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8 ways to get airport lounge access.

One of the least desirable places to hang out is usually an airport. They can be loud, crowded and uncomfortable. If you find yourself stuck with a long layover or a delayed flight, you know it's going to be a draining day. This is exactly why airport lounges are becoming so popular, and in some cases, more accessible than you might think.

Lounges are separate areas inside the airport where members and their guests can go to relax and escape the crowds. They can include amenities and comforts that you won't find in the main terminal. With perks such as free food and spacious seating, you may find that once you start visiting airport lounges, you'll want to go back again and again.

But how do you get in? And what are the various membership options?

In this article, we've broken down 8 ways to get access to an airport lounge.

1) Buy Priority Pass

Priority Pass™ is a global network of independently owned airport lounges. These lounges are available in approximately 1,500 locations in more than 600 airports in 148 countries. With that kind of footprint, you may be flying through an airport with a lounge participating in Priority Pass. Each lounge is slightly different in layout and features, but usually includes amenities such as free food, Wi-Fi and comfortable places to relax.

If you buy a Priority Pass membership , you're able to utilize their participating lounges regardless of the airline you're flying or the class of your ticket.

Priority Pass offers three membership levels to choose from. The one that's best for you depends on your travel preferences and frequency:

• Standard: $99 annual fee plus $35 per member visit. Guests are also $35 per visit.
• Standard Plus: $329 annual fee, members get 10 free visits then $35 for each visit after that. Guests are also $35.
• Prestige: $469 annual fee, all visits are free for members. Guests are $35 per visit.

Pro travel tip: If you are able to estimate how many times you plan to travel in a year, you might be able to figure out your ideal membership level. 

2) Get a credit card with airport lounge access

Many popular travel rewards credit cards come with airport lounge access as one of the benefits. The level of luxury will vary from card to card, as will the associated rewards, discounts and annual fees. But many cardmembers find this potentially long list of travel benefits are worth the annual fee. For example, you may be able to earn points for every eligible purchase you make with that credit card.

While a Priority Pass membership may come complimentary with certain credit cards, these cards usually have an annual fee to consider before deciding to apply.

Check to see if your travel rewards credit card already has airport lounge access as a benefit, or do some research to find one that fits your lifestyle and spending habits. 

3) Purchase an airline-specific loyalty membership

Some airlines have their own branded airport lounges — such as Delta and American. If you live near an airline's hub city or fly that airline frequently, buying an airline-specific loyalty membership may make the most sense for you.

Some airlines offer reciprocal access to their alliance or partner clubs, such as Star Alliance, which has 26 member airlines in its international network.

Airline-specific lounge memberships can range in cost and may have annual fees as well.

Pro travel tip: Before purchasing a membership like this, you may want to ensure the airline you're considering has airports and lounges in the cities you are traveling to most often.

4) Get a day pass

If you're an infrequent traveler but still love the idea of chilling out in a lounge whenever you're at an airport, you may be able to buy a onetime day pass to your airline's lounge. Day passes typically range between $29 and $75. You can book a pass in advance on the lounge's website or purchase one at the door, though you may be denied entry if they're at capacity.

This is a great way to indulge in the benefits of a lounge without paying for the full membership or a first class ticket. Not being tied down to one type of lounge keeps things flexible. Plus, a few hours of comfort and free snacks may be worth every penny.

Pro travel tip: Arrive an hour or two earlier than usual to purchase a day pass and decompress in the lounge before hopping on your plane.

5) Earn elite or loyalty status with an airline

If you have a preferred airline that you travel with often, you could sign up for their loyalty program. This may allow you to earn points every time you fly. Over time, those points may be redeemed for discounted flights and they may also give you a certain status level with that airline.

6) Be a guest of somebody with lounge access

If you're traveling with someone who has a lounge membership, you're in luck. Most lounges allow guests, which means you can enjoy all the amenities while you are traveling with that person.

Guest policies vary greatly depending on the airline, the membership status and the type of lounge. Some let guests in for free while others charge a fee which typically ranges between $25 and $65 per person. You'll typically find that children age 2 or younger are admitted at no charge.

Pro travel tip: Airport lounges have become more popular in recent years. To avoid letting the lounges get too crowded (the exact opposite of their intended use), guest policies have been tightening. Be sure to do your homework on the guest policies of the lounge you'll be traveling through before assuming you'll get that R&R with your travel companion!

7) Access an airport lounge as an active military member

Most airport lounges offer free or discounted access to members of the military and their families. Depending on the lounge, the requirements for entry may vary such as having to be in uniform or be on active orders. Some only require your military ID and boarding pass to enter. You'll want to review the policies of the lounge you intend to visit in advance of your trip.

Pro travel tip: Some credit cards may waive their annual fees for members of the military.

8) Get access through an airline's co-branded credit card

Again, if you're loyal to one airline, you may find that signing up for their co-branded credit card gives you tons of perks with that airline as well as a way to earn points a bit faster than you otherwise would. These cards do often come with an annual fee though, so you'll want to understand any potential fees before applying.

A few advantages of co-branded airline cards include:

• Welcome bonus. Many cards offer new cardmembers a welcome bonus, in the form of points, for signing up and spending a certain amount of money during the introductory period. Be sure to check the terms of the card you are interested in applying for.
• Rewards points. These points are usually earned on travel purchases as well as everyday purchases. Most cards offer at least 1 reward mile (or point) per dollar spent. In certain categories or when used to purchase travel on that airline, the rewards points can be even higher.
• Travel perks. This includes things like priority boarding and free checked bags and can vary by card.
• Status promotion. Airline cards may get you to a higher loyalty status tier. Some premium airline credit cards include an automatic bump to higher airline loyalty program status. A higher status can mean better seats when you fly, early boarding, or free checked bags.

Pro travel tip: Track your spending and decide if an airline credit card is best, or more of a general travel credit card aligns better with your lifestyle. Airline card rewards are highly specific to air travel, so they may not be the best choice if you don't take to the skies often.

In conclusion

Airport lounges are becoming more accessible to everyday travelers rather than being reserved for big spenders or first class ticket holders. However, that doesn't mean standards or amenities have been reduced. Most airport lounges are still quiet oases of relaxation and modest luxury, graciously removed from the clutter and chaos of the typical airport terminal.

There are many ways for today's traveler to snag an airport lounge pass. Day passes may be a good option if you're an infrequent traveler and don't want to purchase a full lounge membership. Or you may want to apply for a travel credit card that offers complimentary membership to a network of lounges. Lastly, you may want to sign up for airline loyalty programs where you can work toward earning a higher status each time you fly with that airline.

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Explore all the benefits of Sapphire Reserve

Rewards to inspire your next adventure.

The Chase Sapphire Reserve card makes every purchase rewarding. Make your journey memorable with travel perks, private dinners, and VIP access at sought-after events. Explore your complete Guide to Benefits or learn more about your benefits below.

01          Travel

Get closer to your happy place

Earn points as you seek out new destinations. Book a hotel, make the most of airfare, hail rides around town and more.

$300 Travel Credit

Get reimbursed for up to $300 in travel purchases you make with your Sapphire Reserve card 1 each year. Each year, your first $300 in travel purchases will not earn rewards points. 2

Book through The Edit SM

Experience distinct benefits at a curated collection of hotels and resorts when you book through The Edit by Chase Travel SM , an exclusive benefit for Sapphire Reserve cardmembers. 7

10x on hotels through Chase Travel

Earn 10x total points on hotels (excluding The Edit) and car rentals purchased through Chase Travel after the first $300 is spent on travel purchases annually. 1

5x points on flights through Chase Travel

Earn 5x total points on flights purchased travel through Chase Travel after the first $300 is spent on travel purchases annually. 1

3x points on travel

Enjoy the trip even more with bonus points on travel purchases like airfare and hotels. 1

Unlimited points

There is no limit to the number of points you can earn. Points don’t expire as long as your account is open. 1

Enjoy more premium travel rewards

When you travel with Sapphire, plan on benefits ranging from generous statement credits to access to luxury properties worldwide.

Global Entry or TSA PreCheck ®  or NEXUS fee credit

Receive a statement credit of up to $100 every four years as reimbursement for the application fee charged to your Sapphire Reserve card. 5

No blackout dates or restrictions

Book travel through Chase Travel and if a seat’s available, it’s yours.

No foreign transaction fees

Pay no foreign transaction fees when you use your card outside the United States. 6 For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Elite hotel benefits at Relais & Châteaux

Enjoy great benefits like a VIP welcome and complimentary breakfast daily at select properties with Relais & Châteaux, a prestigious collection of luxury properties in over 60 countries. Call the Visa Infinite Concierge at 1-877-660-0905 for more details and to book your stay. 8

Special car rental privileges

Enroll in leading car rental rewards programs from National Car Rental, Avis and Silvercar. Log in to Chase Travel to access the special car rental privileges section of your travel benefits page to book with your card. Enjoy enhanced benefits, such as upgrades and car rental discounts, savings on luxury and premium rental car rates, plus promotions and other offers. 9

Ennismore hotel benefits

Your card gets you VIP access to benefits at Delano, Hyde, Mondrian, Morgans Originals and SLS hotels and resorts around the world. Cardmembers can stay a little longer with a complimentary 4th night, receive room upgrades and late check outs, along with priority access to cabana reservations, a $30 food and beverage credit and much more. 10

Free Lyft Pink

Get 2 complimentary years of Lyft Pink All Access when activated by Dec 31, 2024—a value of $199/year. 3 This includes member-exclusive pricing, free Priority Pickup upgrades, discounts on bikeshare and more. Membership auto-renews.

Don't forget as a Sapphire Reserve cardmember you'll still earn 10x total points on Lyft rides through March 2025. 4 That’s 7x points in addition to the 3x points you already earn on travel. That’s 7x points in addition to the 3x points you already earn on travel. Activate Lyft Pink All Access

02          Dining

Indulge in worldwide dining experiences

Whether visiting your local bistro or a restaurant on your bucket list, there are always special dining rewards with Sapphire Reserve.

Private dining series

Sit down for a memorable meal at some of the most sought-after restaurants in the country.

3x points on dining

Earn triple the points at restaurants, including takeout and eligible delivery services with your Sapphire Reserve card. 1 From Sunday brunch to a birthday dinner, meals out mean more rewards.

DoorDash & Caviar benefits

Takeout tastes even better with a complimentary DashPass membership on both DoorDash and Caviar. You’ll pay no delivery fee and lower service fees on eligible orders for a minimum of one year. Activate by Dec. 31, 2024 12 . Plus, as a DashPass member get a $5 monthly DoorDash credit automatically applied at checkout 13 .

Instacart benefits from Sapphire

Skip the trip and have your groceries delivered to your doorstep with 1 year of complimentary Instacart+. 14 In addition, Instacart+ members earn up to $15 in statement credits each month through July 2024. 15 Membership auto-renews. Terms apply.

03           Ultimate Rewards ®

Get the most from your rewards

Enjoy the flexibility of booking airfare, hotels and car rentals through Chase Travel or transfer points to other travel programs.

More value with travel redemption

Your points are worth 50% more when you redeem them for airfare, hotels, car rentals and cruise lines through Chase Travel—our easy-to-use portal that helps you maximize your travel spending. For example, 50,000 points are worth $750 toward travel. 16

Worldwide travel assistance

Whether you need help booking travel or modifying a reservation count on the full-service support of the Chase Travel team.

1:1 point transfer to leading frequent travel programs

Transfer points to participating frequent travel programs at a full 1:1 value—that means 1,000 points equals 1,000 partner miles/points.

No travel restrictions or blackout dates on airline tickets booked through Chase Travel.

1 point per $1 spent on all other purchases

In addition to earning 3 points per dollar on travel and dining at restaurants, you’ll earn 1 point for every dollar you spend on all your other purchases. 1

Flexibility

You can book airfare, hotels and car rentals through Chase Travel using your Sapphire Reserve card, your points or a combination of both—it's up to you.

More ways to get the most from your rewards

Redeem your points for statement credits, gift cards or choose from other flexible ways to make your points work for you.

Shop through Chase ®

Shop online with brands you already love. Earn 1x–15x bonus points at more than 450 popular retailers with Shop through Chase. 16

25% more value with Pay Yourself Back ®

Redeem points for statement credits toward your annual fee and eligible purchases for gas, wholesale clubs, and pet supplies & services by June 31, 2024.

Choose from a selection of over 150 gift cards from some of your favorite retailers and more.

Pay with points

Use your points to pay for all or part of your purchases with popular brands like Apple ® 19 and Amazon.com. 20

04          Lounges

Relax with airport lounge access

With access to Chase Sapphire Lounge by The Club and Priority Pass lounges, each trip becomes an invitation to indulge before you get there.

Enjoy complimentary Priority Pass TM Select membership

Departing for your destination is more relaxing with access to 1,300+ Priority Pass airport lounges in 600+ cities around the world, plus every Sapphire Lounge by The Club, after a one- time enrollment in Priority Pass Select.

Visit Sapphire Lounge by The Club

Relax and refresh at a Sapphire Lounge and enjoy locally inspired menus, a curated selection of beverages, an atmosphere to remember and more. Sapphire Reserve cardmembers, ensure you're enrolled in your complimentary Priority Pass Select membership for lounge access.

The Reserve Suites by Chase

Reserve cardmembers, treat yourself to The Reserve Suites at Sapphire Lounge by The Club at LaGuardia Airport in Terminal B. Enjoy caviar service on arrival, specially curated wine lists by Parcelle, exclusive menus by Jeffrey's Grocery, private bathrooms with spa showers and more. Chase Sapphire Reserve cardmembers can book a suite for a fee up to 72 hours prior to flight departure. Find details on the Chase Mobile ® app in Benefits & Travel. The Reserve Suites are limited and subject to availability.

05          Protection

Travel with peace of mind 22

When you take to the air or hit the road, we make security a priority. Here are some of the protection services built into your Sapphire Reserve card benefits.

Trip Cancellation / Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.

Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Travel Accident Insurance

When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.

Sapphire Reserve Benefits Guide

These are just some of the protection services built into your Sapphire Reserve card benefits. Your Guide to Benefits has more of what you need to know about your travel and purchase protection benefits.

Account security and protection

Your Sapphire Reserve card is equipped with the enhanced account and purchase protection you deserve.

Zero Liability Protection 23

Zero Liability Protection means you won’t be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card.

Fraud protection

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

Fraud alerts

We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card. 24 Please sign in to chase.com and review your personal details to ensure your mailing address, phone and/or email are up to date.

Return Protection

You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item, $1,000 per year. 22

Extended Warranty Protection

Extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of 3 years or less. 22

Chip-enabled for enhanced security and wider acceptance

A credit card with an embedded chip provides enhanced security and wider acceptance when you make purchases at chip-enabled card readers in the U.S. and abroad.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year. 22

06          Events

Exclusive access to events and experiences

Sapphire cardmembers enjoy priority ticketing and the best seats in the house for a wide range of events.

Reserved by Sapphire SM 

Explore one-of-a-kind experiences from private dinners hosted by award-winning chefs to VIP access at the most sought after events. See where your Sapphire Reserve card can take you.

Events and experiences lounges

Enjoy comfortable seating at Chase Sapphire events in prime locations, complimentary food and drinks, plus a range of amenities, such as a dining concierge, charging stations, Wi-Fi and more.

Early-access tickets

Beat the crowds. Get your tickets to concerts and sporting events before they sell out.

Priority seating

Get up close to the court or the stage. Sapphire Reserve cardmembers can experience events from the best seats in the house.

07          Wellness

Earn 10x total points on Peloton

Work out your way — from HIIT rides to walks and hikes to strength training, and more: Get 10x total points on Peloton equipment and accessory purchases over $150 with a max earn of 50,000 points. Shop Peloton Bikes, Tread, Guide, or Row. Offer ends Mar. 31, 2025. 25

Shop Peloton

08          Services

Personalized assistance for Sapphire cardmembers

Turn to Sapphire for help coordinating travel, restaurant reservations, access to entertainment and more complimentary assistance and referrals.

24/7 access to customer service

Talk to a dedicated specialist whenever you need assistance. Simply call the number on the back of your card.

Visa Infinite Concierge Service 26

Contact Visa Infinite Concierge at 1-877-660-0905 for help with dinner reservations or Broadway, music and sporting event tickets.

Travel and emergency assistance

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

Easily get more from your Sapphire experience

From mobile account access to contactless payment, cardmembers can enjoy many safe and convenient features.

Manage your account with ease

Create an account on chase.com and download the Chase Mobile ® app 27 to check account and points balances, pay bills and more.

Tap-to-pay contactless checkout

Simply tap to pay with your contactless Chase Sapphire card. Just look for the Contactless Symbol at checkout, then tap your contactless card on the checkout terminal. It's fast, easy and secure!

Add an authorized user

Maximize your reward earning potential by adding an authorized user to your account. 28

Go paperless

Get your statement online. Safely access up to 6 years of statements online. It's secure, convenient and reduces clutter.

Convenient ways to pay

Load your card into a digital wallet for a quick and secure way to pay with your mobile device and receive all the benefits and rewards of using your Sapphire Reserve card.

Earn points automatically

Grow your points balance by using your card as the primary payment method for:

• Online checkout Add your card to your favorite shopping apps and online merchants to conveniently build up your points balance.
• Monthly bills Use your card to make auto payments for monthly bills (e.g., cell phone and utility bills). 29

Redeem for travel

Use points toward your next getaway—they’re worth 50% more when you redeem them for travel through Chase Travel.

Pay Yourself Back ®

Your points have more value when you redeem them for statement credits after making eligible purchases on gas, wholesale clubs, and pet supplies & services by June 31, 2024.

Chase Dining SM

Order takeout at popular eateries around town or make reservations at restaurants, wineries and bars across the country.

There's so much for you

More Sapphire Offers

There’s so much more to make yours—top benefits, offers and experiences for Sapphire Reserve cardmembers.  

Reserved by Sapphire SM

Your Sapphire Reserve card opens new doors to more flavors, sights and sounds. Explore the extraordinary lineup of experiences—including culinary, sports, music and entertainment.  

Refer-A-Friend

Earn up to 75,000 bonus points per year by referring friends to either Chase Sapphire ® card.  

Already a Sapphire cardmember?

Sign in to view your account, access exclusive content and take advantage of your Sapphire benefits.

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Introducing Chase Travel

Seamlessly book your best trip yet. Choose from coveted hotels and convenient flights, then add car rental and must-do local experiences at the reimagined chasetravel.com .

Start planning

Chase Sapphire Reserve ® Credit Card

New cardmember offer, 60,000 bonus points, at a glance, exceptional travel rewards and benefits.

Travel Credit Card Rewards & Benefits

after you spend $4,000 on purchases in the first 3 months from account opening. * Opens offer details overlay That's $900 toward travel when you redeem through Chase Travel SM .

This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months.

$1,000 in additional partnership benefit value

Take advantage of over $1,000 in partner value Opens overlay. with Sapphire Reserve. * Opens offer details overlay

$300 Annual Travel Credit

Take advantage of the most flexible travel credit available Opens overlay. by receiving up to $300 in statement credit reimbursements each anniversary year for more of your travel purchases than any other card. * Opens offer details overlay

More ways to earn

Earn 5x total points on flights when you purchase travel through Chase Travel after the first $300 is spent on travel purchases annually. * Opens offer details overlay

Earn 10x total points on hotels (excluding The Edit SM ) and car rentals when you purchase travel through Chase after the first $300 is spent on travel purchases annually. * Opens offer details overlay

Earn 3x points on dining at restaurants, including eligible delivery services, takeout, and dining out. Plus earn 3x points on other travel worldwide after the first $300 is spent on travel purchases annually. * Opens offer details overlay

Earn 10x total points on Chase Dining purchases with Ultimate Rewards ® . * Opens offer details overlay

Get 50% more value when you redeem for travel through Chase. For example, 60,000 points are worth $900 toward travel. * Opens offer details overlay Plus, ultimate rewards points do not expire as long as the account is open. * Opens offer details overlay

Complimentary Airport Lounge Access

Complimentary access to 1,300+ airport lounges worldwide with up to two guests, plus every Chase Sapphire Lounge by The Club location, after an easy one-time enrollment in Priority Pass ™ Select. * Opens offer details overlay

Global Entry or TSA PreCheck ® or NEXUS Fee Credit

Receive one statement credit of up to $100 every four years as reimbursement for the application fee charged to your card. * Opens offer details overlay

Explore Additional Benefits

Refer Friends

if you already have either Chase Sapphire ® Credit Card!

Earn up to 75K bonus points per year

Click the button below to start referring.

Cardmember Reviews

This card has been fantastic. The sign up bonus was amazing. Great value added.

Amazing Travel Card

I am obsessed with this card. The points are so easy to earn and so easy to redeem. I love how easy it is to transfer to travel partners, and so many of them! As a military family, we have used the travel protection when we get surprise orders after booking a trip. Keep up the great work, Chase!

Awesome Travel Credit Card

I travel every week for business and several times a year for family vacation. No card has the benefits or service or reward points that the Chase Sapphire Reserve card offers. If you travel, you must have this card in your wallet. It's a must have. Thank you to the Chase Team for offering such an amazing travel card...

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Your points get you more, turn points into travel experiences and so much more, 50% more in travel redemption.

Get 50% more value when you redeem for travel through Chase Travel. For example, 60,000 points are worth $900 toward travel. * Opens offer details overlay

No Blackout Dates or Travel Restrictions

As long as there's a seat on the flight or room at the hotel, you can book it through Chase Travel.

1:1 Point Transfer

Transfer your points to leading airline and hotel loyalty programs at 1 to 1 value. That means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points.

Ultimate Rewards Points Do Not Expire

Ultimate Rewards points do not expire as long as the account is open.

No foreign transaction fees

You will pay no foreign transaction fees when you use your card for purchases made outside the United States. † Opens pricing and terms in new window For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Elevate your travels from door to door

Automatically receive up to $300 in statement credits as reimbursement for travel purchases charged to your card each account anniversary year. * Opens offer details overlay

The Edit SM

Book through The Edit SM and discover a curated collection of inspired stays with cardmember benefits including daily breakfast for two, a $100 property credit, room upgrades (upon availability) and more. * Opens offer details overlay

Reserved by Sapphire

Explore the extraordinary lineup of experiences * Opens offer details overlay —including culinary, sports, music and entertainment.

Your Sapphire Reserve Visa Infinite card unlocks special car rental benefits

Enjoy VIP amenities, complimentary status upgrades, and discounts with Avis ® , Hertz ® , National ® and Audi On Demand when you book with your Sapphire Reserve Visa Infinite card. * Opens offer details overlay

Travel protection

The most comprehensive suite of travel benefits, auto rental collision damage waiver.

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad. ^ Same page link to disclaimer

Trip Cancellation / Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and 20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels. ^ Same page link to disclaimer

Trip Delay Reimbursement

If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket. ^ Same page link to disclaimer

Travel Accident Insurance

When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000. ^ Same page link to disclaimer

Travel and Emergency Assistance Services

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. (You will be responsible for the cost of any goods or services obtained.) ^ Same page link to disclaimer

Lost Luggage Reimbursement

If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger. ^ Same page link to disclaimer

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days. ^ Same page link to disclaimer

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000. ^ Same page link to disclaimer

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year. ^ Same page link to disclaimer

Emergency Medical and Dental Benefit

If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured. ^ Same page link to disclaimer

^ Same page link to disclaimer reference These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

Partner benefits

Earn more points.

Earn 10x total points on Lyft rides. * Opens offer details overlay Plus, get a complimentary 2 year Lyft Pink All Access membership including member-exclusive pricing and benefits – activate by Dec 31, 2024. Membership auto renews annually. * Opens offer details overlay

Earn 10x total points on Peloton equipment and accessory purchases over $150 with a max earn of 50,000 total points now through March 31, 2025. * Opens offer details overlay

DashPass subscription

Get complimentary access to DashPass – a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of one year when you activate by December 31, 2024. * Opens offer details overlay With DashPass you also get $5 in DoorDash credits each month, redeemed at checkout. * Opens offer details overlay

Instacart benefit * Opens offer details overlay

Skip the trip and have your groceries delivered to your doorstep with 1 year of complimentary Instacart+. * Opens offer details overlay Plus, Instacart+ members earn up to $15 in statement credits each month through July 2024. Membership auto-renews. * Opens offer details overlay

Purchase coverage

Purchase protection.

Your new purchases will be covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per year. ^ Same page link to disclaimer

Return Protection

You can be reimbursed for eligible items that the store won't take back within 90 days of purchase, up to $500 per item, $1,000 per year. ^ Same page link to disclaimer

Chip-enabled for enhanced security

You’ll carry a credit card with an embedded chip that provides enhanced security and wider acceptance when you make purchases at chip-enabled card readers in the U.S. and abroad.

24/7 Fraud Monitoring

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card. * Opens offer details overlay

Zero liability protection

You won’t be held responsible for unauthorized charges made with your card for account information. If you see an unauthorized charge, simply call the number on the back of your card. * Opens offer details overlay

Extended warranty protection

Extends the time period of U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less. ^ Same page link to disclaimer

Chase Pay Over Time SM

Chase Pay Over Time * Opens offer details overlay lets eligible Chase customers break up credit card purchases into budget friendly payments. There are two potential ways to pay over time:

After purchase: Pay off an eligible purchase you've already made of $100 or more * Opens offer details overlay in smaller, equal monthly payments. No interest - just a fixed monthly fee † Opens pricing and terms in new window with plan durations that range from 3-24 months. Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card account activity.

At checkout: Chase credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more * Opens offer details overlay using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time. You will be able to view Chase Pay Over Time plan options (including the fixed APR and durations) at checkout.

Keep in mind: Even though you may have an eligible card, access to Chase Pay Over Time is not guaranteed. Your ability to create a Chase Pay Over Time plan is based on a variety of factors, such as your creditworthiness, credit limit and account behavior, and may change from time to time.

For more information on Chase Pay Over Time features, please visit chase.com/chasepayovertime Opens in a new window .

Apply for a card, use it the same day

Receive instant access to your card by adding it to a digital wallet, like Apple Pay ® , Google Pay ™ or Samsung Pay. Find out how at chase.com/digital/spend-instantly Opens in a new window .

$300 Travel Credit

Merchants in this category include airlines, hotels, motels, timeshares, car rentals agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages. Some merchants that provide transportation and travel-related services are not included in this category; for example, real estate agents, educational merchants arranging travel, in-flight goods and services, on-board cruise line goods and services, sightseeing activities, excursions, tourist attractions, RV and boat rentals, merchants within hotels and airports, public campgrounds and merchants that rent vehicles for the purpose of hauling. Purchases from gift card merchants or merchants that sell points or miles will not qualify in the travel category. * Opens offer details overlay

Reserve Partner Value Modal

Lyft Pink Membership

Get 2 complimentary years of Lyft Pink All Access when activated by Dec. 31, 2024 —a value of $199 /year. This includes 10% off Lux rides, free Priority Pickup upgrades discounts on bikeshare and more. Membership auto-renews. * Opens offer details overlay You'll also earn 10x total points on Lyft rides through March 2025. * Opens offer details overlay

DoorDash DashPass Subscription

Get a complimentary access to DashPass - a membership for both DoorDash and Caviar —a value of $120 for 12 months - which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of 12 months when you activate by Dec 31, 2024. * Opens offer details overlay

Monthly DoorDash Credit

Get $5 in DoorDash credits each month through Dec 31, 2024, redeemed at checkout. * Opens offer details overlay

Instacart Membership

Skip the trip and have your groceries delivered to your doorstep with 1 year of complimentary Instacart+ —a value of $99 /year. Activate by July 31, 2024. Membership auto-renews. * Opens offer details overlay

Monthly Instacart Credit

Instacart+ members earn up to $15 in statement credits each month through July 2024. * Opens offer details overlay

Priority Pass Select Membership

Enjoy a complimentary Priority Pass Select membership at 1,300+ VIP airport lounges worldwide —a value of $469 /year. * Opens offer details overlay

10x on Peloton Purchases

Earn 10x total points on Peloton equipment and accessory purchases over $150 through March 31, 2025. * Opens offer details overlay That's $150 when you purchase a Peloton Bike and redeem for cash.

DoorDash Dashpass Subscription

Get complimentary access to DashPass – a membership for both DoorDash and Caviar —a value of $96/year - which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2024. * Opens offer details overlay

Skip the trip and have your groceries delivered to your doorstep with 6 months of complimentary Instacart+ —a value of $60 value . Activate by July 31, 2024. Membership auto-renews. * Opens offer details overlay

Quarterly Instacart Credit

Sapphire Preferred Instacart+ members earn up to $15 in statement credits each quarter through July 2024. * Opens offer details overlay

5x on Peloton Purchases

Earn 5x total points on Peloton equipment and accessory purchases over $150 through March 31, 2025. That's $75 when you purchase a Peloton Bike and redeem for cash. * Opens offer details overlay

5x total points on Lyft

Earn 5x total points on Lyft rides through  March 31, 2025. That's 3x points in addition to the 2x points you already earn on travel. * Opens offer details overlay

Offer Details

Offers may vary depending on where you apply, for example online or in a branch, and can change over time. to take advantage of this particular offer now, apply through the method provided in this advertisement. review offer details before you apply..

60,000 Bonus Points After You Spend $4,000 On Purchases In The First 3 Months From Account Opening: The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products. To qualify and receive your bonus, you must make Purchases totaling $4,000 or more during the first 3 months from account opening. ("Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

$300 Annual Travel Credit: A statement credit will automatically be applied to your account when your card is used for purchases in the travel category, up to an annual maximum accumulation of $300. Annual means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. (For applications submitted before May 21, 2017, annual means the year beginning with your account open date through the first December statement date of that same year, and the 12 billing cycles starting after your December statement date through the following December statement date each year.) Call the number on the back of your card to see when you are eligible for your next $300 Annual Travel Credit. Purchases are when you, or an authorized user, use a card to make purchases of products and services. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. We do not determine whether merchants correctly identify and bill transactions as being of a certain type. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window . Statement credit(s) will post to your account the same day your travel category purchase posts to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. The Annual Travel Credit will be issued for the year in which the transaction posts to your account. For example, if you pay for baggage fees, but the airline does not post the transaction until after the current annual period ends, the cost of the baggage fees will be allocated towards the following year's Annual Travel Credit maximum of $300.

Earning Points: Rewards Program Agreement: For more information about the Chase Sapphire Reserve rewards program, view the latest Rewards Program Agreement (PDF) Opens in a new window . We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com/ultimaterewards Opens in a new window . How you can earn points: You'll earn points on purchases of products and services, minus returns or refunds, made with a Chase Sapphire Reserve credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn points: any purchases that qualify for the $300 Annual Travel Credit, balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 3 points ("3X points") on travel purchases: You'll earn 3 points for each $1 spent on purchases made in the travel category after the $300 Annual Travel Credit is earned. 5 points ("5X points") on Chase Travel airline ticket purchases: You'll earn 5 points total for each $1 spent on airline ticket purchases made using your card through Chase Travel after the $300 Annual Travel Credit is earned in the travel category (2 additional points on top of the 3 points earned on each purchase in the travel category). 10 points ("10X points") on Chase Travel hotel accommodation and car rental purchases: You'll earn 10 points total for each $1 spent on qualifying hotel accommodation and car rental purchases made using your card through Chase Travel after the $300 Annual Travel Credit is earned in the travel category (7 additional points on top of the 3 points earned on each purchase in the travel category). Hotel accommodation purchases made using your card with The Edit (previously The Luxury Hotel & Resort Collection) will qualify to earn 3 points for each $1 spent in the travel category, but will not qualify to earn 7 additional points for each $1 spent. Any purchases that qualify for the $300 Annual Travel Credit, won't earn points. "$300 Annual Travel Credit" means the statement credit that is automatically applied to your account annually on purchases made using your card in the travel category, up to an annual maximum accumulation of $300. "Annually" means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. 10 total points ("10X points") on qualifying Lyft rides through 03/2025: You'll earn an additional 7 points for each $1 spent when your card is used for qualifying Lyft products and services purchased through the Lyft mobile application through 03/31/2025. Qualifying Lyft products and services include rides taken in Classic, Shared, Lux, or XL modes; bike and scooter rides; and subscription and membership products. Purchase of gift cards, car rentals, vehicle service centers, miscellaneous fees and other Lyft products and services are excluded from this promotion. Future Lyft products or services may not be eligible for additional points. You may see "10X" in marketing materials to refer to the 7 points in addition to the 3 points earned on travel purchases (see above). The additional 7 points will appear on your billing statement in a separate line from the 3 points. Lyft is not responsible for the provision of, or the failure to provide, Chase benefits or services. 3 points ("3X points") on dining at restaurants purchases: You'll earn 3 points for each $1 spent on purchases in the following rewards category: dining at restaurants including takeout and eligible delivery services. 10 points ("10X points") on Ultimate Rewards Chase Dining purchases: You'll earn 10 points for each $1 spent on Chase Dining purchases made using your card through the Ultimate Rewards program. 1 point ("1X points"): You'll earn 1 point for each $1 spent on all other purchases. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third parties. Redemption values for reward options vary. Points expiration/losing points: Your points don't expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window .

The Edit: The Edit program benefits are available exclusively on select Chase credit cards. To receive benefits, reservations must be made for "The Edit" properties through Chase Travel. Benefits are per room and based on double occupancy. Benefits may be subject to availability at check-in and are not redeemable for cash. Benefits may not be combined with other offers, including tour operator or wholesaler rates and packages. Complimentary Wi-Fi benefit provided, with the exception of locations where Wi-Fi is already complimentary or not available. Program benefits and participating properties may change without notice. Visit www.theeditbychase.com to learn more, other terms may apply.

Priority Pass ™ Select Membership: One time activation required. Priority Pass Select membership includes access to airport lounges and select airport experiences participating in the Priority Pass Select network. There is no additional cost to activate your membership and certain terms, conditions and exclusions apply. Primary Cardmembers and Authorized Users are granted complimentary access to the Priority Pass lounges and are allowed a maximum of two accompanying guests each. For any additional guests, your card will be charged $27 per guest, per visit. Your card will be charged after you have signed for the additional guest visits in the participating lounge and the visits have been reported to Priority Pass. Access may be denied if the lounge is at capacity. Participating lounges are owned and operated by independent third parties and their participation and/or facilities may change. To access a lounge, member must show his/her valid Priority Pass Select membership card. Priority Pass Select membership is subject to the Priority Pass Select Terms and Conditions. Your Chase Sapphire Reserve account must be open and not in default to maintain membership. For complete Priority Pass Select Terms and Conditions and a listing of participating lounges and select airport experiences, please visit www.prioritypass.com/select .

Global Entry or TSA PreCheck ® or NEXUS Application Fee Statement Credit You will receive one statement credit (up to $100) every four years after the first program (either Global Entry or TSA PreCheck ® or NEXUS) application fee is charged to your Chase Sapphire Reserve card, by you or an authorized user. This benefit applies only to the Global Entry, TSA PreCheck ® or NEXUS programs, other Trusted Traveler programs are not eligible. The statement credit will appear on your credit card billing statement within 1-2 billing cycles. You are responsible for payment of all charges until the statement credit posts to the account. Chase has no control or liability regarding these programs including, but not limited to, applications, approval process or enrollment, or fees charged by CBP or TSA or DHS. For more information about the Global Entry, TSA PreCheck ® and NEXUS programs, including application details and full terms and conditions, go to https://ttp.cbp.dhs.gov/ . Websites and other information provided by government agencies are not within Chase's control and may not be available in Spanish. To receive statement credits, your account must be open and not in default at the time of fulfillment. TSA PreCheck ® is a registered trademark and is used with the permission of the U.S. Department of Homeland Security.

2-year complimentary Lyft Pink All Access membership: Your Chase Sapphire Reserve account will receive one complimentary Lyft Pink All Access membership for 2 consecutive years, a value of $199/year, when the membership is activated with a Chase Sapphire Reserve card by 11:59 PM Eastern Standard Time on 12/31/2024. After your complimentary 2-year period ends, you'll be automatically enrolled in an annual membership at 50% off the then current annual Lyft Pink All Access rate for one year. After the discounted year, you will continue to be enrolled and charged the then current annual Lyft Pink All Access rate, every year unless canceled. You can cancel auto-renewal anytime on the Lyft mobile application and continue to enjoy the benefits of your Lyft Pink All Access membership through the end of your complimentary or discounted membership term. Cardmembers who do not utilize any services associated with their membership during the last six (6) months of their complimentary membership term, will not be auto-renewed and will not be eligible for the Lyft Pink All Access discounted membership. Lyft Pink All Access will be registered in the name of the primary cardmember or an authorized user, whoever activates the benefit first. PayPal or digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Mobile applications, websites, and other information provided by Lyft are not within Chase's control and may or may not be available in Spanish. All Lyft products and services are subject to the Lyft Terms of Service and Lyft Pink Terms & Conditions. Chase is not responsible for the provision of, or the failure to provide, Lyft benefits and services. Your Chase Sapphire Reserve account must be open and not in default, and your Chase Sapphire Reserve card must be included as a payment method within the Lyft App to maintain complimentary two-year membership benefits and purchase the discounted membership in your third year.

Complimentary DashPass: You and your authorized user(s) will receive at least 12 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period based on the first activation date, when the membership is activated with a Chase Sapphire Reserve card by 12/31/2024. Membership period for all users on this Chase Sapphire account will begin and end based on when the first user activates the membership on DoorDash or Caviar. The same login credentials must be used on DoorDash and Caviar in order for the DashPass benefit to be used on both applications. To receive the membership benefits, the primary cardmember and authorized user(s) must first add their Chase Sapphire card as a default payment method on DoorDash or Caviar, and then click the activation button. Once enrolled in DashPass, you must use your Chase Sapphire card for payment at checkout for DashPass-eligible orders to receive DashPass benefits. Benefits of DashPass include no delivery fee on orders above the minimum subtotal (as stated in the DoorDash and Caviar apps and sites) from DashPass eligible merchants (amounts subject to change). However, other fees (including service fee), taxes, and gratuity on orders may still apply. Current value of the DashPass membership is as of 04/01/2022. DashPass orders are subject to delivery driver and geographic availability. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Mobile applications, websites and other information provided by DoorDash or Caviar are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, DoorDash or Caviar benefits and services. If you product change to another Chase credit card eligible for a DashPass membership during the promotional period, your DashPass benefits may change. You may experience a delay in updating your applicable DashPass benefits on DoorDash or Caviar; please note, once you product trade, the benefits from your previous credit card are no longer available for your use. You can only access the benefits available with your current credit card. Your Chase Sapphire account must be open and not in default to maintain membership benefits. See full DoorDash terms and conditions at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US .

Earn $5 monthly DoorDash/Caviar Credits through 12/31/2024: Get $5 in DoorDash/Caviar credits each calendar month while enrolled in DashPass through 12/31/2024. When applied to an order, the $5 credit will apply only to the subtotal of your DoorDash or Caviar order at checkout. The credit does not apply to fees, taxes, or tip and gift card purchases are excluded. You or up to 7 authorized users must be enrolled in DashPass and use your Chase Sapphire Reserve or J.P. Morgan Reserve card for payment at checkout to receive the credit. Once you spend the issued credits on one platform (e.g., DoorDash), it will be automatically deducted from your balance on the other (e.g., Caviar). Any monthly credit issued before you create an account on the other platform will only be available on the original platform for that month. Once you have accounts opened on both platforms, any credits issued will be available for onetime use on either DoorDash or Caviar. Your credit balance may be different on each platform, but your credit usage will still be linked from that point on. If a credit is not used within the calendar month, it will be carried over for a maximum of 2 months. Up to $15 in credit can be accrued before a $5 credit expires. DoorDash credits have no cash value and are non-transferable. Chase is not responsible for the provision of, or the failure to provide, DoorDash benefits and services. Credit card product changes during the promotional period will forfeit this offer. Additional DoorDash promotional terms and conditions available at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US . All deliveries subject to availability. Must have or create a valid DoorDash account. Qualifying orders containing alcohol will be charged a $0.01 Delivery Fee. No cash value. Non-transferable. See full terms and conditions at: help.doordash.com/consumers/s/article/offer-terms-conditions .

Complimentary Instacart+ Membership: You will receive one complimentary Instacart+ membership per eligible card account for 12 months (for Chase Sapphire Reserve and J.P. Morgan Reserve cardmembers) when the membership is activated on http://www.instacart.com/chase with an eligible card between 6/15/2022 and 7/31/2024. ("You" and "your" mean you as the primary cardmember or any authorized user, depending on which user activates first). This offer is non-transferrable. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Benefits of Instacart's membership include no delivery fee on orders that total over $35 (amount subject to change – see Instacart.com for current minimum); however, other fees, taxes, and/or tips may apply. Delivery subject to availability. If you do not currently have a paid or trial Instacart+ membership, by activating your Instacart+ membership, you agree to the Instacart+ Terms and you agree that after the complimentary Instacart+ membership period ends, you will be automatically enrolled in an annual Instacart+ membership and billed at $99/year or the then current annual Instacart+ membership rate for each membership activated, unless you have not placed any orders or you cancel during your complimentary Instacart+ membership period. If you currently have a paid or trial Instacart+ membership, you agree that your existing membership will be paused for the duration of this benefit and resume upon expiration. Your existing membership will automatically renew based on the Instacart+ Terms previously agreed upon unless you cancel. Your membership fees will be billed to any active payment method on file until you cancel. You can cancel your Instacart+ membership prior to the end of your complimentary Instacart+ membership period or at any time thereafter by selecting "Cancel Membership" in your Account Settings. Cancellation goes into effect during the next billing cycle. You may cancel within the first 15 calendar days of your paid Instacart+ membership and receive a refund of the Instacart+ membership fee you paid, but only if you have not placed any orders using your Instacart+ membership. If you change to another Chase credit card during the promotional period, your benefits may change. Mobile applications, websites and other information provided by Instacart are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Your complimentary membership benefits may be removed if your eligible credit card account is closed or in default.

Statement Credit on Instacart Purchases: Earn up to $15 per calendar month (for Chase Sapphire Reserve and J.P. Morgan Reserve cardmembers) in statement credits on qualifying Instacart purchases from 8/1/2022 through 7/31/2024 when you activate a complimentary Chase Instacart+ membership on Instacart.com/chase with your eligible Chase credit card. You can check the status of your enrollment in the Chase benefit within the Instacart+ section of the Instacart mobile app. You will continue to receive statement credit benefits regardless of whether you choose to renew your Instacart+ membership at the end of your complimentary period. Qualifying Instacart purchases include only those orders purchased by you, or an authorized user, with a Chase Sapphire Reserve credit card through Instacart.com or the Instacart mobile application (gift cards excluded). Statement credit(s) will post to your account within 48 hours of your qualifying Instacart purchase posting to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. Statement credits will be issued for the calendar month in which the transaction posts to your account. For example, if you pay for an Instacart order, but Instacart does not post the transaction until after the current calendar month ends, the cost of the Instacart purchase will be allocated towards the next calendar month's maximum, or will not qualify if the promotional period has ended. If you change to another Chase credit card during the promotional period, your benefits may change. Mobile applications, websites and other information provided by Instacart are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Accounts must be open and not in default at the time the statement credit posts to your account.

Earn 10 or 5 total points ("10X or 5X total points") on Peloton equipment and accessory purchases through 03/31/2025: You'll earn a total of 10 (Sapphire Reserve or J.P. Morgan Reserve) or 5 (Sapphire Preferred) points for each $1 spent on up to $5,000 in total purchases when your card is used for Peloton equipment and accessory purchases over $150 through Peloton from 02/01/2023 through 03/31/2025. That's 9 (Sapphire Reserve or J.P. Morgan Reserve) or 4 (Sapphire Preferred) points on top of the 1 point you already earn on these purchases with your card. Only purchases made directly through Peloton – through onepeloton.com , over the phone, or in a Peloton showroom – are eligible. Purchases made outside the U.S. are not eligible. Gift cards, and apparel are not eligible. Points earned on the purchase of Peloton equipment and accessory purchases will be deducted from the cardmember's account if the order is cancelled or returned. Purchases must post to your account by the last day of the promotional period to qualify. Sometimes your card will be charged on a date after you make a purchase, such as the shipping date, and as a result the purchase may not post to your account until after the last day of the promotional period. Please allow 6 to 8 weeks after qualifying purchases post to your account for points to post to your account. To qualify for this bonus offer, account must be open and not in default at the time of fulfillment. This bonus offer is non-transferable.

50% More Through Chase Ultimate Rewards: When you use points to redeem for cash, each point is worth $.01 (one cent), which means that 100 points equals $1 in redemption value. Each point you redeem for travel booked through Chase Travel is worth $.0150 (one and a half cents), which means that 100 points equals $1.50 in redemption value, and points are worth 50% more than if redeemed for cash. For example, 60,000 points are worth $900 when redeemed for travel purchases, or $600 when redeemed for cash. The cost of travel is based on the rates and fares available through Chase Travel, including the online portal and call center, and may not reflect all rates and fares that are available through other sales channels. If you choose to use points and your Chase Sapphire Reserve credit card to pay for your purchase, each point will be worth $.0150, but your credit card will be charged the full remaining dollar amount.

Avis Terms and Conditions Discount applies to base rate only at participating locations when booked directly through Avis by using the Visa Infinite code. These discounts are administered by the rental car providers directly and cannot be used when booking through Chase Travel nor can Ultimate Rewards points be used as payment when booking directly with the merchant. Discount varies by rental date, location and vehicle type. Taxes, other governmentally-authorized or imposed surcharges, license and concession recoupment fees, airport and airport facility fees, fuels, additional driver fee, one-way rental charge and optional terms such as Loss Damage Waiver (LDW) up to $30 per day are extra. Renter must meet standard age, driver and credit requirements. 24-hour advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. National Terms and Conditions Discount applies to base rate only at participating locations when booked directly through National Car Rental by using the Visa Infinite code. These discounts are administered by the rental car providers directly and cannot be used when booking through Chase Travel nor can Ultimate Rewards points be used as payment when booking directly with the merchant. Discount varies by rental date, location and vehicle type. Taxes, other governmentally-authorized or imposed surcharges, license and concession recoupment fees, airport and airport facility fees, fuels, additional driver fee, one-way rental charge and optional items such as Loss Damage Waiver (LDW) up to $30 per day are extra. In the U.S., check your insurance and/or credit card for rental vehicle coverage. Renter must meet standard age, driver and credit requirements. 24-hour advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. Visa Terms and Conditions Benefits referenced on this page are current as of 03/2024 . Benefits are subject to change by Visa at any time, in accordance with Visa's notification policies, and are based on the individual merchant's terms and conditions. Only the benefits listed on this page are available with this Chase Visa Infinite product; Visa's website may describe additional Visa Infinite benefits not offered on this card. Void where prohibited or restricted by law. Any taxes are the sole responsibility of the purchaser. Many of the stated benefits and services of this product are provided by third parties who are solely responsible for their provision or fulfillment. The US Visa Infinite card does not include global application of all Visa Infinite related benefits at this time. There are some benefits Visa has sourced that are global but as a general matter Visa Infinite benefits are specifically sourced by region unless otherwise stated.

Account Alerts: Delivery of alerts may be delayed for various reasons including technology failures and capacity limitations. There is no charge from Chase, but message and data rates may apply.

Zero Liability: Zero Liability Protection does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the Cardmember Services number on your card or billing statement.

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Chase Sapphire Reserve Card named "Best Premium Travel Credit Card" by NerdWallet writers and editors. Source: NerdWallet's "Best-Of Awards 2024," January 2024. NerdWallet is paid a fee for each approved Chase Sapphire Reserve credit card account referred through its site, however NerdWallet editorial team members are solely responsible for creating all product reviews and ratings, and these assessments reflect their opinions alone. Chase does not exercise any editorial control over their credit card awards or reviews, the opinions expressed are their own.

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Here are the best-rated Priority Pass lounges in 2024

Priority Pass has revealed its best-rated airport lounges around the world — and you're definitely going to want to tick off a few of them on future trips.

Pulled together as part of the Priority Pass Excellence Awards, this roundup features the highest-rated lounges across the Priority Pass network , their rankings decided by 379,966 member ratings and reviews.

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

Each lounge is judged on a range of criteria, including quality of facilities, customer service, food and beverage selection, and overall satisfaction, with the awards recognizing best-in-class lounges both regionally and globally.

"We have a shared ethos with our partners to deliver the best airport experience to our members and the winners of this year's Priority Pass Excellence Awards have proven that they truly elevate every customer journey into something special," said Christopher Evans, CEO, Collinson International.

Here's a rundown of the lounges that received the best ratings for 2024.

Global and Europe

Winner: vienna lounge, terminal 1, vienna airport (vie) in austria.

The Vienna Lounge was refurbished in 2022 and is likely the slickest Priority Pass lounge we've ever visited, so it's no surprise that it received the best ratings in Europe and globally from visitors. It features hip art nouveau stylings, a beautiful Viennese cafe and top-tier food and drinks. And that's before we even mention the airy outdoor terrace with runway views and the artwork displayed throughout the lounge, which includes various works from renowned Austrian painter Gustav Klimt.

"The Vienna Lounge is all about symbolising impressive Vienna elegance and Austrian cuisine for travellers," said Julian Jäger, joint CEO and chief operating officer of Vienna Airport, in reaction to the win. "To be named Global Lounge of The Year amongst 1,500 other lounges and travel experiences is an outstanding confirmation of the quality of our services."

Highly commended (Europe): Marco Polo Club, Venice Marco Polo Airport (VCE) in Italy

The Save SPA-partnered Priority Lounge, Marco Polo Club, was also highly commended and recognized for its selection of hot and cold snacks, beverages, shower facilities, and other amenities. It's a worthwhile stop-off point if you're visiting Venice soon.

The Asia-Pacific region

Winner: chase sapphire lounge by the club, terminal 1, hong kong international airport (hkg).

This stylish Chase Sapphire Lounge covers 12,000 square feet and opened in October 2022. It features separate spaces for those traveling for business and pleasure, with dedicated areas for work and relaxation. Along with self-serve food and drink options, the lounge has an impressive array of signature cocktails, curated wines and made-to-order dishes.

Highly commended: Oriental Club Lounge, Terminal 2, Taiwan Taoyuan International Airport (TPE)

This lounge haven in Taiwan Taoyuan International Airport is a perfect backdrop for travelers wanting to relax and enjoy freshly prepared (and delicious) Taiwanese delicacies during work downtime. You'll find a classy environment with grade-A service, food and drinks, and other amenities.

Latin America and the Caribbean

Winner: advantage vip lounge, curitiba afonso pena international airport (cwb) in brazil.

Priority Pass' standout offering in Brazil, the Advantage VIP Lounge, garnered great reviews for its excellent gastronomy experiences — which, along with regionally inspired menus, include delicious gluten-free options and frequent theme days that pay ode to Curitiba.

Highly commended: Macondo Lounge, Barranquilla Ernesto Cortissoz International Airport (BAQ) in Colombia

Also recognized was the Macondo Lounge in Colombia, which prides itself on its fully stocked selection of newspapers and magazines, friendly service and diverse seating areas.

The Middle East and Africa

Winner: petra lounge, amman queen alia international airport (amm) in jordan.

The Petra Lounge was ranked highly thanks to its warm and inviting front-of-house staff, great food and vast seating area decorated in modern Middle Eastern-influenced details that reference the region's rich culture.

Highly commended: Primeclass Lounge, Muscat International Airport (MCT) in Oman

The highly regarded Primeclass Lounge is not only a favorite of Priority Pass members but was also referenced in glowing terms repeatedly by members of the Priority Pass team when TPG recently asked for recommendations. The lounge features a sprawling open buffet, a gaming zone, a cinema, a spa and a kids play zone.

North America

Winner: vip lounge aguascalientes, aguascalientes international airport (agu) in mexico.

The VIP Lounge Aguascalientes topped the ratings across North America thanks to its vibrant food and drink services and comfortable, pet-friendly space.

Highly commended: Escape Lounge, South Terminal A, Syracuse Hancock International Airport (SYR) in New York

Finally, the Escape Lounge at Syracuse Hancock International Airport also received a worthwhile nod, thanks, in part, to its highly praised seasonal menus, which are changed frequently throughout the year.

Credit cards that offer Priority Pass Select memberships

These are multiple credit cards through which you can get a Priority Pass Select membership.

These include not only premium travel cards like the Chase Sapphire Reserve® , The Platinum Card® from American Express (enrollment required) and the Capital One Venture X Rewards Credit Card — which even includes two guests — but also hotel credit cards like the Marriott Bonvoy Brilliant® American Express® Card (enrollment required).

Bottom line

Priority Pass has just revealed the winners of its newly established Priority Pass Excellence Awards, which take into account ratings and reviews of lounges across its entire global network. For 2024, the standout Lounge of the Year award goes to the Vienna Lounge at Vienna Airport after it topped the global and European rankings.

Related reading:

• Key travel tips you need to know — whether you're a first-time or frequent traveler
• Best travel credit cards
• Where to go in 2024: The 16 best places to travel
• 6 real-life strategies you can use when your flight is canceled or delayed
• 8 of the best credit cards for general travel purchases
• 13 must-have items the TPG team can't travel without

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How to get priority pass.

As a Priority Pass™ member, travelers get access to a network of 1,500+ airport lounges worldwide. Whether you're looking for a quiet place to work, or a luxurious place to lounge, Priority Pass alleviates a lot of the common stresses that come with traveling. Whether you're looking for a quiet place to work, or a luxurious place to lounge, Priority Pass alleviates a lot of the common stresses that come with traveling.

Here's what you need to know about accessing an airport oasis on your next trip: 

• What is Priority Pass 
• Two ways to get Priority Pass 
• How to get Priority Pass with a Chase credit card 
• Priority Pass benefits 
• How to start using your Priority Pass benefits 
• How to get the most from Priority Pass benefits 
• Learn more about the Chase Sapphire Reserve ® card with complimentary Priority Pass Select membership

What is Priority Pass?

Priority Pass  is a membership club with a global network of 1,500+ airport lounges. It's the largest independent airport lounge access program in the world. Members can swap busy airport terminals for complimentary refreshments and quiet spaces. Added perks include retail discounts and restaurant credits. 

Two ways to get Priority Pass

Consumers have two ways of accessing Priority Pass lounges. They can either buy a membership , or get a free membership with a credit card (but expect to pay an annual fee for that card).

1. Buy a Priority Pass membership

Travelers can choose between three levels of membership which offer different pricing and benefits:

Standard Membership level - for occasional travelers

• Annual Fee $99/year

Standard plus Membership level - For regular travelers

• Annual Fee $329/year

Prestige Membership level - For frequent travelers

• All member visits are free
• Annual Fee $469/year

In general, membership levels are suited to travelers based on the amount of travel they do.

2. Get a free Priority Pass Select membership with a credit card

Frequent flyers get the most out of this option with unlimited airport lounge access and travel rewards. Annual fees and the cost of additional guests will depend on the card. When used strategically, Priority Pass Select benefits may outweigh the cost of a luxury card's annual fee.

How to get Priority Pass with a Chase credit card

The Chase Sapphire Reserve Credit Card ®  offers a free Priority Pass Select membership. Cardmembers get full access to every Priority Pass airport lounge for up to two guests (additional guests are $27 per visit). Authorized card users are also eligible for their own Priority Pass Select membership.

Priority Pass benefits

Priority Pass airport lounges are popular because you don't have to fly a specific airline or class to enter them. There are over a thousand airport lounges in Priority Pass's global network . Amenities will vary, ranging from simple to luxurious.

General amenities

Most Priority Pass airport lounges have comfortable seating and business facilities — like work stations, reliable Wi-Fi and plenty of outlets for charging your devices. They may also offer a range of media, like newspapers, magazines and TV. Beverages and snacks are complimentary, and adult beverages may be free or offered at a low cost.

Restaurant lounges

Priority Pass members get dining credits to nearly 30 airport restaurants and bars. Note that the credit may not be applied to tips. 

Private mini-suites

Priority Pass also offers access to private sleeping areas in select airports.

Luxury amenities

Some Priority Pass airport lounges have special features unique to that location only. For example, some offer waterfall features, natural green walls, fireplaces, putting greens and even outdoor pools.

Additional offers

There are more than 800 Priority Pass benefits available for members through the Priority Pass mobile app. You'll find airport-specific discounts for restaurants, retailers, spa experiences and more.

How to use Priority Pass benefits

Once you get Priority Pass membership set up, enjoying the benefits only takes few steps:

Activate your membership

You'll need to activate your Priority Pass Select membership before you can use it —simply showing your credit card at the lounge will not work. Activation steps will vary by credit card.

If you have a Chase credit card with Priority Pass Select membership as a benefit, here are the steps to activate:

• Sign in to Chase Ultimate Rewards . (If already signed in, select your "Total Points" in the bottom left.) 
• Choose the card you'd like to enroll. 
• Select "Card Benefits." 
• Scroll to see benefits, then choose "Travel." 
• Select "Complimentary Airport Lounge Access." 

After activating your membership, you'll receive a Priority Pass card in the mail.

Tip: Authorized card users are automatically enrolled. If you add someone to your card after enrolling, call the number on the back of your card to activate their Priority Pass membership.

Get a digital membership card and download the app

Most Priority Pass airport lounges accept digital membership cards. Having this info on your smartphone helps if you ever misplace your physical card. You can see more information  here . If you're an eligible Chase customer, now you can also access your Priority Pass Digital Membership Card in the Chase Mobile ® app. You can find it in the Explore Lounges section under Benefits > Travel.

Visit a Priority Pass airport lounge

Use the Priority Pass app to find a lounge. To enter, all you have to do is scan your physical or digital membership card for the lounge attendant.

How to get the most from Priority Pass benefits

Here are some tips for maximizing every benefit and convenience the program offers:

There is not a Priority Pass airport lounge in every airport. As you shop for flights, include airport lounge availability and amenities in your search. Compare flights and lounges to make sure: 

• The lounge will be open when you need it. 
• Your preferred amenities will be available. 
• The lounge time limits match your trip. 
• Your guests or children are allowed.

Arrive early

Getting to the lounge a couple of hours before a flight means less stress and more time to enjoy the amenities. Check the lounge information ahead of time to see how early you can go in. Some airport lounges restrict travelers to three hours before their flight.

Use your restaurant credit

Check the Priority Pass app for participating restaurants. Upon arrival, let the server or bartender know you're using your card. They will register you and up to one guest, and you'll get a credit, discount or savings (tips are not included). 

Read your credit card's terms and the restaurant's terms beforehand. See if they include a guest credit, and make sure you're OK with any limitations, such as no take-out orders..

Use your card's travel benefits

Most cards, like the Chase Sapphire Reserve, offer a host of other travel benefits along with Priority Pass Select. Be sure to take advantage of these rewards, like welcome bonuses or travel credits, along with accessing airport lounges.

In conclusion

To many travelers, having access to airport lounges makes traveling much more enjoyable. Priority Pass is a great option for if you're seeking amenities and conveniences that you won't find anywhere else in the airport. 

If you're looking for lounge access in addition to earning rewards for your travel and dining expenses, check out the  Chase Sapphire Reserve credit card.

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• credit card benefits

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Chase Sapphire Reserve Review: A First-Class Premium Travel Card

What’s on This Page

The bottom line, pros and cons, detailed review, compare to other cards, benefits and perks, drawbacks and considerations, how to decide if it's right for you.

With a big sign-up bonus, elevated rewards on travel and dining, hundreds of dollars in annual credits and other perks, this card is a good choice for frequent travelers.

Rewards rate

Bonus offer

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Ongoing APR

APR: 22.49%-29.49% Variable APR

Cash Advance APR: 29.99%, Variable

Penalty APR: Up to 29.99%

Balance transfer fee

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

Foreign transaction fee

• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
• Member FDIC

High rewards rate

Luxury perks

Premium travel protections

Transfer partners

Primary rental car coverage

High annual fee

Requires excellent credit

For avid travelers, the Chase Sapphire Reserve® is a good deal — even with its $550 annual fee.

Thanks to features such as an annual $300 travel credit, as well as bonus rewards that can be transferred at a 1:1 ratio to several loyalty programs, it stands out as one of the best premium travel cards available.

However, to earn the card’s highest rewards rate, you’ll have to make travel purchases through the Chase portal, which can be limiting. And while the card offers excellent overall value for those who spend heavily on travel and dining, if you can't take advantage of its more niche benefits, a different travel card could be a better fit.

» MORE: Full benefits of the Chase Sapphire Reserve®

Chase Sapphire Reserve® : Basics

Card type: Travel .

Sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Annual fee: $550 .

Ongoing rewards:

10 points per dollar spent on Chase Dining purchases.

10 points per dollar spent on hotel stays and car rentals purchased through Ultimate Rewards®.

5 points per dollar spent on air travel booked through Chase.

3 points per dollar spent on travel and dining not booked with Chase.

1 point per dollar spent on all other purchases.

Through March 2025: 10 points per $1 spent on Lyft (7 points per dollar spent on Lyft plus 3 points per dollar spent on travel).

Foreign transaction fees: None.

Other benefits:

Up to $300 a year in statement credit automatically applied to travel purchases.

Complimentary Priority Pass Select airport lounge membership.

Access to Chase's Sapphire Lounges in select airports.

Multiple hotel and airline transfer partners.

Primary rental car coverage of up to $75,000 for theft and collision damage.

TSA PreCheck, Global Entry or NEXUS credit, worth up to $100.

“Reserved by Sapphire” restaurant-booking feature, which grants cardholders access to reservations at popular restaurants across the country.

Trip delay reimbursement.

Trip cancellation or interruption insurance.

Lyft Pink All Access membership free for two years and 50% off for the third year when you enroll (must activate by Dec. 31, 2024). This is the highest tier membership available from Lyft and retails for $199.

How much is a point worth?

Chase Ultimate Rewards® points earned on this card are worth 1.5 cents each when redeemed for travel booked through Chase. Cardholders can also get more value per point by transferring them to Chase's airline and hotel partners.

Otherwise, points are worth less when redeemed for cash back, gift cards and merchandise.

Big sign-up bonus

The Chase Sapphire Reserve® features the following generous sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

To find out whether you pre-qualify for this card, check out NerdWallet’s pre-qualification tool.

Bonus rewards

Holders of the Chase Sapphire Reserve® can earn the following:

10 points per dollar spent on hotel stays and car rentals booked through Chase.

5 points per dollar spent on air travel purchased booked through Chase.

Travel and dining-related purchases made through the Chase portal will get you the highest rewards rates, which are lucrative for those who spend heavily in those categories.

And even for travel and dining purchases not made through the issuer, cardholders will still earn bonus rewards.

Plus, if you redeem those points through Chase for travel, they are worth an elevated 1.5 cents, which gives the card an impressive 4.5% effective rewards rate in those popular categories. That's a boon for folks who spend plenty in these areas — in the U.S. and worldwide as well.

Additionally, through March 2025, you can earn a total of 10 points per $1 spent on Lyft (7 points per dollar on Lyft plus 3 points per dollar on travel). That’s one of the highest earn rates you’ll find for ridesharing purchases on any credit card.

» MORE: NerdWallet's best credit cards for transit spending

Travel statement credit of up to $300

While many premium cards offer airline fee credits for baggage fees and other select purchases, the travel credit of up to $300 on the Chase Sapphire Reserve® covers a much broader range of travel purchases , including taxi rides, campground fees and train fares.

Because this credit is applied automatically, taking advantage of it is effortless. Use this card to pay for a $20 Uber ride and — poof! — that travel credit is applied to your credit card statement right away.

Airport lounge access and Global Entry/TSA PreCheck/NEXUS reimbursement

With the Chase Sapphire Reserve® , your next layover could be spent in an exclusive lounge with a complimentary cocktail in hand. The card comes with Priority Pass Select membership, with access to over 1,000 airport lounges internationally and meal credits at select airport restaurants and bars. Plus, you'll get access to Chase's own Sapphire Lounges . As of February 2024, there are Sapphire lounge locations in Boston, New York (LaGuardia and JFK) and Hong Kong, plus a Sapphire Terrace location in Austin.

With the card's TSA PreCheck, Global Entry or NEXUS reimbursement, you can also speed through security and get to those swanky lounges a little sooner. The card offers reimbursement for the application fee for TSA PreCheck ($78) or Global Entry ($100) or NEXUS ($50) once every four years.

» MORE: The guide to Chase Lounges

With the Chase Sapphire Reserve® , you can move points to several other loyalty programs at a 1:1 ratio. Transferring points and redeeming them strategically can be incredibly lucrative. NerdWallet values the points earned on this card at more than 1.5 cents per point when transferred to some partners.

Here are Chase’s transfer partners:

Aer Lingus (1:1 ratio).

Air Canada (1:1 ratio).

Air France-KLM (1:1 ratio).

British Airways (1:1 ratio).

Emirates (1:1 ratio).

Iberia (1:1 ratio).

JetBlue (1:1 ratio).

Singapore (1:1 ratio).

Southwest (1:1 ratio).

United (1:1 ratio).

Virgin Atlantic (1:1 ratio).

Hyatt (1:1 ratio).

InterContinental Hotels Group (1:1 ratio).

Marriott (1:1 ratio).

Complementary cards

Like a handful of other Chase cards, the Chase Sapphire Reserve® earns Ultimate Rewards® points. That means if you already have another card in the Ultimate Rewards® family, you can generally transfer points to your Chase Sapphire Reserve® , potentially allowing you to get more value on the points earned.

Say you already have the Chase Freedom Unlimited® , which earns a minimum of 1.5% cash back on purchases, but lacks 1:1 transfer partners and bonuses when redeeming for travel through Chase. When you log on to your Chase account, you have the option of moving the rewards earned on that card to your Chase Sapphire Reserve® , where you can then transfer them to partners or book travel for 1.5 cents per point. That could effectively boost your rewards rate on the Chase Freedom Unlimited® to 2.25% or more.

» MORE: How the Chase Sapphire Reserve® fits into the 'Chase trifecta'

The Chase Sapphire Reserve® and its lower-priced sibling, the Chase Sapphire Preferred® Card , have had their rewards, perks and bonuses tweaked over the years as the issuer has worked to keep them at the top of travelers' wallets. See our Chase Sapphire cards news page for a rundown.

Sapphire Reserve vs. Sapphire Preferred

If you're looking at the Chase Sapphire Reserve® , you might also have your eye on its lower-cost sibling, the Chase Sapphire Preferred® Card . That card has an annual fee of $95 , but it lacks the same rich benefits.

Which card is the better deal for you depends on your spending. For frequent travelers, the Chase Sapphire Reserve® offers far more long-term value. The Chase Sapphire Preferred® Card is a better choice for those who don’t plan on using so many perks but still want a large sign-up bonus and elevated point values.

For a more thorough breakdown of the differences, read NerdWallet's full comparison of these two cards. Here's how they stack up at a glance:

Restricting rewards

Although the Chase Sapphire Reserve® offers competitive earn rates for dining and travel spending, you’ll be able to get the highest rewards rate only if you make purchases through the Chase portal. This can significantly limit your options.

For example, restaurants available to you through the Chase Dining portal will depend on your location. This means that cardholders based in larger cities like New York, for instance, will have more options available to them than those based in smaller areas.

Similarly, to earn the card's 10x and 5x rate for travel-related spending, you’ll have to book through the Chase portal, which can prove limiting compared with buying flights or renting cars directly, for example.

Moreover, if you're not an avid spender in either of the card’s bonus categories, travel and dining, you won’t get much use out of the card. A cash-back credit card that offers more diverse and flexible rewards options would be a better fit.

Somewhat limited lounge choice

If your go-to airport doesn’t have a Chase Sapphire Lounge or Priority Pass lounge, you'll be missing out on a key benefit of the Chase Sapphire Reserve® . Capital One offers a similar alternative with the $395 -annual-fee Capital One Venture X Rewards Credit Card . Cardholders also have access to Priority Pass lounges, plus Plaza Premium Lounges and Capital One Lounges at Dulles International Airport, Dallas-Fort Worth International Airport and Denver International Airport.

But if lounge access is a priority for you, a better option might be The Platinum Card® from American Express .

Though The Platinum Card® from American Express has a higher annual fee ( $695 ), this card comes with much broader airport lounge coverage, along with plenty of other top-tier benefits. In addition to giving cardholders Priority Pass Select coverage (once you enroll), the card also offers access to several other lounge networks, including AmEx's own Centurion lounges and Delta Sky Clubs (for folks flying with Delta on the same day). Keep in mind, however, that the Priority Pass Select coverage on this card no longer includes credits to select airport restaurants, unlike the Chase Sapphire Reserve® . The card also offers several other premium benefits and statement credits, including up to $200 in Uber Cash, which can be used toward free Uber rides in the U.S. (up to $15 each month, plus a bonus $20 in December). Plus, it comes with a big welcome offer. Terms Apply.

» MORE: Credit cards with airport lounge access

If the $550 fee on the Chase Sapphire Reserve® is too rich for your blood — even with all of its big perks — look to the less-expensive Chase Sapphire Preferred® Card instead.

As mentioned earlier, the Chase Sapphire Preferred® Card has an annual fee of $95 . It has the same 1:1 transfer partners as the Chase Sapphire Reserve® and a similarly robust sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. Although it lacks the most attention-grabbing perks, such as the $300 travel credit, it's ideal for folks looking for a versatile travel card with a lower price. Check out NerdWallet's best credit card deals to see how these cards stack up.

» MORE: NerdWallet's best no-annual-fee travel credit cards

Spending $550 a year on a credit card is a big deal — and probably isn’t worth it in this case if you’re not a frequent traveler. But if you fly often and can take advantage of the card's many perks, the Chase Sapphire Reserve® is worth every penny.

To view rates and fees of The Platinum Card® from American Express , see this page .

No appetite for actively managing your credit card travel rewards? This card gives you a flat 2 miles per dollar spent on most purchases. Redeem miles to "erase" any travel purchase at a penny per mile. There's a great sign-up bonus, and the annual fee is $95 .

Looking For Something Else?

Methodology.

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.

Frequently asked questions

The Chase Sapphire Reserve® 10 earns points per dollar spent on Chase Dining purchases through Ultimate Rewards®, 10 points per dollar spent on hotel stays and car rentals purchased through Ultimate Rewards®, 5 points per dollar spent on air travel purchased through Ultimate Rewards®; 3 points per dollar on dining and travel not booked through Chase and 1 point per dollar everywhere else. But rewards alone aren't enough to justify the hefty $550 annual fee. The card comes with an array of travel perks that can significantly reduce the cost of carrying it.

For its higher fee ( $550 , versus $95 for the Chase Sapphire Preferred® Card ), the Chase Sapphire Reserve® earns richer bonus rewards, provides more perks and protections (travel credits, airport lounge access and more) and gives you a higher point value when you redeem for travel (1.5 cents apiece versus 1.25 cents). Both cards offer the option of transferring points to about a dozen airline and hotel loyalty programs.

If you’ll use the travel perks — like the $300 annual travel credit and lounge access — and maximize the way you earn and redeem points, the Chase Sapphire Reserve® can be a good value . If you don’t travel much, you're better off with a different card.

You’ll need excellent credit to qualify for this card. That generally means a score of 720 or better, but credit scores alone do not guarantee approval. Your income and other factors will also be considered.

When you pay for your rental car with the Chase Sapphire Reserve® , you’ll get primary collision damage and theft protection up to $75,000. The card also offers trip delay/cancellation insurance, lost luggage reimbursement and emergency medical evacuation.

You can transfer Ultimate Rewards® points earned on the Chase Sapphire Reserve® to 13 travel partners , including United Airlines, Southwest Airlines, JetBlue, Marriott, Hyatt and IHG.

Chase issues some of the better rewards credit cards on the market, including outstanding options in travel, cash-back and small-business cards. See the best Chase cards here .

About the author

Claire Tsosie

Traveling with family? How to get lounge access for your guests

Key takeaways.

• Lounge access is an especially desirable perk, and many travel rewards credit cards come with this benefit.
• However, many of these cards limit the number of guests you can bring into the lounge with you — and some don't extend lounge privileges to guests at all.
• If you regularly travel with family members or friends, the best ways to get lounge access for them are to choose credit cards that includes guest privileges, book with third-party lounge access services or book premium fares that include lounge access.

Having access to airport lounges can make any travel experience more comfortable, and these memberships can be a big money-saver, too. After all, airport lounges always have a selection of complimentary food and beverages along with wifi access, and some even have showers and special spaces you can use to freshen up.

But, having airport lounge access only for yourself can be a major issue — especially if you travel with your spouse or partner, your kids or your friends from time to time. The good news is, there are ways to get airport lounge access for yourself and your guests, or to ensure the people you love have airport lounge memberships of their own they can use.

Travel credit cards with airport lounge access

The best way to get airport lounge access for yourself and your family or other guests involves signing up for a travel credit card — but not just any travel credit card. Look specifically for a top travel rewards card that include guest access or the ability to bring in others with your membership without paying any added fees.

Fortunately, quite a few top travel credit cards let users bring in guests, including:

Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card offers flexible rewards and premium benefits like an annual travel credit worth $300, a fee credit for Global Entry or TSA PreCheck membership and Priority Pass Select membership. Users can also enter Capital One and Plaza Premium airport lounges with their membership.

Venture X cardholders can visit Priority Pass lounges with unlimited guests, and they can bring up to two guests into Capital One airport lounges with them. Even better, the Venture X allows cardholders to add up to four authorized users with no annual fee, and each authorized user gets their own Priority Pass Select membership with the ability to bring in guests of their own.

While the Capital One Venture X has a $395 annual fee, Priority Pass Select membership is valued at $469 on its own.

Chase Sapphire Reserve®

The Chase Sapphire Reserve® is a premium travel credit card that is known for the flexibility of its rewards and its luxury benefits. For example, cardholders get an annual travel credit worth $300 each year, a fee credit for Global Entry, NEXUS or TSA PreCheck membership and a Priority Pass Select airport lounge membership.

The good news about the Priority Pass Select membership is that it applies to more than 1,400 airport lounges around the world — and that cardholders can bring up to two guests into the lounge with them. A $550 annual fee applies for the primary cardholder. Also note that Chase Sapphire Reserve® cardholders can also add an authorized user to their account for $75, which grants that user their own airport lounge access with the ability to bring in up to two guests of their own.

The Platinum Card® from American Express

The Platinum Card® from American Express is another premium travel credit card that offers a range of luxurious benefits like annual travel credits and airport lounge access. However, this card’s Global Lounge Collection airport lounge membership is the broadest available today, since cardholders get a Priority Pass Select membership, entry into Amex Centurion lounges and the ability to enter Delta Sky Clubs when they fly Delta.

Cardholders can bring up to two guests into Priority Pass lounges with them for free. For Delta Sky Clubs, a per-guest visit of $50 applies and the entire traveling party must by flying with the airline. Cardholders who spend $75,000 or more per year on their Platinum Card can get complimentary guest access (for up to two guests) into Centurion lounges. Otherwise, a $50 fee for each adult guest, or $30 for children aged 2 through 17, applies.

Citi® / AAdvantage® Executive World Elite Mastercard®

Another card that offers guest access into airport lounges is the Citi® / AAdvantage® Executive World Elite Mastercard® *, although this card is geared to American Airlines frequent flyers and requires a $595 annual fee. Cardholders get free Admirals Club access with this card among other perks, and they can bring immediate family members (spouse, domestic partner and/or children under 18) or up to 2 guests into the lounge with them for free.

A same-day boarding pass for a flight with American Airlines is required.

Find airport lounges that offer day passes

Even if a card offers airport lounge access for cardholders and their guests, it’s important to note that capacity controls can still apply. It’s not uncommon to head to a Priority Pass lounge and find a sign that says “full,” leaving you completely locked out of a visit you were counting on.

In this case, you may still be able to find airport lounges that offer day passes for a single day of entry. Services like LoungeBuddy and The Club can help connect you with these lounges if your preferred lounge is full, if you need space for more guests than your guest limit allows or if you don’t have access to an airport lounge membership through a travel credit card.

Book premium fares that include airport lounge access

Finally, you should know that booking international airfare in a premium cabin will typically get you airport lounge access included with major airlines and their alliance partners. For example, booking international Business or First Class flights with Delta Air Lines or SkyTeam partners will get you into Delta Sky Clubs as well as most partner lounges (terms vary).

To access this perk, you’ll likely have to book your entire family in the premium cabin to get everyone into the lounge, although there are some exceptions. For example, Virgin Atlantic airport lounges are for Upper Class passengers and Flying Club Gold members, but you are welcome to bring in a guest if they’re on the same international flight with you on Virgin Atlantic, Delta Air Lines, Air France or KLM.

The bottom line

Getting approved for the right travel credit card is the best way to lock in airport lounge access for yourself and your guests. However, you’ll want to read over specific card and membership policies so you know how many guests you can bring (and any other rules that apply). It’s also a good idea to have a backup plan if you’re counting on lounge access during your trip.

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Credit Cards

Does the Chase Sapphire Preferred Card have lounge access?

Kevin Payne

Glen Luke Flanagan

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

Updated 6:44 p.m. UTC May 11, 2023

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The Chase Sapphire Preferred® Card is among the most popular travel rewards credit cards on the market, and for good reason. The card features a reasonable $95 annual fee, earns flexible Chase Ultimate Rewards® points and comes with a bevy of travel and shopping protections.

Unfortunately, the Chase Sapphire Preferred does not include airport lounge access among its benefits. But read on and we’ll walk you through what the Sapphire Preferred does offer and other ways you can get airport lounge access — including through the Preferred’s ultra-premium sibling card, the Chase Sapphire Reserve® .

Chase Sapphire Preferred® Card

Welcome bonus.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.

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

• Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
• $50 annual statement credit toward Chase Travel hotel bookings.
• Valuable travel protections.
• $95 annual fee.
• Category bonuses are limited and not competitive against other travel cards.
• Transfer partner list is limited compared to programs like Amex Membership ® Rewards and Citi ThankYou ® .

Card details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
• 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, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Why doesn’t the Chase Sapphire Preferred Card give you airport lounge access?

The Chase Sapphire Preferred doesn’t come with airport lounge access. However, it’s worth noting not all travel rewards credit cards offer lounge access. Often, card issuers reserve this perk for higher-tier luxury cards or co-branded airline cards . Mid-tier cards like Chase Sapphire Preferred generally don’t include access to lounge networks, though there are exceptions.

For example, the Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , which carries a $95 annual fee, comes with two complimentary visits yearly to Capital One lounges or partner lounges.

The Sapphire Preferred is still considered one of the top travel rewards credit cards because of its generous rewards program, valuable list of airline and hotel transfer partners, travel benefits and low annual fee. But for lounge access, you must look elsewhere. 

Which Chase cards offer lounge access?

While the Chase Sapphire Preferred doesn’t include lounge access, several other Chase personal and business credit cards do provide airport lounge access. Below is a list of Chase credit cards that currently feature airport lounge benefits. 

Chase Sapphire Reserve

The Chase Sapphire Reserve is the issuer’s premier travel rewards card. With a $550 annual price tag, it’s not for the casual traveler. Still, in the right hands, it’s worth far more than the annual fee. The Sapphire Reserve comes with a complimentary Priority Pass Select membership (enrollment is required). This membership opens the door to more than 1,300 airport lounges in over 500 cities worldwide.

With a premium annual fee, you should expect other valuable travel benefits to be included, which they are. The Chase Sapphire Reserve comes with a $300 annual travel credit, a generous welcome bonus and rewards rates on select travel and dining purchases and many of the same travel protections included with the Chase Sapphire Preferred. 

The Sapphire Reserve also offers an up to $100 credit every four years to reimburse a Global Entry , TSA PreCheck or NEXUS application fee.

United℠ Explorer Card * The information for the United℠ Explorer Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The United℠ Explorer Card * The information for the United℠ Explorer Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. comes with two United Club one-time passes annually. While it’s not a full lounge membership, it’s a fair value considering this card has a $0 intro annual fee for the first year, then $95. 

Other travel benefits with the United Explorer include a free checked bag, an up to $100 statement credit for Global Entry, TSA PreCheck or NEXUS application every four years, 25% back on United in-flight and Club premium drink purchases when using your card, complimentary upgrades on award tickets and priority boarding. 

The United Explorer Card charges no foreign transaction fees. 

United Club℠ Infinite Card * The information for the United Club℠ Infinite Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

For luxury travel benefits with United Airlines, it’s hard to beat the United Club℠ Infinite Card * The information for the United Club℠ Infinite Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . The card has a $525 annual fee but offers substantial value for frequent United flyers. This airline card comes with a United Club membership for the primary cardholder. You and eligible travel companions gain access to United Club and participating Star Alliance lounges worldwide. 

As a luxury airline card , the United Club Infinite Card is loaded with other travel benefits, including free first and second checked bags, Premier Access travel services, an up to $100 statement credit for Global Entry, TSA PreCheck or NEXUS application every four years, 25% back on United in-flight and Club premium drink purchases when using your card, free flight upgrades, Avis President’s Club status and IHG One Rewards Platinum Elite status. 

The United Club Infinite Card charges no foreign transaction fees. 

United℠ Business Card * The information for the United℠ Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The United Business Card is the airline’s entry-level business card. The card carries a $0 intro annual fee for the first year, then $99 annual fee. Like the United Explorer, the United Business Card comes with two United Club one-time passes annually.

Despite a relatively low annual fee, the United Business Card offers valuable travel perks beyond lounge passes, like a free checked bag, 25% back on United in-flight and Club premium drink purchases with your card, a $100 United travel credit, priority boarding and no foreign transaction fees. Plus, get 5,000 bonus miles each card anniversary and access to several travel protections. 

United Club℠ Business Card * The information for the United Club℠ Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The United Club Business Card is a must-have for business travelers loyal to United Airlines and seeking elite perks. With a $450 annual fee, it’s more expensive than the United Business Card, but has several noteworthy travel benefits. The perks start with a United Club membership, which gives access to more than 45 United lounge locations and partner lounges.

Additional travel benefits with the United Club Business Card are free first and second checked bags, Premier Access travel services, 25% back on United in-flight and Club premium drink purchases when using your card, flight upgrades on award tickets, no foreign transaction fees and Avis President’s Club status. 

Summary of Chase credit cards with lounge access

Travel benefits of the chase sapphire preferred card.

The Chase Sapphire Preferred offers plenty of value for travelers despite the lack of lounge access. First, the card has a $50 annual hotel credit for stays purchased through Chase Travel℠. And, points are worth 25% more when redeemed for travel via Chase travel portal.

On top of that, this Chase card features numerous travel protections to help if things go wrong during your adventures. Protections available with the Chase Sapphire Preferred include: 

• Trip cancellation/interruption insurance.
• Trip delay reimbursement.
• Primary rental car insurance .
• Baggage delay insurance.
• Travel and emergency assistance service.

How to get the Chase Sapphire Preferred Card welcome bonus

Chase Sapphire Preferred comes with a generous welcome bonus for eligible new cardholders. You’ll earn 60,000 points after spending $4,000 on purchases in the first three months of account opening.

To be eligible to open the Sapphire Preferred and earn the bonus, you cannot currently own a Sapphire card or have received a welcome bonus for any Sapphire card in the past 48 months. 

Other ways to get lounge access

If you opt to carry the Chase Sapphire Preferred but still want airport lounge access, know that your card won’t provide it. Thus, you will have to get into a lounge another way, and may have to pay for it, either by paying an annual fee on a card with lounge access or paying the visitor day rate upon arrival. 

Pair it with another credit card with lounge access

Pairing the Chase Sapphire Preferred with another credit card that offers lounge access can be a great way to access lounges and maximize your rewards-earning potential. Using a multi-card strategy can help you take advantage of each card’s unique travel and other benefits. If each offers bonus rewards rates in different spending categories, you can use both accordingly to earn the biggest bang for your buck. 

You can choose from any of the Chase cards mentioned above that offer lounge access or look for a card through another card issuer. Other cards that offer airport lounge access include (terms apply): 

• Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
• The Platinum Card® from American Express  (enrollment required)
• 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. (enrollment required)
• U.S. Bank Altitude® Reserve Visa Infinite® Card * The information for the U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

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

Compare card benefits, including lounge access, annual fees and rewards rates, to find options that best fit your needs. But make sure you’re aware of any fine print applying to the lounge access provided by a card you’re considering. For example, lounge access with the Delta SkyMiles credit cards listed above is only available when you’re flying Delta or a partner airline.

Purchase an airport lounge membership

If your credit card doesn’t offer lounge access, some lounge networks allow you to purchase annual memberships with cash or points and miles. Networks that sell annual memberships include American Airlines Admiral Club, Delta Sky Club, United Club and Priority Pass. 

Costs vary depending on the network and membership level. For example, the most basic Priority Pass membership level runs $99 per year, with a $35 fee per person per lounge visit.

Also, know that not all lounge networks allow you to purchase a membership. The Centurion Network is only available to eligible American Express cardmembers with select Amex cards . 

Book business or first class fares

You may have lounge access if you book business or first-class flights through select airlines. In some cases, this is only available for international flights. Check with the airline if they offer lounge access with business class and first class tickets before booking.

Earn elite status with an airline

Achieving elite status with certain airlines can open up complimentary access to its network of lounges. Typically, you must reach a higher elite status tier within an airline loyalty program to earn benefits like lounge access. American Airlines AAdvantage, Delta Medallion and United MileagePlus offer discounted or complimentary lounge network access depending on your status tier. 

In some cases, this can be difficult to achieve unless you frequently book flights with the airline or have an airline card that helps you earn elite status.

Buy a day pass

If you don’t want to purchase a lounge membership for an entire year, select airlines allow you to buy a day pass to access their lounges on your departure day. Typically, the day pass must be with the airline you are flying with and may have certain restrictions on when you can use the pass. United Club and Admirals Club offer lounge day passes for $59 each, for example.

LoungeBuddy

LoungeBuddy is a mobile app that allows you to see which airport lounges are available during upcoming trips. You can purchase lounge access within the app for select networks and lounges regardless of airline status or whether you have a membership. The lounge booking platform doesn’t operate any lounges but partners with networks to provide access to LoungeBuddy users. It’s an excellent option for travelers who don’t want to be tied to a specific airline. 

Frequently asked questions (FAQs)

The Chase Sapphire Preferred Card doesn’t offer airport lounge access. If you’re seeking lounge access while traveling with the Sapphire Preferred, know that some lounge networks offer annual memberships or one-time day passes for purchase. 

The Chase Sapphire Reserve comes with a complimentary Priority Pass Select membership (enrollment required). This membership allows cardholders to access over 1,300 airport lounges in over 500 cities worldwide. The card also features other valuable travel benefits such as a $300 annual travel credit, Global Entry , TSA PreCheck or NEXUS fee credit and many of the same travel protections included with the Sapphire Preferred.

Just know that the Chase Sapphire Reserve carries a $550 annual fee, so it’s only worth it if you travel frequently and plan to take advantage of most of the card’s benefits.

This depends on what specifically you’re looking for in a travel card with lounge access. For example, the Amex Platinum offers what may be the most extensive lounge access you can get with a card, in exchange for a hefty $695 annual fee (terms apply). The Capital One Venture X charges a milder $395 annual fee and provides a Priority Pass membership (enrollment required).

You’ll want to evaluate additional factors as well when choosing a card. With the two mentioned above, the Amex Platinum earns American Express Membership Rewards points while the Venture X earns Capital One miles, with each currency transferable to a different list of partners.

*The information for the Capital One Venture Rewards Credit Card, Capital One Venture X Rewards Credit Card, The Business Platinum Card® from American Express, U.S. Bank Altitude® Reserve Visa Infinite® Card, United Club℠ Business Card, United Club℠ Infinite Card, United℠ Business Card and United℠ Explorer Card 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.

Kevin Payne is a personal finance and travel writer who covers credit cards, banking, and other personal finance topics. In addition to Forbes, his work has been featured by Bankrate, Fox Business, Slick Deals, and more. He is the budgeting and family travel enthusiast behind Family Money Adventure. Kevin lives in Cleveland, Ohio with his wife and four kids.

Glen Luke Flanagan is a deputy editor on the USA TODAY Blueprint credit cards team. Prior to joining Blueprint, he served as a deputy editor on the credit cards team at Forbes Advisor, and covered credit cards, credit scoring and related topics as a senior writer at LendingTree. He’s passionate about helping people understand personal finance so they can make the best decisions possible for their wallet. Glen holds a master's degree in technical and professional communication from East Carolina University and a bachelor's degree in journalism from Radford University.

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Chase Sapphire Lounge by The Club at LaGuardia Airport [Review]

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Chase Sapphire Lounge by The Club Location

Gaining entry to the sapphire lounge, first impressions, main lounge, fireplace lounge, family room, table service, arcade room, wellness room, reserve suites, staff and service, final thoughts.

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LaGuardia Airport’s been the butt of jokes in New York City for as long as anyone here can remember, from its too-short runways that seem to dare pilots to dip their toes in Flushing Bay to terminals that leave confused tourists wondering whether the airline had played a joke on them and left them stranded in a decrepit Midwestern bus terminal instead of introducing them to the majesty of the City That Never Sleeps.

But like the girl in the movies who takes off her glasses and becomes prom queen, LaGuardia’s suddenly getting all the right kind of attention. A much-needed makeover rebuild of the airport has made it arguably the chicest way to say goodbye to New York City.

And the jewel in the prom queen’s tiara? The new Chase Sapphire Lounge by The Club, which opened on January 16, 2024

Before I boarded a flight to Dallas with my kindergartener in tow, I made a point of going to LaGuardia Airport a couple of hours early on a Friday, even through a surprise earthquake , to check out the lounge every flyer in New York’s been talking about

The main entrance to the Sapphire Lounge is in the east hall of the airside part of Terminal B of LaGuardia Airport (LGA) , right at the point of The Elbow. If you’re familiar with LGA, you know exactly the sharp left turn I’m talking about: between the Centurion Lounge and the puzzlingly named Brooklyn Diner.

(LGA’s in the borough of Queens, and probably 95% of the tourists who come to LGA go straight to Manhattan. There are no Brooklyn Diners in Brooklyn. There are , however, 2 “Brooklyn” Diners in tourist-trap areas in Manhattan.)

On our visit, a pair of friendly lounge staff members were at the entrance to the Sapphire Lounge, welcoming people in. Or maybe it’s more accurate to call it the entrance to the entrance since this level was home merely to the elevators to the Sapphire Lounge.

When we arrived in the late morning, there was no wait to get in, but a line had formed by the time we left midday.

The elevators led down to a hallway that led to the actual reception desk, where attendants scanned my Priority Pass Select card (which I’d enrolled in through my Chase Sapphire Reserve ® ) and welcomed us in. Noticing I had my young son with me, a woman at the desk personally led us to the family room, pointed out the fun stuff and QR codes for ordering delivery from the kitchen, and wished us a good stay.

Chase Sapphire Reserve ® , J.P. Morgan Reserve Card, and The Ritz-Carlton™ Credit Card holders who’ve enrolled in Priority Pass get access to the Sapphire Lounge and can bring up to 2 guests for free as many times as they’d like throughout the year. Each additional guest costs $27, though Ritz-Carlton cardholders can bring in an unlimited number of guests for no additional charge.

Other Priority Pass members get 1 free visit to any Sapphire Lounge by the Club but must pay $75 for each subsequent visit that year. The exception is the Sapphire Lounge by the Club at Hong Kong International Airport (HKG), where vanilla Priority Pass members have unlimited access.

The Sapphire Lounge at LGA is open daily from 4:30 a.m. to 9:30 p.m. Unless you have a connecting flight, you can enter the lounge up to 3 hours before your flight departs.

Want to learn more about what you can do with a Priority Pass membership? Read our full guide to the best Priority Pass lounges in the world !

If you’ve ever seen Monty Python’s “The Meaning of Life,” you may remember the final scene, in which the Grim Reaper escorts a group of discombobulated guests from an unintentionally fatal dinner party through a pair of doors that lead to a massive dinner-theater restaurant. That place turns out to be a highly choreographed, lavishly gluttonous, beautifully backlit heaven.

Walking into the Sapphire Lounge at LGA was kind of like that, minus the musical number, Tom Jones impersonators, and Christmas-themed nudity.

There have been more than enough articles to go around, from the press preview and after, detailing the lounge’s effortless style, the amazingly effective recessed ceiling lighting, and design elements like the bottom-lit winding staircase that make seemingly every first-timer go “Wow.” But, yeah, they did a good job here.

The art was tasteful and “real” New York throughout — I didn’t see a single black-and-white city skyline photograph, yellow cab, Statue of Liberty, or floating hot dog the entire time I was here.

Though relegated to the empty elevator hallway upstairs, for example, a painting dominated the floor once you noticed it. It was by Matthew Kirk, an Arizona-born, Wisconsin-raised Navajo painter who now lives in Queens. And that’s about as New York as you can get.

However, there were no windows, meaning no apron views and no natural light. It wasn’t a big deal at first, as the lounge was ingeniously lit to make it seem light and airy rather than dark and cavernous. But as we neared the end of our third hour in the lounge, I found myself craving sunlight and open spaces, especially as the place started to fill up more.

Nothing in the lounge seemed to have been affected by the earthquake the area experienced while I was in the lounge besides staff and guests trading “I felt shaking” and “I didn’t feel a thing” earthquake stories.

For a complete walk-through of the lounge, check out the video tour below:

The circular bar served as the hub from which the other sections of the lounge radiated. The staircase to the upper level coiled up gently behind the bar.

To one side was the buffet and buffet seating — mostly 2-tops and a couple of banquettes, but also an island counter with chairs.

Opposite that space was more leisurely seating, which had a healthy mix of seats — and lots of them. The infatuation with the lounge is real, though, and it became harder as the day wore on to find empty seats. (We arrived late morning and left a little past midday.)

Off the main area was a rectangular annex with a faux fireplace (orange LEDs and cool water vapor — of course my son immediately stuck his hand in to make sure) and an open side room with couches that seemed intended for small groups to take over.

The other side of the fireplace lounge had orange side-by-side couple loveseats, and I honestly can’t think of a better thing to call them except to fall back on old layout terms and describe them as parentheses where the layout designer had really messed up the kerning (I’m assuming to try to squeeze in 1 last classified ad).

They looked like they must’ve been a smash during the design stage but seemed really awkward to use in real life. They were too intimate to share with a stranger or coworker, but if you were sitting in them with your partner, family member, or close friend, wouldn’t it feel unsettling and unnatural to be facing opposite directions? Plus, only 1 side got a table.

There were open work booths and cubicles with doors around the Loneliest Loveseats in the World.

In a corner of the lounge by the entrance was the family room, which featured banquette seating, soft ottomans, and a circular bench sheltered by a fake tree. The light in the family room was fairly dim and really yellow, for some reason. I suppose it was supposed to convey warmth.

There was a blue velvet curtain leading to the game room (on which more later). To one side was a playroom for toddlers and babies, a more brightly lit space happily decorated with upbeat retro banking posters and littered with foam blocks and toys. On the far wall, 2 pear-shaped nooks provided perches for parents to watch over their wee ones.

Once I could drag my kid away from the game room and family room, we naturally raced up the winding staircase to the second floor, which was mostly more armchairs circling a pillar sculpted like a tree trunk doing the mambo (as seen from behind).

Toward the front wall, the second floor led to an emergency exit, a pair of elevators, and the Reserve Suites.

This level also had great views of the action below.

That is, if people checking their phones, working on laptops, and feeding themselves buffet food is how you define “action.”

It was easy to find power outlets throughout the lounge , usually under benches or counters. They were frequent and spaced out evenly enough that there never seemed to be that awkward moment with your neighbor that feels as fraught with potential danger as staking a mining claim during the Gold Rush. Even the baby playroom had lots of underseat electrical outlets, which you can look at as a good or a potentially very bad thing.

Food and Beverage

The buffet was well-stocked, with a good variety of choices that staffers constantly replenished . It was an open kitchen, so you could see the employees making the dishes, plating them, and filling empty spots with attractive ranks and files of foods on black or white ceramics.

There were 2 buffets arranged in an L, but it wasn’t a strict cold-hot split.

One had mostly cold dishes like fresh ricotta with basil and a strip of marinated red bell pepper; pesto burrata; flatbreads with harissa; and the desserts.

This half of the buffet also had beet-and-apple salad and kale salad with smashed avocado — between the buffet and the à la carte delivery menu, I think vegetarians and vegans would’ve felt like they had a reasonable selection in this lounge, but I’ll defer to Upgraded Points contributor Ryan Smith ‘s take when he comes through LGA.

The staff had done an admirable job of keeping the plates and bowls nice and neat and orderly, but all sugary hell had broken loose by the time we got to the desserts, which I blame on less-than-meticulous guests rather than the lounge employees. That’s what you get for working with confectioners sugar, I guess.

Standing guard over a corner was a mostly untouched bowl of oranges and individually wrapped green apples and 2 jars of biscotti (chocolate and almond).

The other side of the buffet had hot and cold foods, like salt cod brandade and Korean fried chicken alongside Caesar salads and steamed cauliflower with harissa.

I took a tray of buffet foods back to our encampment in the family room and tried a bite or 2 of each. The fresh ricotta was the winner, creamy without being cloying, a great base for the sweetness of the red pepper and the vaguely minty sharpness of the basil to play against.

The grilled cheese was visually gorgeous but a gustatory disappointment. I’m firmly in the camp that believes grilled cheese has to be fresh to be even decent, and this sandwich was cool and hard by the time I got to it. I couldn’t tell what kind of cheese was used at this point because it had turned to plastic, but I guessed it was a mild cheddar.

Plus, it had been drizzled in honey and had pistachios crumbled over it. Way too much was going on for a sandwich that’s all about its simplicity — had someone taken a dare to turn baklava into a luncheon main course? Granted, an airport lounge kitchen isn’t the place for short-order cooks, but if you’re going to have mediocre grilled cheeses, you should at least offer a hot, creamy tomato soup for diners to attempt to revive them with.

The salt cod brandade was unctuous but parsimoniously portioned once you dug through the Arrakis-sized dunes of toasted breadcrumbs. The cauliflower was … cauliflower.

To be transparent, I could only manage a couple of bites of the buffet foods because we’d already had a full lunch thanks to the lounge’s table service. (So, yes, I’m doing this kind of backwards, but people always seem to want the buffet stuff first.)

Tables in the lounge were numbered and labeled with an associated QR code. Scanning the code on my phone brought up a made-to-order delivery menu with mostly fan-favorite dishes you couldn’t normally find at the buffet, like seared salmon and roast beef sandwiches, and at least 1 vegan and gluten-free dish of tofu with shirataki noodles.

I ordered a hamburger, which came with a tomato slice, lettuce, and fries. I was allowed to request a temperature for my burger … sort of. When I clicked on the burger line in the menu, a pop-up asked if I wanted my burger well done. I definitely didn’t (I’m usually a medium rare, rare, or even blue guy when it’s good meat), so I was careful not to check “well done,” which I suppose means I ordered my burger “not well done.”

It came well done.

But don’t get me wrong! It was still good — probably the best hamburger I’ve eaten within 1 mile of a commercial airplane.

The delivery wasn’t quick , and the other families in the room seemed to have been waiting longer than they’d expected, as well. It didn’t seem to be an issue just in the family room, either: Later, at the island counter near the buffet, a man asked everyone nearby if they wanted his roast beef sandwich whenever it was finally delivered since he was going to miss his flight if he kept waiting.

About 20 to 25 minutes after I’d ordered our lunches, at which point my son had tired of waiting and was off exploring nearby, the food came — and was delivered to the wrong family . Apparently, the tables had been moved around, and the server, working by memory, delivered to the table in our QR code’s usual place in the corner. It was all cleared up quickly, though.

So I had and enjoyed my burger. And my son ordered …

Actually, guess what my American-raised kindergartener wanted to eat. Go ahead, take a wild guess.

I’ll wait a couple more seconds for those without kids.

If you guessed my young child refused to each anything but chicken tenders, you can award yourself 10 UP Lounge Review points. (If you said, “chicken nuggets,” that counts, too.)

So my son ate 2 bites of 1 chicken tender, declared them “not good” and immediately disappeared into the arcade. I took a bite myself and agreed — they weren’t made from juicy, whole cuts of chicken breast but had that dry, gritty feel of reconstituted scraps of various dark and white meat. The breading, however, was thick and nicely crunchy.

The steak fries accompanying both my burger and his tenders were fine — not the best I’d ever had, but probably the best fries I’d had in an airport lounge. (Or airport, for that matter.) They were basically standard diner fries, which is usually a good thing. My son reappeared from the game room long enough to make those disappear.

Our food came with a separate saucer with a generous dab of ketchup. We’d ordered a chocolate chip brownie that arrived in its package and survived long enough for my son to share it with family in Texas. It was a decently moist and chocolatey packaged brownie, and not overpoweringly sweet.

I didn’t have a chance to really patronize the bar, which was fairly full during our midday visit.

Attentive bartenders watched over every quadrant of the counter, which was filled with lots of guys working on their laptops or tapping furiously on their phones.

When the lounge opened, Chase made a big deal of the bar’s menu being curated by Apotheke Chinatown , which is a real bar that New Yorkers actually go to and not a pretend place that’s just there to fool tourists at the airport into thinking they’re partaking of 1 last “authentic” experience. (I’m looking at you, “Brooklyn” Diner.) The bar serves the lounge’s signature cocktail , the Sapphire, made of gin or vodka with blueberry and goldenberry juices, lime, ginger, bee pollen, and spices.

But I didn’t have a drop to drink during this visit, because I was on dad duty. I didn’t order anything for myself from the bar, cocktail or not, but the bartender was quick to respond and helpful when I asked him to refill my kid’s “Moana” water bottle, and even put in ice.

There were 2 drink counters in the lounge on opposite sides of the lounge: 1 by the buffet and the other in a screened-off corridor between the family and wellness rooms and the fireplace lounge. The counters had self-serve espresso machines and cold brew, fruit-infused waters, teabags, and bowls of fruit.

A knee-high minifridge held carbonated soft drinks, apple juice boxes, and flavored seltzer water.

As you might’ve guessed by now, we spent about half of our total time at the Sapphire Lounge in the game room, which you accessed via a “secret” corridor hidden by blue velvet curtains in the family room. It went almost entirely unused by anyone else almost our entire stay.

We amused ourselves with the tabletop shuffleboard-type game way longer than I would’ve expected, and the board was fairly well taken care of, though no one had swept the sand from the surface all day, apparently. There were no instructions or information about what the game was actually called (and no one we asked could agree on the name), but I just assumed it followed the fairly universal pétanque-type rules.

It took a while for my purely 21st-century child to wrap his mind around the idea that the only purpose of an appliance bigger than our oven was to play songs, and only some hundreds or a couple thousand of them, but he enjoyed watching the jukebox physically pick up and play the records. There were no instructions for how to use the odd number system to select or play records, so the music we got was essentially random. (It was almost all oldies.)

There was a small New York-themed pinball machine in the other corner, but it was out of order.

On a counter was a small rack with postcards with photos of the West Village. Though Terminal B does have mailboxes, these postcards didn’t come stamped, so it’s not like you could send a last merry “wish you were here” to friends at home for them to read weeks after you saw them again in person. (Unless you’re the kind of person who regularly works visits to local post offices into your vacations.) It wasn’t clear whether you could ask the front desk at the lounge to stamp and send these postcards for you, or, if they did, whether they would do so for both U.S. and international addresses.

Directly behind the velvet curtain from the family room was a photo booth, which we stepped through to get to the arcade proper.

Once the machine took our photos, I typed in my email address for the photo to be sent to me. It was a fun feature that entertained my son and other kids for longer than you’d think, but the photos we were emailed looked terrible and not at all like what we were shown on the screen — the fact that the only light was directly above and rather harsh made everything unflattering and weirdly lit, too, turning smiling visages into shadow-filled skull faces — if you fit in the frame. Suffice it to say my email account was soon clogged with badly lit photos of the top of my kindergartener’s head.

To say the arcade, indeed much of the lounge, was an exercise in nostalgia wouldn’t be wrong. The records (actual records!) were at least 40 or 50 years old, and all showed the creases and fading of artifacts from bygone eras.

More out of reach were replicas and designs that evoked an age when people flocked to the bright lights of the Great White Way and New York City was the broadcast capital of America, with big bands blasting dance tunes over radio waves when they weren’t dominated by tales of tough guys saying things to each other like, “See here, fella!”

The QR codes at the table didn’t just bring up food menus — you could also reserve a time at a wellness room right down the corridor by the family room. The lounge offered free, 30-minute facial treatments with Face Haus products and a free Face Haus skincare travel kit.

Have you ever even attempted to persuade a 6-year-old boy to try or wait around while you tried a 30-minute facial for work? Neither have I.

But Upgraded Points News Managing Editor Stella Shon visited around the same time we did, and I’m sharing her photos of the wellness rooms here. Thanks, Stella!

The wellness rooms had their own check-in desk so that guests didn’t just walk into the rooms and start squirting glops of product on their faces and hair.

Wellness rooms featured reclining dentist-style chairs for clinicians to work on beautifying guests.

The room looked immaculate.

Stella managed to snap a photo of the wellness menu and available treatments, which made claims about doing various things to your hair, skin, lips … and, look, you might as well be talking to me about the extracellular matrix proteins in sea cucumbers, I’m so lost here.

The Reserve Suites were on the upper level and had their own reception desks. A kind woman told us the suites were already booked but that we would’ve had to reserve 72 hours ahead of time and shell out $2,200 to $3,000 for 3 hours .

Stella got inside a suite and took these photos, however, which I’ll try to explain like a guy who’s never left Michigan narrating a slideshow about the coming-of-age ceremonies of the Bembu people of Zambia.

According to Chase’s website , the Reserve Suites come with caviar service upon arrival, suites-only menus, suites-only wine selections, a TV, and private bathrooms and showers . (The rest of the lounge doesn’t have showers. Or caviar, for that matter.)

Apparently, each suite also has its own dining table, bar counter, and … miniature black hole set into the wall?

Oh, hey! It’s the TV!

Apparently, the suites are well-kept and have some sort of circle theme throughout.

My biggest gripe with the lounge as a whole was that there were no showers for “regular” lounge guests . That wouldn’t be an issue for Reserve Suites guests, of course, but is $2,200 really worth it for a shower? Even if you took a 3-hour shower? That’d be $733.33 per hour for vertical hot water!

They did have rainfall showerheads, though.

The Sapphire Lounge couldn’t have you refresh yourself with a nice, hot shower only to dry off by shaking yourself like a shaggy dog, could it? Towels and robes were, of course, included.

Also, there were lotions and serums and the like.

And more skin stuff. Sea cucumbers, man. Sea cucumbers.

The Sapphire Lounge had fast Wi-Fi that was strong throughout the space, though I wasn’t able to crack open a laptop or run a speed test while I was there. I will note that there were many, many people working on their laptops during our visit, seemingly without issue.

The bathroom at the Sapphire Lounge was clean but relatively bare-bones. It had large stalls but no extra amenities like toothbrushes, disposable razors, or cologne, and there wasn’t an attendant.

Who uses those big bottles of public bathroom cologne, anyway? What’s the story behind how that became a thing the people who stocked public restrooms thought might be a good idea?

The handicapped stall was large, and the walls and doors, though they didn’t go all the way down to the floor, were at least ankle height and not knee height, so you got a sense of a little more privacy than in most public lavatories.

When we went, it’d apparently been a while since it had been tended to. It was clean, but the toilet paper was hanging loose.

The lounge staff seemed genuinely excited , aware that they were representing possibly the best lounge in New York (maybe even the U.S.), and proud of that fact. You could even see the difference between their faces and postures and those of the more resigned, tired-looking employees checking IDs in front of last generation’s prom queen, the Centurion Lounge, right next door.

The servers were friendly and, though the food didn’t come quickly, were helpful and cleared plates regularly. The staff were mostly proactive about making guests’ stays more pleasant. The kitchen staff quickly made and replaced buffet dishes. The front desk staff immediately ascertained our particular needs as a travel group (1 parent, little kid, bored quickly) and personally took us where we needed to be. (And she was spot on because my son didn’t want to leave “our” spot for a long, long time.)

But it was the staff’s palpable excitement at being front and center at an airport’s A-plus product that really shone through. We’ll have to see if that enthusiasm wears down once the scuff marks begin to show, but at least for now, it’s infectious and made us as feel as keen to experience all the lounge had to offer as they were to share it.

The Sapphire Lounge by The Club at LaGuardia Airport is really, really nice, and lives up to the hype it’s been getting — at least for now. Based on my experience here, eligible cardholders and Priority Pass members should be very excited for Chase to bring more lounges online.

I liked the Sapphire Lounge by The Club at LaGuardia Airport. I liked it a lot. And my kindergartener liked it, too — he was still talking about it hours after we’d landed in Dallas. Prioritizing this lounge is clearly a no-brainer when you’re traveling through Terminal B. The layout is intuitive and uncramped, the aesthetic is tasteful, and the food (and its timing) could use tweaks, but it isn’t half bad.

It’s always great during a grueling layover to know there are clean showers you can take without dipping into your wallet, and this lounge definitely doesn’t have those. Natural light and actual windows are always a plus, but the Sapphire Lounge seems to have cannily designed around its deficits, so you don’t really notice for a couple of hours.

All in all, the Sapphire Lounge by The Club may just be the new lounge to beat in the U.S.

The information regarding the J.P. Morgan Reserve Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding The Ritz-Carlton™ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

Where's the chase sapphire lounge by the club in laguardia.

The Sapphire Lounge is airside in Terminal B between the Brooklyn Diner and the Centurion Lounge.

Are there showers at the Sapphire Lounge at LGA?

The only showers are for those who book Reserve Suites. There are no showers available to other guests.

How much do suites cost at the Sapphire Lounge at LGA?

You must pay $2,200 or $3,000 for Reserve Suites at the Sapphire Lounge, and must book suites at least 72 hours in advance.

Who can use the Sapphire Lounge at LGA?

Chase Sapphire Reserve card, J.P. Morgan Reserve card, and Ritz-Carlton card holders who’ve enrolled in Priority Pass get access to the Sapphire Lounge and can bring up to 2 guests for free as many times as they like throughout the year. Each additional guest costs $27 each, except for guests of Ritz-Carlton cardholders, who can bring in an unlimited number of guests.

Other Priority Pass members get 1 free visit to any Sapphire Lounge by the Club but must pay $75 for each subsequent visit that year.

When is the Sapphire Lounge open at LGA?

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About Michael Y. Park

Michael Y. Park is a journalist living in New York City. He’s traveled through Afghanistan disguised as a Hazara Shi’ite, slept with polar bears on the Canadian tundra, picnicked with the king and queen of Malaysia, tramped around organic farms in Cuba, ridden the world’s longest train through the Sahara, and choked down gasoline clams in North Korea.

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Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

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Information about the Signify Business Cash℠ Card by Wells Fargo has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

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Overall, the Signify Business Cash Card compares favorably to similar business credit cards that earn cash back. The American Express Blue Business Cash™ Card earns 2% cash back on up to $50,000 per year (then 1% back). Its welcome offer is a $500 statement credit you earn after spending $8,000 in purchases on your card in the first three months after account opening. The Wells Fargo Signify Business Cash card earns an unlimited 2% in cash rewards and its bonus has the same value as the Blue Business Cash (even though the Wells Fargo card has a smaller spending requirement) .

The American Express Blue Business Cash™ Card

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

0% for 12 months on purchases from date of account opening

18.49% - 26.49% variable; APRs will not exceed 29.99%

Credit needed

See rates and fees , terms apply.

The Ink Business Unlimited® Credit Card earns 5% cash back on Lyft rides (through March 2025) and 1.5% cash back on all other purchases. This makes the Signify Business Cash more rewarding for most spending. The Ink Business Unlimited has a larger welcome bonus, but over the long haul, the Signify Business Cash Card's increased cash rate will win out.

You can move the cash-back rewards you earn with the Ink Business Unlimited to a Chase credit card that allows point transfers, such as the Chase Sapphire Preferred® Card . While the Signify Business Cash offers the same path to transferring cash rewards, Wells Fargo's travel rewards program is new and it has a far less robust list of transfer partners. If you can maximize Chase's travel partners , it's possible to squeeze more value out of the Ink Business Unlimited despite its slightly lower cash-back rate.

Ink Business Unlimited® Credit Card

Earn 1.5% cash back on every purchase made for your business

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

0% for the first 12 months from account opening on purchases; N/A for balance transfers

18.49% - 24.49% variable

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

Good/Excellent

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Bottom line

Wells Fargo isn't messing around with the new Signify Business Cash Credit card, which instantly becomes one of the best no-annual-fee business credit cards . It offers 2% cash rewards on all purchases with no caps, a valuable welcome bonus and no annual fee. Unless your business can benefit from specific bonus spending categories or you want free airport lounge access, it's hard to go wrong with this card.

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For rates and fees of the Wells Fargo Autograph℠ Card, click here .

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