Count it fully
Flexible credits and simple statement credits get close to face value.
Credit card economics, not credit card hype.
Forget the points hype.
Show me the dollars.
See what a card really puts back in your pocket — in year one, every year after, and from lounge access you actually use.
$/ month
/ year
0 visits = $0 lounge value and no ranking boost.$
Use what you would really pay.No fantasy first-class values by default.
We never count headline credits at 100% by default.
Our rules: breaking even is not a win — and a $100 coupon is not $100 of value if it makes you buy something you did not want.
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Year 1 includes the signup bonus. The minimum spend to earn it is shown under every Year 1 number. Click a card for the complete dollar equation.
#
Card
Year 1 + signup requirement
Keep / yr
Credits counted
Your lounge score
Overall
Click any card to see the full Year 1 equation and credit breakdown. Welcome bonuses are only counted when your entered annual spending is at least as high as the stated minimum spend; issuer deadlines still apply.
Priority Pass is not one thing
Not all lounge access is equal.
We separately rate network quality, visit limits, guest rules and whether the access is actually useful to you.
How the score works
A credit is only worth what you would have spent anyway.
A $300 once-a-year travel credit can be close to $300. Twelve $10 coupons, a quarterly lululemon allowance, or a hotel credit that forces a second night are not. LoungeLife.me discounts each benefit for restriction, cadence, expiration and unnecessary-spend risk before it ever reaches the dollar return.
Discount it a little
Anniversary points and broadly useful benefits get a modest haircut.
Subtract the hassle
Monthly coupons, merchant restrictions, minimum stays and forced extra spending are deducted from the headline credit value.
Make it yours
Lounge value depends on your actual visits and what a visit is worth to you.
Prototype methodology. Welcome offers and benefits change frequently. Values are modeled estimates for comparison, not issuer promises or financial advice. Verify current issuer terms before applying.