver (DEN), Washington, D.C. (IAD, DCA). New York City (LGA, JFK) and Las Vegas (LAS) coming soon. |
Capital One Venture X Business Annual fee: annual_fees | Lounge access summary: Unlimited access to Capital One Lounges and Priority Pass lounges for cardmember and up to 2 guests. The least expensive small business card offering unlimited Priority Pass access. Card also allows you to add up to 4 additional cardmembers (with their own lounge access) for free. Capital One Lounge locations: Dallas-Fort Worth (DFW), Denver (DEN), Washington, D.C. (IAD, DCA). New York City (LGA, JFK) and Las Vegas (LAS) coming soon. |
Cards with airline lounge access
Many airlines run their own airport lounge networks, and getting access to these lounges with an airline credit card can be a good option if you fly frequently on one of the major airlines. Here are your options if you are loyal to American, Delta, United, or Alaska.
 Citi® / AAdvantage® Executive World Elite Mastercard® Annual fee: annual_fees | Lounge access summary: Admirals Club membership, including unlimited visits for member and two guests (or immediate family) to the American Airlines Admirals Clubs, Alaska Airlines lounges, and Quantas Clubs. The cheapest way for American Airlines frequent flyers to get an Admirals Club membership plus the least-costly way for Alaska Airlines flyers to get unlimited access to Alaska lounges. |
 Delta SkyMiles® Reserve American Express Card Annual fee: annual_fees (See Rates and Fees) | Lounge access summary: 15 visits to the Delta Sky Club per year, plus four one-time Delta Sky Club guest passes. Unlimited access to Amex Centurion® and Escape lounges when flying Delta. A good choice for occasional Delta lounge access, especially if you travel with a companion a few times a year. |
 Delta SkyMiles® Reserve Business American Express Card Annual fee: annual_fees (See Rates and Fees) | Lounge access summary: 15 visits to the Delta Sky Club per year, plus four one-time Delta Sky Club guest passes. Unlimited access to Amex Centurion® and Escape lounges when flying Delta. A better choice for occasional Delta lounge access, thanks to more generous credits offered on the business variant of the card. |
 United Club℠ Infinite Card Annual fee: annual_fees | Lounge access summary: United Club℠ membership, with unlimited visits for member and either two adult guests or one adult and dependent children, when flying on United and Star Alliance partners. A lower-cost way to get United Club membership than buying it outright, and the card that earns the most MileagePlus miles on United flight purchases. |
 United Club℠ Business Card Annual fee: $450 | Lounge access summary: United Club℠ membership, with unlimited visits for member and either two adult guests or one adult and dependent children, when flying on United and Star Alliance partners. The absolute lowest-cost way to get United Club membership. |
Cards with limited airport lounge visits
These credit cards offer a limited number of visits to airport lounges. These cards might be better for you if you fly or have occasion to visit an airport lounge only occasionally.
 United℠ Explorer Card Annual fee: annual_fees | Lounge access summary: Two one-time passes to access the United Club℠ each cardmember anniversary year. Good choice for occasional United Airlines flyers who want United Club access twice a year. |
 United℠ Business Card Annual fee: annual_fees | Lounge access summary: Two one-time passes to access the United Club℠ each cardmember anniversary year. Good for small business owners who are occasional United Airlines flyers and want lounge access twice a year. |
 U.S. Bank Altitude® Connect Visa Signature® Card Annual fee: $0 | Lounge access summary: Priority Pass Select membership with 4 complimentary lounge access visits per year. Great for people who don’t want to pay an annual fee for lounge access on one to two trips per year. All information about the U.S. Bank Altitude® Connect Visa Signature® card has been collected independently by cardsandpoints.com. |
 U.S. Bank Altitude® Reserve Visa Infinite® Card Annual fee: $400 | Lounge access summary: Priority Pass Select membership with 8 complimentary lounge access visits per year. Great for occasional travelers who aren’t loyal to a particular airline and travel through airports with Priority Pass lounges. This card is no longer available to new cardmembers. All information about the U.S. Bank Altitude® Reserve Visa Infinite® card has been collected independently by cardsandpoints.com. |
What is an airport lounge?
An airport lounge is a space in an airport reserved exclusively for select travelers with access. Airport lounges usually provide a selection of complimentary food and beverages, offer free wifi, and give you an exclusive space to wait for your connecting flight. Many lounges offer additional services like massages, showers, or plated meals. Some lounges offer premium food and beverages or additional services for a fee.
Many airlines operate networks of airport lounges for their international premium cabin customers and holders of their co-branded credit cards. Examples of airline-operated lounges include the Delta Sky Club®, United Club, American Airlines Admirals Club, Virgin Atlantic Clubhouses, and Alaska Lounge.
Other airport lounges are operated by private companies that offer pay-per-use lounge access or lounge access through lounge networks like Priority Pass.
How do you access an airport lounge?
There are several ways you can get access to an airport lounge. Here are the most common:
- Premium credit cards. Many premium credit cards offer some form of airport lounge access. Priority Pass is a common lounge network included with many cards, but Chase, Capital One, and American Express all operate a limited number of branded lounges available exclusively to their own cardmembers. High-tier premium airline credit cards often include lounge access.
- Elite status. If you hold elite status with an airline, you can sometimes qualify for lounge access based on your status and the type of flight you are on. This access is usually restricted to international flights.
- Paid long-haul international business and first class flights. Most airlines offer some sort of lounge access to those who purchase long-haul business and first class flights.
- Pay-per-use. Some airport lounges allow you to pay a fee to use the lounge. Lounges may take payment at the door or use a service like LoungeBuddy to manage pay-per-use access.
- Lounge membership. Most airline-operated lounges offer some sort of paid lounge membership. The membership fee is usually charged annually and is often discounted for an airline’s elite members.
The Platinum Card® from American Express: The most comprehensive airport lounge access
The Platinum Card® from American Express has perhaps the most comprehensive airport lounge access program of any premium credit card. As a Platinum Card® cardmember, you’ll get access to the American Express Global Lounge Collection® which includes Amex’s own Centurion® Lounge and Escape Lounges. You’ll have access to Delta Sky Club® locations and Lufthansa lounges when flying on those airlines respectively, plus Priority Pass (enrollment required) and Plaza Premium Lounge access.
If you want to share your lounge access with others, you can add up to three authorized users for $195/year each. Amex Platinum® authorized users receive the same lounge access benefits, which can be a good option if you have a partner you want to share lounge access with.
Best for: Travelers who want a comprehensive lounge access program and are willing to pay for it, and travelers who want to share that lounge access with up to three other people.
The Platinum Card® from American Express lounge access overview
| Lounge Network | Visit Inclusions | Additional Terms |
|---|---|---|
| The Centurion® Lounge | Cardmember only. Unlimited visits. | Earn complimentary guest access by spending $75k or more in eligible purchases during the calendar year. |
| Escape Lounges – The Centurion® Studio Partner | + Cardmember plus 2 guests. Unlimited visits. | |
| Priority Pass Enrollment required. | + Cardmember plus 2 guests. Unlimited visits. | |
| Plaza Premium | + Cardmember plus 2 guests. Unlimited visits. | |
| Delta Sky Club® | Cardmember only. Receive 10 visits per calendar year. | Must be on a same-day Delta-operated flight. Earn unlimited access by spending $75k or more in eligible purchases during the calendar year. |
| Lufthansa Lounges | Cardmember only. | Must be on same-day Lufthansa Group flight. |
The Business Platinum Card® from American Express: Amex global lounges for small business owners
The Business Platinum Card® from American Express also offers American Express Global Lounge Collection® to small business owners. Business Platinum cardholders can access the Centurion® Lounge and Amex Escape Lounges as well as Delta Sky Clubs and Lufthansa lounges when flying on those airlines. As a Business Platinum cardholder, you can receive a Priority Pass Select membership (enrollment required) and enjoy Plaza Premium Lounge access.
Best for: Small business owners who want a comprehensive lounge access program and are willing to pay for it.
The Business Platinum Card® from American Express lounge access overview
| Lounge Network | Visit Inclusions | Additional Terms |
|---|---|---|
| The Centurion® Lounge | Cardmember only. Unlimited visits. | Earn complimentary guest access by spending $75k or more in eligible purchases during the calendar year. |
| Escape Lounges – The Centurion® Studio Partner | + Cardmember plus 2 guests. Unlimited visits. | |
| Priority Pass Enrollment required. | + Cardmember plus 2 guests. Unlimited visits. | |
| Plaza Premium | + Cardmember plus 2 guests. Unlimited visits. | |
| Delta Sky Club | Cardmember only. Receive 10 visits per calendar year. | Must be on a same-day Delta-operated flight. Earn unlimited access by spending $75k or more in eligible purchases during the calendar year. |
| Lufthansa Lounges | Cardmember only | Must be on same-day Lufthansa Group flight. |
Chase Sapphire Reserve®: Priority Pass with the Chase Sapphire Lounge
The Chase Sapphire Reserve® card is the only card available to new cardmembers that can get you unlimited access to Chase’s own Chase Sapphire Lounge by The Club. If you frequently travel through Boston, Hong Kong, LaGuardia, or JFK (locations where the Chase Sapphire Lounge is currently open) then the Chase Sapphire Reserve® is probably your best bet for lounge access.
Unfortunately, Chase announced in March of 2024 that the Chase Sapphire Reserve® card would be losing Priority Pass Restaurant access, so that is no longer a unique perk of this card.
If you want to share the lounge access you get with your Chase Sapphire Reserve®, it will cost you only $75 per authorized user per year. Authorized users get their own Priority Pass membership and can also access the Chase Sapphire Lounge by The Club.
Best for: People who are invested in the Ultimate Rewards® point program and who live or travel through one of the cities where Chase operates one of its Sapphire airport lounges.
Chase Sapphire Reserve® lounge access overview
| Lounge Network | Visit Inclusions |
|---|---|
| Chase Sapphire Lounge® by The Club | + Cardmember plus 2 guests. Unlimited visits. |
| Priority Pass Enrollment required. | + Cardmember plus 2 guests. Unlimited visits. |
Capital One Venture X: Low-cost Priority Pass, Capital One lounges, and free authorized users
The Capital One Venture X card is the value play when it comes to getting unlimited access to Priority Pass. With an annual fee of $395, the card’s annual cost is lower than competing cards. Even better, you can add authorized users to the card for free and those authorized users get their own Priority Pass Select memberships.
The Capital One Venture X is one of the few cards that can get you into the Capital One lounges. If you travel from or through Dallas, Denver, or Dulles, the Capital One Venture X is probably your best best for lounge access in these locations.
Best for: Travelers who aren’t loyal to a particular airline and want relatively low-cost airport lounge access. Excellent choice if you travel to or through one of the airports that has a Capital One lounge.
Capital One Venture X lounge access overview
| Lounge Network | Visit Inclusions |
|---|---|
| Capital One Lounge | + Cardmember plus 2 guests. Unlimited visits. |
| Priority Pass Enrollment required. | + Cardmember plus 2 guests. Unlimited visits. |
Capital One Venture X Business: Low-cost Priority Pass, Capital One lounges, and free authorized users
The Capital One Venture X Business card is a version of the Capital One Venture X for small business owners. Many of the benefits, including its lounge access benefit, are similar. You’ll get access to Priority Pass and the Capital One lounges for an annual fee of $395. However, authorized users you add to the Venture X Business card won’t get a Priority Pass membership.
The card is also issued as a World Elite Mastercard, which comes with fewer benefits than the personal version, which is issued as a Visa Infinite card. Most people will want to go with the Capital One Venture X, the personal version of this card.
Best for: Travelers who aren’t loyal to a particular airline and want relatively low-cost airport lounge access. Excellent choice if you travel to or through one of the airports that has a Capital One lounge.
Capital One Venture X Business lounge access overview
| Lounge Network | Visit Inclusions |
|---|---|
| Capital One Lounge | + Cardmember plus 2 guests. Unlimited visits. |
| Priority Pass Enrollment required. | + Cardmember plus 2 guests. Unlimited visits. |
Marriott Bonvoy Brilliant® American Express® Card: A brilliant choice for Marriott Loyalists who want Priority Pass access.
If you just want access to airport lounges, the Marriott Bonvoy Brilliant® American Express® Card is far from the best deal. But if you are a Marriott loyalist and you want Priority Pass lounge access, the Marriott Bonvoy Brilliant® American Express® Card will get you access for you and two guests. Notable other perks of the card include an annual 85,000 point free night certificate and instant Platinum status with Marriott Bonvoy.
Marriott Bonvoy Brilliant® American Express® Card lounge access overview
| Lounge Network | Visit Inclusions |
|---|---|
| Priority Pass Enrollment required. | + Cardmember plus 2 guests Unlimited visits |
Citi® / AAdvantage® Executive World Elite Mastercard®: The least expensive Admirals Club membership you can get
If you are loyal to American Airlines and you want a membership to the Admirals Club, holding the Citi® / AAdvantage® Executive World Elite Mastercard® is by far the cheapest way to get an Admirals Club membership. Even if you hold American’s top-tier status, Executive Platinum®, you’ll need to pay $700 a year for an Admirals Club.
Interestingly, the card is also the cheapest way to get access to Alaska Airlines lounges, since access to those lounges is included as a benefit of your Admirals Club membership.
Best for: American Airlines frequent flyers who want to get an Admirals Club membership and Alaska Airlines flyers wanting access to the Alaska lounges.
Citi® / AAdvantage® Executive World Elite Mastercard® lounge access overview
| Lounge Network | Visit Inclusions | Additional Terms |
|---|---|---|
| American Airlines Admirals Club | + Cardmember plus 2 guests or immediate family. Unlimited visits. | Must be on a same-day departing or arriving flight that is marketed or operated by American, or marketed and operated by any oneworld® airline. |
| Alaska Airlines Lounges | + Cardmember plus 2 guests or immediate family. Unlimited visits. | Must be departing or arriving on flights marketed and operated by American or Alaska Airlines. |
| Qantas Clubs | + Cardmember plus 2 guests or immediate family. Unlimited visits. | Must departing or arriving on same-day flights operated by Qantas, or operated by American out of Auckland, New Zealand or Sydney, Australia. |
Delta SkyMiles® Reserve American Express Card: 15 Sky Club visits per year
In early 2025, Delta cut the (previously) unlimited lounge access benefit of the Delta SkyMiles® Reserve American Express Card to 15 visits per year. While you could earn unlimited visits by spending $75,000 on the card in a calendar year, it’s actually cheaper to buy access outright when you consider the card’s poor earnings on non-Delta spend.
The card does still offer unlimited visits to The Centurion Lounge and Amex Escape Lounges when flying on Delta.
Best for: Delta flyers who want SkyClub access up to 15 times a year or whose travel patterns put them in airports with convenient Centurion® or Escape lounges.
Delta SkyMiles® Reserve American Express Card lounge access overview
| Lounge Network | Visit Inclusions | Additional Terms |
|---|---|---|
| Delta Sky Club | Cardmember only. Receive 15 visits per calendar year. Receive 4 one-time guests passes each Medallion Year. | Must be on a same-day Delta-marketed or Delta-operated flight. Earn unlimited visits by spending $75k or more in eligible purchases during the calendar year. |
| The Centurion® Lounge | Cardmember only. Unlimited visits. | Must be on a same-day Delta-marketed or Delta-operated flight. |
| Escape Lounges – The Centurion® Studio Partner | Cardmember only. Unlimited visits. | Must be on a same-day Delta-marketed or Delta-operated flight. |
Delta SkyMiles® Reserve Business American Express Card: Delta Sky Club Access and better for large spenders
If you’re a small business owner and you want access to the Delta Sky Club® up to 15 times a year, the Delta SkyMiles® Reserve Business American Express Card is your best bet. While the card no longer offers unlimited access to the Delta Sky Club, it can still be a good choice if you fly Delta a moderate amount.
The card does still offer unlimited visits to The Centurion Lounge and Amex Escape Lounges when flying on Delta, which can augment the limited amount of Sky Club visits you’ll receive with the card.
Best for: Small business owners who are Delta flyers and want SkyClub access up to 15 times a year.
Delta SkyMiles® Reserve Business American Express Card lounge access overview
| Lounge Network | Visit Inclusions | Additional Terms |
|---|---|---|
| Delta Sky Club | Cardmember only Receive 15 visits per calendar year. Receive 4 one-time guests passes each Medallion Year. | Must be on a same-day Delta-marketed or Delta-operated flight. Earn unlimited visits by spending $75k or more in eligible purchases during the calendar year. |
| The Centurion® Lounge | Cardmember only Unlimited visits | Must be on a same-day Delta-marketed or Delta-operated flight. |
| Escape Lounges – The Centurion® Studio Partner | Cardmember only Unlimited visits | Must be on a same-day Delta-marketed or Delta-operated flight. |
United Club℠ Infinite Card: United Club℠ Membership for less than United charges directly
You could purchase a United Club℠ membership from United for $550 to $650 a year depending on your frequent flyer status or you could get the United Club℠ Infinite Card for $525 a year. The United Club℠ membership you receive with your United Club℠ Infinite Card will get you and either two guests or your family (one additional adult, plus dependent children under 12) into the club when flying on a same-day United, Star Alliance, or partner flight.
Best for: Frequent United Airlines flyers who want to pay less for United Club membership and earn the most points for their United purchases.
United Club℠ Infinite Card lounge access overview
| Lounge Network | Visit Inclusions | Additional Terms |
|---|---|---|
| United Club℠ | + United Club member, plus two adult guests, or one adult guest and dependent children under 21 years old. Unlimited visits. | Must be on a same-day United, Star Alliance, or contracted partner operated flight. |
United Club℠ Business Card: United Club℠ membership for the lowest cost
The United Club℠ Business Card is the cheapest way to get a United Club℠ membership, but it may not be the best for you. The card earns only half the points on United flights as the personal version of the card, does not include the personal card’s 10% discount on United saver awards, allows you to earn only 1,000 Premier Qualifying Points per year, and only provides primary rental car insurance when renting for business purposes. If those benefits are worth less than the $75 in annual fees you’ll save, go for the business card.
Like the personal card, you’ll get a United Club℠ membership with your card. You’l be able to enter the United Club with either two guests or your family (one additional adult, plus dependent children under 12) when flying on a same-day United, Star Alliance, or partner flight
Best for: Frequent United Airlines flyers who a United Club membership for the absolute lowest cost possible.
United Club℠ Business Card lounge access overview
| Lounge Network | Visit Inclusions | Additional Terms |
|---|---|---|
| United Club℠ | + United Club member, plus two adult guests, or one adult guest and dependent children under 21 years old. Unlimited visits. | Must be on a same-day United, Star Alliance, or contracted partner operated flight. |
United℠ Explorer Card: 2 United Club℠ one-time passes per year
The United℠ Explorer Card is meant for the occasional United Airlines flyer who wants to check bags for free, but doesn’t fly enough to earn United Premier status. If that’s you, you’ll probably be able to use the two United Club℠ visit passes that you’ll receive each cardmember anniversary year with the card.
Best for: Occasional United Airlines flyers who want United Club access twice a year.
United℠ Explorer Card lounge access overview
| Lounge Network | Visit Inclusions | Additional Terms |
|---|---|---|
| United Club℠ | 2 one-time passes each cardmember year. | Must be on a same-day United, Star Alliance, or contracted partner operated flight. |
United℠ Business Card: 2 United Club℠ one-time passes per year
If you have The United℠ Business Card, you probably got the card primarily for its free checked bag benefit. That likely means you fly United a few times a year, but not enough to earn Mileage Plus Premier status. Your travel patterns mean you’ll almost certainly be able to use the card’s two included passes to the United Club each year.
Best for: Small business owners who are occasional United Airlines flyers and want lounge access twice a year.
United℠ Business Card lounge access overview
| Lounge Network | Visit Inclusions | Additional Terms |
|---|---|---|
| United Club℠ | 2 one-time passes each cardmember year. | Must be on a same-day United, Star Alliance, or contracted partner operated flight. |
U.S. Bank Altitude® Connect Visa Signature® card: No annual fee and 4 Priority Pass visits per year
It’s exceedingly rare for a card with no annual fee to offer airport lounge access, but that’s exactly what you’ll get with the U.S. Bank Altitude® Connect Visa Signature® card. The card offers four visits to Priority Pass lounges each year for no annual fee.
Best for: Occasional travelers who don’t want to pay an annual fee for lounge access on one to two trips per year.
U.S. Bank Altitude® Connect Visa Signature® card lounge access overview
| Lounge Network | Visit Inclusions | Additional Terms |
|---|---|---|
| Priority Pass Select | 4 complimentary visits per year | After your free visits have been used, pay $35/person/visit. |
U.S. Bank Altitude® Reserve Visa Infinite® Card: 8 Priority Pass visits per year
The U.S. Bank Altitude® Reserve Visa Infinite® Card might offer just enough lounge access for the occasional traveler, provided you travel through airports with Priority Pass lounges. With the card, you’ll get eight visits to Priority Pass lounges per year, thanks to the included Priority Pass Select membership.
Best for: Occasional travelers who aren’t loyal to a particular airline and travel through airports with Priority Pass lounges.
U.S. Bank has discontinued this card and it isn’t available to new cardmembers. All information about the U.S. Bank Altitude® Reserve Visa Infinite® card has been collected independently by cardsandpoints.com.
U.S. Bank Altitude® Reserve Visa Infinite® Card lounge access overview
| Lounge Network | Visit Inclusions |
|---|---|
| Priority Pass Select | 8 complimentary visits per year |
Bottom line: Get the card with the right lounge access for you
You can spend a lot in annual fees chasing after a credit card with lounge access. But by spending a bit of time to understand what is out there, you can select the right credit card that will give you the lounge access you want, without potentially overpaying by several hundreds of dollars.
Exactly which credit card will match up with your travel patterns best will be for you to decide, but there is an option for everyone, wether you travel occasionally and want to spend nothing or you need a comprehensive premium lounge access program.
American Express card disclosures
- For rates and fees of The Platinum Card® from American Express, please visit this link: See Rates and Fees
- For rates and fees of The Business Platinum Card® from American Express, please visit this link: See Rates and Fees
- For rates and fees of Marriott Bonvoy Brilliant® American Express® Card, please visit this link: See Rates and Fees
- For rates and fees of Delta SkyMiles® Reserve American Express Card, please visit this link: See Rates and Fees
- For rates and fees of Delta SkyMiles® Reserve Business American Express Card, please visit this link: See Rates and Fees
- For rates and fees of the American Express® Green Card, please visit this link: See Rates and Fees; terms apply
- For rates and fees The Hilton Honors American Express Business Card, please visit this link: See Rates and Fees
American Express insurance disclosures
Amex Baggage Insurance Plan (standard) benefit disclosure: 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. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Baggage Insurance Plan (premium) benefit disclosure: Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Car Rental Loss and Damage Insurance (standard) disclosure: Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Amex Car Rental Loss and Damage Insurance (premium) disclosure: Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Amex Cell Phone Protection benefit disclosure: Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 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.
Amex Extended Warranty benefit disclosure: When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Global Assist Hotline disclosure: You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.
Amex Premium Global Assist Hotline disclosure: You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.
Amex Purchase Protection (standard) benefit disclosure: When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Premium Purchase Protection (premium) benefit disclosure: Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Return Protection benefit disclosure: With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.
Amex Trip Cancellation and Interruption Insurance disclosure: The 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.
Amex Trip Delay Insurance (standard) disclosure: 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.
Amex Trip Delay Insurance (premium) disclosure: Up 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.
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