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The 7+ Best Credit Cards That Get You Priority Pass Lounge Access [2024]

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Whether you use the airport lounge for business or leisure travel, chances are you appreciate the value of having access to a lounge when traveling.

Fortunately, there are plenty of ways to secure airport lounge access and the related benefits of a Priority Pass membership without having to purchase one. The membership is complimentary with several premium travel rewards credit cards.

In this article, you will find all the information you need on the Priority Pass lounge network, the amenities and services the membership includes, and which credit cards are best for getting complimentary or discounted access.

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The 7 Best Cards That Offer Priority Pass Lounge Access

What Is Priority Pass?

Priority Pass has been around for over 30 years, providing a worldwide network of airport lounges.

The program’s founder watched as business class passengers enjoyed lounge access while he endured the “chaos of the departure hall.” He then created Priority Pass, a program that would offer airport lounge access, regardless of your class of travel or the airline you were flying.

The Priority Pass network has expanded to include dining facilities, spa experiences, retail offers, and access to Be Relax Spa and Minute Suites locations.

The Priority Pass worldwide network of lounges and associated properties spans nearly 150 countries, over 500 cities, and over 1,400 facilities. This dominant global footprint means you’re sure to find a lounge throughout your travels.

You can purchase a Priority Pass membership directly or receive a Priority Pass Select membership as a benefit on a travel rewards credit card.

The 7 Best Cards That Offer Priority Pass Lounge Access — Summary

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CardWelcome Bonus and Annual Fee
Priority Pass Lounge Access
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 & fees)
  • Access to 1,400+ worldwide lounges, including Amex Centurion Lounge, Priority Pass (upon enrollment), Delta Sky Club (when flying Delta), and more
  • Allows access for the cardholder plus up to 2 additional guests
Capital One Venture X Rewards Credit Card
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $395 (rates & fees)
  • Priority Pass lounge access, Capital One Lounge, and Plaza Premium Lounge
  • Allows access for the cardholder plus up to 2 additional guests
Chase Sapphire Reserve®
  • Earn 75,000 points after spending $4,000 on purchases in the first 3 months.
  • Annual fee of $550
  • Priority Pass lounge access and Chase Sapphire Lounge
  • Allows access for the cardholder plus up to 2 additional guests
  • Priority Pass restaurant credits
Marriott Bonvoy Brilliant® American Express® Card
  • Earn 95,000 points after spending $6,000 within the first 6 months.
  • Annual fee of $650 (rates & fees)
  • Priority Pass lounge access
  • Allows access for the cardholder plus up to 2 additional guests
The Business Platinum Card® from American Express
  • ELEVATED OFFER: Earn 150,000 points after spending $20,000 in eligible purchases within the first 3 months.
  • Annual fee of $695 (rates & fees)
  • Access to over 1,400 worldwide lounges, including Amex Centurion Lounge, Priority Pass (upon enrollment), and more
  • Allows access for the cardholder plus up to 2 additional guests
Capital One Venture X Business Card (Information collected independently. Not reviewed by Capital One.)
  • Earn 150,000 miles once you spend $30,000 in the first 3 months from account opening.
  • Annual fee of $395
  • Priority Pass lounge access, Capital One Lounge, and Plaza Premium Lounge
  • Allows access for the cardholder plus up to 2 additional guests
  • Priority Pass restaurant credits
The Hilton Honors American Express Business Card
  • Limited Time Offer: Earn 175,000 points after spending $8,000 in purchases in the first 6 months.
  • Annual fee of $195 (rates & fees)
  • Priority Pass lounge access
  • 10 free day passes annually, $27 each visit after that

The 4+ Best Personal Cards That Offer Priority Pass Lounge Access

Amex Platinum Card (Staff Favorite, Best for Worldwide Lounge Access)

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and 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 Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible 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 dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
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 eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, 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, and The Wall Street Journal. Enrollment required.
  • 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.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $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. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • 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 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), 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.
  • 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
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.)

When it comes to complimentary worldwide lounge access, the Amex Platinum card is king.

While the Amex Platinum card includes access to other lounges in the Amex Global Lounge Collection — such as the Centurion Lounges, Delta Sky ClubEscape Lounges – The Centurion Studio Partner, select Lufthansa Lounges, Plaza Premium Lounges, and select Virgin Clubhousesthe largest network available is by far Priority Pass.

One of the best features of the Amex Platinum card is that authorized users receive the same complimentary Priority Pass lounge membership as the primary cardholder. Authorized users cost $195 per card (rates & fees).

Authorized users can each bring an additional 2 guests into the lounge for no charge. Additional guests beyond that will have to pay at the Priority Pass Standard Program rate of $35 per person, per visit.

Note that Priority Pass memberships from U.S.-issued American Express cards no longer include restaurants (“non-lounge airport experiences”).

Capital One Venture X Card (Best for Priority Pass & Capital One Lounges, Authorized User Access)

Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and 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.

Learn More(at Capital One's secure site)
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
19.99% - 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.
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
Cons
  • $395 annual fee (rates & fees)
  • 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: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

 

A close contender behind the Amex Platinum card, the Capital One Venture X card offers the distinct benefit of providing both the primary cardholder and each authorized user a complimentary Priority Pass Select membership. Unlike the Amex Platinum card, you can add authorized users for no additional cost (rates & fees) — making this a very lucrative benefit for those who can use it.

In addition to Priority Pass lounges, the Capital One Venture X card includes access to Capital One Lounges and Plaza Premium Lounges.

Chase Sapphire Reserve Card (Best for Priority Pass Restaurants)

Chase Sapphire Reserve®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and 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.

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 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's worth $1,125 when redeemed through Chase Travel℠.
75,000 points
$1,500
$550
22.49%-29.49% 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.
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 total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
  • 10x points on Lyft purchases March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
Cons
  • $550 annual fee
  • Does not offer any sort of hotel elite status
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase TravelSM.
  • $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 TravelSM 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 TravelSM. For example, 75,000 points are worth $1125 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 PassTM 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
  • APR: 22.49%-29.49% Variable
  • Foreign Transaction Fees: $0
Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card is a premium travel rewards card offering plenty of travel benefits, including travel statement credits, elevated earnings on travel purchases, and complimentary lounge access to Priority Pass lounges. The card also has access to Chase Sapphire Lounge by The Club and the Chase Sapphire Terrace.

Just like the Amex Platinum card, authorized users receive the same Priority Pass Select membership as primary cardholders. This includes unlimited access plus 2 additional guests at no charge. Additional guests are then charged at the discounted rate of $27 per person, per visit.

It costs $75 for each authorized user you add to your Chase Sapphire Reserve card, but that can be a good value for unlimited Priority Pass lounge access and the ability to bring 2 guests.

Chase Sapphire Reserve cardholders also have access to Priority Pass restaurant credits. These allow cardholders to dine at participating airport restaurants with a $28 dining credit for themselves and a guest — that’s $56 in credits towards eligible expenses on your check!

Hot Tip: Adding an authorized user to the Amex Platinum card or Chase Sapphire Reserve card can give the additional cardholder unlimited Priority Pass Select membership, which includes the option to bring 2 additional guests. 

Marriott Bonvoy Brilliant Card (Best for Lounge Access & Mid-Tier Hotel Elite Status)

Marriott Bonvoy Brilliant® American Express® CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and 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 premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.
Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
95,000 bonus points
$665
$650
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 Marriott Bonvoy Brilliant® American Express® Card is a premium card designed with road warriors and Marriott Bonvoy loyalists in mind.

So is the card a worthwhile addition to your wallet?

Pros
  • 6x points per $1 at hotels participating in Marriott Bonvoy program
  • 3x points per $1 on flights booked directly with airlines and restaurants worldwide
  • 2x points per $1 on all other purchases
Cons
  • Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
  • $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
  • With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
  • Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
  • Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
  • $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
  • Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
  • Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
  • No Foreign Transaction Fees on international purchases.
  • With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • $650 Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Marriott Bonvoy

With complimentary elite status, and a free hotel night each card anniversary, the Marriott loyalist will enjoy all of the perks of the premium Marriott Bonvoy Brilliant card.

In addition, the primary cardholder receives complimentary Priority Pass Select membership that provides unlimited access to Priority Pass lounges. The primary cardholder can also bring 2 additional guests.

According to the terms and conditions on the card, any additional guests above the 2 complimentary guests are charged at the standard Priority Pass membership rate, which would be $35 per person, per visit.

Authorized users do not receive Priority Pass Select membership.

Note that Priority Pass memberships from U.S.-issued American Express cards no longer include restaurants (“non-lounge airport experiences”).

Additional Personal Credit Cards

Lesser-known cards like the Mastercard® Black Card™ and Mastercard® Gold Card™ also offer complimentary Priority Pass Select membership, which includes unlimited access for the primary cardholder, guests, and authorized users.

In addition, although not open to new applicants, the Ritz-Carlton Rewards® Card comes with unlimited access to Priority Pass lounges for the primary cardholder, who can also bring unlimited guests. The Citi Prestige® Card is also closed to new applicants but allows access for the cardholder plus immediate family or 2 additional guests.

And lastly, you could consider the U.S. Bank Altitude™ Reserve Visa Infinite® Card, which comes with complimentary Priority Pass Select membership with 4 free visits per membership year for the cardholder plus 4 guest visits. 

The 3 Best Business Cards That Offer Priority Pass Access

Amex Business Platinum Card (Best Business Card for Worldwide Lounge Access)

150K OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and 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)
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 points
$3,300
$695
19.49% - 28.49% 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 150,000 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
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • 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)
Cons
  • High annual fee of $695 (rates & fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the 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 statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
  • $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 the 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 the 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% - 28.49% Variable
  • Foreign Transaction Fees: None
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 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Platinum card comes with the same access to the Amex Global Lounge Collection as the personal version of the card, including Priority Pass lounge access upon enrollment. Like the personal version, the Amex Business Platinum card offers unlimited access for the primary cardholder and any authorized users.

The Amex Business Platinum card allows access to 2 additional guests for both primary cardholders and authorized users. Additional guests beyond 2, according to the terms and conditions on the card, will be charged at the Priority Pass Standard Program rate of $35 per person, per visit.

Authorized users on the Amex Business Platinum card can be added for $350 each (rates & fees).

Note that Priority Pass memberships from U.S.-issued American Express cards no longer include restaurants (“non-lounge airport experiences”).

Capital One Venture X Business Card (Best Business Card for Priority Pass Restaurants)

Capital One Venture X Business Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and 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 Business card offers at least 2x miles on all purchases, and comes packed with premium perks.

The Capital One Venture X Business card offers at least 2x miles on all purchases, and comes packed with premium perks.
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
150,000 miles
$2,700
$395
All charges made on this account are due and payable in full when you receive your periodic statement. The minimum payment due is the New Balance as indicated on your statement.

The information regarding the Capital One Venture X Business card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.


The Capital One Venture X Business card is a great all-around premium rewards card that helps you rack up miles on all of your business expenses.

From 2x miles on all purchases, airport lounge access, an annual travel credit, complimentary employee cards, and more, there is plenty to love about the Capital One Venture X Business card.

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
Cons
  • $395 annual fee (rates and fees)
  • 10x and 5x bonus categories are limited to Capital One Travel bookings
  • Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
  • This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
  • Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
  • Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
  • Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, where you’ll get the best prices on thousands of options
  • Every year, you’ll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
  • Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
  • Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry. Then enjoy unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass™ and Plaza Premium Group lounges
  • This is a pay-in-full card, so your balance is due in full every month
  • Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit and other premium benefits on every booking
Financial Snapshot
  • APR: All charges made on this account are due and payable in full when you receive your periodic statement. The minimum payment due is the New Balance as indicated on your statement.
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

As with the personal version of the card, the Capital One Venture X Business card offers access to Priority Pass lounges, Capital One Lounge, and Plaza Premium Lounges.

While the card doesn’t offer access to as many lounges as the Amex Business Platinum card, it partly makes up for that by offering access to the Priority Pass restaurants, where cardholders can get complimentary credit for $28 worth of food (or $56 worth if they bring a companion).

The Capital One Venture X Business card allows you to bring 2 additional guests into eligible airport lounges free of charge.

One important difference to note between the Capital One Venture X Business card and the personal version of the card is while you can still add employee cards for no additional charge, they do not get their own Priority Pass access like those with the personal card do.

Hilton Business Amex Card (Best Business Card for Limited Lounge Day Passes)

LIMITED TIME OFFER
The Hilton Honors American Express Business CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and 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)
An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.
Limited Time Offer: Earn 175,000 bonus points after you spend $8,000 in purchases in the first 6 months of Card Membership. Offer Ends 6/5.
175,000 points
$875
$195
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 and travel protections.

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 eligible Hilton purchases
  • Enhanced: 5x points on other purchases made for the first $100,000 in purchases each calendar year, 3X points thereafter.
  • Automatic Hilton Honors Gold status, and the ability to spend your way to Diamond status
Cons
  • Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5.
  • Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
  • ENHANCED: Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
  • NEW: Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
  • Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
  • You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
  • NEW: Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
  • Terms apply.
Financial Snapshot
  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Hilton Honors loyalty program

The Hilton Business Amex card has stellar earning potential with a moderate $195 annual fee (rates & fees). The card earns generously on Hilton purchases and a long list of business expenses and also comes with a welcome bonus and Hilton Honors Gold status.

Plus, you’ll receive 10 complimentary Priority Pass lounge visit passes each Priority Pass Select membership year. These passes can be used for friends and family as well. Once you use your 10 passes, you will be charged the standard Priority Pass rate of $35 per person, per visit.

Note that Priority Pass memberships from U.S.-issued American Express cards no longer include restaurants (“non-lounge airport experiences”).

Bottom Line: Very few business cards come with complimentary lounge access. There are far more lounge access benefit options with personal cards. 

The Benefits of a Priority Pass Membership

With a Priority Pass Select membership, you can expect the following benefits:

  • Access to over 1,400 airport lounges worldwide
  • Complimentary beverages, snacks, and hot food (where available)
  • Free Wi-Fi
  • Showers and conference rooms (where available)
  • Restaurant dining at specific airports — eligible cardholders receive a credit of $28 to $30 credit per person; limits apply depending on the card and/or restaurant
  • Minute Suite access — 1 hour free, discounted rate after that
  • Be Relax Spas — eligible cardholders can take advantage of various spa services
  • Access to other facilities specific to individual airports (for example, Sleep’n Fly at DXB)
  • Avis Preferred benefits
  • Access to over 800 dining, shopping, and spa discounts
  • Comfortable seating and quiet spaces
  • Newspapers and magazines
  • Power outlets and USB ports

Additional locations and services are constantly being added. When you initiate a search for a lounge, all of the available facilities, including restaurants and sleeping options, will be listed.

Bottom Line: Priority Pass Select includes more than just lounge access. You can find a place to take a nap, dine at a restaurant with your traveling companion, or catch a quick shower. While facilities vary by airport, with over 1,400 locations and growing, you’ll find Priority Pass locations widely available during your travels. Check out our guides to the best Priority Pass lounges in the U.S. and the best Priority Pass lounges worldwide.

The Value of Complimentary Priority Pass Lounge Access

To get an idea of how much the complimentary lounge access on a travel rewards credit card is worth, here is a look at what it costs for a Priority Pass membership and what it offers.

There are 3 levels of membership you can purchase directly from Priority Pass. One key factor to notice is that even if you buy the Prestige level membership, you must pay extra for any guests to have access.

With Priority Pass Select (the level of membership you receive on a travel rewards credit card), you can bring 2 additional guests into the lounge with you for no extra charge.

Since a single Prestige level membership costs $469 (before any available discount) a year when purchased from Priority Pass, the complimentary membership that comes with your credit card and allows 2 guests can be worth much more.

Hot Tip: The complimentary Priority Pass membership that comes with a travel rewards credit card can be worth more than a purchased membership as the complimentary membership can allow up to 2 additional guests for no charge. Paid membership charges $35 per guest per visit. 

How To Use Your Priority Pass Membership

Activating Your Membership

The complimentary Priority Pass membership that comes with your credit card is not activated automatically, so you will need to register for membership.

Log into your online credit card account, and under Card Benefits, you’ll see the Priority Pass option. Once you’ve registered, you’ll clearly see your membership’s confirmation and terms.

Once you’ve activated your membership, a membership card will be sent to you in the mail, and you’ll receive your card within 10 to 14 days. You will also likely have a digital card for immediate use.

With the exception of the Capital One Venture X card, you cannot use your credit card to access a Priority Pass lounge. You must use either the physical Priority Pass membership card or a digital version of the card from the Priority Pass mobile app.

Download the App

The Priority Pass mobile app can be very helpful for locating lounges and accessing your digital membership card.

Having the app on your smartphone allows you to do all of the following:

  • Locate Priority Pass lounges worldwide
  • Access your digital membership card
  • Access more than 800 dining, spa, and shopping discounts
  • Access major airport maps
  • Track your visit history
  • Save your favorite lounges for future visits
  • Find nearby lounges based on your current location

Not all credit cards have access to digital membership cards, and not all Priority Pass lounges accept digital membership cards, but most do.

Final Thoughts

Having a Priority Pass Select membership can be a real luxury when traveling. Having that membership provided complimentary with a credit card is even better.

Usually, you wouldn’t select a credit card based on just 1 benefit. However, with the addition of dining establishments, Minute Suites and Be Relax Spa access, and over 1,400 locations worldwide, Priority Pass Select membership is a benefit that makes securing a card that has it very compelling.

The value of complimentary Priority Pass Select membership is clear. Lounge access alone can cost hundreds of dollars per year. If you use the complimentary access and consume a couple of free meals per year at Priority Pass program restaurants, you’ve received more than enough value to offset any annual fee. Plus, credit cards with Priority Pass Select membership typically offer other benefits that add even more value.


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 Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Mastercard® Black Card™ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Mastercard® Gold Card™ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding The Ritz-Carlton™ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information for the Citi Prestige® Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Venture X Business 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 Marriott Bonvoy Brilliant® American Express® card, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of The Hilton Honors American Express Business Card, click here.

Frequently Asked Questions

What is the best credit card for Priority Pass lounge access?

The best credit card for Priority Pass lounge access is the card that has other benefits you will use, has an annual fee you’re comfortable paying, and spending categories that match your expenses.

If you travel frequently and enjoy luxury travel perks, the Amex Platinum card offers the broadest lounge access with its Amex Global Lounge Collection network.

If you travel occasionally but lounge access is important, you may select a card with a lower annual fee and just 10 free annual passes such as the Hilton Surpass card.

If you travel frequently with family, you may select a card such as the Capital One Venture X card that allows lounge access for your authorized users, which could cover your entire immediate family.

Is there a credit card with no annual fee that has lounge access?

While there isn’t a fee-free credit card that comes with complimentary airport lounge access, the Hilton Surpass card comes close with a lower annual fee and you receive 10 Priority Pass lounge passes per membership year. Plus, the card comes with several other valuable benefits.

What is the difference between Priority Pass and Priority Pass Select?

Priority Pass is the name of the lounge membership program. The program is owned by the Collinson Group of companies. Priority Pass Select is the lounge membership product that comes with travel rewards credit cards.

To illustrate, you can purchase a Priority Pass membership directly from the Priority Pass program. You receive a complimentary Priority Pass Select membership with your credit card.

The term “Priority Pass Select” simply differentiates the card-provided membership from the paid “Priority Pass” membership.

How much do guests cost?

Most credit cards that offer the Priority Pass Select membership allow 2 additional guests at no cost.

Some cards have written in their terms and conditions that starting with the third guest, the charge is based on the Standard Priority Plan rate, which is currently $35 per person, per visit.

Other cards have a discounted rate of $27 per person, per visit for the third guest and beyond.

A few cards offer unlimited guests at no additional charge.

When you register for Priority Pass membership with your card, the number of guests you can bring and the amount you will be charged for guests will be fully disclosed.

You can also review the Priority Pass membership details in the information displayed before you select a card or check the terms and conditions in your card benefits guide when you receive your card.

Are drinks free with Priority Pass?

Alcoholic and non-alcoholic drinks are provided at no charge in Priority Pass lounges.

Additionally, eligible cardholders that dine at a Priority Pass designated restaurant can receive a credit for food and drink by showing their membership card, up to $30 per person.

Can I use my credit card to access a Priority Pass lounge?

With the exception of the Capital One Venture X card, you cannot use your credit card to access a Priority Pass lounge. You must present your physical Priority Pass Select membership card or your digital membership card, which can be found on the Priority Pass app. You will also need to present your boarding pass and ID.

Not all credit cards offer the digital form of the membership card. The majority of lounges accept digital membership cards, but some do not.

Christine Krzyszton's image

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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