Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

The Best Credit Cards for Airport Lounge Access [2024]

Christine Krzyszton's image
Christine Krzyszton
Christine Krzyszton's image

Christine Krzyszton

Senior Finance Contributor

311 Published Articles

Countries Visited: 98U.S. States Visited: 45

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...
Edited by: Keri Stooksbury
Keri Stooksbury's image

Keri Stooksbury

Editor-in-Chief

35 Published Articles 3236 Edited Articles

Countries Visited: 47U.S. States Visited: 28

With years of experience in corporate marketing and as the executive director of the American Chamber of Commerce in Qatar, Keri is now editor-in-chief at UP, overseeing daily content operations and r...
& Stella Shon
Stella Shon's image

Stella Shon

News Managing Editor

94 Published Articles 672 Edited Articles

Countries Visited: 25U.S. States Visited: 22

With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Upgraded Points: Expertise You Can Trust

Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.

  • Content by Leading Industry Experts
  • Routine Updates and Fact-Checks
  • First-Hand Credit Card Experience
  • Shared Across 200+ Top Outlets
  • Methodical “U.P. Rating” System
  • 1038+ Expert Credit Card Guides

If you’re a frequent traveler, consider a premium credit card that offers complimentary airport lounge access. Beyond the lounge access you’d get with these cards, you’d receive a whole range 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 invest in day passes until you’ve reviewed our roundup of credit cards to consider for complimentary lounge access. These cards may also provide this perk to authorized users, which can mean discounted or complimentary lounge access for those traveling with you.

Here are our recommendations for the best lounge access cards and our breakdown of the potential value of a lounge access benefit.

Hide SummaryShow Summary

The 10 Best Cards for Airport Lounge Access

*(Information collected independently. Not reviewed by Capital One.)

How To Choose the Best Airport Lounge Access Credit Card

The easiest way to choose the best lounge access credit card for you is to consider what airport lounges you want access to.

For instance, if the only lounge at your local airport is an American Airlines Admirals Club and you regularly fly with American Airlines, then a card that offers access to AA Admirals Clubs is likely to be more useful to you than cards that don’t, even if those cards have access to a larger number of lounges.

If you have multiple lounges at your airport and aren’t committed to a specific lounge network, then a card that has access to the largest number of lounges might be better for you.

The 6 Best Personal Cards for Complimentary Lounge Access

Personal consumer credit cards are the go-to cards for complimentary lounge access, as they tend to have a more comprehensive selection than business credit cards do.

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. Because everyone’s situations and preferences are unique, you have to do the research to see if a card is suitable for your particular circumstances and not just a perfect fit from a lounge access perspective.

Best Credit Cards for Airport Lounge Access

SCROLL FOR MORE
Personal CardWelcome Offer and Annual FeeLounge Access and Guest Access Info
The Platinum Card® from American Express
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 over 1,400 airport lounges through the Amex Global Lounge Collection, including Centurion Lounges, Delta Sky Clubs (when flying same-day on Delta), Plaza Premium Lounges, Priority Pass lounges (upon enrollment), and more
  • Guest access varies by lounge network
Capital One Venture X Rewards Credit Card
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)
  • 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 (rates & fees)
Chase Sapphire Reserve®
Chase Sapphire Reserve®
  • Earn 75,000 points after spending $4,000 on purchases in the first 3 months.
  • Annual fee of $550
  • Access to Priority Pass lounges (including experiences such as restaurants), Chase Sapphire Lounge by The Club, and Chase Sapphire Terrace
  • Access for the cardholder and authorized users plus up to 2 additional guests each
United Club℠ Infinite Card
United Club℠ Infinite Card
  • Earn 80,000 bonus miles after spending $5,000 on purchases in the first 3 months.
  • Annual fee of $525
  • United Club and select partner Star Alliance Lounges
  • Allows access for primary cardholder plus 1 adult and dependent children under 21, or up to 2 guests
Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve American Express Card
  • Earn 60,000 miles after you spend $5,000 in purchases in the first 6 months.
  • Annual fee of $650 (rates & fees)
  • Centurion Lounge and Escape Lounge access when your Delta flight is booked with your card
  • Access Delta Sky Clubs when traveling on a same-day Delta ticket (primary cardholder and authorized users); bring up to 2 adult guests or immediate family for $50 per person*
  • 2 one-time Delta Sky Club Guest Passes every year*
American Express® Green Card
American Express® Green Card
  • Earn 40,000 points after spending $3,000 within the first 6 months.
  • Annual fee of $150
$100 in statement credits annually when you purchase airport lounge access through LoungeBuddy with the card

*Effective 2/1/25, Reserve cardmembers receive 15 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.

Amex Platinum Card (Best for Worldwide Lounge Access and Premium Benefits)

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

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

Cardholders have access to over 1,400 airport lounges worldwide within the American Express Global Lounge Collection:

The Amex Platinum card offers many benefits that add value. You can get annual and monthly statement credits (enrollment required) for services and merchants such as Uber Cash, CLEAR Plus, and Saks Fifth Avenue. Plus, you receive complimentary Marriott Bonvoy Gold Elite and Hilton Honors Gold elite status (enrollment required) and important travel insurance and purchase protections, including trip delay insurance and cell phone protection.

Capital One Venture X Card (Best for Priority Pass and Capital One Lounges)

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.

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

 

The Capital One Venture X card is a standout option because it not only offers Priority Pass and Capital One Lounge access for you and up to 4 complimentary authorized-user cards, it also earns 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles 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 Rewards President’s Circle status, and more.

Chase Sapphire Reserve Card (Best for Priority Pass Lounges and 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 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 gives you 10x points on car rentals, hotels, and dining booked through Chase Travel, 5x points on airfare booked through Chase Travel, 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 redemptions 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 have access to experiences besides lounges at airports, including credits at restaurants and services at Be Relax Spa.

United Club Infinite Card (Best for United Club)

United Club℠ Infinite 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.

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

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.
Earn 80,000 bonus miles
$960
$525
21.99% - 28.99% 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 (740-850)

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
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 10,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)
  • Member FDIC
Financial Snapshot
  • APR: 21.99% - 28.99% Variable
  • Foreign Transaction Fees: None

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 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 also receive expanded award availability on United flights; a 10% discount on United Economy Saver awards within the continental U.S. and Canada; a credit for Global Entry, TSA PreCheck, or NEXUS; complimentary IHG One Rewards Platinum Elite status and a $75 annual IHG credit; and the ability to earn additionally Premier Qualifying Points toward your next level of United status.

Delta Reserve Card (Best for Delta Sky Club, Centurion Lounge, and Escape Lounge)

Delta SkyMiles® Reserve 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.

Delta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.

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.

Delta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.
Earn 60,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months of Card Membership.
60,000 Bonus Miles
$720
$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 Delta SkyMiles® Reserve American Express Card is a stellar option for frequent travelers who always fly with Delta thanks to its MQD Headstart towards status boost, lounge access, annual companion certificate, and many other great benefits.

Here is a full look at everything the Delta Reserve card can offer to you to help you decide whether the card deserves a place in your wallet.

Pros
  • 3x SkyMiles per $1 on Delta purchases
  • 1x SkyMile per $1 on all other eligible purchases
  • Card Members get 15% off when using miles to book Award Travel on Delta flights.
Cons
  • $650 annual fee (rates & fees)
  • No bonus categories other than Delta purchases
  • Earn 60,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Reserve your piece of history with the new limited edition Boeing 747 Delta SkyMiles® Reserve American Express Card design.
  • Enjoy complimentary access to the Delta Sky Club® and bring up to two guests or immediate family members at a rate of $50 per person per visit when flying Delta. Effective 2/1/25, Reserve Card Members will receive 15 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.
  • Receive four Delta Sky Club® One-Time Guest Passes each year when you fly together on Delta. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
  • Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • $240 Resy Credit: With the Delta SkyMiles® Reserve American Express Card Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • $120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Reserve American Express Card. Enrollment Required.
  • Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
  • Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
  • No Foreign Transaction Fees.
  • $650 Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Delta SkyMiles Airline Loyalty Program

Delta Air Lines loyalists who have the Delta Reserve card can access 3 lounge networks: Centurion Lounge and Escape Lounges — The Centurion Studio Partner when their Delta flights are booked with their card, and Delta Sky Club when traveling on a same-day Delta ticket.

Cardholders also receive elevated earnings on Delta purchases, a free checked bag, priority boarding on Delta flights for themselves and up to 8 travel companions, a 20% statement credit on select inflight purchases, and priority upgrades. They also receive an annual companion certificate valid for a round-trip domestic, Caribbean, or Central American first class, Comfort+, or Main Cabin ticket when another Delta ticket is purchased (taxes and fees apply).

In addition, if you use your card to pay your Global Entry or TSA PreCheck application or renewal fee, you receive a statement credit of up to $100.

Hot Tip:

Effective February 1, 2025, Delta Reserve cardmembers will receive 15 visits per year to Delta Sky Clubs. To earn an unlimited number of visits each year starting on February 1, 2025, the total eligible purchases on the card must equal $75,000 or more between January 1, 2024, and December 31, 2024, and each calendar year thereafter.

Amex Green Card (Best for LoungeBuddy Access)

American Express® Green 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.

This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.

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

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.

This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.
Earn 40,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on your American Express® Green Card within the first 6 months of Card Membership.
40,000 points
$880
$150
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)

The American Express® Green Card is an excellent all-around travel rewards card thanks to earning 3x Membership Rewards® points on eligible travel and transit purchases and at restaurants, access to American Express transfer partners, and a reasonable annual fee.

Pros
  • 3x points per $1 spent at restaurants worldwide, on all eligible travel purchases, and transit purchases
  • Up to $189 per calendar year in statement credits after you pay for a CLEAR® Plus membership with the Card.
  • Up to $100 in statement credits annually when you purchase airport lounge access through LoungeBuddy with the Card.
Cons
  • $150 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 40,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on your American Express® Green Card within the first 6 months of Card Membership.
  • Earn 3X Membership Rewards® points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals.
  • Earn 3X Membership Rewards® Points on transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
  • Earn 3X Membership Rewards® points on eligible purchases at restaurants worldwide, including takeout and delivery in the US.
  • $189 CLEAR Plus Credit: Receive up to $189 per calendar year in statement credits when you pay for your CLEAR Plus membership (subject to auto-renewal) with the American Express® Green Card.
  • $100 LoungeBuddy: No airport lounge membership? No problem! Purchase lounge access through the LoungeBuddy app using the American Express® Green Card and receive up to $100 in statement credits annually.
  • Payment Flexibility: When it comes to paying your bill, you have options. You can always pay in full. You also have the flexibility to carry a balance with interest or use Plan It® to split up large purchases into monthly payments with a fixed fee, up to your Pay Over Time Limit. You may be able to keep spending beyond your limit – you’ll just need to pay for any new purchases in full when your bill is due.
  • Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per eligible account per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • No Foreign Transaction Fees: No matter where you’re traveling, when you use your American Express® Green Card there are no foreign transaction fees.
  • $150 annual fee.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

The Amex 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 means the Amex Green card statement credit should cover 2 to 3 lounge visits per year.

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

Read our guide for more information on the best credit cards with priority pass lounge access.

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

Bottom Line:

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

The 4 Best Business Cards for Complimentary Lounge Access

There are significantly fewer business cards that offer airport lounge access, but there are still a few compelling ones. For any business owner looking for a great card that also provides lounge access, here are our top picks:

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 or are late to make sufficient payments, your credit score will be affected. For this reason, you should only add authorized users you know and trust.

SCROLL FOR MORE
Business CardWelcome Offer and Annual FeeLounge Access and Guest Access Info
The Business Platinum Card® from American Express
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 airport lounges through the Amex Global Lounge Collection, including Centurion Lounges, Delta Sky Clubs (when flying same-day Delta), Plaza Premium Lounges, Priority Pass lounges (upon enrollment), and more
  • Guest access varies by lounge network
Capital One Venture X Business Card
Capital One Venture X Business Card
  • Earn 150,000 miles once you spend $30,000 in the first 3 months from account opening.
  • Annual fee of $395

Access to Priority Pass lounges, Priority Pass lounge-alternative properties, Capital One Lounges, and select Plaza Premium Lounges for the primary cardholder plus up to 2 additional guests

Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles® Reserve Business American Express Card
  • Earn 75,000 miles after spending $10,000 in purchases in the first 6 months.
  • Annual fee of $650 (rates & fees)
  • Centurion Lounge and Escape Lounge access when your Delta flight is booked with your card
  • Access Delta Sky Clubs when traveling on a same-day Delta ticket (primary cardholder and authorized users); bring up to 2 adult guests or immediate family for $50 per person 
  • 2 one-time Delta Sky Club Guest Passes every year
The Hilton Honors American Express Business Card
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)

10 complimentary visits to Priority Pass lounges (upon enrollment), $35 for each visit after that

Amex Business Platinum Card (Best Business Card for Worldwide Lounge Access and Premium Benefits)

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 is for you if you’re a business owner looking for a rewards card loaded with great benefits. This is our top business card for getting into airport 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 Bonvoy and Hilton Honors (upon enrollment), a 35% airline bonus when using Pay With Points (up to 1 million bonus points per calendar year), and more.

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

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

With a $300 annual Capital One Travel credit and, usually, a generous welcome offer, the Capital One Venture X Business card can provide good value for a business owner.

The card simplifies earning rewards, with at least 2x miles for every purchase your business makes and elevated earnings on travel purchased via Capital One Travel.

You must enroll separately and in advance for Priority Pass lounge and lounge-alternative access.

Delta Reserve Business Card (Best Business Card for Delta Sky Club, Centurion Lounge, and Escape Lounge)

Delta SkyMiles® Reserve Business 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.

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)
Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.
Welcome Offer: Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
75,000 Bonus Miles
$900
$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 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
  • 3x miles per dollar on Delta purchases
  • 1.5x miles per dollar on eligible transit, U.S. shipping and office supply stores, plus all eligible purchases after you spend $150,000 in a year
  • Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
Cons
  • High annual fee
  • Does not earn many miles for purchases outside of Delta spend
  • Welcome Offer: Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Reserve your piece of history with the new limited edition Boeing 747 Delta SkyMiles® Reserve Business American Express Card design.
  • Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 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.
  • Earn 3 miles per dollar on eligible Delta purchases.
  • Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
  • Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
  • Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $60 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $240 per round-trip flight.
  • When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
  • Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Elevate your travel experience with an annual statement credit of up to $250  after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Pay no foreign transaction fees when you travel overseas.
  • Terms and limitations apply.
Financial Snapshot
  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Delta SkyMiles Frequent Flyer Program

For business owners who 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 flying the same day on Delta (on trips booked with the card), you also receive 15% off Delta award tickets, an annual companion certificate, complimentary upgrades (if available), complimentary checked bags, and more.

Starting February 2025, Delta Reserve cardmembers will receive 15 visits per year to Delta Sky Clubs. If they have $75,000 or more in eligible purchases in 2024, they get unlimited visits for the year, starting February 2025. The unlimited-visit rules are expected to continue the same way each year thereafter.

Hilton Business Amex Card (Best Business Card for Priority Pass 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

Lastly, the Hilton Business Amex card is worth a look for any traveling business owner who frequents Hilton hotels. Holding it enhances your Hilton stays with complimentary Hilton Honors Gold elite status (upon enrollment), 12x points on Hilton stays, and a Free Night Reward after you spend $15,000 on the card in a calendar year. You also get 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 these tend to have more lounge benefits.

The 4 Best Cards With Lounge Access for Authorized Users

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

There are times, however, when others traveling without you would greatly benefit from complimentary lounge access. Adding an authorized user can give them 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, along with a breakdown of the associated fees.

SCROLL FOR MORE
CardLounge Access for Authorized Users and Annual FeeAnnual Authorized-User Fee
The Platinum Card® from American Express
  • American Express Global Lounge Collection access to over 1,400 airport lounges
  • Annual fee of $695 
$195 per authorized user (rates & 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 (rates & fees)

No annual fee charge for up to 4 authorized users (rates & fees)

Citi® / AAdvantage® Executive World Elite Mastercard® $175 per authorized user
Chase Sapphire Reserve®
  • Sapphire Lounge by The Club and Priority Pass access
  • Annual fee of $550
$75 per authorized user
Bottom Line:

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

The Real Value of Airport Lounge Access

You don’t need a premium credit card to enjoy access to airport lounges, but without one you 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.

SCROLL FOR MORE
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 $850Up to $800 more for household membership, depending on elite status$79
Centurion LoungeN/AN/A
$50 for guest
Delta Sky Club$695$800 additional for Executive Membership, which includes up to 2 additional guestsNot available
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 guests cost $35 per visit
$35 per visit for cardholders with basic $99 annual standard membership
United Club$550 to $650, depending on elite status2 guests are allowed with United Club membership; spouses, partners, and family members cannot be added to membership$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 financial 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.

How To Get Airport Lounge Access

Usually, the way to receive airport lounge access is by purchasing an annual membership or a day pass during each visit.

But the easiest way to receive airport lounge access is by holding a credit card that gives you complimentary access as a benefit of holding the card. This way, as long as your account remains open, you can access the eligible lounges connected to your card each time you travel.

Airport Lounge Types

For the most part, there are 4 types of airport lounges: standard airline lounges, business and first class lounges, credit card lounges, and lounge networks.

Standard airline lounges are tied to the specific airline you are flying with. To access these lounges, you need to hold an eligible airline co-branded card that includes lounge access and you must be flying with that airline (or one of its partners) on the same day. Examples of these lounges include American Admirals Clubs, Delta Sky Clubs, and United Clubs.

Business and first class lounges, while still tied to specific airlines, are only accessible by passengers flying business class or first class with the airline or its partners, regardless of what card you hold. Examples include American Airlines Flagship lounges and United Polaris lounges.

Credit card lounges are airport lounges offered directly by credit card issuers to entice customers to sign up for their most premium credit card offerings. This includes Amex Centurion Lounges, which are accessible to those with the Amex Platinum card or Amex Business Platinum card; Capital One Lounges, which are accessible to those with the Capital One Venture X card; and Chase Sapphire Lounges, which are accessible to those with the Chase Sapphire Reserve card.

Lastly, lounge networks like Priority Pass and Plaza Premium offer access to a large number of lounges under their umbrella, and there are many different credit cards that you might be able to use to access these lounges.

Are Credit Cards for Lounge Access Worth It?

If you travel often enough to take advantage of airport lounges at least a handful of times per year, and if the card you hold allows you to bring traveling companions into the lounge as well, then yes, getting a card with airport lounge access could be worth it.

Additionally, airport lounge access isn’t the only benefit that these cards offer. You may receive perks such as annual statement credits, elite status or the ability to fast-track your elite status, and travel protections.

Should I Have Multiple Cards With Lounge Access?

That depends on your travel habits. If both credit cards significantly overlap in the lounges that they provide access to, then there would be little benefit in holding both cards if the motive for doing so is lounge access.

On the other hand, if you primarily fly with United and regularly visit United Clubs, but also want to have access to Priority Pass lounges, Amex Centurion lounges, etc., then it could be useful to hold both the United Club Infinite card and the Amex Platinum card.

How Long Can I Stay in an Airport Lounge?

Depending on the lounge and how crowded it gets, there could be restrictions that limit you from entering the lounge until 3 hours before your flight departs.

Once you are in the airport lounge, though, there usually is no limit to how long you can stay. For instance, if you enter a lounge 3 hours before your scheduled departure time and then your flight is delayed by 2 hours, you’ll still be allowed to remain in the lounge for that additional time if you’d like.

How Many Times Can You Access an Airport Lounge With a Credit Card?

While this can change depending on the credit card and the lounge that you’re visiting, for most airport lounge credit cards, there is no limit to the number of times you can access airport lounges with your credit card. This is also the case regardless of how frequently you fly or how many layovers you have in a day.

Notably, Delta and American Express have introduced access limitations for Amex Platinum card and Delta Reserve cardholders entering Delta Sky Clubs. These limitations will go into effect in 2025.

What Is Included for Free With Airport Lounge Access?

The exact offerings of an airport lounge can vary significantly from lounge to lounge, but for the most part, you can expect free food and drinks including alcohol, comfortable seats to relax in before your flight, outlets to charge your devices, restrooms, and dedicated Wi-Fi.

More premium lounges might also offer made-to-order food, business centers, fitness areas, spa services, showers, and more.

Final Thoughts

Lounge access is one of the most valuable perks you can get in travel, so securing this benefit with a credit card makes sense for serious travelers. Plus, if you’re spending money on lounge access membership elsewhere, a premium credit card that includes this perk is an easy way to cut down on costs.

And while lounge access may be important, it’s just one of many valuable benefits available with a premium travel card. You should consider the whole package of benefits that come with each card.


Like this post? Pin it on Pinterest!

The Best Credit Cards for Lounge Access

For the trip delay insurance benefit of The Platinum Card® from American Express, 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 Platinum Card® from American Express, 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 purchase protection benefit of The Platinum Card® from American Express,, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms 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 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 American Express® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Citi®/AAdvantage® Executive World Elite Mastercard® 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 Delta SkyMiles® Reserve American Express Card, 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.

Frequently Asked Questions

Which is the best credit card for lounge access?

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, consider that airline’s branded credit card. If you frequent airports with Priority Pass lounges, you may want to 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 thoroughly review the 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.

How does Priority Pass work?

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 that 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 each visit.

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

Most of the credit cards that offer complimentary lounge access have hefty annual fees. However, the Hilton Business Amex card has a lower annual $195 fee and comes with 10 complimentary passes to Priority Pass lounges worldwide, making it an economical choice for lounge access.

Does adding an authorized user to my card hurt my credit score?

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 or are late to make sufficient payments, your credit score will be affected. For this reason, you should only add authorized users you know and trust.

Do I use my credit card for lounge access?

If your credit card comes with Priority Pass Select membership, you need to register with Priority Pass to receive a digital membership card and subsequent physical card that arrives 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 need your Priority Pass Select card. You should reference your associated credit card agreement when you receive your card to determine which card to use for lounge access.

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.

INSIDERS ONLY: UP PULSE

Deluxe Travel Provided by UP Pulse

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy. This site is protected by reCAPTCHA. Google's privacy policy  and terms of service  apply.

Deluxe Travel Provided by UP Pulse
DMCA.com Protection Status