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The 10+ Best Credit Cards for Airport Lounge Access [October 2023]

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Christine Krzyszton

Christine Krzyszton

Senior Finance Contributor

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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
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Juan has been involved in credit cards, loyalty, travel, and personal finance for more than 10 years. He has worked for several outlets including The Points Guy and Forbes and was previously Editor-in...
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Stella Shon

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If you’re a frequent traveler, consider a premium credit card that offers complimentary airport lounge access. You’ll receive lounge access with these cards and a whole treasury of travel benefits.

Premium credit cards offer generous welcome bonus offers, travel purchase credits, free internet access, the ability to earn travel rewards, luxury perks and benefits, assistance when things go wrong, and travel and purchase protections.

Don’t buy a lounge membership or even a day pass until you’ve reviewed our collection of credit cards to consider for complimentary lounge access. These cards provide this perk to authorized users, which can offer discounted or complimentary lounge access, and our breakdown on how much lounge access is worth.

The 6 Best Personal Cards for Complimentary Lounge Access

Personal consumer credit cards are the go-to cards for securing complimentary lounge access, as you’ll find a more comprehensive selection than with business credit cards.

It’s challenging to compare credit cards on lounge access benefits alone, as a card with a high annual fee may offer other perks or rewards that more than offset that annual fee. You’ll have to investigate further to see if a card is suitable for your situation overall and not just a perfect fit from a lounge access perspective.

Personal CardWelcome Offer and Annual FeeLounge Access and Guest Access Info
The Platinum Card® from American Express
  • Earn 80,000 points after spending $8,000 on purchases in the first 6 months.
  • Annual fee of $695 (rates and fees)
Capital One Venture X Rewards Credit Card (rates and fees)
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $395
  • Access to Priority Pass lounges, Capital One Lounges, and select Plaza Premium Lounges for the cardholder plus up to 2 additional guests
  • Add up to 4 authorized users at no additional cost; authorized users receive the same lounge access as cardholders
Chase Sapphire Reserve®
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $550
  • Access to Priority Pass lounges (including non-lounge experiences like restaurants) and Sapphire Lounges for the cardholder plus up to 2 additional guests
The Hilton Honors American Express Surpass® Card
  • Earn 130,000 bonus points after spending $2,000 in purchases within your first 3 months.
  • Annual fee of $95
  • Priority Pass lounge access
  • 10 complimentary day passes annually; $35 each visit after that
Hilton Honors American Express Aspire Card
  • Earn 150,000 points after spending $4,000 in eligible purchases within the first 3 months.
  • Annual fee of $450
  • Priority Pass lounge access
  • Allows access for cardholder plus up to 2 additional guests
United Club℠ Infinite Card
  • Earn 80,000 bonus miles after spending $5,000 in the first 3 months.
  • Annual fee of $525

1. Amex Platinum Card (Best for Worldwide Lounge Access, Premium Benefits & Perks)

The Platinum Card® from American ExpressTerms Apply / Rates & Fees

The Platinum Card® from American Express

U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

This card is undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.

Learn More(at Amex's secure site)

The Platinum Card® from American Express

This card is undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros

  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per $1 spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
  • 5x points per $1 spent on prepaid hotels booked with American Express Travel
  • Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
  • TSA PreCheck or Global Entry credit
  • Access to American Express Fine Hotels and Resorts
  • Access to Amex International Airline Program
  • No foreign transaction fees (rates and fees)

Cons

  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Financial Snapshot

  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

If you’re looking for a rewards card that offers top-notch perks and benefits, you need to look no further than the Amex Platinum card.

You’ll have access to 1,400+ airport lounges worldwide within the American Express Global Lounge Collection:

The Amex Platinum card offers many more benefits to add more value. You can access annual and monthly statement credits (enrollment required) like Uber Cash, CLEAR Plus, Saks Fifth Avenue, and more. Plus, you’ll receive complimentary Marriott Bonvoy Gold and Hilton Honors Gold elite status (enrollment required) and important travel insurance and purchase protections, including trip delay insurance and cell phone protection.

2. Capital One Venture X Card (Best for Priority Pass & Capital One Lounges)

Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$395
22.24% - 29.24% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-840)

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros

  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights purchased through Capital One Travel
  • 2x miles per $1 on all other purchases
  • $300 annual travel credit on bookings made through Capital One Travel
  • Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • 10,000 bonus miles awarded on your account anniversary each year
  • Global Entry/TSA PreCheck credit
  • Add authorized users for no additional annual fee
  • No foreign transaction fees

 

Cons

  • $395 annual fee
  • Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

 

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more – you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®

Financial Snapshot

  • APR: 22.24% - 29.24% (Variable)
  • Foreign Transaction Fees: $0

Card Categories

Rewards Center

Capital One Miles

 

The Capital One Venture X card is a standout option because not only does it offer Priority Pass and Capital One Lounge access for you and up to 4 complimentary authorized user cards, but it also earns 10x points on hotels and rental cars booked through Capital One Travel, 5x points on flights booked through Capital One Travel, and 2x miles on all other purchases — allowing cardmembers to rack up miles quickly.

Plus, the card offers an annual travel credit of $300 for bookings made through Capital One Travel, 10,000 bonus miles each card anniversary, a Global Entry or TSA PreCheck credit, complimentary Hertz Gold Plus President’s Circle status, and more.

3. Chase Sapphire Reserve Card (Best for Priority Pass Lounges & Restaurants)

Chase Sapphire Reserve®

Chase Sapphire Reserve®

U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Learn More(at Chase's secure site)

Chase Sapphire Reserve®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000 points
$1,200
$550
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros

  • 10x points on car rentals, hotels, and dining booked via the Chase Ultimate Rewards portal
  • 10x points on Lyft purchases March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
  • 5x points on airfare booked via the Chase Ultimate Rewards portal
  • 3x points on all other travel and dining purchases; 1x point on all other purchases
  • $300 annual travel credit
  • Priority Pass airport lounge access
  • TSA PreCheck, Global Entry, or NEXUS credit
  • Access to Chase Luxury Hotel and Resort Collection
  • Rental car elite status with National and Avis

Cons

  • $550 annual fee
  • Does not offer any sort of hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card is an excellent all-around premium travel rewards card. Beyond the airport lounge access it offers via Priority Pass and Chase Sapphire Lounge by The Club, it also offers 10x points on car rentals, hotels, and dining booked through Chase Ultimate Rewards, 5x points on airfare booked through Chase Ultimate Rewards, and 3x points on all other travel and dining purchases.

The card also offers an annual travel credit of up to $300, partnership benefits with Lyft, DoorDash, and Instacart+, and flexible redemption options like booking through the Chase travel portal with a 50% bonus or access to Chase transfer partners.

Hot Tip:

Chase Sapphire Reserve cardholders with Priority Pass membership uniquely have access to non-lounge experiences at airports, including credits at restaurants and services at Be Relax Spa.

4. Hilton Surpass Card (Best for 10 Priority Pass Day Passes)

The Hilton Honors American Express Surpass® CardTerms Apply / Rates & Fees

The Hilton Honors American Express Surpass® Card

U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and Priority Pass lounge access.

Learn More(at Amex's secure site)

The Hilton Honors American Express Surpass® Card

An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and Priority Pass lounge access.
Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card within your first 3 months of Card Membership.
130,000 points
$650
$95
20.74% - 29.74% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

If you’re someone who loves traveling and loves staying in Hilton hotels, adding a co-branded Hilton hotel card to your wallet is almost a no-brainer. From automatic Hilton elite status, to airport lounge access, the Hilton Honors American Express Surpass® Card can be a great fit for Hilton loyalists looking to up their travel game.

Pros

  • 12x points per $1 at Hilton hotels
  • 6x points per $1 U.S. supermarkets, U.S. gas stations, and U.S. restaurants
  • 3x points per $1 on all other purchases
  • Complimentary Hilton Honors Gold status
  • No foreign transaction fees

Cons

  • Annual fee of $95.
  • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card within your first 3 months of Card Membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms Apply.

Financial Snapshot

  • APR: 20.74% - 29.74% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Hilton Honors

For those looking for airport lounge access without needing to pay a hefty annual fee, the Hilton Surpass card is a great option thanks to its 10 complimentary passes each year to Priority Pass lounges.

It is an excellent option for those who frequent Hilton hotels thanks to its complimentary Hilton Gold Elite status, which offers 80% bonus points, complimentary room upgrades, daily food and beverage credit, and late checkout. Plus, it earns 12x points on Hilton stays, 6x points at U.S. supermarkets, U.S. gas stations, and U.S. restaurants, and 3x points on all other purchases.

5. Hilton Aspire Card (Best for Priority Pass)

Hilton Honors American Express Aspire CardTerms Apply / Rates & Fees

Hilton Honors American Express Aspire Card

U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.

Learn More(at Amex's secure site)

Hilton Honors American Express Aspire Card

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.
Earn 150,000 Hilton Honors Bonus Points with the Hilton Aspire card from American Express after you use your new card to make $4,000 in eligible purchases within the first 3 months of card membership.
150,000 points
$750
$450
20.74% - 29.74% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

Paying hundreds of dollars for an annual fee on a co-branded hotel card might seem ridiculous, but you should know that the Hilton Honors American Express Aspire Card is much more than your run-of-the-mill hotel credit card.

The Hilton Aspire card is not only a phenomenal card for Hilton Honors loyalists, but even those who visit Hilton hotels just a few times a year can still get excellent value out of all the benefits that are packed into this card.

So let’s have a look at what makes the card so valuable to travelers.

Pros

  • 14x points per $1 on Hilton purchases
  • 7x points per $1 on select travel and at U.S. restaurants
  • 3x points per $1 on all other purchases
  • Complimentary Hilton Diamond status
  • $250 Hilton Resort statement credit
  • $250 airline fee credit
  • 1 Free Weekend Night Award each cardmember anniversary
  • Priority Pass Select membership
  • $100 credit at Waldorf Astoria and Conrad properties

Cons

  • High annual fee of $450
  • Earn 150,000 Hilton Honors Bonus Points with the Hilton Aspire card from American Express after you use your new card to make $4,000 in eligible purchases within the first 3 months of card membership. Plus, enjoy a free Weekend Night Reward within your first year and every year after renewal.
  • Earn 14x Hilton Honors Bonus Points when you make eligible purchases on your card at participating hotels or resorts within the Hilton portfolio.
  • Earn 7x Hilton Honors Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies, and at U.S. restaurants.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your card.
  • Enjoy up to $250 in Hilton Resort Credits on your card each anniversary year when you stay at participating resorts within the Hilton portfolio.
  • Enjoy complimentary Diamond status.
  • $450 annual fee.

Financial Snapshot

  • APR: 20.74% - 29.74% Variable
  • Foreign Transaction Fees: None

Card Categories

For dedicated Hilton loyalists, there is no better card option than the Hilton Aspire card. You get full Priority Pass lounge access and complimentary top-tier Hilton Diamond status, including 100% bonus points, suite upgrades, complimentary breakfast, Hilton executive lounge access, and more.

You’ll also earn 14x points on Hilton purchases, 7x points on select travel and at U.S. restaurants, and 3x on all other purchases. Along with an annual up to $250 airline fee credit, an annual up to $250 Hilton Resort statement credit, and 1 Free Weekend Night Award each cardmember anniversary, redeemable at nearly any Hilton hotel worldwide.

6. United Club Infinite Card (Best for United Club)

United Club℠ Infinite Card

United Club℠ Infinite Card

U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.

Learn More(at Chase's secure site)

United Club℠ Infinite Card

Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.
Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
80,000 miles
$960
$525
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

The United Club℠ Infinite Card is a premium card designed for the most dedicated of United frequent flyers who are looking for a card that provides the opportunity to earn extra United MileagePlus miles and receive lounge access via a yearly United Club membership.

United frequent flyers will find that the United Club Infinite card provides an enhanced experience on their United flights thanks to the money saved on each flight and the conveniences it provides.

Pros

  • 4x miles per $1 on United purchases
  • 2x miles per $1 on travel and dining purchases
  • Complimentary United Club membership
  • Free first and second checked bag for you and 1 traveling companion
  • United Premier Access
  • 25% back on United inflight purchases
  • Complimentary Premier Upgrades on United-operated award tickets (when available)
  • Expanded award availability
  • Up to 8,000 Premier Qualifying Points
  • $100 Global Entry/TSA PreCheck/NEXUS credit
  • Trip protections like trip delay insurance, lost and delayed luggage insurance, and rental car insurance
  • Shopping protections like return protection, purchase protection, and extended warranty protection
  • $70 discount on CLEAR membership, plus 10,000 bonus miles
  • IHG One Rewards Platinum Elite status and a $75 annual credit
  • Avis President’s Club elite status
  • 10% discount on United Economy Saver Awards within the continental U.S. and Canada

Cons

  • $525 annual fee
  • Does not earn transferable rewards
  • Earn 80,000 bonus miles after qualifying purchases
  • Earn 4 miles per $1 spent on United® purchases
  • Earn 2 miles per $1 spent on all other travel and dining
  • Earn 1 mile per $1 spent on all other purchases
  • Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services
  • 10% United Economy Saver Award discount within the continental U.S. and Canada
  • Earn up to 8,000 Premier qualifying points (500 PQP for every $12K you spend on purchases)
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

If you’re a frequent United flyer, you should strongly consider adding the United Club Infinite card to your wallet. Those who hold it receive perks like a complimentary United Club membership, free first and second checked bags, and complimentary Premier Upgrades on United-operated award tickets (upon availability).

As if that weren’t enough, you’ll also receive expanded award availability on United flights, a 10% discount on United Economy Saver awards within the continental U.S. and Canada, a Global Entry/TSA PreCheck/NEXUS credit, complimentary IHG One Rewards Platinum Elite status and a $75 annual IHG credit, and the ability to earn additionally Premier Qualifying Points (PQPs) toward your next level of United status.

Bottom Line:

Although lounge access may be a primary reason you’re considering a credit card, you’ll want to review the other perks, benefits, credits, and rewards that come with the card to see if it fits overall. 

The 3 Best Business Cards for Complimentary Lounge Access

Regarding business cards, there are significantly fewer options that offer airport lounge access, but there are still a few compelling options. So for any business owner looking for a great card that also provides lounge access, here are the top options:

Business CardWelcome Offer and Annual FeeLounge Access and Guest Access Info
The Business Platinum Card® from American Express
  • OUR BEST OFFER: Earn 120,000 points after you spend $15,000 on purchases in the first 3 months.
  • Annual fee of $695 (rates and fees)

Access to 1,400+ airport lounges through the Amex Global Lounge Collection, including Centurion Lounges, Delta Sky Club lounges (when flying same-day Delta), Plaza Premium Lounges, Priority Pass lounges (upon enrollment), select Virgin Clubhouses, and more

Delta SkyMiles® Reserve Business American Express Card
  • Limited Time Offer: Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023.
  • Annual fee of $550 (rates and fees)
  • Access to Delta Sky Club lounges, Centurion Lounge (when you book your Delta flight with your Delta Reserve card), and Escape Lounges
  • Lounge access for the cardholder only when traveling on Delta; get 2 additional guests for $50 per person, children 2 and under are free
  • Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
The Hilton Honors American Express Business Card
  • Welcome Offer: Earn 130,000 points after spending $3,000 in purchases in the first 3 months.
  • Annual fee of $95 (rates and fees)
  • Priority Pass lounge access (upon enrollment)
  • 10 complimentary day passes annually; $35 each visit after that

1. Amex Business Platinum Card (Best Business Card for Worldwide Lounge Access, Premium Benefits & Perks)

OUR BEST OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees

The Business Platinum Card® from American Express

U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More(at Amex's secure site)

The Business Platinum Card® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
120,000 points
$2,640
$695
19.49% - 27.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Pros

  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Up to $200 annual airline fee credit on your selected qualifying airline
  • Statement credits on select purchases with your card
  • 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Global Entry or TSA PreCheck application fee credit
  • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
  • Access to Amex’s Fine Hotels & Resorts program

Cons

  • High annual fee of $695 (rates and fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.

Financial Snapshot

  • APR: 19.49% - 27.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Like the personal version, the Amex Business Platinum card is for you if you’re a business owner looking for a rewards card loaded with great benefits. This is our #1 business credit card for getting into lounges worldwide.

It offers the same access to over 1,400 airport lounges worldwide as the Amex Platinum card but also includes annual credits (upon enrollment) for airline incidentals, CLEAR Plus, Dell, Indeed, Adobe, and wireless phone services. It also comes with complimentary hotel elite status with Marriott and Hilton (upon enrollment), a 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year), and more.

2. Delta Reserve Business Card (Best Business Card for Delta Sky Club, Centurion Lounge & Escape Lounge)

LIMITED-TIME OFFER
Delta SkyMiles® Reserve Business American Express CardTerms Apply / Rates & Fees

Delta SkyMiles® Reserve Business American Express Card

U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

Learn More(at Amex's secure site)

Delta SkyMiles® Reserve Business American Express Card

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.
Limited Time Offer: Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023.
Up to 110,000 miles
$1,320
$550
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Delta SkyMiles® Reserve Business American Express Card is a premium card option for small business owners who are both frequent travelers and Delta loyalists.

While the annual fee may be steep, the card comes loaded with perks and benefits that all frequent Delta flyers are sure to love. Let’s take a look at what makes the card unique, and why it may be a great fit for your wallet.

Pros

  • Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
  • Complimentary Delta Sky Club access when flying Delta and 2 Delta Sky Club 1-time guest passes (through February 1, 2025)
  • Complimentary Amex Centurion Lounge access when flying Delta
  • Access to complimentary flight upgrades

Cons

  • High annual fee
  • Does not earn many miles for purchases outside of Delta spend
  • Rewards are not transferable
  • Limited Time Offer: Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023.
  • Save 15% On Award Travel With TakeOff 15. Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
  • With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections.* You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together. *Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
  • After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
  • Enjoy 3x miles per dollar on Delta purchases.
  • With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status.* MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.*Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more.
  • Terms and limitations apply.

Financial Snapshot

  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Delta SkyMiles Frequent Flyer Program

For business owners that are Delta loyalists, the Delta Reserve Business card is a must-have. In addition to complimentary Delta Sky Club and Amex Centurion Lounge access when booking and flying same-day Delta with the card, you also receive 15% off on Delta award tickets, an annual companion certificate, complimentary upgrades upon availability, complimentary checked bags, and more.

3. Hilton Business Amex Card (Best Business Card for 10 Priority Pass Day Passes)

The Hilton Honors American Express Business CardTerms Apply / Rates & Fees

The Hilton Honors American Express Business Card

U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.

An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.

Learn More(at Amex's secure site)

The Hilton Honors American Express Business Card

An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.
Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
130,000 points
$650
$95
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

For frequent business travelers who regularly stay in Hilton hotels, The Hilton Honors American Express Business Card is a great option.

Not only will the card help you earn more points on all of your Hilton stays, but you’ll also receive automatic elite status, complimentary Priority Pass visits, travel protections, and the opportunity to earn free night certificates.

Here’s a detailed look at all the benefits this card offers so that you can determine if it’s a good fit for you.

Pros

  • 12x points per $1 on Hilton purchases
  • 6x points per $1 at U.S. gas stations, on wireless telephone services purchases directly from U.S. service providers, and on U.S. purchases for shipping
  • 6x points per $1 at U.S. restaurants, on flights booked directly with airlines or with Amex Travel, and on car rentals booked directly from select car rental companies
  • 3x points per $1 on all other purchases
  • Automatic Hilton Honors Gold status, and the ability to spend your way to Diamond status
  • 10 complimentary Priority Pass visits
  • Free Weekend Night Reward after $15,000 in spend in a calendar year, and a second after you spend $60,000
  • No foreign transaction fees (rates and fees)

Cons

  • Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X directly with hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
  • Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
  • Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Terms apply.

Financial Snapshot

  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Hilton Honors loyalty program

Lastly, the Hilton Business Amex card is worth a look for any traveling business owner that frequents Hilton hotels. Holding it will enhance your Hilton stays by offering complimentary Hilton Gold elite status, 12x points on Hilton stays, and a Free Weekend Night Reward after spending $15,000 on the card in a calendar year; but also 10 complimentary Priority Pass visits each year (upon enrollment).

Bottom Line:

There aren’t many business credit cards offering complimentary lounge access, so you may want to look for lounge access benefits on a personal consumer credit card as there are more choices available.

The 5 Best Credit Cards With Lounge Access for Authorized Users

When traveling, complimentary lounge access for you and your family or other travel companions is a great perk.

There are times, however, when others may be traveling without you and would greatly benefit from complimentary lounge access. Adding an authorized user can allow them to enjoy the same travel benefits with the credit card, including complimentary lounge access.

These are some of the cards that grant lounge access for authorized users and a breakdown of the associated fees.

Credit CardLounge Access for Authorized UsersAnnual Authorized User Fee
The Platinum Card® from American Express
  • American Express Global Lounge Collection access to 1,400+ airport lounges
  • Annual fee of $695 (rates and fees)
$195 per authorized user (rates and fees)
Capital One Venture X Rewards Credit Card
  • Priority Pass, Capital One Lounge, and select Plaza Premium Lounge access
  • The best value card for authorized user lounge access
  • Annual fee of $395
$0 for up to 4 authorized users
Citi® / AAdvantage® Executive World Elite Mastercard® $175 per authorized user
Chase Sapphire Reserve®
  • Sapphire Lounge and Priority Pass access
  • Annual fee of $550
$75 per authorized user
Bottom Line:

While adding an authorized user can be a cost-effective way to secure lounge access and other card benefits, remember that with Chase, there could be 5/24 rule implications for the authorized users. Remember that you’re responsible for all charges made to the credit card, including those made by an authorized user.

Credit Cards With Discounted Lounge Access

Not all credit cards with a lounge access benefit offer it for free. Some include a basic lounge membership (normally worth about $99) and then discount the access fee. Your complimentary membership might be with Lounge Club, Priority Pass, or LoungeKey — all similar or related global lounge networks.

For example, the American Express® Green Card offers up to $100 in statement credits annually when you purchase airport lounge access through LoungeBuddy with the card. LoungeBuddy has partnerships with more than 400 lounges worldwide, and entrance fees range between $30 to $40 per visit, which should cover 2 to 3 lounge visits per year for Amex Green cardmembers.

The Amex Green card comes with a much more palatable $150 (rates and fees). Other benefits include the ability to earn 3x points at restaurants worldwide, on all eligible travel purchases, and transit purchases, and up to $189 per calendar year in statement credits toward a CLEAR Plus membership, which helps you expedite your way through airport security.

All information about the American Express® Green Card has been collected independently by Upgraded Points.

Bottom Line:

Discounted lounge access is not a stand-alone reason to select a credit card, but you may want to check if any of your current cards have this valuable benefit. You could be enjoying some of the most luxurious lounges in the world for just a relatively low entrance fee.

The Real Value of Airport Lounge Access

You don’t need a premium credit card to enjoy access to airport lounges, but you will need to secure a potentially pricey lounge membership or a day pass. And remember, not all lounges can be accessed with a card, such as PS LAX.

This breakdown of membership costs illustrates the approximate value of the complimentary lounge access you can receive with premium cards.

Lounge Network or ServiceSingle 1-Year Membership CostCost To Add a Spouse, Partner, or Guest to Membership
Single-day Pass for 1 Person
American Airlines Admirals ClubUp to $850$800 additional for household membership, depending on elite status$79
Centurion LoungeN/AN/A
$50 for guest
Delta Sky Club$545$300 additional for Executive Membership which includes access for up to 2 additional guests
$50 (for Delta SkyMiles® Platinum American Express Card holders until 12/31/23)
LoungeBuddyN/AN/A
$25 to $55 per visit
Lounge PassN/AN/A
$19 to $60 per visit
Plaza Premium LoungesN/AN/A
$35 to $65 for a 2- to 6-hour pass
Priority Pass Select$469N/A; annual membership covers only cardholder, additional guest $35 per visit
$35 per visit for cardholders with basic $99 annual standard membership
United Club$550 to $650, depending on elite status$650 additional for spouse or partner$59

If you’re a frequent traveler who purchases several single-lounge access passes per year or an annual lounge membership, you may fare better by selecting a premium credit card that includes complimentary lounge access.

The added value of credit card welcome bonus offers, additional travel perks, rewards, credits for travel purchases, and travel and purchase protections can make securing a premium travel credit card a wise economic decision.

Bottom Line:

While premium credit cards that include complimentary airport lounge access may come with high annual fees, these cards provide excellent value beyond what you’d receive with an annual lounge membership.

Final Thoughts

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

And while lounge access may be important, you’ll want to consider the whole package of benefits that come with each card, as lounge access will be just one of many valuable benefits available on a premium travel card.


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For the trip delay insurance benefit of the Amex Platinum card, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the cell phone protection benefit of the Amex Platinum card, coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per eligible card account per 12 month period. Eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding The Hilton Honors American Express Surpass® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 
The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the American Express® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees for the Delta SkyMiles® Reserve Business American Express Card, click here.
For rates and fees of The Hilton Honors American Express Business Card, click here.
For rates and fees of the Delta SkyMiles® Platinum American Express Card, click here.

Frequently Asked Questions

The best credit card for lounge access is the one that fits your travel priorities and budget. If you travel often with a specific airline, for example, you may consider that airline’s branded credit card. If you frequent airports with Priority Pass lounges, you may consider a different credit card entirely. If you’re looking for a card with a lower annual fee than the typical $450 fee for premium cards, your choices will be limited, but a few are available. Narrow your options to the cards that match your lounge access priorities and then review the entire card packages before applying. Many travelers like the Amex Platinum card (or the Amex Business Platinum card), as it gets you access to the largest number of airport lounges worldwide.

Priority Pass is a global lounge network that offers lounge access with different membership levels and price points. Priority Pass partners with credit card issuers who include complimentary membership for cardholders. Depending on your card’s membership, you may enjoy complimentary unlimited lounge access or have a limited number of complimentary passes annually, then $35 per visit, or pay $35 for every visit.

Most of the credit cards that offer complimentary lounge access have hefty annual fees. However, the Hilton Business Amex card has a lower annual $95 fee and comes with 10 complimentary passes to Priority Pass lounges worldwide, making it a very good economic choice for lounge access. If you want a personal credit card, the Hilton Surpass card offers 10 complimentary Priority Pass visits per year with a similar $95 annual fee.

Adding an authorized user to your credit card will not hurt your credit score because you’re still responsible for paying and managing the account. The authorized user is simply an additional user. With that said, if the authorized user makes a lot of purchases you don’t know about and you fail to make sufficient payments on your card or are late in making payments, your credit score will be affected. For this reason, you’d only want to add an authorized user you know and trust.

If your credit card comes with Priority Pass Select membership, you will need to register with Priority Pass to receive a digital membership card and subsequent physical card that will arrive in the mail. You can then use your Priority Pass Select membership card to gain access to Priority Pass lounges.

Airline-branded credit cards and other premium credit cards such as the Amex Platinum card allow you to use your credit card for lounge access. For others, you’ll need your Priority Pass Select card. You’ll need to reference your associated credit card agreement when you receive your card to determine which card to use for lounge access.

About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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