New to flyertalk!
In fact fairly new to flying. I am just now picking up my statuses at various companies.

I am primarily a Delta flyer, out of RDU, to both domestic and international America locations. I have been spending a lot of time in the ATL airport (and SLC), so I am looking at lounge access cards. The two I have narrowed it down to are the Ameriprise World Elite Mastercard and AMEX platinum. I know I would be using the following features:

- Lounge Access
- Concierge
- Travel insurance

Although I am primarily a DL flyer, I do fly other airlines so I don't want just a CRC membership (or skyclub now).

Any opinions? Is the ameriprise lounge access through priority pass working out well. From what I found in search:
- All lounges are now free (even though it use to be a charge for CO)
- People are not necessarily getting charged for guests, it appears as though they aren't getting charged in ATL for CRC access

Thanks!