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Best Credit Cards With Airport Lounge Access 2023

Kevin Payne
Robin Ratcliff
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Winner

The Platinum Card® from American Express

The Platinum Card® from American Express

apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

The Platinum Card® from American Express

The Platinum Card® from American Express is the best card for lounge access because it comes with access to several popular airport lounge networks.

Best Credit Cards With Airport Lounge Access 2023

Airports worldwide are home to one of the best perks for travelers — airport lounges. Instead of cramming into a seat at your gate, lounges provide comfort, convenience and complimentary services to help you relax and unwind before your flight.

The question is how do you gain access to airport lounges? Many credit cards come with airport lounge memberships or passes. These cards tend to have higher annual fees than other cards, but often the cost is more than made up through the value of lounge access and other card perks. Below are some of our top picks for credit cards with airport lounge access so you can determine if one is right for you.

Best card for lounge access overall and international lounge access

The Platinum Card® from American Express

The Platinum Card<sup>®</sup> from American Express The Platinum Card<sup>®</sup> from American Express
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

Over 1,200 airport lounges in over 120 countries, including Centurion and Delta Sky Club lounges
Intro Purchase APR N/A
Annual Fee $695
Regular Purchase APR See Pay Over Time APR
Credit Score Needed
660-850
Excellent/Good
Get Your Free Credit Score
  • Generous rewards program
  • Access to a large, worldwide network of airport lounges
  • Rewards transfer to 15+ loyalty programs
  • $1,000+ worth of credits
  • Concierge service
  • High annual fee
  • Limited acceptance at some merchants

The Platinum Card® from American Express is the best card for airport lounge access hands-down. Cardholders get access to the American Express Global Lounge Collection, which includes Priority Pass™ Select membership, exclusive access to Amex’s own Centurion lounges, and entry into Delta Sky Clubs before or during Delta flights. The card also comes with a laundry list of credits, benefits and protections like up to a $200 airline fee credit (enrollment required) and upgraded hotel status with Hilton and Marriott (enrollment required).

To see rates & fees for The Platinum Card® from American Express please click here.

  • Lounge network: American Express Global Lounge Collection, International American Express Lounges, Centurion Lounges, Delta Sky Club, Escape Lounges, Plaza Premium Lounges, Priority Pass Lounges (enrollment required), Air Space Lounges
  • Number of lounges: Over 1,200 airport lounges in over 120 countries
  • Authorized user access: You can add additional card members for a fee. Additional card members have the same lounge access as the primary card member.
  • Guest policy: Guest policies vary depending on the specific lounge network. Many allow up to two guests per visit.
  • When can you access lounges?: Lounge access is for same-day travel only.
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, 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, SiriusXM, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $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.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: 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 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, 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.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. 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.

Runner-up for best card with international lounge access

Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card Capital One Venture X Rewards Credit Card
apply-now-icon Apply Now
on Capital One's secure site
Rates & Fees

Access to more than 100 international lounges
Intro Purchase APR N/A
Annual Fee $395
Regular Purchase APR 21.99% - 28.99% (Variable)
Credit Score Needed
720-850
Excellent
Get Your Free Credit Score
  • Earn miles at a high rate on every purchase
  • Access Capital One lounges in addition to Priority Pass
  • Points transfer to 10+ loyalty programs
  • $300 annual travel credit
  • 10,000 mile anniversary bonus
  • High annual fee
  • Priority Pass is inferior to other lounge programs
  • There are few Capital One lounges
  • No major U.S. airline transfer partners

Capital One Venture X Rewards Credit Card is another strong pick for international lounge access. Its Plaza Premium Group feature allows you to access more than 100 international lounges. It has access to Priority Pass lounges on top of that — and at a $395 annual fee, which is lower than The Platinum Card® from American Express and the Chase Sapphire Reserve®.

  • Lounge network: Priority Pass™ Select, Plaza Premium Group, Capital One
  • Number of lounges: Over 1,300 airport lounges worldwide
  • Authorized user access: Authorized users receive the same full complimentary access to lounges as primary cardholders.
  • Guest policy: Primary cardholders and authorized users are allowed a maximum of two guests per visit. Passes for additional guests cost $45 per guest per visit at Capital One lounges.
  • When can you access lounges?: Lounge access is for same-day travel only.
  • 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®
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Best credit card with Priority Pass lounge access

Chase Sapphire Reserve®

Chase Sapphire Reserve<sup>®</sup> Chase Sapphire Reserve<sup>®</sup>
Review Coming Soon

Lowest cost for a Priority Pass membership
Intro Purchase APR N/A
Annual Fee $550
Regular Purchase APR 22.49% – 29.49% Variable
Credit Score Needed
720-850
Excellent
Get Your Free Credit Score
  • Generous earning rate on travel
  • Priority Pass lounge access
  • Transfer points to 10+ loyalty programs
  • $300 flexible travel credit

 

  • High annual fee
  • $75 authorized user fee
  • Priority Pass is inferior to other lounge programs

Chase Sapphire Reserve® is our top pick for Priority Pass perks since you get lounge access for the most reasonable annual fee. The card has a $550 annual fee, but also comes with a $300 annual travel credit that applies to most travel purchases and cancels out most of that fee. Essentially, as long as you travel enough to use up the travel credit, you’ll get access to more than 1,300 airport lounges worldwide for a cost of just $250 per year.

  • Lounge network: Priority Pass™ Select
  • Number of lounges: Over 1,300 airport lounges worldwide
  • Authorized user access: Authorized users receive the same full complimentary access to lounges as primary cardholders.
  • Guest policy: Primary cardholders and authorized users are allowed a maximum of two guests per visit. Passes for additional guests cost $32 per guest per visit.
  • When can you access lounges?: Lounge access is for same-day travel only.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $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 Ultimate Rewards® 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 Ultimate Rewards®. For example, 60,000 points are worth $900 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
The information related to the Chase Sapphire Reserve® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best card with lounge access for business

The Business Platinum Card® from American Express

The Business Platinum Card<sup>®</sup> from American Express The Business Platinum Card<sup>®</sup> from American Express
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

Over 1,200 airport lounges in over 120 countries, including Centurion and Delta Sky Club lounges
Intro Purchase APR N/A
Annual Fee $695
Regular Purchase APR 19.49% - 27.49% Variable
Credit Score Needed
660-850
Excellent/Good
Get Your Free Credit Score
  • Enhanced rewards program for business expenses
  • Rewards transfer to 15+ loyalty programs
  • Access to large, worldwide network of airport lounges
  • $1,000+ worth of credits
  • High annual fee
  • Limited acceptance at some merchants

If you’re a fan of The Platinum Card® from American Express, The Business Platinum Card® from American Express is just as good, if not better. It’s our top pick for a business card with lounge benefits because it offers access to the same lounge networks as the consumer version of the card, including Priority Pass™ Select membership, access to Amex Centurion lounges, and access to Delta Sky Clubs when flying Delta. While a $695 annual fee applies, business owners with this card get valuable business credits, such as up to $400 in credits from Dell and up to $360 in credits with Indeed (enrollment required).

To see rates & fees for The Business Platinum Card® from American Express please click here.

  • Lounge network(s): American Express Global Lounge Collection, International American Express Lounges
    Centurion Lounges, Delta Sky Club, Escape Lounges, Plaza Premium Lounges, Priority Pass Lounges (enrollment required), Air Space Lounges
  • Number of lounges: Over 1,200 airport lounges in over 120 countries
  • Authorized user access: You can add additional card members for a fee. Additional card members have the same lounge access as the primary card member.
  • Guest policy: Guest policies vary depending on the specific lounge network. Many allow up to two guests per visit.
  • When can you access lounges?: Lounge access is for same-day travel only.
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your 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 annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your 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 your 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.

Best credit card for Admirals Club lounge access

Citi® / AAdvantage® Executive World Elite Mastercard®

Citi<sup>®</sup> / AAdvantage<sup>®</sup> Executive World Elite Mastercard<sup>®</sup> Citi<sup>®</sup> / AAdvantage<sup>®</sup> Executive World Elite Mastercard<sup>®</sup>
Review Coming Soon

Access to nearly 50 Admirals Club lounges and 60 partner lounges
Intro Purchase APR N/A
Annual Fee $595
Regular Purchase APR 21.24% - 29.99% (Variable)
Credit Score Needed
660-850
Excellent/Good
Get Your Free Credit Score
  • Generous airline rewards program
  • Admirals Club membership
  • Travel benefits
  • No foreign transaction fees
  • High annual fee
  • Limited to Admirals Clubs and partners

The Citi® / AAdvantage® Executive World Elite Mastercard® is the only credit card that comes with american Airlines Admirals Club membership. While a $595 annual fee applies, Admirals Club membership is actually worth up to $650 if you chose to pay for it outright. Getting the card instead gives you several airline-related perks, including priority check-in, security, and boarding privileges and a Global Entry or TSA Precheck fee credit.

  • Lounge network(s): Admirals Club
  • Number of lounges: Nearly 50 lounges plus access to 60 partner lounges
  • Authorized user access: No charge to add authorized users. Authorized users have access to domestic and international Admirals Club locations but not full membership privileges.
  • Guest policy: Up to two guests free
  • When can you access lounges?: Lounge access is for same-day travel only.
  • Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
  • Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
  • No Foreign Transaction Fees on purchases
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
The information related to the Citi® / AAdvantage® Executive World Elite Mastercard® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best credit card for Delta Sky Club lounge access

Delta SkyMiles® Reserve American Express Card

Delta SkyMiles<sup>®</sup> Reserve American Express Card Delta SkyMiles<sup>®</sup> Reserve American Express Card
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

Delta SkyClub membership, plus access to Centurion lounges
Intro Purchase APR N/A
Annual Fee $550
Regular Purchase APR 20.99%-29.99% Variable
Credit Score Needed
660-850
Excellent/Good
Get Your Free Credit Score
  • Solid earning rate
  • Access to Delta Sky Club and Centurion lounges
  • Annual companion certificate
  • Access to other perks with Delta Air Lines
  • High annual fee
  • Limited to Delta SkyClub and Centurion lounges

The Delta SkyMiles® Reserve American Express Card is the only co-branded consumer credit card from Delta that offers Delta Sky Club membership as well as access to Amex’s exclusive Centurion Lounge network. While a $550 annual fee is required to get this card, purchasing Delta Sky Club membership alone would set you back a minimum of $550 Cardholders also get a round-trip companion pass every year, a first checked bag free on Delta flights and more.

To see rates & fees for Delta SkyMiles® Reserve American Express Card please click here.

  • Lounge network(s): Delta SkyClub, Centurion
  • Number of lounges: 50+ Delta SkyClub Lounges, 40+ Centurion Lounges
  • Authorized user access: Authorized users receive full lounge access
  • Guest policy: Up to two guests at a per-visit rate of $39 each at Delta SkyClub and $50 each at Centurion lounges.
  • When can you access lounges?: Lounge access is for same-day travel on Delta flights.
  • Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months.
  • Enjoy Delta Sky Club® access at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 10 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.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
  • Eligible 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.
  • Receive a domestic First Class, Delta Comfort+® or domestic Main Cabin round trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Fee Credit for Global Entry or TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Enjoy your first checked bag free on Delta flights.
  • Earn 3X Miles on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
  • No Foreign Transaction Fees.
  • $550 Annual Fee.
  • Terms Apply.

Best credit card for United Club lounge access

United Club℠ Infinite Card

United Club℠ Infinite Card United Club℠ Infinite Card
Review Coming Soon

Access to 45+ lounges, including United Polaris lounges
Intro Purchase APR N/A
Annual Fee $525
Regular Purchase APR 21.74% - 28.74% Variable
Credit Score Needed
720-850
Excellent
Get Your Free Credit Score
  • United Club membership
  • United airline perks
  • Car rental elite status
  • High annual fee
  • Limited to United Club and Polaris lounges

United fans will love the United Club℠ Infinite Card since it comes with access to United Club lounges and premium travel services when flying United. Major benefits outside of airport lounge access include first and second checked bags free, priority check-in and boarding and a Global Entry or TSA PreCheck fee credit. The annual fee on this card is $525, whereas paying for United Club membership costs a minimum of $650.

  • Lounge network(s): United Club
  • Number of lounges: 45+ United Club lounges, six United Polaris lounges
  • Authorized user access: Authorized users can only access lounges as a guest of the primary cardholder.
  • Guest policy: Up to two free guests per visit
  • When can you access lounges?: Lounge access if for same-day travel on United and Star Alliance flights.
  • 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 8,000 Premier qualifying points (500 PQP for every $12K you spend on purchases)
  • Member FDIC
The information related to the United Club℠ Infinite Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best credit card for lounge access and a low annual fee

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card Hilton Honors American Express Surpass® Card
Learn More

10 Priority Pass visits each year with a low annual fee
Intro Purchase APR N/A
Annual Fee $95
Regular Purchase APR 20.99% to 29.99% variable
Credit Score Needed
660-850
Excellent/Good
Get Your Free Credit Score
  • Generous rewards
  • Complimentary Hilton Honors Gold status (enrollment required)
  • 10 Priority Pass visits per year
  • Annual fee
  • You’re limited to 10 lounge visits per year
  • Limited rewards options outside of Hilton

The Hilton Honors American Express Surpass® Card is great for infrequent travelers since it comes with 10 free passes to Priority Pass airport lounges with an annual fee of just $95 per year. Earning rates for this card are also generous, and it comes with valuable hotel perks, like Hilton Honors Gold status (enrollment required).

  • Lounge network(s): 10 complimentary Priority Pass™ Select passes
  • Number of lounges: 1,300+ lounges
  • Authorized user access: Authorized users don’t receive this benefit but may use complimentary passes for lounge access.
  • Guest policy: Complimentary passes may be used for guests.
  • When can you access lounges?: Access is for same-day travel only.
  • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the card in the first six months of card membership
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.  
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year (enrollment required).
  • $95 annual fee.
  • Terms Apply.
The information related to the Hilton Honors American Express Surpass® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Kevin Payne

Kevin Payne is a personal finance and travel writer. His work has appeared on websites like Forbes Advisor, Investopedia, Credit Karma and FinanceBuzz. He is the family travel and budget expert behind FamilyMoneyAdventure.com. Kevin lives in Cleveland, Ohio, with his wife and four kids.

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The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.

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