JFK has over 30 airport lounges spread across 6 terminals, and access rules vary by terminal, card, and airline. The single most important thing to know: JFK has no airside connections between terminals. You can only visit lounges in the terminal you are departing from, unless you are willing to exit security and re-clear at another terminal. Plan your lounge visit around your departure gate, not the other way around.
Here is every lounge at JFK, organized by terminal, with the credit cards that get you in and what to expect.
JFK Terminal Layout
JFK operates 6 active terminals: 1, 4, 5, 7, and 8, plus a new Terminal 6 opening in late 2026. There is no Terminal 2, 3, or 6 (yet). The AirTrain connects all terminals but runs outside security.
Terminal 4 is the hub for premium credit card lounges. All three major card-linked lounges (Capital One, Chase Sapphire, and Centurion) are in Terminal 4, alongside the Delta Sky Club and Delta One Lounge. If you fly Delta, JetBlue (T5), or American (T8), your terminal determines your lounge options.
Terminal 4: The Premium Lounge Terminal
Terminal 4 has the highest concentration of credit card lounges at any US airport. Three premium card lounges operate within walking distance of each other.
Capital One Lounge
The Capital One Lounge at JFK is the flagship location in the network. At 13,500 square feet, it is the largest Capital One Lounge and the only one open 24 hours. The space includes private booths (reservable), a full-service restaurant, a cocktail bar, shower suites, and a wellness area. The food quality rivals the Centurion Lounge.
Access requires a Capital One Venture X card. Authorized users on the account also receive access. Non-cardholders can purchase a day pass for $90. A 3-hour pre-departure window applies.
Chase Sapphire Lounge
Located on the mezzanine level of Terminal 4 above Gate A2, the Chase Sapphire Lounge sits next to the Centurion Lounge. Chase Sapphire Reserve cardholders with an activated Priority Pass membership get access with up to 2 complimentary guests. J.P. Morgan Reserve and Ritz-Carlton cardholders also qualify.
The lounge features Joe Coffee roasts, complimentary food and beverages, workspaces, and high-speed Wi-Fi. It is smaller than the Capital One Lounge but well-designed and rarely overcrowded.
Centurion Lounge
The JFK Centurion Lounge in Terminal 4 offers the signature Amex experience: chef-curated dining, a full cocktail bar, Equinox Body Lab wellness treatments, and shower suites. The space runs about 15,000 square feet.
Access requires an Amex Platinum, Business Platinum, or Centurion card with a same-day boarding pass. Guests cost $50 per adult and $30 per child (ages 2 to 17). Free guest access for up to 2 guests requires $75,000 in eligible spend in the current or prior calendar year. Hours are 6 AM to 9 PM daily, with a 3-hour pre-departure limit.
Delta Sky Club and Delta One Lounge
Terminal 4 is Delta's hub at JFK. The Delta Sky Club is accessible through Delta Sky Club membership, the Delta SkyMiles Reserve (15 visits per program year, unlimited with $75,000 spend), or the Amex Platinum (10 visits per year on Delta flights, unlimited with $75,000 spend). A same-day Delta boarding pass is required. Basic Economy is excluded.
The Delta One Lounge is a separate premium space for Delta One passengers and select SkyTeam Business Class travelers. No credit card grants access on its own.
Other Terminal 4 Lounges
| Lounge | Access | Notes |
|---|---|---|
| Emirates Lounge | Emirates First/Business, Skywards Gold+ | Split hours tied to flight schedule, day pass $155 |
| Virgin Atlantic Clubhouse | Upper Class, Delta One (international), Priority Pass | Full dining, cocktail bar |
| Air India Maharajah Lounge | Air India First/Business, Priority Pass | |
| HelloSky Lounge | Priority Pass | Basic amenities |
| Minute Suites | Priority Pass (1 hour free), day pass available | Private rest pods, no food service |
Terminal 1: Priority Pass Hub
Terminal 1 has more Priority Pass lounges than any other terminal at JFK. If you hold a card with Priority Pass, including the Chase Sapphire Reserve, Capital One Venture X, or Amex Platinum, Terminal 1 gives you real options.
| Lounge | Access | Standout Feature |
|---|---|---|
| Air France Lounge | Air France/KLM/SkyTeam Business+, Priority Pass | Full-service bar, hot food |
| Turkish Airlines Lounge | Turkish/Star Alliance Business+, Priority Pass | Above-average food quality |
| Lufthansa Business Lounge | Lufthansa Business, Star Alliance, Priority Pass | Reliable workspace |
| Lufthansa Senator Lounge | Lufthansa First, Star Alliance Gold, Priority Pass | Quieter premium option |
| KAL Lounge | Korean Air First/Business, Priority Pass (9:30 PM to midnight only) | Very limited PP hours |
| Primeclass Lounge | Priority Pass | Basic but consistent |
| VIPOne Lounge | Priority Pass (international passengers only) |
The Air France and Turkish Airlines lounges are the strongest Priority Pass options in Terminal 1. Both serve hot food and have full bars. The Lufthansa Senator Lounge is quieter but access is more restricted.
Terminal 5: JetBlue
Terminal 5 has one lounge: the JetBlue BlueHouse. At 9,000 square feet across two floors, it includes a game room and outdoor terrace. Access is complimentary for transatlantic Mint passengers and Mosaic 4 members (plus 1 guest). Day passes run $59 to $79.
No Priority Pass lounges in Terminal 5. If you are flying JetBlue with only a Priority Pass card, you have no lounge access unless you exit and re-clear at another terminal.
Terminal 7
Terminal 7 currently houses the Aer Lingus Lounge (Aer Lingus Business, AerClub elite) and the Horizons T7 Lounge operated by ANA (ANA premium cabins, Star Alliance Gold on ANA flights only). Both are relocating to the new Terminal 6 when it opens in late 2026.
No Priority Pass access in Terminal 7.
Terminal 8: American Airlines
Terminal 8 is American Airlines' hub. The primary lounge is the Admirals Club in Concourse C, accessible through the Citi AAdvantage Executive Mastercard, AA/oneworld Business Class, or a $79 day pass.
The premium lounges in Terminal 8 are ticket-based only. The Greenwich Lounge (formerly the Flagship Lounge) serves AA and British Airways First and Business passengers. The Chelsea Lounge covers Flagship Business Plus. The Soho Lounge is the highest tier, restricted to AA/BA/oneworld First Class and oneworld Emerald status.
No Priority Pass access in Terminal 8.
Credit Card Lounge Access Summary
| Card | JFK Lounges |
|---|---|
| Capital One Venture X | Capital One Lounge (T4), Priority Pass (T1, T4) |
| Chase Sapphire Reserve | Chase Sapphire Lounge (T4), Priority Pass (T1, T4) |
| Amex Platinum | Centurion Lounge (T4), Delta Sky Club (T4, Delta flights), Priority Pass (T1, T4) |
| Delta SkyMiles Reserve | Delta Sky Club (T4), Centurion (T4, Delta flights) |
| Citi AAdvantage Executive | Admirals Club (T8) |
| Hilton Honors Aspire | Priority Pass (T1, T4) |
For a full breakdown of how these premium cards compare on earning rates, benefits, and annual fee math, see our Amex Platinum vs Chase Sapphire Reserve comparison and Amex Platinum vs Capital One Venture X comparison.
Bottom Line
JFK is the only US airport where all three premium credit card lounges (Capital One, Chase Sapphire, Centurion) operate in the same terminal. If you fly out of Terminal 4, the Capital One Venture X offers the best lounge access at the lowest effective cost, with a 24-hour flagship lounge and Priority Pass coverage. The terminal you depart from determines everything. If you fly JetBlue (T5) or American (T8), your premium card lounges in T4 are unreachable without exiting security. The Card Advisor can show which premium card delivers the most total value based on your actual spending, and the Credit Tracker helps you use every statement credit before it resets.