I fly dozens of times a year. Chase’s new lounges are a game changer — and don’t require a first-class ticket.

Chase’s NYC lounge spaces opened in January. The latter two compete with AMEX’s ever-popular Centurion lounges operating at both airports. Capital One also has lounges in Dallas-Fort Worth, Denver, and Washington Dulles, with one also planned for JFK.

Chase’s New York-JFK location is in Terminal 4. Travelers from other terminals can’t access it without clearing security again, so it’s most suitable for those flying on carriers operating there, like Delta Air Lines and its Skyteam partners.

Chase’s LaGuardia location is in Terminal B. This means passengers on almost every US airline except Delta and Spirit, which operate out of Terminal C and A, respectively, can access it.

Both Chase lounges have a bar, seating, and a buffet, but their main difference is their size.

At LaGuardia, passengers can enjoy a two-story lounge complete with several rooms and games. Amenities like rest pods and facial treatments are also available, and guests can book a private “Retreat Suite” for a fee. It comes with a shower and concierge, among other perks.

The JFK space was much smaller by comparison, but the cozy lounge overlooking the ramp still had everything I needed to relax before a long-haul flight.

Tucked away in the LaGuardia lounge is a retro-themed arcade with a pinball machine and shuffleboard. There were also vinal records, a jukebox, and other random oldies decor.

I had a salmon egg Benedict and breakfast bao at JFK and an egg omelette at LaGuardia.

Other menu options included egg polenta and a tofu spinach wrap, among other options.

Despite its smaller size, JFK has plenty of seating options for relaxing or working — and I think it’s the best Priority Pass option at the airport.

The other Priority Pass lounges at Terminal 4 include Virgin Atlantic and Air Inda’s business lounges and the independent Primeclass Lounge. In my experience, the airline options can get crowded, while the Chase location was more tame, and I thought the food was easily better.

The Chase Lounge at LaGuardia is the only Priority Pass option at that airport. Otherwise, AMEX is next door at Terminal B, and Delta has SkyClubs in Terminal C.

Priority Pass is ideal for me as it doesn’t require on airline status, and I can justify $550 a year for almost guaranteed lounge access at airports worldwide (which is really $250 once you factor in the $300 annual travel credit).

Granted, some airports (like Newark Liberty and previously LaGuardia) don’t have any Priority Pass options, while many of the lounges that do exist have few or poor food options. Further, the airline-owned ones can often get so overcrowded that they restrict Priority Pass members from entering.

However, Chase joining the lineup with branded lounges at my two home airports means I now have solid, reliable options I know will be available and comfortable with good food — and I can enjoy unlimited access with even a basic economy ticket.

Amex pioneered credit card-sponsored airport lounges and has a strong customer base. Its sprawling Centurion locations make it much more accessible than Chase’s smaller network, plus cardholders can also visit hundreds of airline and independent lounges, including Delta’s SkyClubs.

There are many reasons to invest in an Amex card, but I hesitate because of the pricier $695 annual fee; plus, I’m a longtime Chase customer and prefer Visa for international travel.

As it’s unlikely I’d pay over $1,000 to have both Chase and Amex, I’m hoping Chase can quickly catch up. Its nearly a dozen existing and planned locations are a good start.