Last updated: August 2026
Disclaimer: CardRankr is a credit card comparison website, not a bank, financial institution, or licensed financial advisor. This article is for general informational purposes only and does not constitute financial, legal, or tax advice. Credit card terms, lounge access policies, guest fees, and annual fees are set by the card issuers and may change at any time without notice. Lounge access policies in particular changed significantly in 2025 and 2026 — always confirm current lounge eligibility and guest policies on the issuer’s official website before relying on any access benefit. Consider your own financial situation carefully before making any credit decision.
Airport lounge access has become one of the most sought-after credit card benefits in the U.S. — and also one of the most rapidly changing. In 2026, the lounge landscape is more fragmented than ever. Priority Pass, once the universal backstage pass to airport lounges, has been quietly devalued as major issuers build proprietary networks. Chase Sapphire Lounge by The Club left the Priority Pass and LoungeKey networks entirely on August 15, 2026, meaning Sapphire Reserve cardholders now access Sapphire Lounges directly through their card — not through Priority Pass. American Express Centurion Lounges continue to charge $30 per guest (waived at $75,000+ in annual spend). Capital One Lounges have expanded to six U.S. locations and offer two free guests per visit — one of the most family-friendly lounge policies in the market.
The right lounge card depends on three variables that no single best-of list can answer for you: which airports you fly through most frequently, whether you travel alone or with guests, and what annual fee you are willing to pay. A cardholder who connects through JFK and LAX several times per year gets far more value from Amex Centurion access than a cardholder who flies out of secondary airports where Priority Pass is the only premium lounge network. This guide addresses those variables directly.
All lounge counts, guest policies, and card fees in this article were verified against issuer websites and leading financial media as of August 2026. Lounge policies change frequently — treat any specific number as a starting point and confirm current terms before your next trip.
Best Credit Cards for Airport Lounge Access 2026 — At a Glance
| Card | Best For | Annual Fee | Lounge Networks | Guest Policy |
|---|---|---|---|---|
| Amex Platinum | Best for widest global lounge network | $895 | Centurion + Priority Pass + Delta SC + Plaza Premium + Escape | $30/guest at Centurion (waived at $75K spend) |
| Chase Sapphire Reserve | Best guest policy + Sapphire Lounge quality | $795 | Sapphire Lounges (direct) + Priority Pass Select | 2 free guests at Sapphire Lounges |
| Capital One Venture X | Best value — lounge access at lowest premium fee | $395 | Capital One Lounges + Priority Pass Select | 2 free guests at all lounges |
| Delta SkyMiles Reserve Amex | Best for Delta loyalists — unlimited Sky Club | $650 | Delta Sky Club (unlimited) + Centurion (limited) + Priority Pass | 2 guests at $50/each or unlimited at $30K spend |
| United Club Infinite Card | Best for United loyalists — United Club membership | $525 | United Club (membership included) + Star Alliance lounges | Immediate family or 2 guests free |
| U.S. Bank Altitude Reserve | Best mid-tier access — Priority Pass at lower fee | $400 | Priority Pass Select (12 free visits/year) | Guests at standard Priority Pass guest rate |
How We Ranked These Cards
CardRankr’s editorial team evaluated each card using five criteria specific to lounge access. No card issuer paid for placement or influenced our rankings.
- Lounge network breadth and quality: The number of lounge locations accessible through the card, the geographic coverage across U.S. airports and international hubs, and the quality of the lounge experience — food, beverages, showers, quiet spaces, and design — relative to a standard Priority Pass lounge.
- Guest policy: Whether the card includes free guest access and how many guests — a critical factor for cardholders who travel with family, a spouse, or business colleagues. Per-guest fees that apply at premium lounges are noted explicitly.
- Annual fee versus effective lounge value: We estimate the lounge access value per trip and compare it against the annual fee, accounting for the card’s other travel credits that offset the fee.
- Proprietary lounge access: Cards that provide access to their issuer’s own branded lounge network (Centurion, Sapphire, Capital One) deliver a meaningfully different experience from pure Priority Pass access — we evaluate both the quality and location coverage of proprietary networks separately.
- 2026 policy changes: Lounge access policies changed significantly in 2025 and 2026. We specifically flag the August 15, 2026 Sapphire Lounge / Priority Pass split and any guest policy updates that affect the comparison this year.
The 6 Best Cards for Airport Lounge Access: Full Reviews
1. The Platinum Card from American Express — Best for Widest Global Lounge Network
| Annual fee | $895 |
| Welcome offer (Aug 2026) | Up to 175,000 MR pts after $12,000 spend in 6 months |
| Lounge access | Centurion Lounges (40+ globally) · Up to 10 Delta Sky Club visits/yr (flying Delta) · Priority Pass Select (1,300+ lounges) · Plaza Premium · Escape Lounges · Centurion Studio Partners |
The Amex Platinum card provides the largest lounge network of any single credit card in the U.S. market — over 1,550 locations globally across multiple networks. The flagship benefit is Centurion Lounge access: over 40 locations worldwide, including JFK Terminal 4, LAX, SFO, MIA, DFW, SEA, DEN, ATL, PHX, IAH, LAS, London Heathrow (T3), and Hong Kong. Centurion Lounges are widely regarded as the highest-quality issuer-operated lounges in the U.S. — featuring chef-driven menus, open premium bars, spa services at select locations, and shower suites at all locations. For travelers who fly through Centurion Lounge airports regularly, the quality premium over a standard Priority Pass lounge is substantial.
Beyond Centurion, the Platinum provides Priority Pass Select (1,300+ lounges globally), Plaza Premium Lounges at major international hubs (particularly strong in Asia and Middle East airports not covered by Centurion), up to 10 Delta Sky Club visits per year when flying on an eligible Delta ticket, and access to Escape Lounges and Centurion Studio Partners at smaller U.S. airports. The combined breadth is unmatched by any other card.
The critical guest caveat: Centurion Lounge guests are charged $30 per visit per guest (waived for cardholders who spend $75,000 on the card in a calendar year). For cardholders who regularly bring a spouse or companion to the lounge, the per-guest fee adds $60–$90 per trip — a meaningful cost compared to the Chase Sapphire Reserve and Capital One Venture X, which offer free guest access at their proprietary lounges. For a full annual fee analysis of the Platinum’s total credit portfolio, see our review Is the Amex Platinum Worth $895? (2026 Honest Review).
Who it’s for: Frequent fliers who regularly pass through airports with Centurion Lounges, travel solo or with one companion (and can justify the $30 guest fee), and want the broadest possible lounge coverage including Priority Pass for international travel. The best card for maximizing lounge quality at major U.S. hub airports.
Watch-outs: The $30/guest Centurion fee makes this card expensive for families or travelers who always bring companions. Centurion Lounges have historically suffered overcrowding at peak times at high-traffic airports (JFK, LAX, SFO) — access is not always comfortable even when technically available. The $895 annual fee is the highest of any card on this list. Amex acceptance is less universal internationally than Visa or Mastercard — carry a backup card abroad.
2. Chase Sapphire Reserve — Best Guest Policy and Sapphire Lounge Quality
| Annual fee | $795 |
| Welcome offer (Aug 2026) | 100,000 UR pts after $6,000 spend in 3 months |
| Lounge access | Chase Sapphire Lounges by The Club (8 U.S. locations — direct card access) · Priority Pass Select (1,300+ lounges globally) |
The Chase Sapphire Reserve’s lounge story changed significantly on August 15, 2026: Chase Sapphire Lounge by The Club left the Priority Pass and LoungeKey networks entirely. Reserve cardholders now access Sapphire Lounges directly through their card — not through Priority Pass — and the guest policy at Sapphire Lounges is two free guests per visit, the most generous guest policy of any premium card on this list. This change actually strengthens the Reserve’s value proposition for cardholders who travel with companions, since guest access at Sapphire Lounges is now a Reserve-exclusive benefit rather than a shared Priority Pass perk.
Chase Sapphire Lounges are currently open at BOS, HKG, JFK, LAS, LGA, PHX, and SFO, with DFW and additional locations in expansion. The lounges are consistently rated among the best in their respective airports — featuring chef-driven menus, cocktail programs, and modern design that rivals or exceeds Centurion quality at locations where both exist. For travelers who fly primarily through airports with Sapphire Lounges, the Reserve’s lounge experience is premium-tier at a $100/year lower fee than the Amex Platinum.
Priority Pass Select membership (included with the Reserve) provides access to 1,300+ lounges globally for all other airports. The Reserve also earns 3x on dining worldwide and 4x on direct flights — making it a stronger rewards earner on everyday travel spending than the Amex Platinum’s 1x on dining. The $300 auto-applying travel credit reduces the effective annual fee to $495. For a full comparison of the Reserve versus the Amex Platinum on all lounge dimensions, see our article Amex Platinum vs. Chase Sapphire Reserve (2026): Which Premium Card Wins?
Who it’s for: Travelers who fly frequently through airports with Chase Sapphire Lounges, travel with a spouse or companion (two free guests makes this the most family-friendly premium lounge card), and want strong dining rewards alongside lounge access on a single card. The best lounge card for couples and families at Sapphire Lounge airports.
Watch-outs: Sapphire Lounge coverage is limited to 8 U.S. locations as of August 2026 — travelers who don’t fly through those airports rely on Priority Pass, which is available on many other cards. The $795 annual fee is high. Hyatt-focused travelers will value the Reserve for transfer partners; non-Hyatt travelers may find the fee harder to justify purely for lounge access.
3. Capital One Venture X Rewards Credit Card — Best Value for Airport Lounge Access
| Annual fee | $395 |
| Welcome offer (Aug 2026) | 75,000 miles after $4,000 spend in 3 months |
| Lounge access | Capital One Lounges (6 U.S. locations + Landing locations) · Priority Pass Select (1,300+ lounges globally) · Two free guests at all lounge types |
The Capital One Venture X is the best-value airport lounge card in the market for 2026. At $395 per year — $400 less than the Amex Platinum, $400 less than the Chase Sapphire Reserve — it includes Priority Pass Select access (1,300+ lounges globally), access to Capital One’s own lounge network (currently six U.S. locations: DFW, IAD, DEN, LAS, MCO, and IAH), and two free guests at all lounge types. The $300 annual Capital One Travel credit and 10,000 anniversary bonus miles (worth ~$100) together offset $400 of the annual fee — making the effective net cost approximately $0 for cardholders who use both benefits.
Capital One Lounges have been rated the best lounge network by NerdWallet in 2026, ranking above even Amex Centurion on their composite scoring of food quality, design, and accessibility. The flagship DFW location is particularly highly regarded. Two free guests per visit — at both Capital One Lounges and Priority Pass locations — makes the Venture X the strongest card for family travelers among the three major issuer-branded lounge networks. The card earns 2x miles on all purchases (unlimited), 10x on hotels and rental cars through Capital One Travel, and 5x on flights through Capital One Travel. Miles transfer to 15+ airline and hotel partners. For a full head-to-head comparison of the Venture X versus the Chase Sapphire Reserve on all dimensions, see our article Capital One Venture X vs. Chase Sapphire Reserve (2026): Which Wins?
Who it’s for: Travelers who want premium lounge access — Priority Pass plus a growing proprietary lounge network — at a meaningfully lower annual fee than the Amex Platinum or Chase Sapphire Reserve. The best first premium lounge card for cardholders who don’t yet fly frequently enough to justify $795–$895 per year. Also the strongest option for travelers who frequently pass through DFW or IAD where Capital One’s flagship lounges operate.
Watch-outs: Capital One Lounge locations are limited to six U.S. airports as of August 2026 — significantly fewer than both Centurion and Sapphire networks. The $300 travel credit requires booking through Capital One Travel (not a universal travel credit like the Reserve’s auto-applying $300). The 2x flat earn rate trails the Reserve’s 3x on dining and 4x on direct travel for heavy restaurant and travel spenders. For the Venture X’s full value review, see our article Is the Capital One Venture X Worth It? (2026 Honest Review).
4. Delta SkyMiles Reserve American Express Card — Best for Delta Loyalists
| Annual fee | $650 |
| Welcome offer (Aug 2026) | Offers vary — typically 60,000–100,000 miles after qualifying spend |
| Lounge access | Delta Sky Club (unlimited when flying Delta) · Centurion Lounges (limited visits when flying Delta) · Priority Pass Select (when flying Delta on eligible tickets) |
The Delta SkyMiles Reserve is the best lounge card for dedicated Delta fliers. It provides unlimited Delta Sky Club access when flying on a same-day Delta or Delta Connection flight — the only card that includes unlimited Sky Club access without a Sky Club membership purchase. Delta Sky Clubs are available at over 50 U.S. and international airports on the Delta network, making this the most geographically complete domestic lounge solution for Delta loyalists. The card also includes a set number of Centurion Lounge visits per year when flying Delta, and Priority Pass access on eligible Delta ticket days.
The Delta Reserve also confers Delta status benefits, companion certificate, and priority boarding that compound the value for frequent Delta fliers who want their credit card to reinforce their airline relationship. For a cardholder who takes 20+ Delta flights per year and has a Sky Club-accessible home airport, the unlimited access at $650/year represents exceptional lounge economics — a standalone Sky Club membership runs $545/year and provides no card rewards.
Who it’s for: Frequent Delta fliers (10+ flights per year) who want unlimited Sky Club access integrated with their Delta loyalty relationship. The lounge access is only available when flying Delta — on other airlines, you are in the general terminal.
Watch-outs: Lounge access is tied to same-day Delta flying — this card provides no lounge benefit on non-Delta flights, making it a poor choice as a standalone lounge card for multi-airline travelers. Guest policy: 2 guests at $50/each, or unlimited guests at $30,000 in annual card spending.
5. United Club Infinite Card — Best for United Loyalists
| Annual fee | $525 |
| Welcome offer (Aug 2026) | Offers vary — typically 80,000–100,000 miles after qualifying spend |
| Lounge access | United Club membership (100+ U.S. and international locations) · Star Alliance partner lounges when flying United internationally · Two guests or immediate family free |
The United Club Infinite Card includes a full United Club membership — providing access to 100+ United Club locations across the U.S. and internationally, plus Star Alliance partner lounges globally when flying on a United international itinerary. United Club membership purchased separately costs $650/year; the card bundles it at $525 annual fee with rewards, travel protections, and two free guests (or immediate family) per visit. For United loyalists who fly through United hub airports (ORD, IAH, EWR, SFO, LAX, DEN) regularly, this is the most economically rational lounge card given the savings on a standalone membership.
The cardholder-plus-family-or-two-guests policy is one of the more generous in the airline lounge card segment. The card also earns 4x miles on United purchases, 2x on dining and all other travel, and includes primary rental car coverage, trip delay reimbursement, and 25% inflight discount. For United Global Services, Premier 1K, or Premier Platinum members who already fly United predominantly, the Club Infinite turns the lounge benefit from a purchase into a card feature.
Who it’s for: United frequent fliers (10+ United flights per year) based in or connecting through United hub airports who want the full United Club experience as part of their card benefits. Best for MileagePlus loyalists who want lounge access consolidated with their United relationship.
Watch-outs: United Club access is only available on same-day United or Star Alliance itineraries at most locations — no lounge access on non-alliance flights. The $525 annual fee is not offset by credits as clearly as the Venture X or Reserve. For multi-airline travelers, the Venture X or Reserve’s Priority Pass access covers more situations.
6. U.S. Bank Altitude Reserve Visa Infinite Card — Best Mid-Tier Priority Pass Access
| Annual fee | $400 |
| Welcome offer (Aug 2026) | 50,000 pts after $4,500 spend in 90 days |
| Lounge access | Priority Pass Select — 12 complimentary visits per year (cardholder + guests combined); then $27/visit |
The U.S. Bank Altitude Reserve is the strongest mid-tier option for cardholders who want Priority Pass access without committing to a $395–$895 premium card. Its 12 complimentary Priority Pass visits per year (cardholder and guests combined) cover most occasional-lounge-user needs: a traveler taking 6 round trips per year and using the lounge on each departure gets exactly 12 visits — one per qualifying airport departure. The $400 annual fee is offset by a $325/year credit on mobile wallet purchases, making the effective fee approximately $75 for active cardholders — the lowest effective cost of any Priority Pass card on this list.
The card earns 3x points on travel and mobile wallet purchases (Apple Pay, Google Pay, Samsung Pay) — broad categories that effectively turn most everyday purchases into 3x when tapped via phone. Points redeem at 1.5¢ each for travel, giving the card an effective 4.5% return on mobile wallet spending. For a cardholder who primarily wants occasional lounge access without a massive annual fee commitment, the Altitude Reserve delivers strong value in a mid-tier package.
Who it’s for: Occasional travelers (4–8 flights per year) who want the lounge option without paying $395–$895 for a premium card. Also strong for U.S. Bank existing customers who can leverage the relationship for better approval odds. The 12-visit cap means this is not appropriate for frequent travelers who want unlimited access.
Watch-outs: The 12-visit cap (combined cardholder + guests) limits usefulness for frequent travelers or those who bring companions. After 12 visits, the fee is $27 per person per visit — which can exceed the per-visit cost of a day pass purchased directly at many lounges. No proprietary lounge network — access is Priority Pass only. U.S. Bank requires an existing banking relationship for the strongest approval odds.
Full Comparison Table
| Card | Annual Fee | Proprietary Lounge | Priority Pass | Guest Policy | Airlines Included | Effective Fee After Credits |
|---|---|---|---|---|---|---|
| Amex Platinum | $895 | Centurion (40+ global) | Yes (Select) | $30/guest at Centurion | Delta SC (10 visits/yr) | Varies (~$0–$400 active users) |
| Chase Sapphire Reserve | $795 | Sapphire Lounge (8 U.S.) | Yes (Select) | 2 guests FREE at Sapphire | None | ~$495 (after $300 travel credit) |
| Capital One Venture X | $395 | C1 Lounges (6 U.S.) | Yes (Select) | 2 guests FREE at all lounges | None | ~$0 (after $300 credit + 10K miles) |
| Delta Reserve Amex | $650 | Delta Sky Club (unlimited) | Limited (Delta days) | 2 guests $50/each (free at $30K spend) | Delta Sky Club (unlimited on Delta) | Varies |
| United Club Infinite | $525 | United Club (100+ locations) | No | Family or 2 guests FREE | Star Alliance (on United intl.) | $525 (limited credit offsets) |
| U.S. Bank Altitude Reserve | $400 | None | Yes (12 visits/yr) | Standard PP guest rate | None | ~$75 (after $325 mobile wallet credit) |
How to Choose the Right Lounge Card for You
First: identify which airports you actually fly through
This is the single most important factor. If your home airport and primary connection airports have Centurion Lounges, the Amex Platinum is justified. If they have Chase Sapphire Lounges, the Reserve is the logical choice. If they have Capital One Lounges, the Venture X delivers the same quality experience at a $400 lower annual fee. If none of the proprietary lounge networks cover your airports, all three cards fall back to Priority Pass — and at that point, the $395 Venture X is the most cost-effective Priority Pass card of the three. Look up the exact airports you use most and match the proprietary network to your actual travel pattern before paying for a premium card.
Calculate the guest cost before choosing between Amex and Chase
If you always travel with a partner or family member, the guest policy difference is significant. The Chase Sapphire Reserve provides two free guests at Sapphire Lounges; the Capital One Venture X provides two free guests at all lounge types. The Amex Platinum charges $30 per guest at Centurion — $60 per trip for one companion. On 12 Centurion Lounge visits per year with one guest, that’s $720 in guest fees on top of the $895 annual fee. Against the Reserve’s $795 total with free guests, the Platinum is $820 more expensive on that usage pattern. Run the guest math before choosing.
Assess whether you fly Delta or United exclusively
For fliers who are loyal to a single airline, the co-branded airline lounge cards (Delta Reserve, United Club Infinite) can deliver more lounge access per dollar than any issuer-branded card. The Delta Reserve’s unlimited Sky Club access is only available on Delta flying days — but for a cardholder who flies Delta 25 times per year through Sky Club airports, $650 for unlimited access and a Delta card relationship is exceptional value. The United Club Infinite bundles a $650 standalone membership into a $525 card. For multi-airline travelers, the issuer-branded cards (Amex, Chase, Capital One) provide more universal access.
For occasional travelers, consider the Venture X or Altitude Reserve
If you take 4–8 flights per year, paying $795–$895 for a premium lounge card may not generate enough lounge visits to justify the fee even after other credits. The Capital One Venture X at $395 (effective ~$0 after credits) includes Priority Pass and Capital One Lounge access — a strong value at half the fee of the Reserve or Platinum. The U.S. Bank Altitude Reserve at $400 (effective ~$75 after credits) provides 12 Priority Pass visits — enough for 6–12 trips — for the lowest effective lounge access cost of any card on this list.
Frequently Asked Questions
What is the best credit card for airport lounge access in 2026?
The best card depends on how you fly. For the widest global network, the Amex Platinum (1,550+ locations including Centurion and Priority Pass) is unmatched but costs $895/year and charges $30/guest at Centurion. For the best guest policy and proprietary lounge quality, the Chase Sapphire Reserve (two free guests at Sapphire Lounges + Priority Pass) is the top choice for couples and family travelers at $795/year. For the best value, the Capital One Venture X (Priority Pass + Capital One Lounges + two free guests) at $395/year is effectively free after annual credits and offers a growing proprietary lounge network rated best-in-class by NerdWallet in 2026.
What is the difference between Priority Pass and Centurion Lounge access?
Priority Pass is a third-party network of 1,300+ independently operated airport lounges worldwide — quality varies significantly by location, ranging from basic airline lounges to premium spaces in international hub airports. Centurion Lounges are American Express’s own branded lounges (40+ locations globally) with a consistently premium experience: chef-driven menus, full bar, spa services at select locations, and shower suites at all locations. Centurion quality is consistently above the average Priority Pass lounge, but the network is much smaller — most airports do not have a Centurion Lounge. Most premium lounge cards include both networks.
Can I bring guests to airport lounges with my credit card?
Guest policies vary significantly by card and lounge network in 2026. The Chase Sapphire Reserve includes two free guests at Sapphire Lounges. The Capital One Venture X includes two free guests at Capital One Lounges and Priority Pass lounges. The Amex Platinum charges $30 per guest at Centurion Lounges (waived at $75,000 in annual card spend). The Delta SkyMiles Reserve allows 2 guests at $50 each (free at $30,000 annual spend). The United Club Infinite allows immediate family or 2 guests for free. Always confirm the current guest policy for your specific card and lounge type before your trip — policies changed multiple times in 2024 and 2025 and may continue to change.
What credit score do I need for a credit card with airport lounge access?
Premium lounge cards require excellent credit — generally a FICO score of 720 or above for the best approval odds, with 740+ recommended for the Chase Sapphire Reserve and Amex Platinum. The Capital One Venture X and U.S. Bank Altitude Reserve require excellent credit at 720+, and Capital One is known for pulling all three major credit bureaus at application. The airline co-branded cards (Delta Reserve, United Club Infinite) generally require good to excellent credit at 700+. Chase also applies the 5/24 rule — five or more new card accounts in 24 months typically results in denial regardless of score.
Is airport lounge access worth the annual fee on a premium card?
For frequent travelers (10+ flights per year), yes — with the right card. A lounge visit delivers tangible value: a full meal, open bar, Wi-Fi, and a quiet comfortable space that replaces $20–$50 in terminal food and drink per visit. On 12 lounge visits per year at $30 average value, that’s $360 in practical benefit before any other card credit. Combined with the travel credit, welcome offer, and other benefits of a card like the Capital One Venture X (effective fee ~$0) or Chase Sapphire Reserve (effective fee ~$495 after travel credit), the lounge access becomes a bonus on top of a card you would justify holding anyway. For infrequent travelers (4 flights/year), the U.S. Bank Altitude Reserve’s 12-visit Priority Pass at ~$75 effective cost is more proportionate.
Did the Chase Sapphire Lounge leave Priority Pass in 2026?
Yes — Chase Sapphire Lounge by The Club left the Priority Pass and LoungeKey networks on August 15, 2026. Chase Sapphire Reserve cardholders continue to access Sapphire Lounges directly through their card, with two free guests per visit. The practical effect: Amex Platinum cardholders using Priority Pass can now access Sapphire Lounges only one time per year at no charge (with Priority Pass’s standard one-free-visit-at-non-PP-branded-lounges policy), with a $75 fee for each additional Sapphire Lounge visit via Priority Pass. Reserve cardholders are unaffected — their Sapphire Lounge access remains unlimited through the card’s direct benefit.
Our Editorial Approach
CardRankr is an independent credit card comparison website. We are not affiliated with any card issuer or lounge operator, and no issuer paid for placement in this guide. All lounge network sizes, guest policies, annual fees, and card terms were verified against issuer websites (americanexpress.com, chase.com, capitalone.com, delta.com, united.com, usbank.com) and leading financial media as of August 2026. Lounge access policies change frequently and without notice — always confirm current terms directly with the card issuer and lounge network before your trip.
Read Next
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