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Vendor-neutral by design — we never take issuer money for placement. Every fact carries a source and a freshness date. Perks and lounge access often carry conditions (enrollment, minimum spend, flight or status requirements); always confirm current terms with the issuer.

Data last verified Jun 18, 2026 · see what's current

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PenFed Pathfinder vs Sapphire Reserve
Lounges
Sapphire
JFK

Chase Sapphire Lounge by The Club

Sapphire · JFK

Terminal: Terminal 4, next to the Centurion Lounge Verified by source
Hours: 5:00 AM – 11:00 PM Verified by source

Your access

PenFed Pathfinder
Not included with PenFed Pathfinder. See a card that gets you in
Sapphire Reserve
Cardholder + up to 2 guests Verified by source