Bundled subscriptions and club memberships. We track 121 of them from 19 banks, 16 of which are lifetime free, and 99 come with airport lounge access. Compare the joining fee, annual fee, reward rate and forex markup for each below.

What matters most to you?

0 of 121 cards match what you picked

Nothing matches all of those at once

Try removing one. Annual fee and lounge access narrow things down the most.

Start again