Most of these credit cards offset annual fee in one way or another via travel or other credits, so don’t jump out of your seat when you see $450 annual fee. OK, jump out then you see $995, that’s the only non-invitation card included in this list which has such an eye-popping annual fee.
| Credit Card | Lounge | Annual Fee |
| Amex: Platinum Card Amex: Business Platinum Card | Amex Centurion Priority Pass Select Delta SkyClub (w/DL ticket) Escape Air Space Plaza Premium | $450 |
| Amex: Delta Reserve | Delta SkyClub | $450 |
| Amex: Hilton Honors Ascend | Priority Pass Select (10/yr) | $95 |
| Amex: Hilton Honors Aspire | Priority Pass Select | $450 |
| Citi: AAdvantage Executive | Admirals Club | $450 |
| Citi: Prestige | Priority Pass Select | $495 |
| Chase: Sapphire Reserve | Priority Pass Select | $450 |
| Chase: United MileagePlus Club Chase: United Club (business) | United Club | $450 |
| Chase: United Explorer Chase: United Explorer (business) | United Club (2/yr) | $95 |
| Barclays: Black Card | Priority Pass Select | $495 |
| Barclays: Gold Card | Priority Pass Select | $995 |
| City National: Crystal Visa | Priority Pass Select | $400 |
| US Bank: Altitude Reserve | Priority Pass Select | $400 |
