The Best Credit Cards with Lounge Access

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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.

Capital One Venture X Rewards Credit Card

Best for: Travelers seeking premium travel benefits at a mid-tier annual fee price range.

The Capital One Venture X Rewards Credit Card comes with unlimited access to Priority Pass™ lounges (over 1,700 locations worldwide) as well as entry to Capital One’s Lounges and Landing locations. 

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

The Capital One Venture X Rewards Credit Card 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. 

Lounge access details: 

• As of 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).

American Express Platinum Card®

Best for: Luxury-focused travelers who want premium benefits, including lounge access.

Long considered the industry standard for travel rewards credit cards, the American Express Platinum Card® 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.

The renowned American Express 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 American Express Platinum Card® American Express Platinum Card® 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.

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 (subject to visit limitations)

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

  • Priority Pass™ 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. 

Chase Sapphire Reserve®

Best for: Family travelers who want complimentary guest access to airport lounges.

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. 

The 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.

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.

Delta SkyMiles® Reserve American Express Card

Best for: Loyal Delta flyers who prioritize Delta Sky Club® and Amex Centurion Lounge access.

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

Lounge access details: 

• 15 Delta Sky Club visits per Medallion® Year 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

U.S. Bank Altitude® Connect Visa Signature® Card

Best for: Casual travelers who want limited lounge access at low cost.

The U.S. Bank Altitude® Connect Visa Signature® Card 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. 

The U.S. Bank Altitude® Connect Visa Signature® Card 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. 

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

Welcome bonus: 30,000 points after spending $1,000 in your first 90 days as a cardholder.

Annual fee: $0

Earning rates:

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

• 4x points per dollar on travel

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

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

• 1x point per dollar on all other purchases

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

Capital One Venture X Business

Best for: Business travelers with large monthly company expenses.

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

Lounge access details: Unlimited Priority Pass™ access plus Capital One Lounges and Landing locations for the primary cardholder. For guests beginning February 1, 2026, Capital One Lounge and Landing locations 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 Capital One Venture X Business can continue bringing up to two guests into Priority Pass™ lounges for free.

The Business Platinum Card® from American Express

Best for: Business owners who value luxury when traveling for work or pleasure.

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

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.

Lounge access details: You'll have access to these global lounge networks: 

• Amex Centurion Lounges 

• Escape Lounges

• 10 Delta Sky Club visits annually when flying Delta (subject to visit limitations)

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

• Priority Pass™ Select membership

• Plaza Premium Lounges; guesting rules vary by program

Sapphire Reserve for Business℠

Best for: Business owners who value Chase Ultimate Rewards.

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

The 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.

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.

^{Advertiser Disclosure: Some links to credit cards and other products on this website will earn an affiliate commission. Compensation may affect how and where the cards appear on the site, and we do not include all card companies and all available card offers. Opinions, reviews, analyses, and recommendations have not been reviewed, endorsed, or approved by any of these affiliate entities. point.me has partnered with CardRatings for our coverage of credit card products. point.me and CardRatings may receive a commission from card issuers when a customer clicks on a link, when an application is approved, or when an account is opened.}

^{Delta SkyMiles® Reserve American Express Card see rates and fees, terms apply; American Express Platinum Card® see rates and fees, terms apply; The Business Platinum Card® from American Express see rates and fees, terms apply.}