If you spend a lot of time waiting around in airports, investing in an Amex Platinum Business Card may be worth the money.

The card gains you entry to hundreds of lounges at U.S. and international airports, including Amex Centurion, Delta Sky Club, Airspace Lounge and Priority Pass Select lounges. So instead of cramming into a metal chair during a long layover, you can spread out in a comfortable seat, take advantage of free Wi-Fi for your laptop, and relax and refresh with often complimentary food and drink.

"It's a really cool card to carry," says McQuay at NerdWallet. "It lets you in to a lot of places."

When making purchases, though, you're better off using a different card with a more generous rewards program, McQuay advises.

Still, the platinum card comes with a $200 airfare credit each year, which helps offset the steep $450 annual fee.