The Best Credit Cards for Free Airport Lounge Access in July 2026

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The Best Personal Cards for Lounge Access

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Card	Welcome Offer and Annual Fee	Lounge and Guest Access Info
Platinum Card^® from American Express Apply Now	As High as 175,000 Points. Find Out Your Offer.Platinum Card^® from American ExpressYou may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary, and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount — all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted. Annual fee of $895 (rates & fees )	American Express Global Lounge Collection access; featuring: 1,550 airport lounges, including Priority Pass™ lounge access when enrolled The luxurious Amex Centurion Lounges 10 visits to Delta Sky Club when flying Delta with the ability to unlock unlimited visits through spending Select Virgin Clubhouses Escape Lounges – The Centurion Studio Partner Plaza Premium Lounges, and more Allows access for cardholder plus up to 2 additional guests. All guests must be on the same flight as the main cardmember.
Chase Sapphire Reserve^® Apply Now	100,000 pointsChase Sapphire Reserve^®Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. Annual fee of $795 (rates & fees)	Access to Priority Pass lounges (including experiences), Chase Sapphire Lounge by The Club, and select Air Canada Maple Leaf Lounges Access for the cardholder and authorized users plus up to 2 additional guests each
Capital One Venture X Rewards Credit Card Apply Now	75,000 milesCapital One Venture X Rewards Credit CardEarn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel. Annual fee of $395 (rates & fees)	A great value lounge access card Participating Priority Pass™ lounge access (after enrollment) and Capital One Lounge and Landing access
Citi Strata Elite℠ Card Apply Now	75,000 PointsCiti Strata Elite℠ CardEarn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening. Annual fee of $595 (rates & fees)	Priority Pass lounge access for primary cardholder and authorized users, with up to 2 additional guests 4 American Airlines Admirals Club passes annually
Delta SkyMiles^® Reserve American Express Card Apply Now	As High As 100,000 Miles. Find Out Your Offer.Delta SkyMiles^® Reserve American Express CardYou may be eligible for as high as 100,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted. Annual fee of $650 (rates & fees)	Access to Delta Sky Club when flying Delta same-day* Get 2 additional guests for $50 per person, children 2 and under are free. All guests must be on the same flight as the main cardmember. Access to Amex Centurion Lounges and Escape Lounges when flying Delta

* Delta Reserve card members receive 15 visits per year to the Delta Sky Club; to earn an unlimited number of visits each year, the total eligible purchases on the card must equal $75,000 or more within a calendar year.

Most credit cards with global lounge access, including Priority Pass membership, allow 2 additional guests at no cost. The number of guests you can bring, and the amount you will be charged for guests beyond the allotted maximum, vary by card.

You can review the guest details in the offer information before selecting a card, or check the terms and conditions in the card benefits guide when you receive your card to see current rates.

The Best Business Cards for Lounge Access

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Card	Welcome Offer and Annual Fee	Lounge and Guest Access Info
The Business Platinum Card^® from American Express Apply Now	NEW OFFERAs High As 300,000 Points. Find Out Your Offer. The Business Platinum Card^® from American ExpressAs High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards^® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Annual fee of $895 (rates & fees)	This is our #1 business card for getting into lounges worldwide. American Express Global Lounge Collection access, featuring 1,550 airport lounges, including Priority Pass lounge access when enrolled, 10 visits to Delta Sky Clubs (when flying Delta) with the ability to unlock unlimited visits through spending, select Virgin Clubhouses, Plaza Premium Lounges, plus the luxurious Amex Centurion Lounges Allows access for cardholder and up to 2 additional guests. All guests must be on the same flight as the main cardmember.
Capital One Venture X Business Card	150,000 milesCapital One Venture X Business CardEarn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening. Annual fee of $395 (rates & fees)	Access to participating Priority Pass™ lounges after enrollment and Capital One Lounges and Landings for the primary cardholder
Sapphire Reserve for Business℠ Apply Now	LIMITED TIME OFFER200,000 pointsSapphire Reserve for Business℠Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year. Annual fee of $795 (rates & fees)	Access to Priority Pass lounges (including experiences), Chase Sapphire Lounge by The Club, and select Air Canada Maple Leaf Lounges Access for the cardholder and authorized users plus up to 2 additional guests each
Delta SkyMiles^® Reserve Business American Express Card Apply Now	80,000 milesDelta SkyMiles^® Reserve Business American Express CardEarn 80,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Annual fee of $650 (rates & fees )	Access to Delta Sky Club lounges* (when flying Delta same-day), Amex Centurion Lounges, and Escape Lounges – The Centurion Studio Partner Lounge access for the cardholder only when traveling on Delta; get 2 additional guests at a discounted rate, children 2 and under are free. All guests must be on the same flight as the main cardmember.

* Delta Reserve Business card members receive 15 visits per year to the Delta Sky Club; to earn an unlimited number of visits each year, the total eligible purchases on the card must equal $75,000 or more within a calendar year.

Similar to our personal card list, the Amex Business Platinum card takes the top spot because it provides access to multiple airport lounge networks, including Priority Pass lounges (upon enrollment), Amex Centurion Lounges, 10 visits to Delta Sky Clubs (when flying Delta same-day) with the ability to unlock unlimited visits through spending, Escape Lounges, Plaza Premium Lounges, and more.

Final Thoughts

Lounge access is one of the most valuable travel perks, so including this benefit on a premium credit card makes sense for serious travelers. Plus, if you’re purchasing a lounge access membership elsewhere, it’s a simple economic decision to consider a premium credit card that includes this perk.

While lounge access may be important, you’ll want to consider the full package of benefits that comes with each card, as it’s just one of many valuable perks on a premium travel card.

Ultimately, the Amex Platinum card is by far the best lounge-access card, and the one we use and recommend.