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Centurion Lounge access is one of the best benefits of the American Express Platinum Card®. These lounges can provide a respite from the chaos of airports. The buffet of food curated by local chefs can be a far stronger motivation to get to the airport early than Transportation Security Administration recommendations. The open bar might be enough to wish your flight was delayed, as that might be one less drink you’d otherwise pay for.
But for better or worse, the Centurion Lounge perk significantly changed on Feb. 1, 2023. Formerly, Centurion Lounges were accessible to Platinum Card members and up to two guests at no additional charge. But that's no longer the case, threatening to take a big chunk out of the value against the American Express Platinum Card®’s annual fee, $895 (see rates and fees). Terms apply.
(The Centurion Lounge guest policy changes also apply to The Business Platinum Card® from American Express, which has similar benefits and a $895 annual fee. see rates and fees). Terms apply.
The complimentary Centurion Lounge guest policy has ended
As of Feb. 1, 2023, the ability to bring in two guests at no additional cost went away for most cardholders. Now, unless you spend $75,000 or more each calendar year on your card, you’ll need to pay $50 to bring an adult guest ($30 for children ages 2 through 17) into the Centurion Lounge. Terms apply.
In some ways, the Centurion Lounge guest policy change is good news for travelers who’ve been frustrated by lounges crowded enough to necessitate a queue. But for cardholders who regularly used the lounges with up to two buddies, that’s a big drawback.
For some, it’ll now be harder to justify the American Express Platinum Card®’s $895 annual fee, particularly if your home airport had a lounge. Terms apply.
Lounge addicts who don’t typically travel solo are left with a conundrum: Should you give up on lounges, make your travel companion an authorized user or have your travel companions apply for their own card? Assuming you're not hitting that minimum spending requirement to bring guests, you still have a few options for how to lounge with friends, including paying the day pass fee, adding authorized users to your credit card or convincing them to apply for their own card.
Here are your options around how to navigate the Centurion Lounge guest policy, and how to decide which is most worthwhile:
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Pay the Centurion Lounge guest fee
The guest fee is $50 per person (or $30 for children aged 2 through 17), assuming you didn't meet the minimum spend requirement of $75,000 per calendar year needed to bring in two complimentary guests per visit.
$50 for a perk that used to be complimentary can feel brutal, but it might be easier to justify considering the perks that go into the lounge.
At San Francisco's Centurion Lounge, you'll dine on dishes designed by Ravi Kapur, the Executive Chef at Liholiho Yacht Club. That restaurant is among the highest-rated in San Francisco, and — besides commanding a high price tag — it can be tough to even get a reservation. This lounge serves similar dishes, buffet-style.
Drinks are usually complimentary too. Over at the Centurion Lounge at New York-LaGuardia Airport, you can sip on signature cocktails designed by mixologist Jim Meehan. Options include alcohol-free mixed drinks and original cocktails like the Lower East Cider and Grand Central Express.
Most lounges, including the LHR Centurion Lounge, have showers.
If your buddies can use all or most of what's offered inside, that alone can justify the $50 guest charge, particularly if you've got a long wait until your flight.
You might also opt to add your travel companion as an authorized user on your credit card. While many other credit cards allow you to add authorized users at no additional fee, that's hardly the case here. American Express will charge you an annual fee of $195 for each additional card you add to your account. Additional card holders must also be at least 13 years old. Terms apply.
The catch? Authorized users get a few of the card's benefits, but not all. You won’t get two sets of Uber credits, nor will you get two sets of Saks credits, among others. Enrollment required. Terms apply.
But authorized users of the American Express Platinum Card® do get a healthy chunk of the benefits, including:
- Lounge access.
- Ability to earn points per dollar spent on flights and prepaid hotels booked through the AmEx Travel Portal.
- Either a $120 statement credit every four years for Global Entry or an $85 credit every four and a half years for TSA PreCheck.
- Up to $300 in a calendar year as Equinox statement credits. Enrollment required.
- $300 SoulCycle at-home bike credit, on up to 15 bike purchases annually (worth up to $4,500 per person, per year assuming you actually bought 15 bikes).
Terms apply. Enrollment required.
If you'd otherwise pay the one-time guest fee four times a year, it might make sense to consider adding your travel partner as an authorized user. That alone justifies the extra fee (considering the lounge guest fee is $50), and your buddy gets the other aforementioned benefits.
🤓 Nerdy Tip
You should only add authorized users to your account who you know and trust. But there are a few reasons why this option doesn't make sense.
For starters, adding authorized users to your credit card is not a decision to be taken lightly. When you add an authorized user, you allow that person to make purchases on the account. Ultimately though, you are financially responsible for authorized users' charges. If you don’t pay their charges, you’ll likely be hit with a late fee, and that missed payment can be reported to credit bureaus, which can have a negative impact on your credit score. The potential reward of being Friend of the Year for hooking them up with lounge access might not be worth the potential damage to your relationship — and your credit scores.
Then there's the consideration that the other benefits just might not be that valuable. Other credit cards offer TSA PreCheck and Global Entry credits with a low (and sometimes no) annual fee. Authorized users won't get their own set of benefits like statement credits either (those will be shared between you).
And so with that, it might just make more sense for your friend to apply for their own card outright.
Have your friend hold their own American Express Platinum Card®
Because the Centurion Lounge guest policy is so strict, it might just make sense for your travel companion to hold their own card.
The question here though is: is it worth both you and your pal having your own cards, particularly if your travel companion lives with you? Do your diligence to understand whether the American Express Platinum Card® is worth the $895 annual fee for just one member of your household, let alone two.
American Express says that the American Express Platinum Card® offers more than $3,500 in statement credits alongside dozens of other perks. But that’s only if you maximize all of American Express Platinum Card® benefits, which might be difficult. In recent years, the American Express Platinum Card® has turned into a coupon book of sorts, with dozens of wide-ranging perks that might greatly serve some, while never serving others. Terms apply.
Many perks emphasize luxury, like a $600 hotel credit on prepaid Fine Hotels + Resorts® or The Hotel Collection (doled out in $300 increments every six months), the $100 Saks Fifth Avenue credit (awarded as $50 every six months), the $300 statement credit toward a SoulCycle at–home bike, and a $300 Equinox credit per calendar year. There's also a $300 Lululemon credit (to be used as $75 per quarter). Enrollment required. Terms apply.
Other perks have a potentially wider reach, like the Walmart+ credit, monthly Uber Cash deposits, a $25 monthly digital entertainment credit and cell phone protection, but they only provide value if you actually use them. If you already have an Amazon Prime account, you might not find much use for Walmart+, and the digital entertainment credit only covers a handful of services, including Disney+, Hulu and YouTube. It doesn’t include your Netflix subscription. Terms apply.
It’s unlikely that anyone would use every single benefit. Even if you did, the value varies on how frequently you exercise them. Someone visiting a Centurion Lounge twice a year — but uses the showers, eats a full meal and enjoys a couple of complimentary cocktails — might derive more value than someone who enters twice a month long enough to grab a banana before their flight.
With that in mind, use our calculator to understand the value that you get from the American Express Platinum Card® card:
Now that you have a better understanding of the value you would each derive from the American Express Platinum Card®, it’s time to consider whether your lounge buddy would be better off as an authorized user or whether they should go solo and apply for their own card.
The American Express Platinum Card® allows you to add authorized users to your account. But unlike many cards that let you add authorized users at no cost, AmEx charges you $195 per person for the privilege. Terms apply.
Here's a deeper dive into what that $195 gets you:
Equinox and SoulCycle: If you’re looking to get an Equinox membership, then becoming an authorized user alone can pay for itself. If you need a SoulCycle bike, then the math works out in your favor too. Terms apply.
Global Entry and PreCheck: If you don’t want an Equinox membership or SoulCycle bike, another way to justify adding authorized users is via the TSA PreCheck or Global Entry credit. Though, there are plenty of other ways to get complimentary TSA PreCheck or Global Entry, so that benefit might be moot. Terms apply.
Lounge access: If lounge access is all you care about, let’s break down the cost per visit when you add authorized users:
Let’s say you value a lounge visit at $30, which is roughly what a typical airport meal might otherwise cost you. Your guest would have to visit about seven times a year to break even on the authorized user cost ($195/30=6.5). Of course, AmEx values a lounge visit at $50, in which case you'd have to visit four times per year to justify it.
Use this calculator to help understand whether it’s worth adding an authorized user based on their usage of all the authorized user benefits (and their valuation of lounge access):
Is holding two separate cards worth the combined $1,790 in fees?
So you calculated the value that your card delivers to you personally. You calculated the value your travel BFF might get from becoming an authorized user. But there’s a third option, and that’s each of you holding your own cards. If you go this route, you'll end up paying two annual fees of $895 (or $1,790 combined).
Have your prospective authorized user(s) go through those initial calculations to understand the value they might receive from holding their own card.
Paying the $195 authorized user fee might seem like the logical solution, since it’s a lot easier than shelling out an additional $895 on top of your $895. But if you can maximize the card, then it might actually be worth paying two annual fees. Holding your own card entails far more benefits than simply being an authorized user.
Other cards that offer Centurion Lounge access
Besides the American Express Platinum Card® and The Business Platinum Card® from American Express, here are other cards that provide access to Centurion Lounges:
Delta SkyMiles® Reserve Business American Express Card
Annual fee
$650
$650
Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve Business American Express Card
Cardholders may bring up to two guests at a rate of $50 per person (or $30 for children aged 2 through 17), into Centurion Lounges in the U.S., Hong Kong and London. The guests must be traveling on a same-day Delta-marketed or Delta-operated flight.
Holders of the American Express Corporate Platinum Card® may bring up to two guests at no charge to Centurion Lounges in the U.S., Hong Kong and London. Those who hold The Centurion® Card from American Express and the American Express Business Centurion Card can bring up to two guests (for no additional fee) into any Centurion Lounge location.
SOME CARD INFO MAY BE OUTDATEDAll information about The Centurion® Card from American Express and the Business Centurion® Card from American Express has been collected independently by NerdWallet. The Centurion® Card from American Express and the Business Centurion® Card from American Express are not available through NerdWallet. |
The best way to bring guests into Centurion Lounges
If you’re someone who views Centurion Lounge access for not just you — but a travel buddy or two — as the top perk on the American Express Platinum Card®, you have a tough decision to make in terms of how to get your travel companion into the lounge with you.
For some, holding two cards just might be unreasonable. Especially if you live under the same roof, then two sets of digital entertainment credits or Walmart+ memberships might feel redundant (in which case the authorized user route can make more sense).
But if you can each use a good chunk of the benefits then paying for two annual fees might not be a bad idea.
And then there's one more option if one of you holds the card and the other doesn't: You visit the lounge and leave them behind at the gate. Hey, you can probably swipe a cookie on your way out to give to them as a consolation prize.
Insurance Benefit: Cell Phone Protection
- Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by New Hampshire Insurance Company, an AIG Company.
To view rates and fees of the American Express Platinum Card®, see this page.
To view rates and fees of The Business Platinum Card® from American Express, see this page.
To view rates and fees of the Delta SkyMiles® Reserve American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Reserve Business American Express Card, see this page.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2026:
- Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
- No annual fee: Wells Fargo Autograph® Card
- Flat-rate travel rewards: Capital One Venture Rewards Credit Card
- Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
- Luxury perks: American Express Platinum Card®
- Business travelers: Ink Business Preferred® Credit Card
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