The Guide to Chase Sapphire Preferred Lounge Access

The Sapphire Preferred Card offers rewards for a lower fee, but the Sapphire Reserve includes lounge access.
Tiffani Sherman
By Tiffani Sherman 
Published
Edited by Meg Lee

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The Chase Sapphire Preferred® Card is a midlevel travel credit card with some solid benefits and points-earning potential, along with a $95 annual fee.

But does the Chase Sapphire Preferred® Card get you into airport lounges? The short answer is no.

The Chase Sapphire Preferred® Card does not include any type of Priority Pass membership or regular entrance into Chase Sapphire Lounges or other airline-specific clubs.

If you want to stay within the Chase family of cards and you’re looking for lounge access, you’ll need the Chase Sapphire Reserve® card instead.

But don’t write off getting the Chase Sapphire Preferred® Card. It still has some good benefits.

Chase Sapphire Preferred® Card includes one complimentary lounge visit, with strings attached

Chase Sapphire Preferred Credit Card
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Chase Sapphire Preferred® Card holders are allowed one complimentary access to the Chase Sapphire Lounge by The Club annually, if they have a Priority Pass membership that they’ve purchased separately.

Priority Pass members can then buy additional passes to the Chase Sapphire Lounge by The Club for $75 a pop, if they are available.

Otherwise, the Chase Sapphire Preferred® Card does not inherently include airport lounge access.

What to do instead

Purchase lounge membership

Cardholders can pay out-of-pocket for a membership to a qualifying airline lounge program, including:

Cardholders can also buy day passes at eligible lounges.

🤓Nerdy Tip

Purchasing Priority Pass or an airline-branded lounge membership does not qualify as a travel category expense on the Chase Sapphire Preferred® Card, so you will not earn 2x points.

Upgrade your card to the Chase Sapphire Reserve®

If you want included lounge access in the Sapphire family of cards, you’ll need to upgrade to the Chase Sapphire Reserve® card.

Because the Chase Sapphire Reserve® is a premium card, the annual fee is higher at $550 (and $75 for each authorized user), but many additional benefits help offset the cost.

Chase Sapphire Reserve Credit Card
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First, there is the $300 annual travel credit that reimburses you for travel purchases.

Then there are the increased points bonuses in certain spending categories:

  • 5x points on flights purchased through the Chase's travel portal.

  • 10x points on hotels and car rentals purchased through Chase's portal.

  • 3x points on dining.

  • A 50% increased value when redeeming points through the portal.

Lounge access is included as part of the Priority Pass Select membership; Chase Sapphire Lounges are included as well. Currently, there are lounges in Boston, Hong Kong and at New York’s LaGuardia and John F. Kennedy International airports. More clubs are on the way.

The card also includes:

  • $100 in Global Entry or TSA PreCheck or Nexus fee every four years. 

  • Two-year Lyft Pink All Access membership.

  • A DoorDash subscription.

  • One year of complimentary Instacart+.

An overview of the Chase Sapphire Preferred® Card

Chase Sapphire Preferred Credit Card
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The annual fee for the Chase Sapphire Preferred® Card is $95 with no additional fee for authorized users.

Spending on the card earns Chase Ultimate Rewards® points, flexible points you can redeem for travel or other things like cash back or purchases.

The Chase Sapphire Preferred® Card earns 1 point per dollar on most purchases, but there are ways to earn additional points.

  • 2x points on travel purchases or 5x points on purchases made through Chase's travel portal.

  • 3x points on dining.

  • 3x points on online grocery shopping.

  • 3x points on select streaming services.

You can then use those points in several ways, including transferring them to partners or redeeming them through Chase's travel portal.

For redemptions in Chase's portal, Chase Sapphire Preferred® Cardholders get 25% more value per point than they would if they didn’t have the card.

The Chase Sapphire Preferred® Card also includes several travel insurance benefits:

  • Trip cancellation and interruption insurance.

  • Baggage delay insurance.

  • Trip delay reimbursement.

  • Primary car rental collision damage waiver.

  • Services for travel and emergency assistance.

Chase Sapphire Preferred® Card lounge access, recapped

The Chase Sapphire Preferred® Card does not include any airport lounge benefits as a perk of having the card, but it does have other travel benefits for a $95 annual fee.

If lounge access is your goal and you think you will get enough out of this benefit and others to justify the higher annual fee of $550, the Chase Sapphire Reserve® card may be your best bet.

How the Sapphire cards compare
Chase Sapphire Preferred Credit Card
Chase Sapphire Preferred® Card
Apply now

on Chase's website

Chase Sapphire Reserve Credit Card
Chase Sapphire Reserve®
Apply now

on Chase's website

Annual Fee

$95

$550 plus $75 for each authorized user.

Earn rates

• 5 points per $1 on travel booked through Chase.

• 3 points per $1 on dining (including eligible delivery services and takeout), select streaming services and online grocery purchases (not including Target, Walmart and wholesale clubs).

• 2 points per $1 on other travel.

• 1 point per $1 on other purchases.

• 10 points per $1 on Chase Dining, hotel stays and car rentals purchased through Chase.

• 5 points per $1 on air travel purchased through Chase.

• 3 points per $1 on other travel and dining not booked with Chase.

• 1 point per $1 on other purchases.

Redemption bonus

Points worth 25% more when redeemed for travel booked through Chase.

Points worth 50% more when redeemed for travel booked through Chase.

Anniversary bonus

10% of your total purchases in the previous year.

None.

Travel credits

$50 in statement credits toward hotel stays purchased through Chase's travel portal.

$300 annual travel credit.

Other travel benefits
  • Travel protections, including auto rental collision damage waiver and baggage delay insurance.

  • No foreign transaction fees.

  • Priority Pass Select lounge access.

  • Statement credit for Global Entry, TSA PreCheck or NEXUS application fee every four years.

  • Complimentary Lyft Pink membership for two years.

  • Travel protections, including auto rental collision damage waiver and baggage delay insurance.

  • No foreign transaction fees.

Other benefits
  • Complimentary DashPass for at least one year through Dec. 31, 2024.

  • Complimentary DashPass for at least one year through Dec. 31, 2024.

Still not sure?

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:

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