Free booze! And snacks! So many retailers! It’s not a stretch to say the Chase Sapphire Reserve has ruined me.

However although it could be the most popular card on the block proper now, it’s not the one one that gives complimentary airport lounge entry to its cardholders.

“Over the previous 12 months, the premium bank card market has heated up,” says Ben Schlappig, founding father of journey rewards weblog One Mile at a Time. “With the intention to justify the $450 to $550 annual payment, lounge entry has develop into a perk that each one the playing cards provide.”

Earlier than we dive into the main points, listed here are three issues you must know:

Airport lounges aren’t all the time the stuff goals are fabricated from. Typically they’re crowded, and generally they provide a reasonably weak meals choice; which means it’s not essentially smart to enroll in a bank card with a excessive annual payment simply as a way of gaining entry. Total, although, they’re higher than jostling for charging stations and expensive coffees within the common ready space.In the event you’re loyal to a selected airline, co-branded playing cards just like the United MileagePlus Membership, Delta Reserve and Citi Government AAdvantage World Elite MasterCard could be sensible selections—because you’re assured entry to that airline’s lounges everytime you fly with it. When you have got a card with generic lounge entry, you’ll often find yourself in airports with none affiliated lounges.As with every bank card, you shouldn’t get a rewards bank card except you propose to make use of it like a debit card—and repay the stability in full every month. In the event you can’t belief your self to try this, the perks aren’t definitely worth the danger.

Cool with these caveats? Listed below are three bank cards that include free airport lounge entry.

1. Chase Sapphire Reserve

With this card, you’ll obtain a membership to Precedence Move Choose, which has greater than 1,000 lounges in 500 cities the world over. You possibly can convey company with you, freed from cost, although some lounges set limits on what number of.

Membership doesn’t embody lounges from main gamers like American, Delta or United, so Schlappig suggests ensuring the airports you go to most frequently have Precedence Move lounges you’ll be able to make the most of.

Schlappig additionally notes that, as a result of Precedence Move lounges have grown more and more crowded, membership now comes with some further perks to maintain prospects blissful — like one hour of free entry to a nap room at PHL or as much as $28 of free meals at a PDX cafe.

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Lounges apart, the Chase Sapphire Reserve earns Final Rewards factors you’ll be able to switch to 11 totally different air and lodge companions. You’ll obtain a 50,000 level sign-up bonus after spending $four,000 within the first three months.

Right here’s what else it affords:

three factors per greenback on journey and eating / 1 level per greenback on all the pieces else$100 utility payment credit score for World Entry or TSA PreCheckNo international transaction charges

Though the annual payment is $450, it’s offset considerably by a $300 annual journey credit score that can be utilized towards taxis, airplane tickets, automobile leases, motels, and many others.

Schlappig calls this card “extremely well-rounded” and says it has “nice journey insurance coverage.”

2. American Categorical Platinum

This cost card offers you entry to the wide-ranging American Categorical World Lounge Assortment; amongst them are 9 Centurion lounges, high-end choices that embody scorching meals, premium cocktails and, at some, complimentary massages and manicures.

You’ll even have entry to Precedence Move Choose, Worldwide American Categorical, Delta (in case you’re flying it that day), Escape and Airspace lounges. You’re allowed to convey two company with you freed from cost—apart from at Delta’s Sky Golf equipment, the place they price $29 every.

The Platinum card earns American Categorical Membership Rewards factors, which you’ll be able to switch to 20 lodge and airline companions. You’ll obtain 60,000 factors after spending $5,000 within the first three months.

As Schlappig explains, this card has a “ton of perks,” together with…

5 factors per greenback on flights / 1 level per greenback on all the pieces else 5 factors per greenback on pay as you go motels booked by means of amextravel.com Automated Starwood Most popular Visitor and Hilton Honors Gold standing Entry to the Amex Platinum Concierge for reserving journey and eating places Complimentary Boingo wifi$100 utility payment credit score for World Entry or TSA PreCheckNo international transaction charges

Its payment of $550 per 12 months is mitigated by a $200 annual credit score with one airline of your selection (for incidentals like baggage charges or meals, however not airfare) — in addition to as much as $200 in Uber credit score annually.

Stephanie Zito, a journey rewards professional who wrote a information to journey hacking your honeymoon, carries each the Chase Sapphire Reserve and the AmEx Platinum. She calls the latter her “go-to” for lounge entry as a result of it “finest matches” her journey wants.

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“My house airport in Portland, Oregon (PDX) not solely has well-known carpet, it has 4 nice Precedence Move lounge choices I can use on my outbound,” she explains. “Domestically, I fly totally on American with transits through Dallas or Miami, the place I’ve gotten sufficient manicures on the Centurion lounge’s complimentary spa this 12 months to make up for the excessive annual payment. And, on the off probability I fly Delta, I can nonetheless get into the Sky Membership.”

three. Citi Status

Just like the Reserve, the Citi Status affords a Precedence Move Choose membership, with one necessary distinction: You’re solely allowed to convey two company with you.

The cardboard’s ThankYou factors switch to 14 lodge and airline companions and its different options embody:

three factors per greenback on air journey and motels / 2 factors per greenback on eating and leisure / 1 level per greenback on all the pieces else $100 utility payment credit score for World Entry or TSA PreCheck“Missed Occasion Ticket Safety,” which reimburses as much as $500 per ticket while you miss an eventNo international transaction charges

Whereas the annual payment is $450, the cardboard offers you a $250 air journey credit score for tickets, baggage charges, upgrades, and many others.

The cardboard additionally affords a novel 4th Night time Free profit: Guide a lodge keep that’s not less than 4 nights, and also you’ll obtain the price of one night time again as an announcement credit score.

“You will get a fourth night time free at just about any lodge utilizing this program, and might use the profit as usually as you’d like,” says Schlappig. “This protects some folks hundreds of dollars per 12 months.”

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Although the playing cards above provide various lounge entry and a few killer perks, home vacationers shouldn’t neglect concerning the co-branded bank cards talked about within the intro.

“Excluding Sky Membership entry for AmEx Platinum holders with same-day Delta flights, what these massive three playing cards don’t get you anymore is straightforward entry into the airline lounge golf equipment within the U.S.,” notes Zito. “If most of your journey is home on United or American—or your house airport doesn’t have a Precedence Move possibility—one of many different co-branded airline membership playing cards might be a greater possibility.”

A very powerful factor to recollect? As Zito says: “What makes a card one of the best card for you is matching the lounge advantages on provide to your journey type and desires.”

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