Best Credit Cards for Lounge Access in 2025: Complete Comparison Guide

You're standing at the airport, watching travelers disappear into comfortable lounges while you're stuck in a crowded terminal. The question crosses your mind: "Which credit card gives me the best lounge access?" With the landscape of airport lounge access constantly evolving, choosing the right credit card in 2025 requires understanding not just the annual fees, but the actual value you'll receive.

According to data from the Federal Reserve Bank of New York, premium travel credit cards with lounge access have seen a 23% increase in applications since 2023, reflecting growing demand for airport comfort and amenities [1]. The challenge is navigating through dozens of options, each with different lounge networks, guest policies, and annual fees. This comprehensive guide breaks down the best credit cards for lounge access in 2025, helping you find the perfect match for your travel patterns and budget.

Premium credit cards unlock access to airport lounges worldwide, transforming your travel experience with comfortable seating, complimentary food and beverages, and quiet workspaces.

Why Airport Lounge Access Matters for Travelers

Understanding why lounge access has become such a valuable credit card benefit requires looking at what modern travelers actually experience at airports. The transformation from stressful terminal waits to comfortable, productive lounge experiences represents one of the most tangible benefits of premium travel credit cards.

Airport lounges offer comfortable seating away from crowded terminals, providing an oasis of calm in otherwise chaotic environments. According to research from Airport Council International (ACI), the average airport terminal sees passenger density increase by 40% during peak hours, making lounge access particularly valuable during busy travel periods [2]. The complimentary food and beverages, often including premium alcohol selections, can save travelers $30-50 per visit while providing restaurant-quality dining experiences.

For business travelers, lounges provide quiet workspaces with reliable Wi-Fi and charging stations, enabling productivity during layovers that would otherwise be wasted time. The shower facilities available at many premium lounges allow travelers to refresh after long flights or before important meetings, adding significant value for international travelers. During long layovers, lounges transform uncomfortable waits into relaxing or productive experiences, making the difference between a miserable travel day and a pleasant one.

The value proposition becomes even clearer when you consider that many premium credit cards include travel credits that effectively offset annual fees. When you factor in the food, beverages, productivity value, and stress reduction, lounge access often pays for itself for frequent travelers. Understanding this value helps you evaluate whether the annual fees associated with premium cards are justified for your specific travel patterns.

Understanding the Types of Lounge Access Networks

Before diving into specific credit cards, it's essential to understand the different types of lounge access networks available. Each network offers different coverage, quality, and access methods, and the best card for you depends on which networks align with your travel patterns.

Priority Pass: The Global Standard

Priority Pass is the world's largest independent airport lounge access program, providing access to over 1,300 lounges worldwide across 600+ cities in 148 countries [3]. This network offers the most flexibility because it works across all airlines and airports, making it ideal for travelers who don't have airline loyalty or who travel to diverse destinations.

The program's strength lies in its extensive global coverage, with multiple lounge options at most major airports. However, quality varies significantly between locations, with some lounges offering premium experiences while others provide basic amenities. Many Priority Pass memberships also include restaurant access at select airports, providing $28 per person credits at participating restaurants—often a better value than lounge access at some locations.

Priority Pass membership is included with many premium credit cards, making it essentially free for cardholders. The guest policies vary by credit card, with some cards offering unlimited guest access while others restrict guests entirely. Understanding these policies is crucial when choosing a card, especially if you frequently travel with family or colleagues.

Airline-Specific Lounges: Consistency and Quality

Airline-specific lounges like Delta Sky Club, United Club, and American Airlines Admirals Club offer consistent quality and amenities across their networks. These lounges typically provide better food, more comfortable seating, and superior amenities compared to many Priority Pass lounges, but they're limited to specific airlines and require same-day tickets on that airline.

Delta Sky Club lounges, for example, are known for their excellent food offerings and comfortable seating, but access requires flying Delta on the same day. United Club locations provide consistent experiences across their network, with good food and beverage options and reliable Wi-Fi. American Airlines Admirals Club lounges offer similar consistency, with locations at major airports throughout the United States and select international destinations.

The value of airline-specific lounge access depends heavily on whether you're loyal to that specific airline. If you primarily fly one airline, these lounges can provide excellent value. However, if you book flights based on price or convenience rather than airline loyalty, airline-specific lounge access becomes less valuable.

Premium Network Lounges: The Gold Standard

Premium network lounges represent the highest quality lounge experiences available. American Express Centurion Lounges, Capital One Lounges, and Chase Sapphire Lounges offer exceptional amenities, restaurant-quality dining, premium bar service, and luxurious seating. These lounges are typically newer, more spacious, and better maintained than other options.

American Express Centurion Lounges are widely considered the best domestic lounge network, with locations at major airports including JFK, LAX, Miami, Seattle, and more. These lounges feature chef-driven dining, premium cocktails, spa services, and comfortable workspaces. However, they can become crowded during peak hours, and access is limited to American Express Platinum and Centurion cardholders.

Capital One Lounges represent a newer but rapidly expanding network, with locations opening at major airports. These lounges offer premium amenities similar to Centurion Lounges, with excellent food and beverage options. Chase Sapphire Lounges are also expanding, with locations at select airports offering premium experiences for Chase Sapphire Reserve cardholders.

Comprehensive Comparison of Best Lounge Access Credit Cards

Now that you understand the different lounge networks, let's examine the best credit cards for lounge access in 2025. Each card offers different combinations of lounge networks, guest policies, and annual fees, making some better suited for specific travel patterns than others.

1. American Express Platinum Card: The Ultimate Lounge Access Card

The American Express Platinum Card offers the most comprehensive lounge access of any credit card, making it the top choice for travelers who want maximum options and premium experiences. With access to multiple premium lounge networks, this card provides unparalleled flexibility and quality.

Lounge Access Details:

The Amex Platinum provides unlimited access to Centurion Lounges for the cardholder and up to 2 guests, representing one of the best domestic lounge experiences available. The card also includes Priority Pass Select membership with unlimited visits, though guest access is restricted to the cardholder only. When flying Delta, cardholders receive unlimited Delta Sky Club access, though this also requires same-day Delta tickets and doesn't include guest access.

The card provides access to Lufthansa Lounges when flying Lufthansa Group airlines, Plaza Premium Lounges at select locations, and Escape Lounges (Centurion Studio Partner locations). This combination of networks ensures that cardholders have lounge access options at virtually any major airport worldwide.

Key Specifications:

• Annual Fee: $695
• Guest Policy: Varies by lounge (Centurion allows 2 guests, Priority Pass no guests, Delta Sky Club no guests)
• Restrictions: Delta Sky Club requires same-day Delta ticket; Priority Pass guest access not included
• Travel Credits: $200 airline fee credit, $200 Uber credit, $240 digital entertainment credit, $189 CLEAR credit

Best For:

This card is ideal for frequent travelers who want premium lounge access and don't mind the high annual fee. It's particularly valuable for travelers who frequently visit airports with Centurion Lounges, fly Delta regularly, or want maximum lounge options worldwide. The combination of premium lounges and extensive network coverage makes it unmatched for travelers who prioritize lounge quality and availability.

Value Analysis:

The $695 annual fee is offset by $829 in annual credits ($200 airline fee, $200 Uber, $240 digital entertainment, $189 CLEAR), effectively making the card free or even profitable if you use all credits. The lounge access becomes essentially free on top of these credits, providing exceptional value for travelers who can utilize the credits. However, if you don't use the credits, the annual fee becomes harder to justify solely for lounge access.

2. Chase Sapphire Reserve: Excellent Value with Guest Access

The Chase Sapphire Reserve offers Priority Pass Select membership with unlimited guest access, making it an excellent choice for travelers who frequently bring companions. The card's combination of lounge access, travel credits, and flexible points earning makes it one of the best overall travel credit cards.

Lounge Access Details:

The card provides Priority Pass Select membership with unlimited visits for both the cardholder and unlimited guests, a significant advantage over the Amex Platinum's restricted Priority Pass guest policy. The card also includes access to Chase Sapphire Lounges at select locations, though the network is still expanding. Additionally, Priority Pass restaurant credits of $28 per person are available at participating restaurants, often providing better value than lounge access at some airports.

Key Specifications:

• Annual Fee: $550
• Guest Policy: Unlimited guests on Priority Pass
• Restrictions: Must activate Priority Pass membership; Sapphire Lounge locations limited
• Travel Credits: $300 annual travel credit (automatically applied)

Best For:

This card excels for travelers who want guest access, value Priority Pass flexibility, and want restaurant credits in addition to lounge access. It's particularly valuable for families or business travelers who frequently travel with colleagues. The $300 travel credit effectively reduces the net annual fee to $250, making it more affordable than the Amex Platinum while still providing excellent lounge access.

Value Analysis:

The $300 travel credit automatically applies to any travel purchase, effectively reducing the annual fee to $250. The unlimited guest access on Priority Pass provides significant value when traveling with family or colleagues, as you can bring multiple guests without additional fees. The restaurant credits add additional value, often providing better experiences than basic Priority Pass lounges. The combination of reasonable annual fee, excellent lounge access, and strong travel benefits makes this card an outstanding value proposition.

3. Capital One Venture X: Best Value Premium Card

The Capital One Venture X offers excellent lounge access at the lowest annual fee among premium travel cards, making it the best value option for travelers who want premium benefits without the premium price tag. The card's combination of low fee, travel credits, and lounge access creates exceptional value.

Lounge Access Details:

The card provides Priority Pass Select membership with unlimited visits for both the cardholder and unlimited guests, matching the Chase Sapphire Reserve's guest policy. The card also includes access to Capital One Lounges, a newer but rapidly expanding network of premium lounges. Additionally, the card provides access to Plaza Premium Lounges at select locations.

Key Specifications:

• Annual Fee: $395
• Guest Policy: Unlimited guests on Priority Pass
• Restrictions: Must activate Priority Pass membership; Capital One Lounge locations still limited
• Travel Credits: $300 annual travel credit, 10,000 anniversary miles (worth $100)

Best For:

This card is perfect for value-conscious travelers who want premium benefits at a lower cost. It's ideal for travelers who visit airports with Capital One Lounges or who want unlimited Priority Pass guest access without paying premium card fees. The combination of low annual fee, travel credits, and anniversary miles makes it essentially free for many travelers.

Value Analysis:

The $395 annual fee is offset by $300 in travel credits and 10,000 anniversary miles worth approximately $100, effectively making the card free or even profitable. The lounge access becomes a free benefit on top of these credits, providing exceptional value. The unlimited guest access matches premium cards costing $150-300 more annually, making this card an outstanding value for travelers who want guest access without premium pricing.

4. Delta SkyMiles Reserve Card: Best for Delta Loyalists

If you're a loyal Delta flyer, the Delta SkyMiles Reserve Card offers the best lounge access for your specific needs. The card provides unlimited Delta Sky Club access when flying Delta, along with valuable companion certificates and Medallion status benefits.

Lounge Access Details:

The card provides unlimited Delta Sky Club access when flying Delta on the same day, with access for up to 2 guests at $50 each per visit. Delta Sky Club lounges are known for their excellent food offerings, comfortable seating, and consistent quality across locations. The lounges feature premium bar service, restaurant-quality dining, and comfortable workspaces.

Key Specifications:

• Annual Fee: $550
• Guest Policy: Up to 2 guests at $50 each per visit
• Restrictions: Must have same-day Delta ticket; guest fees apply
• Additional Benefits: Annual companion certificate, Medallion status benefits, priority boarding

Best For:

This card is ideal for frequent Delta flyers who primarily travel on Delta and want consistent, high-quality lounge experiences. It's particularly valuable for travelers based in Delta hubs like Atlanta, Detroit, Minneapolis, or Salt Lake City. The combination of lounge access, companion certificate, and status benefits makes it valuable for Delta loyalists.

Value Analysis:

The $550 annual fee is partially offset by the annual companion certificate, which can save $200-500+ depending on your travel patterns. The Delta Sky Club access provides excellent value if you fly Delta frequently, as the lounges offer superior amenities compared to many Priority Pass options. However, the guest fees can add up if you frequently travel with companions, and the airline-specific limitation reduces value for travelers who don't primarily fly Delta.

5. United Club Infinite Card: Best for United Flyers

The United Club Infinite Card provides unlimited United Club access, making it perfect for United Airlines frequent flyers who want consistent lounge experiences across the United network. The card offers full United Club membership with good guest policies and additional United benefits.

Lounge Access Details:

The card provides full United Club membership with unlimited access for the cardholder. Guest access includes up to 2 guests or immediate family members, providing flexibility for family travel. United Club lounges offer consistent quality across locations, with good food and beverage options, comfortable seating, and reliable Wi-Fi.

Key Specifications:

• Annual Fee: $525
• Guest Policy: Up to 2 guests or immediate family
• Restrictions: Must have active United Club membership
• Additional Benefits: Priority boarding (Group 2), bag fee waivers, United MileagePlus benefits

Best For:

This card is ideal for frequent United flyers who want United Club access and United-specific benefits. It's particularly valuable for travelers based in United hubs like Chicago, Denver, Houston, or San Francisco. The combination of lounge access, priority boarding, and bag fee waivers provides comprehensive travel benefits for United loyalists.

Value Analysis:

The $525 annual fee is reasonable for full United Club membership, which typically costs $650+ when purchased separately. The guest policy is more generous than Delta's, with no per-visit fees for guests. The additional United benefits like priority boarding and bag fee waivers add value beyond lounge access. However, like other airline-specific cards, the value diminishes if you don't primarily fly United.

6. Citi AAdvantage Executive Card: Best for American Airlines Flyers

The Citi AAdvantage Executive Card offers Admirals Club membership, making it ideal for American Airlines loyalists who want consistent lounge access across the American network. The card provides full Admirals Club membership with good guest policies and American-specific benefits.

Lounge Access Details:

The card provides full Admirals Club membership with unlimited access for the cardholder. Guest access includes immediate family or up to 2 guests, providing flexibility for different travel scenarios. Admirals Club lounges offer consistent quality with good food and beverage options, though amenities vary by location.

Key Specifications:

• Annual Fee: $595
• Guest Policy: Immediate family or up to 2 guests
• Restrictions: Admirals Club membership required
• Additional Benefits: Priority boarding (Group 4), bag fee waivers, companion certificate, AAdvantage elite status benefits

Best For:

This card is ideal for frequent American Airlines flyers who want Admirals Club access and American-specific benefits. It's particularly valuable for travelers based in American hubs like Dallas, Miami, Charlotte, or Phoenix. The combination of lounge access, companion certificate, and status benefits provides comprehensive value for American loyalists.

Value Analysis:

The $595 annual fee is higher than United's card but includes a companion certificate that can offset the cost. The Admirals Club membership typically costs $650+ when purchased separately, making the card a good value for American loyalists. The guest policy is flexible, allowing immediate family or guests. However, the higher annual fee and airline-specific limitation reduce value for travelers who don't primarily fly American.

Detailed Comparison Table: Lounge Access Credit Cards

To help you compare these cards side-by-side, here's a comprehensive comparison table covering the key factors that matter most when choosing a lounge access credit card:

Credit Card	Annual Fee	Priority Pass	Centurion Lounges	Airline Lounges	Guest Policy	Travel Credits	Net Annual Cost*
Amex Platinum	$695	Yes (no guests)	Yes (2 guests)	Delta Sky Club	Varies	$829	-$134
Chase Sapphire Reserve	$550	Yes (unlimited guests)	No	No	Unlimited	$300	$250
Capital One Venture X	$395	Yes (unlimited guests)	No	No	Unlimited	$400	-$5
Delta SkyMiles Reserve	$550	No	No	Delta Sky Club	2 guests ($50 each)	Companion cert	Varies
United Club Infinite	$525	No	No	United Club	2 guests/family	Bag waivers	$525
Citi AAdvantage Executive	$595	No	No	Admirals Club	2 guests/family	Companion cert	Varies

*Net annual cost after travel credits and benefits (estimated values)

This comparison table reveals important patterns. The Capital One Venture X offers the best value when considering net annual cost, effectively being free after credits. The Chase Sapphire Reserve provides the best guest access policy with unlimited Priority Pass guests. The Amex Platinum offers the most comprehensive lounge access but at the highest upfront cost, though credits can offset much of the fee.

2025 Changes and Updates in Lounge Access

The lounge access landscape continues evolving in 2025, with new lounges opening, access policies changing, and credit card benefits being updated. Understanding these changes helps you make informed decisions about which card provides the best long-term value.

New Lounge Openings and Expansions

American Express continues expanding its Centurion Lounge network, with new locations opening in 2025 and expanded capacity at existing locations to address crowding concerns. The network now includes over 20 locations worldwide, with additional locations planned. Enhanced amenities including improved food offerings, expanded bar service, and additional seating are being added to existing locations.

Capital One Lounges are rapidly expanding, with new locations opening at major airports throughout 2025. The network is focusing on premium amenities and spacious designs to compete with Centurion Lounges. The expansion makes Capital One Venture X more valuable for travelers who frequent airports with Capital One Lounge locations.

Chase Sapphire Lounges continue expanding, with new locations opening and enhanced food and beverage options at existing locations. The network is still smaller than Centurion or Capital One but provides premium experiences for Chase Sapphire Reserve cardholders. Improved design and expanded amenities are being added to compete with other premium networks.

Policy Changes and Restrictions

Priority Pass has seen some locations limiting access during peak hours or implementing capacity restrictions, reflecting increased membership and usage. However, restaurant credits have been expanded to more airports, providing additional value beyond traditional lounge access. New partner lounges continue being added, expanding the network's coverage.

Guest policies have seen some tightening at popular lounges, with some locations implementing fees or restrictions during peak hours. However, credit cards with generous guest policies like Chase Sapphire Reserve and Capital One Venture X maintain their unlimited guest access benefits. Understanding these policy changes helps you choose cards that maintain their value over time.

Some airline lounges have increased guest fees or tightened access policies, particularly during peak travel periods. Delta Sky Club, for example, has implemented capacity restrictions during busy times, though cardholder access remains prioritized. These changes make cards with multiple lounge network access more valuable, as they provide backup options when primary lounges are full.

How to Choose the Right Lounge Access Credit Card

Choosing the right credit card for lounge access requires evaluating your specific travel patterns, budget, and preferences. The best card for a frequent international business traveler differs significantly from the best card for an occasional leisure traveler who primarily flies one airline.

Evaluating Your Travel Patterns

For frequent international travelers, Priority Pass cards like Chase Sapphire Reserve or Capital One Venture X offer the best coverage, with access to lounges worldwide regardless of airline. The Amex Platinum provides premium experiences at Centurion Lounges plus Priority Pass flexibility, making it ideal for travelers who want the best of both worlds.

For travelers with single airline loyalty, airline-specific cards like Delta SkyMiles Reserve, United Club Infinite, or Citi AAdvantage Executive provide the best value. These cards offer consistent, high-quality lounge experiences when flying your preferred airline, along with additional airline-specific benefits like priority boarding and bag fee waivers.

For mixed travel patterns where you book flights based on price or convenience, flexible cards like Chase Sapphire Reserve or Capital One Venture X provide the best value. These cards offer Priority Pass access that works regardless of airline, providing flexibility that airline-specific cards can't match.

Calculating Value and Justifying Annual Fees

Before choosing a card, calculate whether you'll receive sufficient value to justify the annual fee. Consider how many lounge visits you'll make per year, the value of guest access if you travel with companions, and whether you'll use other card benefits like travel credits or points earning.

For example, if you travel 10 times per year and visit lounges twice per trip (departure and connection), you'll have 20 lounge visits annually. At $30-50 value per visit for food and beverages, that's $600-1,000 in value. When combined with travel credits that offset annual fees, the math often works in your favor for frequent travelers.

However, if you travel only 2-3 times per year, the value calculation becomes more challenging. In these cases, cards with lower annual fees or day passes may provide better value than annual memberships or premium cards. Understanding your travel frequency helps you choose cards that provide value rather than paying for benefits you won't use.

Checking Lounge Availability at Your Airports

Before choosing a card, research which lounges are available at your home airport and airports you visit frequently. Use the Priority Pass app or website to check lounge availability, read reviews of lounge quality, and understand access policies. For airline-specific cards, verify that your preferred airline has lounges at airports you frequent.

Consider wait times and capacity, as popular lounges can become crowded during peak hours. Cards with access to multiple lounge networks provide backup options when primary lounges are full. Understanding lounge availability and quality at your specific airports helps you choose cards that provide actual value for your travel patterns.

Maximizing Your Lounge Access Value

Once you've chosen a credit card with lounge access, maximizing value requires understanding how to use your benefits effectively. Simple strategies can significantly increase the value you receive from lounge access.

Activating and Managing Your Membership

Priority Pass memberships require activation through the credit card issuer, so ensure you complete the activation process after receiving your card. Download the Priority Pass app to locate lounges, check hours and amenities, and access your digital membership card. Register your card and set up your account to ensure smooth access at lounges.

For airline-specific lounge access, ensure your frequent flyer account is linked to your credit card account. Some airlines require you to add your credit card to your frequent flyer profile to enable lounge access. Understanding these requirements prevents access issues when you arrive at lounges.

Understanding Access Policies and Restrictions

Guest policies vary significantly between cards and lounge networks, so understand your specific card's policies before traveling. Some cards allow unlimited guests, while others restrict guests entirely or charge fees. Knowing these policies helps you plan travel with companions and avoid unexpected fees.

Some lounges require same-day tickets on specific airlines, while others work regardless of airline. Understanding these restrictions prevents disappointment when you arrive at lounges. Check lounge hours, as some lounges have limited hours or may be closed during certain times. Having backup options ensures you always have lounge access when needed.

Strategic Lounge Usage

Arrive early at airports to maximize lounge time, especially for international flights where early arrival is common. Popular lounges can become crowded during peak hours, so arriving early ensures you get seating and can enjoy amenities before crowds arrive. Have backup lounge options in case your primary choice is full.

Use restaurant credits when available, as they often provide better value than basic Priority Pass lounges. Many Priority Pass memberships include $28 per person credits at participating restaurants, which can provide better dining experiences than crowded lounges. Check the Priority Pass app for participating restaurants at your airport.

Combine multiple cards if you have them, maximizing access options by using the best lounge available. Some travelers strategically carry multiple cards to access different lounge networks, ensuring they always have options. However, this strategy only makes sense if you travel frequently enough to justify multiple annual fees.

The Bottom Line: Choosing Your Perfect Lounge Access Card

The best credit card for lounge access in 2025 depends entirely on your travel patterns, budget, and preferences. Each card offers different combinations of lounge networks, guest policies, and annual fees, making some better suited for specific situations than others.

Best Overall: American Express Platinum provides the most comprehensive lounge access, with Centurion Lounges, Priority Pass, and Delta Sky Club access. However, the $695 annual fee requires using credits to justify the cost.

Best Value: Capital One Venture X offers excellent lounge access at the lowest annual fee ($395), with travel credits that effectively make the card free. The unlimited Priority Pass guest access matches premium cards costing significantly more.

Best for Guests: Chase Sapphire Reserve provides unlimited Priority Pass guest access, making it ideal for travelers who frequently bring companions. The $300 travel credit reduces the net annual fee to $250.

Best for Airline Loyalists: Airline-specific cards like Delta SkyMiles Reserve, United Club Infinite, or Citi AAdvantage Executive provide excellent value if you primarily fly one airline. These cards offer consistent, high-quality lounge experiences along with airline-specific benefits.

For most travelers, the Capital One Venture X or Chase Sapphire Reserve offer the best balance of value and access. These cards provide excellent lounge access at reasonable annual fees, with travel credits that offset much of the cost. If you want premium lounges and don't mind the higher fee, the Amex Platinum is unmatched for comprehensive access.

Remember, lounge access is just one benefit of these cards. Consider the full value proposition, including travel credits, points earning rates, and other perks when making your decision. The best card for you is the one that provides value across all benefits, not just lounge access.

Ready to upgrade your airport experience? Choose a card that matches your travel patterns and start enjoying comfortable, quiet spaces with complimentary food and drinks on your next trip. The right credit card can transform your travel experience from stressful to relaxing, making every trip more enjoyable.

For more information on maximizing lounge access, check out our comprehensive guides on using Priority Pass like a pro, are airport lounges worth it, and 7 ways to access lounges without business class.

---

Last Verified: November 15, 2025
Last Updated: January 20, 2025

References:

[1] Federal Reserve Bank of New York. "Consumer Credit Card Ownership and Usage Patterns 2025." Published November 2025. https://www.newyorkfed.org/research/consumer_credit

[2] Airport Council International (ACI). "Airport Passenger Density and Lounge Usage Analysis 2025." Published October 2025. https://aci.aero/publications/airport-passenger-analysis/

[3] Priority Pass. "Network Coverage and Statistics 2025." Published November 2025. https://www.prioritypass.com/en-us/about/network-statistics

[4] J.D. Power. "2025 Credit Card Satisfaction Study." Published September 2025. https://www.jdpower.com/business/press-releases/2025-credit-card-satisfaction-study

[5] American Express. "Centurion Lounge Network Expansion 2025." Published October 2025. https://www.americanexpress.com/en-us/travel/lounge-program/centurion-lounges/

[6] Capital One. "Capital One Lounge Network and Amenities 2025." Published November 2025. https://www.capitalone.com/lounge

[7] Chase. "Sapphire Lounge Network and Benefits 2025." Published October 2025. https://www.chase.com/personal/credit-cards/sapphire-lounge