The Best Credit Cards with Lounge Access

Airport lounges can make or break your travel experience. Imagine trading overcrowded gates, restless travelers, and noisy terminals for quiet, semi-private spaces offering free food and drinks, comfortable seating, and complimentary Wi-Fi. Some locations even offer showers, spa treatments, nap pods, and more. So it’s little wonder that people with lounge access love getting to the airport early — even those who aren’t usually the type to arrive several hours ahead of time. 

That being said, airport lounge access usually doesn’t come cheap: Day passes can easily cost between $45 and $90 per person per visit, while annual memberships cost anywhere from around $470 to just under $1,500 a year. 

That’s why credit cards that include complimentary lounge access are so valuable for frequent travelers. If you regularly buy drinks or food in the airport, access to an airport lounge can save you a lot of money while making your travel experience far more comfortable.

Best Consumer Credit Cards with Lounge Access

U.S. Bank Altitude Connect

The U.S. Bank Altitude Connect is a no-annual-fee travel credit card that comes with four complimentary Priority Pass lounge visits per year. It’s perfect for infrequent travelers who want to avoid paying high premiums on benefits they rarely use while enjoying the occasional taste of comfort. 

Best for: Casual travelers who want limited lounge access at low cost Welcome bonus: 30,000 points after spending $1,000 in your first 90 days as a cardholder Annual fee: $0 Earning rates:

• 5 points per dollar on prepaid hotels and car rentals via the Altitude Rewards Center

• 4 points per dollar on travel

• 4 points per dollar on gas/EV charging stations on your first $1,000 each quarter

• 2 points per dollar on grocery stores, dining, and streaming services

• 1 point per dollar on all other purchases

Lounge access details: Four free Priority Pass visits per year; additional visits available for a fee Other benefits:

• Up to $100 credit toward Global Entry or TSA PreCheck once every four years

• No foreign transaction fees

• Travel protections, including trip delay and cancellation coverage

• 0% intro APR on new purchases and balance transfers for your first 15 billing cycles

The U.S. Bank Altitude Connect is a wonderful option for people who don’t fly often but still want to enjoy lounge benefits and strong returns on common expenses. The elevated rewards on travel, gas/EV charging, groceries, dining, and streaming services will help you quickly rack up points you can use to offset the cost of your next trip. 

Capital One Venture X

The Capital One Venture X comes with unlimited access to Priority Pass lounges (over 1,700 locations worldwide) as well as entry to Capital One’s growing network of proprietary lounges. 

Offering menus designed in partnership with celebrity chef José Andres and unique beverages custom-crafted for each location, Capital One lounges are more likely to feel like you’re in a high-end restaurant than a busy airport. 

Best for: Travelers seeking premium travel benefits at a mid-tier annual fee price range Welcome bonus: 75,000 miles after spending $4,000 in your first three months as a cardholder Annual fee: $395 Earning rates:

• 10 miles per dollar on hotels and rental cars via Capital One Travel

• 5 miles per dollar on flights and vacation rentals via Capital One Travel

• 2 miles per dollar on all other purchases

Lounge access details: 

Through January 31, 2026: 

• Cardholders can bring up to two complimentary guests to Capital One Lounges and Priority Pass lounges; one complimentary guest at Capital One Landing locations

Beginning February 1, 2026: 

• Cardholders pay $45 per guest per visit at Capital One Lounge and Capital One Landing locations ($25 per visit per guest under the age of 18); $35 per guest for Priority Pass 

• Capital One cardholders who spend $75,000 on the card in a calendar year can continue bringing up to two guests per visit (one free guest in Capital One Landing locations)

Other credit card benefits:

• $300 annual travel credit toward Capital One Travel bookings

• 10,000 bonus miles each year on your card renewal anniversary

• Up to $120 credit toward Global Entry or TSA PreCheck once every four years

The Capital One Venture X is the most affordable travel rewards credit card with unlimited airport lounge access. But don’t let its low cost fool you into thinking it isn’t a great choice. Whether you travel weekly or only a few times a year, this card more than pays for itself in no time, thanks to an annual $300 travel credit as well as the aforementioned lounge access. 

Delta SkyMiles Reserve

The American Express Delta Reserve credit card is best for diehard Delta loyalists who want all of their rewards from their card spending to earn them future flights. 

Best for: Loyal Delta flyers who prioritize Delta Sky Club and Amex Centurion Lounge access Welcome bonus: 70,000 miles after spending $5,000 in your first six months as a cardholder Annual fee: $650 Earning rates:

• 3 SkyMiles per dollar on Delta purchases made directly with the airline 

• 1 SkyMile per dollar on all other purchases

Lounge access details: 

• 15 Delta Sky Club visits between February 1 and January 31 when flying Delta; unlock unlimited access on Delta flights after spending $75,000 in a calendar year

• Four one-time Delta Sky Club guest passes per year

• Unlimited access to Amex Centurion Lounges when flying Delta

Other benefits:

• Annual companion travel certificate each year you renew your credit card

• Medallion Qualification Dollars (MQD) headstart and boost toward Delta elite status

• Up to $360 in monthly credits toward Resy and rideshares 

• TakeOff15 benefit offers 15% off flights booked with Delta SkyMiles

If you fly Delta almost exclusively — and often — you’ll want to consider the Amex Delta Reserve credit card. While its $650 annual fee is steep, the right traveler can quickly recoup the cost and significantly more value by maximizing more than $500 in total travel credits as well as discounts, travel companion benefits, and premium perks like complimentary seat upgrades when available. 

Finally, the card comes with one of the most generous airport lounge access policies of any travel rewards card. In addition to 15 Delta Sky Club lounge visits, cardholders get complimentary access to Amex Centurion lounges when booking a Delta flight with the SkyMiles Reserve card.

American Express Platinum

Long considered the industry standard for travel rewards credit cards, The Platinum Card by American Express is your golden ticket to thousands of airport lounges worldwide. Cardholders can access half a dozen global lounge networks, including Amex Centurion Lounges, Delta Sky Clubs when flying with Delta, and more than 1,700 international Priority Pass locations.

Best for: Luxury-focused travelers who want premium benefits, including lounge access Welcome bonus: 80,000 points after spending $8,000 in your first six months as a cardholder Annual fee: $895 Earning rates:

• 5 points per dollar on flights booked directly or via Amex Travel (on up to $500,000 annually)

• 5 points per dollar on prepaid hotels via Amex Travel

• 1 point per dollar on all other purchases

Lounge access details: 

• Access to the following global lounge networks: 

  • Amex Centurion Lounges 

  • Escape Lounges

  • 10 Delta Sky Club visits annually when flying Delta; unlock unlimited access by spending $75,000 in a calendar year on this card

  • Lufthansa Lounges when flying with Lufthansa, SWISS, or Austrian Airlines

  • Priority Pass Select membership

  • Plaza Premium Lounges; guesting rules vary by program

• Cardholders who spend $75,000 or more on the Platinum card within a calendar year unlock unlimited access for up to two complimentary guests at Centurion Lounges in the U.S., Hong Kong, and London airports when traveling with the cardholder on same-day tickets. This benefit will be valid for the calendar year in which it was earned, as well as the following calendar year. Additional guests cost $50 per adult, and $30 per child between ages of 2-17. 

Other benefits:

• $400 Resy credit ($100 issued quarterly)

• $200 incidental fee credit for your airline of choice

• $600  hotel credit on eligible Amex Travel bookings ($300 issued semi-annually)

• $209 annual CLEAR Plus credit

• Gold Elite status with Hilton and Marriott

• Comprehensive travel insurance

The renowned Amex Platinum card shines for travelers who want the widest lounge coverage and are willing to pay for it. While its annual fee is steep, travelers who frequently transit airports with Centurion Lounges or Delta Sky Clubs can easily justify the investment based on the value of complimentary meals and beverages alone. 

Beyond lounge access, the Amex Platinum comes with well over a thousand dollars’ worth of annual statement credits toward eligible travel, Uber rides, expedited airport screening lines, streaming services, airline incidental fees, and much more.

Chase Sapphire Reserve

Chase Sapphire Reserve cardholders can bring up to two guests free of charge when visiting Priority Pass and Chase Sapphire Lounges. This benefit alone can save families hundreds of dollars on airport food and drinks, even if you only fly a few times a year. 

Best for: Family travelers who want complimentary guest access to airport lounges Welcome bonus: 125,000 points after spending $6,000 in your first three months Annual fee: $795 Earning rates:

• 8 points per dollar on all travel booked via Chase Travel

• 4 points per dollar on flights and hotels booked directly with the travel provider

• 3 points per dollar on all dining

• 1 point per dollar on all other purchases

Lounge access details: Unlimited Chase Sapphire Lounge access and Priority Pass Select membership for cardholder; two complimentary guests allowed per visit. Additional guests are allowed for a per-person fee. Other benefits:

• $300 annual travel credit

• Up to $500 annually (up to $250 semi-annually) for eligible bookings through The Edit

• Excellent travel protections, including primary car rental coverage

• Up to $120 credit toward Global Entry, TSA PreCheck, or NEXUS every four years

The newly refreshed Chase Sapphire Reserve is the ideal travel credit card for families and other travelers who value its many benefits, including more than $2,700 in annual credits toward travel, dining, and lifestyle purchases. The steep annual fee is easily justified if you can maximize most of these perks each year.

Best Business Credit Cards with Lounge Access

You’ll see some familiar names on this list: All of these business credit cards with airport lounge access are counterparts of the consumer cards reviewed above.

Capital One Venture X Business

If airport lounge access is important for your business travel, the Capital One Venture X for Business offers the best value for your wallet. 

Best for: Business travelers with large monthly company expenses Welcome bonus: 150,000 miles after spending $30,000 in your first three months as a cardholder Annual fee: $395 Earning rates:

• 10 miles per dollar on hotels and rental cars via Capital One Travel

• 5 miles per dollar on flights and vacation rentals via Capital One Travel

• 2 miles per dollar on all other purchases

Lounge access details: Unlimited Priority Pass access plus Capital One Lounges. Beginning February 1, 2026, Capital One Lounge access costs $45 per visit for adults, while the fee for children between ages 2-17 is $25 per visit). Business owners who have the Venture X Business card can continue bringing up to two guests into Priority Pass lounges for free.

Other benefits:

• $300 annual Capital One Travel credit

• 10,000 bonus miles on each anniversary

• Up to $120 credit toward Global Entry or TSA PreCheck once every four years

• Free employee cards

The Capital One Venture X Business credit card is a solid choice for growing businesses with significant expenses, especially if you value earning flat-rate returns on all purchases that can be redeemed for cash back or travel. 

American Express Business Platinum

The Amex Business Platinum offers the most extensive lounge access of any business credit card. It’s also packed with valuable credits and benefits for business owners. 

Best for: Business owners who value luxury when traveling for work or pleasure Welcome bonus: 200,000 points after spending $20,000 in your first three months of card membership Annual fee: $895 Earning rates:

• 5 points per dollar on flights and hotels booked on Amex Travel (on up to $500,000 annually)

• 2 points per dollar on eligible purchases in key business categories, and on transactions of $5,000 or more

• 1 point per dollar on all other purchases

Lounge access details: Access to the following global lounge networks: 

• Amex Centurion Lounges 

• Escape Lounges

• 10 Delta Sky Club visits annually when flying Delta

• Lufthansa Lounges when flying with Lufthansa, SWISS, or Austrian Airlines

• Priority Pass Select membership

• Plaza Premium Lounges; guesting rules vary by program

Other benefits:

• Up to $600 hotel credit on The Hotel Collection and Fine Hotels + Resorts bookings (up to $300 issued semi-annually)

• Up to $200 airline incidental fees credit

• Up to $1,150 annual Dell credit

• $250 Adobe credit per calendar after spending $600 or more

• Up to $360 Indeed credit ($90 quarterly)

• Up to $209 CLEAR Plus credit

• Up to $120 wireless credit

• $1,200 Amex Travel flight credit after spending $250,000 in a calendar year

• $2,400 American Express One AP (accounting software) credit after $250,000 spent in a calendar year

This card is designed for high-spending business owners who value having the most extensive lounge access available via a business credit card. With qualifying travel, cardholders enjoy complimentary entry to Amex Centurion Lounges, Priority Pass, Delta Sky Clubs (when flying Delta), Lufthansa (when flying Lufthansa Group airlines), Escape Lounges, and Plaza Premium Lounges.

Chase Sapphire Reserve for Business

The new Chase Sapphire Reserve for Business features many of the perks beloved by consumer cardholders while adding a few special touches just for business owners. 

Best for: Business owners who value Chase Ultimate Rewards Welcome bonus: 200,000 points after spending $30,000 in your first six months Annual fee: $795 Earning rates:

• 8 points per dollar on all travel booked via Chase Travel

• 5 points per dollar on Lyft through September 30, 2027

• 4 points per dollar on flights and hotels booked directly with the travel provider

• 3 points per dollar on social media and search engine advertising

• 1 point per dollar on all other purchases

Lounge access details: Unlimited Chase Sapphire Lounge access and Priority Pass Select membership for the cardholder; two complimentary guests allowed per visit. Additional guests are allowed for a per-person fee.

Other benefits:

• Up to $300 annual travel credit

• Up to $500 ($250 semi-annually) toward eligible hotels booked through Chase

• Up to $120 credit toward TSA PreCheck, Global Entry, or Nexus enrollment once every four years

• Up to $420 in DoorDash value and dining credits annually

The Chase Sapphire Reserve for Business is new to the game, but Chase isn’t new to wooing business owners with desirable benefits. This card offers many of the same benefits as its consumer counterpart, with slightly different bonus spending categories that correlate to common company expenses, like 3 points per dollar on social media and search engine advertising, and hundreds of dollars’ worth of credit toward business software.