Lounge is a free app for tracking credit-card benefits and planning reward travel. You never create an account or share any passwords. Everything you enter stays on your device. Optional paid subscriptions (Lounge Plus) are managed entirely through Apple or Google — we never handle your payment information.
1. Acceptance of terms
By downloading, installing, or using Lounge ("the App"), you agree to be bound by these Terms of Service. If you do not agree, please do not use the App.
These terms apply to all versions of Lounge, including the iOS app available on the Apple App Store and the Android app available on Google Play.
2. What Lounge is
Lounge is a personal finance information tool that helps credit-card holders track benefits, plan reward travel, and understand the value of their points and miles. Lounge provides informational guidance only.
- Lounge is not a financial advisor, travel agent, or booking engine.
- Lounge is not affiliated with, endorsed by, or authorized by American Express, Chase, Citi, Capital One, or any other card issuer.
- Lounge does not connect to your bank accounts, card accounts, or any financial institution.
- Benefit and program information is accurate to our most recent review and may have changed — always verify current terms with your card issuer.
3. No account or registration required
Lounge does not require you to create an account, provide an email address, or set a password. You can open and use every core feature immediately.
You may optionally enter a first name and a home airport in the Settings tab for a more personalized experience. This information is stored locally on your device only and is never transmitted to any server.
If you subscribe to Lounge Plus (see Section 4), the subscription is managed through your Apple ID or Google Play account — not through Lounge. We do not have access to your billing details.
4. Lounge Plus subscriptions
Lounge offers two optional auto-renewing subscription tiers under the "Lounge Plus" group. Both are available on a monthly or annual basis:
| Plan | Monthly | Annual | What it adds |
|---|---|---|---|
| Navigator | $2.99/mo | $29.99/yr | Benefit-expiry reminders (push notifications) before every credit resets or expires |
| First Class | $4.99/mo | $49.99/yr | Everything in Navigator, plus the full Rewards Travel Advisor: search across 350+ cities and 4,900+ hotels |
Prices are in USD and may vary by region as determined by the App Store or Google Play. We reserve the right to change subscription pricing with advance notice.
5. Your data
All information you enter in Lounge — card balances, benefit usage, point balances, and settings — is stored locally on your device. We do not collect, transmit, or store any of this information on external servers.
A backup and restore feature is available in Settings. If you choose to create a backup code, that code contains your app data in encrypted form. Keep it private: anyone with the code can restore your portfolio. The code is not transmitted to or stored by Lounge.
The only data that flows outside your device is subscription status, which is validated through Apple or Google via RevenueCat solely to unlock paid features. See our Privacy Policy for full details.
6. Acceptable use
You agree to use Lounge only for its intended purpose — personal, non-commercial tracking of your own credit-card benefits and points. You agree not to:
- Reverse engineer, decompile, or modify the App.
- Use the App to provide commercial services to third parties without our written permission.
- Attempt to extract, scrape, or systematically access any data or content within the App.
- Use the App in any way that violates applicable law.
7. Intellectual property
Lounge and all of its content, design, and code are owned by The Great Northern Group LLC. Card names, program names, logos, and benefit details are trademarks of their respective issuers and are shown for identification and educational purposes only.
Nothing in these terms grants you any rights in the Lounge brand, logo, or name.
8. Disclaimers
Lounge is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that:
- Benefit or points information is complete, current, or error-free — card terms change frequently.
- The App will be uninterrupted, secure, or free of bugs.
- Results from the Worth It? calculator or Rewards Travel Advisor represent guaranteed savings or outcomes.
Lounge is an informational tool, not financial advice. Always verify benefit and program details directly with your card issuer or loyalty program before making financial decisions.
9. Limitation of liability
To the maximum extent permitted by applicable law, The Great Northern Group LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of Lounge, including but not limited to missed benefits, incorrect point valuations, or reliance on information displayed in the App.
10. Changes to these terms
We may update these Terms of Service from time to time. When we do, we will update the "Last updated" date at the top of this page. Continued use of the App after changes are posted constitutes your acceptance of the updated terms.
For material changes, we will make reasonable efforts to notify you through the App or the App Store / Google Play update notes.
11. Governing law
These terms are governed by the laws of the State of New York, United States, without regard to its conflict-of-law provisions. Any disputes arising from these terms or your use of Lounge shall be resolved in the courts of competent jurisdiction in New York.
12. Contact
Questions about these terms? We're happy to help.
- Email: hello@getlounge.io
- Website: getlounge.io
- The Great Northern Group LLC