United’s frustrating lounge policy that's much more punitive than American Airlines
Both United and American Airlines offer two different types of airport lounges with vastly different amenities and experiences.
There are standard run-of-the-mill membership lounges — dubbed the United Club and Admirals Club, respectively — and then there are exclusive spaces, respectively called the Polaris Lounge and Flagship Lounge, which are reserved for business-class passengers.

In recent years, the two carriers have invested significantly in building out their poshest lounges. American now operates five Flagship Lounges (across its biggest international gateway hubs), while United has six Polaris Lounges (one in every domestic hub, except for Denver).
These business-class-only lounges offer an upgraded experience compared to the standard membership clubs. This includes more luxurious seating arrangements, including nap pods and a plethora of phone booths, an elevated buffet with better catering, top-shelf liquor, shower suites and more.
It's no surprise then that the airlines limit access to these lounges to their most lucrative flyers. This helps avoid overcrowding in the lounges, while also reserving this experience to those paying the big bucks to sit in the pointy end of the plane on international flights.

While both airlines allow business-class flyers to use the lounge before long-haul flights, American is more welcoming than United when it comes to a carve-out for certain domestic flights — those seated in American's Flagship business or first class on premium transcontinental routes receive access to the Flagship Lounge. (American also admits its top-tier elites before long-haul flights, regardless of the cabin flown.)
Meanwhile, those flying in the United Polaris lie-flat pods on the same routes are relegated to the standard United Club.
In fact, I recently flew from Newark to San Francisco on one of United's premium transcontinental coast-to-coast services. I booked a business-class ticket, and despite enjoying the Polaris "hard product" on board the plane, I was locked out from using the Polaris Lounge before my flight.
Instead, I spent a good chunk of a 3-hour departure delay sitting in the much less premium United Club at Newark. The airline currently operates just one "standard" membership club at Newark Terminal C, and it's dark, outdated and notoriously overcrowded.

(United is building an upgraded club in the C3 concourse. Until then, the airline also operates a temporary pop-up club near Gate C93, but that's only used during peak departure windows.)
During the departure delay, I kept thinking to myself that had I been flying American, I would've had access to the Flagship Lounge, where I could relax and enjoy the upgraded amenities included with my business-class ticket.
Of course, I understand United's perspective for keeping the Polaris Lounge limited to its long-haul international passengers. The airline can limit overcrowding and reserve the space for travelers driving the most revenue.

But, premium transcontinental routes have historically been some of the most profitable in the domestic network. Business and deep-pocketed leisure travelers splurge for the lie-flat pods, which can go for more than $1,000 in each direction. Plus, many corporations award their travel contracts to airlines based on the coast-to-coast product offering and the number of frequencies.
In United's case, the airline recently restarted serving the JFK airport with flights from San Francisco and Los Angeles, after a more than 5-year hiatus.
Pulling out of JFK in 2015 has since been deemed a "strategic mistake" by United executives, who say that the airline lost corporate contracts and other big spenders due to the move.

It's apparent that these transcon routes are some of the highest-profile flights in United's domestic system, yet the airline is letting its business-class flyers down by denying them entry to the Polaris Lounge before travel.
If the airline wanted to upgrade the pre-departure experience, it could consider letting these passengers into the fancy lounges. And, if United is worried about "cheapening" or overcrowding the experience, it could even limit access to those paying for business fares, and exclude those redeeming miles or upgrades from using the Polaris Lounge.
This is a move that's been recently popularized by United's Star Alliance partner north of the border. Air Canada's top lounge, the Signature Suite, is only accessible to those paying for business-class fares — others can use the standard Maple Leaf Lounge before departure.

Another alternative is to restrict transcon business-class passengers from using the Polaris Lounge bistro area. Each Polaris lounge has a restaurant-style dining room (in addition to an extensive buffet) with waiter service and cooked-to-order menu items.
United could differentiate the transcon and long-haul premium travel experience by only allowing those traveling internationally to use the dining room — which would still represent a big improvement compared to the status quo for coast-to-coast travel.
It'll ultimately be interesting to see if United ever adjusts its Polaris Lounge access policy to include premium transcontinental routes. Until then, American Airlines will continue to take the cake when it comes to offering the best domestic ground experience that your money (or miles) can get you.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.

