The Capital One Venture X Rewards Credit Card offers premium travel benefits and unlimited 2x miles on every purchase. Although it has a high yearly fee, it is the best credit card for lounge access and includes an annual travel credit and anniversary bonus that offset its cost.
Credit Cards | Our Ratings | Priority Pass access | Annual Fee | Rewards Rate | |
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Capital One Venture X Rewards Credit Card
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(Winner) Best Priority Pass credit card
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See terms | $395 | 2X - 10X miles
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Chase Sapphire Reserve®*
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Best Priority Pass card for premium travel
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You and 2 guests | $795 | 1X - 8X points
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American Express Platinum Card®
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Best luxury credit card with Priority Pass access
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You (enrollment required; see lounge terms for guest access) | $895 | 5X points
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Marriott Bonvoy Brilliant® American Express® Card
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Best Marriott credit card with Priority Pass access
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You, your supplementary cardholder and 1 guest (enrollment required) | $650 | 2X - 21X points
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Bank of America® Premium Rewards® Elite Credit Card*
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Best Priority Pass credit card for Bank of America Preferred Rewards® members
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You and 2 accompanying guests | $550 | 1.5X - 2X points
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UBS Visa Infinite Credit Card*
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Visa Infinite
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Eligible cardholders | $650 | 1X -3X points
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U.S. Bank Altitude® Connect Visa Signature® Card*
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2.9
Lower annual fee
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Four free lounge visits per year | $0 | 2X - 5X points
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The Business Platinum Card® from American Express
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Best business credit card with Priority Pass access
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Eligible card members | $895 | 1X - 5X points
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Capital One Venture X Business
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Venture X Business Card
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See terms | $395 | 2X - 10X Miles
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To bring you the list of best credit cards for Priority Pass lounge access, we use an objective rating and ranking system that compares features across a large set of credit cards (over 200 cards from over 50 issuers). We use calculations to estimate the value of each card for the average cardholder, based on numbers from LendingTree and the U.S. Bureau of Labor Statistics.
We calculate the value of rewards and perks for the average cardholder using Bureau of Labor Statistics data and an annual spend of $20,000, minus the annual fee. This value includes the card’s sign-up bonus, annual bonus (including free night certificates) and travel perks like lounge access and travel credits. We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
We consider how easy the rewards are to use, looking at factors like expiration dates, minimum thresholds to redeem, blackout dates and the availability of flexible redemption options like travel statement credits and cash back.
We also compare a card’s benefits, such as purchase protections, travel protections and elite status benefits against benefits from other cards.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Free Priority Pass lounge access for you, and authorized users get their own Priority Pass membership.
The Capital One Venture X Rewards Credit Card is our top contender, as it offers unlimited complimentary Priority Pass access. Not only that, but authorized users on the card are free, and each authorized user also gets their own Priority Pass membership. On top of that, members get access to Capital One Lounges in select airports.
This card also comes with a valuable sign-up bonus that lets you 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, as well as a high rewards rate on hotels, rental cars and flights booked through Capital One’s travel portal.
The card does charge an annual fee of $395. However, benefits like its annual travel credit (up to $300) and Global Entry or TSA PreCheck® application fee credit (up to $120) can help offset that amount. Cardholders also get 10,000 anniversary bonus miles (worth $100 in travel) every year they renew the card.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Free Priority Pass lounge access for you and two accompanying guests. Additional guests are $27 each per visit.
Along with Priority Pass™ lounge access, the Chase Sapphire Reserve® offers a high rewards rate on worldwide travel and dining. Points are worth up to 100% more when redeemed for travel through Chase TravelSM for select redemptions and can also be transferred to more than 10 airline and hotel partners at a 1:1 ratio. With its refreshed benefits, cardholders now receive up to a $500 credit for stays with The Edit℠, complimentary IHG One® Rewards Platinum Elite status and more than $1,500 in annual lifestyle value, including credits for dining, StubHub, Lyft, Peloton and more.
As well as Priority PassTM Select, this credit card also comes with valuable travel benefits and protections, including up to $300 in annual travel credits, a fee credit toward Global Entry, TSA PreCheck® or NEXUS membership and reimbursements for trip delay and lost luggage. The card also has its own lounges named the Chase Sapphire Reserve Lounge NetworkSM, and the Chase Sapphire lounge guest policy includes up to two guests free of charge.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Complimentary Priority Pass lounge access (enrollment required) for eligible card members. See lounge terms and conditions for guest access.
On top of Priority Pass lounge access (enrollment required), the American Express Platinum Card® offers Delta Sky Club access (subject to visit limitations) when flying eligible Delta flights and American Express Centurion Lounge access when flying any airline. The card is ideal for booking flights, as you’ll earn 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. Terms apply.
Its extensive travel benefits include:
The American Express Platinum Card® also earns valuable American Express Membership Rewards points that can be used for travel through Amex or transferred to a range of airline and hotel partners.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Priority Pass™ lounge access for you and two accompanying guests (enrollment required). Additional guests require a per-guest charge set by the lounge.
The Marriott Bonvoy Brilliant® American Express® Card is the best travel credit card with lounge access for travelers who frequently stay with Marriott — the world’s largest hotel brand. Cardholders receive Marriott Bonvoy® Platinum Elite Status, an annual free night worth up to 85,000 points* and Priority Pass™ visits for the cardholder and two companions (enrollment required).
The card also includes up to $300 in annual dining statement credits (up to $25 per month) that covers eligible restaurant purchases, whether you’re dining at home or on the road. Big spenders can earn a Brilliant Earned Choice Award after spending $60,000 each calendar year.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Free, unlimited access with up to four complimentary Priority Pass™ SelectTM memberships.
The Bank of America® Premium Rewards® Elite Credit Card is ideal for Preferred Rewards members, since they earn 25% to 75% more rewards for every dollar they spend. At the highest tier, you’ll earn 3.5x points on travel and dining and 2.62x points on everything else. Cardholders pay a $550 annual fee for this card, but it comes with a generous welcome offer, Priority Pass™ airport lounge membership, a $300 annual credit toward eligible airline incidental purchases, up to $150 annually toward streaming services and other lifestyle expenses, up to $120 in statement credits toward Global Entry or TSA PreCheck® membership every four years and more.
Members also earn unlimited 2 points for every $1 spent on travel and dining purchases, and unlimited 1.5 points for every $1 spent on all other purchases. Rewards can be redeemed for travel, cash back, gift cards or various options available through a Bank of America concierge. Get a 20% discount on airfare when booking flights on points through the Bank of America Travel Center or the concierge.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Complimentary Priority Pass™ SelectTM membership for all eligible cardholders.
For travelers desiring the benefits of the ultra-wealthy, the UBS Visa Infinite Credit Card delivers. Although the card has a $650 annual fee, it is packed with perks that far outweigh its cost. It comes with a complimentary Priority PassTM Select membership for unlimited visits, plus up to $1,000 in annual credits — $500 toward airline fees, plus another $500 for dining, lounge fees or an Amazon Prime membership when you spend $25,000 each year.
The card lets you earn 3x points for commercial air travel, 2x points for eligible groceries, select digital entertainment, newspapers and cable TV, and 1 point for all other eligible purchases. Points have flexible redemption options, and booking flights through UBS Rewards offers the highest value. Cardholders have 24/7 access to a concierge, and they receive premium amenities at select premium hotel brands, like Ritz-Carlton, Fairmont and Park Hyatt. The UBS Visa Infinite Credit Card also functions like a debit card, enabling cardholders to withdraw cash from an eligible linked account without incurring finance charges or cash advance fees. Additionally, it includes unlimited ATM fee rebates of up to $10 per transaction. It also includes robust cell phone protection with up to $1,500 in annual reimbursements when you pay your bill with your card.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Four free lounge visits per year. Additional entries or guests are charged a per-visit rate.
Airport lounge access usually involves getting a premium travel credit card with a hefty price tag. The U.S. Bank Altitude® Connect Visa Signature® Card is the best credit card for airport lounge access for travelers on a budget. U.S. Bank Priority Pass access includes four free visits per year. If you’re an infrequent lounge user, this may be the best Priority PassTM card for you. Its benefits also include up to $100 toward TSA Precheck® or Global Entry once every four years, complimentary travel protections and no foreign transaction fees. It’s rare that a credit card with no annual fee includes so many premium benefits.
This card’s highest earning power of five points per dollar is earned by booking prepaid hotels or rental cars through the Altitude Rewards Center. Travel, gas stations and EV charging earn four points per dollar, but bonus points on gas and EV charges are limited to the first $1,000 you spend each quarter. Plus, you’ll receive two points per dollar on dining, streaming services and at grocery stores and one point per dollar on everything else. Earn 20,000 bonus points when you spend $1,000 in net purchases within the first 90 days of account opening.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Complimentary Priority PassTM lounge access for eligible card members (enrollment required).
The best credit card with airport lounge access for business travelers is The Business Platinum Card® from American Express. It offers ultimate luxury benefits, including access to the Global Lounge Collection, complimentary hotel elite status at select hotels* and numerous travel credits. Not only does its Priority Pass* lounge access include unlimited visits, but The Business Platinum Card® from American Express also includes access to Centurion Lounges, Delta Sky Clubs when flying Delta (10 visits per year) and other independent lounges that are part of the collection.
Plus, cardholders can get a Global Entry or TSA PreCheck® application fee credit* and an annual CLEAR Plus membership credit* (up to $209) to get through airport security to enjoy the lounges quickly (subject to auto-renewal).
Other benefits that help make up for the annual fee include an annual credit of up to $1,150 toward Dell Technologies*, up to $360 in credits toward Indeed purchases each year*, up to $120 in statement credits toward eligible wireless purchases annually*, up to $250 in annual statement credits toward Adobe*, a $200 annual statement credit offer toward eligible airline incidental purchases* and more.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Complimentary Priority Pass™ access for all primary and additional cardholders with up to two free guests per visit. Additional guests are $35 each.
The Capital One Venture X Business offers unlimited 2 miles per dollar and flexible redemptions, including transfers to 15+ airline and hotel loyalty programs. It includes complimentary access to Priority Pass™ lounges and Capital One Lounges for primary cardholders and employee cards. However, starting Feb. 1, 2026, there will be a $125 annual fee for authorized users to retain these perks.
While this business travel card has a reasonable $395 annual fee, you can offset that cost by using its annual travel credit up $300 for bookings through Capital One’s travel portal and 10,000 anniversary miles. New cardholders can earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening. While the welcome bonus is appealing, make sure you can reasonably spend that much without overextending yourself because this is a charge card that requires paying off your balance in full each month.
How beneficial is having a Priority Pass membership? For starters, you’ll have access to more than 1,700 airport lounges around the world. While airport lounges are designed to escape the buzz of loud airports, each lounge has unique amenities to allow travelers to have an enjoyable experience.
Most Priority Pass lounges offer the following complimentary perks:
Each lounge will vary in its amenities, so be sure to check ahead before you arrive. Some lounges will even offer exceptional amenities, such as spa treatments, massage rooms, sleeping areas, showers and conference rooms. In addition, as a Priority Pass member, you can save money with exclusive airport dining, retail and spa offers through the Priority Pass app or on your digital account.
If you decide to get a credit card with Priority Pass, you’ll have to take a few steps before visiting your first lounge.
Once you have your membership card (physical or digital), you can visit eligible lounges at the airport. You’ll need to show your membership card (or the app) for entry, as well as a same-day boarding pass in order to be eligible for a lounge visit. You can enter lounges before your departure from an airport or during a layover. If you don’t have a continuing flight that day, you may not be able to use your membership for lounge entry upon arrival.
For travelers who value airport lounge access, it’s worth opening a credit card with complimentary access to Priority Pass. If your credit card doesn’t offer free access, you may wonder how much a Priority Pass membership would cost if you were to buy one yourself. Standard Priority Pass membership plans start at $99 per year, plus $35 per visit. The top-tier plan offered by Priority Pass (called Prestige) costs $469 per year, with all-inclusive visits and guest passes at $35 each.
Annual fee | Member visit fee | Guest visit fee | |
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Standard | $99 | $35 | $35 |
Standard Plus | $329 | 10 visits free, then $35 thereafter | $35 |
Prestige | $469 | Free | $35 |
There are numerous travel cards with lounge access, but their annual fees, rewards and benefits vary. For a credit card with a $550 annual fee to beat the cost of a Standard membership, you’ll need to visit a Priority Pass lounge 13 times within a year. However, don’t forget that opening a rewards credit card comes with a variety of other benefits beyond airport lounge access — like rewards and travel credits — that help justify the annual fee. For example, the best credit cards for airport lounges typically offer generous welcome bonuses worth $500 or more the first year, plus points or miles for every dollar you spend.
Still, if you’re looking for lounge access, keep in mind that there are more ways to get free airline lounge access than through Priority Pass. For example, on a business-class ticket, the airline will most likely include access to its lounge in the fare. In addition, most airlines offer co-branded credit cards that give you free access to the airline’s lounges, with comparable annual fees to other premium travel cards. This can be a good option if you frequently travel with a major airline with convenient lounge locations.
The cost of Priority Pass membership ranges from $99 for a standard membership with a $35 fee for each entry to $469 for a Prestige membership with unlimited free lounge access.
The least expensive travel credit card with a complimentary Priority Pass™ SelectTM membership that includes unlimited visits is the Capital One Venture X Rewards Credit Card, which has a $395 annual fee. If you want to know how to get limited Priority Pass access for an even lower fee, the U.S. Bank Altitude® Connect Visa Signature® Card offers Priority Pass lounge access with an U.S. Bank Altitude® Connect Visa Signature® Card annual fee. You’re limited to four complimentary visits per year before incurring a per-visit charge.
Popular consumer credit cards with Priority Pass membership include the Capital One Venture X Rewards Credit Card, the Chase Sapphire Reserve®, the American Express Platinum Card®*, the Marriott Bonvoy Brilliant® American Express® Card* and the Bank of America® Premium Rewards® Elite Credit Card. Business travel cards like the Capital One Venture X Business and The Business Platinum Card® from American Express* also include lounge access.
Priority Pass lounges can be crowded, but they can be relatively empty depending on the lounge location and time of day. When lounges are crowded or overcrowded, Priority Pass membership has the right to stop more people from entering.
There are no limits on how many times you can use a lounge in a day, or even a year, as long as you have an eligible same-day boarding pass to prove you’re flying that day. However, the number of free entries you receive depends on your card benefits or membership tier.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the Chase Sapphire Reserve®, Bank of America® Premium Rewards® Elite Credit Card, UBS Visa Infinite Credit Card and U.S. Bank Altitude® Connect Visa Signature® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.