The Best Credit Cards for Priority Pass Lounge Access [November 2026]
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Top Priority Pass Picks (Quick Summary)
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Credit card | Welcome Offer | Lounge Access |
Platinum Card® from American Express | BEST OFFERAs High as 175,000 Points. Find Out Your Offer.Platinum Card® from American ExpressYou may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary, and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount — all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted. |
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Chase Sapphire Reserve®  | 100,000 pointsChase Sapphire Reserve®Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. |
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Capital One Venture X Rewards Credit Card  | 75,000 milesCapital One Venture X Rewards Credit CardEarn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel. |
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Citi Strata Elite℠ Card (rates & fees)  | 75,000 PointsCiti Strata Elite℠ CardEarn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening. |
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The Business Platinum Card® from American Express  | NEW CHATGPT BENEFITYour Offer Could Be As High As 300,000 Points. Find Out Your Offer. The Business Platinum Card® from American ExpressYour Offer Could Be As High As 300,000 points. Apply And Find Out Your Offer. You may be eligible to earn as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. |
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Sapphire Reserve for Business℠  | OFFER EXTENDED200,000 pointsSapphire Reserve for Business℠Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year. |
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Benefits of a Priority Pass Membership (Included With the Cards Below)
With a Priority Pass Select membership, you can expect the following benefits:
- Access to over experiences at airports, including lounges, restaurants, and more (varies by card)
- Complimentary beverages, snacks, and hot food (where available)
- Free Wi-Fi, showers, and conference rooms (where available)
- 2 additional lounge guests with you for no extra charge on most cards, subject to each lounge’s capacity
Platinum Card® from American Express (The No. 1 Card for Access to Over 1,550 Airport Lounges)
BEST OFFER
Terms Apply / Rates & FeesApply Now(at Amex's secure site)As High as 175,000 Points. Find Out Your Offer.Good to Excellent
Terms Apply / Rates & Fees
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs 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 card reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and elite status.
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 card reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and elite status.
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary, and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount — all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Up to $3,850
$895
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 card application.
Why We Like This Card
When it comes to cards that offer top-notch benefits, the Platinum Card® from American Express is a top choice.
The card offers premium perks like best-in-class airport lounge access, hotel elite status, and several annual card credits. The Amex Platinum card is easily worth the annual fee for frequent travelers who use the lounges and travel credits, and hard to justify for those who won’t.
Pros & Cons
Pros
- The best airport lounge access out of any card (by far): Get access to over 1,550 worldwide lounges, including Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
- 5 points per $1 spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
- 5 points per $1 spent on prepaid hotels booked with AmexTravel.com
Cons
- $895 annual fee (rates & fees)
- Airline credit does not cover airfare (only incidentals like checked bags).
Card Highlights
- You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
- $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
- With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass membership (enrollment required), and other select partner lounges. *As of 08/2026.
- $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S. when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
- $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
- $400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
- $219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 60+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to The Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- Whatever the occasion, choose from our two signature collections of premium hotels, curated to inspire and excite you when you book through Amex Travel™: Fine Hotels + Resorts® is a collection of over 1,900 luxury hotels that are destinations unto themselves and the Hotel Collection includes over 1,400 upscale hotels in desirable destinations.
- $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
- $155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
- $895 annual fee.
- Terms Apply.
Financial Snapshot
- APR: See Pay Over Time APR
- Foreign Transaction Fees: None
Rewards Center
When it comes to complimentary worldwide lounge access, the Amex Platinum card is king, with access to over 1,550 lounges with the Global Lounge Collection.
While the Amex Platinum card does include access to other lounges such as Centurion Lounges, Plaza Premium Lounges, Delta Sky Clubs (when flying Delta the same day), and Escape Lounges, by far the largest network available is Priority Pass™, where you can access over 1,400 Priority Pass lounges.
One of the best features of the Amex Platinum card is that additional cardholders receive the same complimentary Priority Pass lounge membership as the primary cardholder upon enrollment. You can also add Additional Platinum Cards for $195 per card, in addition to the annual fee on the card.
Each additional cardholder can bring 2 guests into the lounge for no charge, but all guests must be on the same flight as the main cardmember (excluding Amex Centurion Lounges and Delta Sky Clubs).
Chase Sapphire Reserve Card (Best for Priority Pass and Sapphire Lounge Access)
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs 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 points on travel and dining while offering top luxury perks.
A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
$2,000
$795
19.74% - 28.24% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Why We Like This Card
If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options.
The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.
Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!
Pros & Cons
Pros
- 8x points on all Chase Travel purchases
- 5x points on Lyft rides
- 4x points on flights and hotels booked directly
Cons
- $795 annual fee
Card Highlights
- Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get $3,000 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases.
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, a statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
- Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually when you dine at restaurants part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $324 annually.
- Member FDIC
Financial Snapshot
- APR: 19.74% - 28.24% Variable
- Foreign Transaction Fees: None
Rewards Center
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 access to Priority Pass lounges. The card also offers access to the Chase Sapphire Lounge by The Club locations, as well as select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada, and Europe when flying on any Star Alliance carrier.
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 $195 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.
Capital One Venture X Rewards Credit Card (Best Value Card for Participating Priority PassTM Access After Enrollment)
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs 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.
$1,350
$395
Purchases: 19.74% - 28.74% (Variable)
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Why We Like This Card
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 & Cons
Pros
- 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
- 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
- 2x miles per $1 on all other purchases
Cons
- $395 annual fee
- Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
Card Highlights
- 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 and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- 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
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Top rated mobile app
Financial Snapshot
- APR: Purchases: 19.74% - 28.74% (Variable)
- Foreign Transaction Fees: None
Rewards Center
A close contender to the Amex Platinum card, the Capital One Venture X card offers access to over 1,300 airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges (after enrollment).
Citi Strata Elite℠ Card (Best for Priority Pass and Admirals Club Access)
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs 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 Citi Strata Elite card is Citi's most premium card built for frequent travelers and foodies.
The Citi Strata Elite card is Citi's most premium card built for frequent travelers and foodies.
Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Up to $1,200
$595
20.74% to 28.74% Variable
Why We Like This Card
The Citi Strata Elite card is a great option for frequent travelers, foodies, and those who are fans of the Citi ThankYou Rewards ecosystem thanks to its combination of bonus categories, perks, and annual credits.
Pros & Cons
Pros
- 12x points on hotels, rental cars, and attractions booked through Citi Travel
- 6x points on airfare through Citi Travel
- 6x points on dining on Citi Nights (Friday and Saturday nights from 6 p.m. to 6 a.m.) and 3x points on dining at all other times
Cons
- $595 annual fee
- Boosted dining rewards are limited to 2 nights per week
Card Highlights
- Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
- Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
- Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
- Earn 1.5 Points per $1 spent on All Other Purchases
- Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
- No Foreign Transaction Fees
Financial Snapshot
- APR: 20.74% to 28.74% Variable
- Foreign Transaction Fees: None
Primary cardholders and authorized users of the Citi Strata Elite card have Priority Pass lounge access for themselves and up to 2 guests.
The primary cardholder also receives 4 American Airlines Admirals Club passes annually.
The Business Platinum Card® from American Express (Best Business Card for Lounge Access)
NEW CHATGPT BENEFIT
Terms Apply / Rates & FeesApply Now(at Amex's secure site)Your Offer Could Be As High As 300,000 Points. Find Out Your Offer. Good to Excellent
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs 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!
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Your Offer Could Be As High As 300,000 points. Apply And Find Out Your Offer. You may be eligible to earn as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Up to $6,600
$895
17.99% - 28.74% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Why We Like This Card
The Amex Business Platinum Card is a premium travel rewards card tailored for business owners who are frequent travelers with high annual expenses.
When you factor in the large number of perks that the card offers, like the best airport lounge access at over 1,550 lounges and numerous annual credits, it’s easy to see why this card is a top option for frequent traveling business owners.
Pros & Cons
Pros
- Earn 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
- Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection
- Earn 2x Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)
Cons
- High annual fee of $895 (rates & fees)
- Airline fee credit does not cover airfare, only incidentals like checked bags
Card Highlights
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel® using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required. Effective February 17, 2027, select merchants only. See terms.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers¹, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. ¹Effective February 17, 2027, select merchants only. See terms.
- 5X points on flights and prepaid hotels on AmexTravel.com
- NEW: With the Business Platinum Card® , you receive a complimentary American Express® ZO Membership from Tishman Speyer. Enjoy access to premium ZO Clubhouses and Lounges in select U.S. cities. Plus, get 4 complimentary day passes per month at U.S. Studio spaces and up to $500 in statement credits each calendar year when you use the Business Platinum Card® for event space bookings and/or a Dining Club membership.
- 1X points on other eligible purchases
- Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
- Terms Apply.
Financial Snapshot
- APR: 17.99% - 28.74% Variable
- Foreign Transaction Fees: None
Rewards Center
Hot Tip: Check to see if you’re eligible for a welcome bonus offer as high as 300,000 points with the Amex Business Platinum card. Find out your offer. Terms Apply.
The Amex Business Platinum card offers the same access to the American Express Global Lounge Collection as the personal version, which includes the Priority Pass lounge network. Just like the personal version, the Amex Business Platinum card offers unlimited access for the primary cardholder and any Employee Cards upon enrollment.
The Amex Business Platinum card allows access to 2 additional guests for both primary cardholders and Employee Cards. Additional guests beyond 2 are charged the Priority Pass Standard Program rate of $35 per person, per visit.
Employee Cards on the Amex Business Platinum card can be added for $400 each, though there’s also an Expense Card version for a $0 annual fee (rates & fees).
Sapphire Reserve for Business℠ (Best Business Card for Priority Pass and Sapphire Lounge Access)
OFFER EXTENDED
Terms Apply / Rates & FeesApply Now200,000 pointsExcellent
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs 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 Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.
The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
$4,000
$795
Flex for Business Variable APR: 17.99% - 28.74%
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 card application.
Why We Like This Card
The Chase Sapphire Reserve Business card is a great pick for business owners who can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. Plus, it offers helpful bonus categories such as ad spend and offers access to over 1,300 airport lounges — including Chase Sapphire Lounges.
Pros & Cons
Pros
- 8x points on Chase Travel purchases
- 4x points on flights and hotels booked directly
- 3x points on advertising purchases made with social media sites and search engines (up to $1 million per anniversary year starting 11/15/2026, then 1x)
Cons
- $795 annual fee
Card Highlights
- Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
- $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
Financial Snapshot
- APR: Flex for Business Variable APR: 17.99% - 28.74%
- Foreign Transaction Fees: None
The Chase Sapphire Reserve Business card offers primary cardholders access to over 1,300 Priority Pass lounges and Chase Sapphire Lounge by The Club locations within 3 hours of departure. Unfortunately, employee cardmembers don’t get lounge access, but primary cardholders can bring 2 guests into lounges.
Primary cardholders and 1 guest can also access select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada, and Europe when flying on any Star Alliance carrier.