I have the Chase Sapphire credit card which gives me club access at MoBay on arrival and departure. It doesn't provide me with the gate service but total access to the lounge. On arrival after customs and immigration, I use the restroom and have a drink. They even fill my Bubba Keg for my ride to Negril. On departure, I use my card to avoid lines and relax in the lounge. You can take as many guests as you want. The other benefit of the card is 3x points on travel and dining.