I've had the Chase Sapphire Reserve for about 3 months, and I really like it. I'm a commuter and frequent pass traveler, so I hit the $300 travel credit in the first month. The 3x points are nice, too. I've earned 3x at my commuter airport's parking office, as well as when reloading my Starbucks and Caribou cards. As for the lounge access, I haven't tried it, but the fine print does say one needs to have a boarding pass for a confirmed seat, or something to that effect. Like everyone else said, YMMV.