In 2026, the primary credit card that grants full Admirals Club lounge access is the Citi® / AAdvantage® Executive World Elite Mastercard®. The card carries a premium annual fee (currently $595), but it provides a full Admirals Club membership for the primary cardholder, allowing them and up to two guests (or immediate family) to access lounges when flying on American Airlines or partner flights. A unique perk of this card is that authorized users (for a fee of $175 for up to 3 users) also receive their own Admirals Club access, even when traveling without the primary cardholder. While other cards like the AAdvantage Platinum Select or MileUp earn miles, they do not offer lounge access. For those who don't need a full membership, the Citi Strata Elite℠ Card (formerly the Prestige) occasionally offers a limited number of day passes as an annual benefit, but for unlimited, worldwide lounge entry, the Executive card remains the only dedicated option.