When you’re waiting for your flight at the airport after you’ve cleared security, there are two ways to kill time.

Airport lounges boast cushier seating, nicer food and drinks, and a more relaxed feel than the terminal, where stressed-out passengers crowd into plastic seats.

Capital One's newest and most premium travel card. Venture X competes well with high-end cards for a reduced annual charge. $395 per year isn't cheap, but if you use the card's perks, it pays for itself.

Its rewards programme provides 75,000 bonus miles after spending $4,000 in three months, a $300 annual travel credit, and 10,000 bonus miles on your account's anniversary.

American Express Platinum has a high annual fee of $695, but cardholders get a whole lot of bang for all those big bucks.

Chase's Sapphire Reserve card costs $550 annually for travel perks. Spend $4,000 in the first three months to earn 60,000 bonus points worth $900 in travel with Chase Ultimate Rewards and a $300 annual travel credit.

Alaska, American, Hawaiian, Virgin, and United all have exclusive lounges, but Delta has more than 50.

After spending $5,000 in three months, you'll get 125,000 bonus miles and 10,000 Medallion qualification miles. Delta purchases earn 3X miles, everything else earns 1X.