Program Comparison
AX American ExpressvsVS Visa Signature
American Express and Visa Signaturecompared side by side — network size, coverage, spend conditions, guest policy, and cost. All figures from Loungely's verified program data.
| AXAmerican Express | VSVisa Signature | |
|---|---|---|
| Global network | 1,400+ | 500+ |
| Global coverage | ||
| Spend condition | None | Common |
| Guest policy | Included | Per card |
| Cost | Free with card (high annual fee) | Free with card |
| Best for | Premium travellers who want exclusive lounges and the broadest possible access network | Regular domestic travellers wanting lounge access without premium card fees |
Cards with American Express
See every card that includes American Express and its lounge network →
Cards with Visa Signature
See every card that includes Visa Signature and its lounge network →
American Express vs Visa Signature — frequently asked
Which has more lounges, American Express or Visa Signature?
American Express advertises 1,400+ lounges (Centurion Lounges); Visa Signature advertises 500+. Raw network size isn't the whole story — check the per-country coverage and guest policy below, since a larger global figure doesn't always mean better coverage in the airports you actually fly through.
Do American Express or Visa Signature require a minimum spend for lounge access?
Spend conditions — American Express: None. Visa Signature: Common. A "Common" or "Sometimes" rating means the card carrying the program often requires you to hit a quarterly spend target before lounge visits unlock for that quarter, even after the annual fee is paid.
Can I bring guests with American Express vs Visa Signature?
Guest policy — American Express: Included. Visa Signature: Per card. "Included" means guests enter free, "Paid add-on" means a per-visit guest fee, and "Per card" means it depends on the specific card carrying the program.
Is American Express or Visa Signature better value?
American Express — cost: Free with card (high annual fee); best for premium travellers who want exclusive lounges and the broadest possible access network. Visa Signature — cost: Free with card; best for regular domestic travellers wanting lounge access without premium card fees. The right pick depends on how often you fly and which region you're based in — the per-program pages linked below break down the cheapest card carrying each in your country.