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RATING
2021

Best Credit Cards That Provide Airport Lounge Access

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Ready to get your lounge on? These credit cards provide access (either free or at a price) to a variety of airport lounges, from Priority Pass to Delta Sky Club to Amex Centurion.

How We Picked These Cards Is an Airport Lounge Credit Card Right for You?

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

The information related to Hilton Honors American Express Aspire Card, Hilton Honors American Express Surpass® Card, The Business Platinum Card® from American Express, Delta SkyMiles® Reserve Business American Express Card, Delta SkyMiles® Platinum Business American Express Card, The Hilton Honors American Express Business Card, American Express® Green Card, and Centurion® Card from American Express have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

How We Picked These Cards

We’ve rounded up all the credit cards that offer some form of airport lounge access, broken down by card type and lounge brand.

The most valuable cards — those that offer unlimited free lounge visits — are listed first for each category, while the more restrictive cards come later.

You’ll find a wide range of options, from no annual fee to over $500 per year. No matter what lounge brand you like, or whether you travel once in a while or practically nonstop, you’re sure to find a card to make your trips a little more comfortable.

Is an Airport Lounge Credit Card Right for You?

How often do you fly? Once or twice per year, every other month, or practically nonstop? If you spend much time in airports, you’ve no doubt glanced at a lounge or two.

Inclusive meals and drinks, showers, a quiet place to work or relax: Airport lounges can be a welcome reprieve for a weary traveler, or a fun launchpad for a vacation.

If you’ve looked enviously at airport lounges, and want an easy and inexpensive way to access them, a credit card could be the way to go.

Memberships are pricey, and day passes can run $30 to $50 or more. But many credit cards offer lounge access either via memberships or on a per-entry basis, giving you a way to earn credit card rewards, take advantage of perks, and enter lounges all in one.

You’ll find cards at a variety of price points, in terms of annual fees. Frequent travelers can go with a premium travel card with a high fee (which would typically provide unlimited lounge visits), while infrequent travelers might want a card with no or a low annual fee (which would typically provide some number of free lounge visits per year).

Most cards here offer some form of the common Priority Pass Select membership, which gets you into over 1,000 lounges around the world. But some other cards provide access to more lounge brands, including the Amex Centurion Lounges, or airline-specific lounges like Delta Sky Clubs and Admirals Clubs.

Best Pick For...

Wide-Ranging Lounge Access

The Platinum Card® from American Express

Our rating:
  • Min. credit levelGood
  • Annual Fee$695
  • Purchase APRSee Pay Over Time APR

Rates & Fees

  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • 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 $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®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $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 $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 annual fee.
  • Terms Apply.
Airport Lounge Access

The Platinum Card® from American Express (Review) is the best card for airport lounge access, providing cardholders with the Amex Global Lounge Collection.

That includes the fairly common Priority Pass Select membership, along with access to the more exclusive Amex Centurion Lounges, plus Delta Sky Clubs and a variety of others.

There’s a business version of this with the same lounge access, which is the runner up here, along with the Centurion Card (but that’s invite only).

Global Lounge Collection Brands

The Global Lounge Collection provides unlimited visits to the following lounges for Platinum cardholders, with certain restrictions. While most cards just provide access to one lounge brand, the Amex Platinum card stands out for such a broad offering. If you want to relax at every airport you ever visit, this card will give you the best chance of finding a lounge you can enter.

Lounge Brand Access Details
Airspace Lounge
  • Cardholder, spouse, children under 21, and up to two guests can enter for free
International American Express Lounge
  • Cardholder and one guest can enter for free
The Centurion Lounge
  • Cardholder and up to two guests can enter for free
Delta Sky Club
  • Cardholder can enter for free
  • Up to two guests can enter for $29 per person
  • Same-day Delta boarding pass required
Escape Lounge
  • Cardholder and up to two guests can enter for free
Lufthansa
  • Cardholder can enter for free
  • Some locations allow guests for a fee
  • Same-day Lufthansa boarding pass required
Plaza Premium Lounge
  • Cardholder and up to two guests can enter for free
Priority Pass
  • Cardholder and up to two guests can enter for free
  • Additional guests cost $32
  • Complimentary membership
  • Enrollment required
  • Some lounges do not admit guests
  • Excludes non-lounge experiences

Authorized card users can access these lounges as well. Up to three Platinum authorized users can be designated for a total price of $175. After that, each additional Platinum authorized user will cost $175.

Authorized users have the same lounge access in most cases, but there might be some restrictions. If you’re not totally sure you can enter a particular lounge as an authorized user, call and check before you make travel plans.

Key Features
Spending Rewards
  • 5X Membership Rewards points per dollar on:
    • Flights booked directly through airlines or through Amex Travel (on up to $500,000 spent per calendar year, then 1X)
    • Prepaid hotels booked through Amex Travel
  • 2X Membership Rewards points per dollar on other eligible travel expenses booked through Amex Travel
  • 1X Membership Rewards point per dollar on all other eligible purchases
Introductory Bonus
  • 100,000 bonus points for spending $6,000 in the first 6 months; 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during the first 6 months
  • Global Lounge Collection: Enroll for complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges.
  • Up to $200 in annual Uber Cash: Add your Platinum card to the Uber App to get up to $15 in Uber Cash per month, plus a bonus $20 in December; U.S. Eats orders and rides only.
  • $200 hotel credit: Get up to $200 in statement credits each year for prepaid hotels booked through The Hotel Collection and Fine Hotels & Resorts; must pay with the Platinum card.
  • $300 Equinox credit: Pay with your Platinum card to get up to $300 in statement credits annually with Equinox (up to $25 per month), for Equinox All Access, Destination, E by Equinox, or Equinox+ membership fees.
  • $240 digital entertainment credit: Pay with your Platinum card to get up to $240 in statement credits annually for digital entertainment (up to $20 per month), only for eligible purchases from Peacock, Audible, SiriusXM, and The New York Times.
  • CLEAR credit: Up to $179 in statement credits annually for CLEAR biometric security, enough for a membership.
  • Uber Eats Pass: Get unlimited $0 delivery fees and 5% off orders at eligible restaurants for 12 months; must enroll by 12/31/21. Taxes and service fees may apply and do not count toward the order minimum. Eats Pass will start auto-billing 12 months from enrollment, at then-current monthly rate. Learn more.
  • Uber VIP status: Add your Platinum card to the Uber App to get Uber VIP status where available.
  • Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 every four years) or TSA PreCheck ($85 once every four and a half years)
  • Complimentary elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
  • The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
  • Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, amenities valued at $100, and more at eligible properties
  • $100 annual Saks credit: Up to $100 in statement credits each year for Saks Fifth Avenue: $50 from January through June, and $50 from July through December
  • Global Dining Access by Resy: Resy provides access to exclusive reservations and dining experiences.
  • Point transfer: To a selection of airline and hotel loyalty programs
  • Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
  • No foreign transaction fee
  • Annual fee: $695

Enrollment required for select benefits; terms and limitations apply.

The Platinum Card® from American Express (Rates & Fees)

Runner Up2

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express (Review) offers the same excellent airport lounge access as the consumer Platinum Card. At $595 ($695 if application is received on or after 1/13/2022), this card isn’t cheap, but it provides some business-specific perks and features that aren’t available with the consumer counterpart.

Authorized users cost $300 each for the Business Platinum card, and they have the same lounge access for the most part. In some cases authorized users may be limited, however. If you’re planning to use an authorized user card to get into a lounge you’ve never been to before, it might be wise to call and check before you go. (Rates & Fees)

Enrollment required for select benefits; terms and limitations apply.

View card details

Centurion® Card from American Express

The Centurion® Card from American Express comes with the same Global Lounge Collection as the Platinum card.

Read more about the Centurion card: The American Express “Black” Card: Everything You Need to Know

View card details

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Premium Travel Credit Card

Chase Sapphire Reserve®

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  • Min. credit levelExcellent
  • Annual Fee$550
  • Purchase APR16.99%-23.99% Variable
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 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. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel 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, 50,000 points are worth $750 toward travel
  • With Pay Yourself Backâ , your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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 Passâ ¢ Select and up to $100 application fee credit for Global Entry or TSA Preâa”®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Airport Lounge Access

The Chase Sapphire Reserve® (Review) is one of our favorite travel credit cards. It boasts a strong rewards program that’ll serve you well for domestic or foreign trips, whether you’re booking flights or dining out.

Along with your Priority Pass access you’ll have a nice travel credit to help knock down the annual fee, plus an airport security credit and excellent travel insurance perks. Learn more about making the most of your Sapphire Reserve benefits here.

Lounge Brand Access Details
Priority Pass
  • Cardholder and up to two guests can enter for free
  • Additional guests are $32 each
  • Complimentary membership
  • Enrollment required
  • Some lounges do not admit guests

Authorized users cost $75 each per year, and get the same access to Priority Pass lounges.

Rewards
Spending Rewards
  • 10X Ultimate Rewards points per dollar:
    • Chase Dining through Ultimate Rewards
    • Hotel stays and Car rentals through Ultimate Rewards (after the full travel credit is used)
    • Lyft rides (through 3/31/22)
  • 5X Ultimate Rewards points per dollar on Air travel through Ultimate Rewards (after the full travel credit is used)
  • 3X Ultimate Rewards points per dollar:
    • Travel (after the full travel credit is used)
    • Dining
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
  • 50,000 bonus points after spending $4,000 on purchases in the first 3 months
Key Features
  • 50% point bonus: A 50% bonus on points redeemed for travel purchases through Chase Ultimate Rewards (comes to 1.5 cents per point)
  • $300 annual travel credit: Good for any travel expenses, unlike the credits you get with some other cards
  • $120 Peloton credit: Enroll to get up to $120 back for an eligible Peloton Digital or All-Access Membership (through 2021). No fitness equipment is required.
  • Luxury Hotel & Resort Collection: With perks like daily breakfast for two and free WiFi
  • Elite Hotel Benefits at Relais & Châteaux: Get Club 5C status after staying two nights at qualifying properties in a given year.
  • Special car rental privileges: At Avis, Silvercar, and National Car Rental
  • Primary car rental insurance: Decline the car rental company’s insurance to get primary coverage for eligible rented vehicles.
  • Lyft Pink membership: One free year of Lyft Pink, which includes 15% off rides, relaxed cancellations, surprise offers, and priority airport pickup
  • DoorDash membership: A free membership (DashPass) for a year, which provides free delivery and reduced service fees on orders over $12
  • $60 annual DoorDash credit: Get $60 in DoorDash credits in 2020, and $60 in credits in 2021
  • No foreign transaction fee
  • Annual fee: $550; $75 per authorized user
  • Metal credit card
Runners Up3

U.S. Bank Altitude Reserve Visa Infinite® Card

Lounge Brand Access Details
Priority Pass
  • First four visits for the cardholder are free
  • First four guest visits are free
  • After that, each visit costs $27 per person
  • Enrollment required
  • Complimentary 12-month membership only

Only the primary cardholder will get this Priority Pass Select benefit. Authorized users will not have access.

View card details

Crystal® Visa Infinite® Credit Card

Lounge Brand Access Details
Priority Pass
  • Unlimited access for two cardholders
  • Guests cost $32 each
  • Two complimentary memberships
  • Enrollment required
  • Some lounges do not admit guest

This is perhaps the only card to provide two full Priority Pass Select memberships. Those memberships can go to anyone on the account: the primary cardholder, any joint account holders, and any authorized users.

You can add authorized users for a $95 fee.

View card details

HSBC Premier World Elite Mastercard® Credit Card

Lounge Brand Access Details
LoungeKey
  • Cardholder gets two free visits per year
  • Additional visits cost $32 per person
  • 15% discount at select airport merchants
  • Must create a LoungeKey account
  • Includes dining, retail, and spa offers
  • Use the app to find lounges and offers

Authorized users for this card cost $65 each per year, and they will have the same LoungeKey access as the primary cardholder.

View card details
Premium Travel Card for Hotel Stays

Citi Prestige® Card

Our rating:
  • Min. credit levelGood
  • Annual Fee$495
  • Purchase APR16.99%–23.99% Variable
  • 5X ThankYou points on Air travel and Restaurants
  • 3X ThankYou points on Hotels and Cruise Lines
  • No limit to the amount of points you can earn
  • Rewards never expire
  • $250 travel credit
  • Complimentary 4th night free on eligible hotel stays, capped at twice per year
  • Complimentary Priority Pass Select membership
  • Global Entry or TSA Pre✓ Application Fee Credit
  • No foreign transaction fees
  • $495 annual fee
Airport Lounge Access

The Citi Prestige® Card (Review) is much-loved for its fourth night free perk, even though it was recently downgraded to a twice-per-year limit. You can still use it to get an awesome discount, especially for more expensive hotels.

This travel card’s bonus categories (which include air travel and hotels) pair nicely with the Priority Pass and fourth night benefits, making it easy to maximize the card’s value — you can earn rewards and tap into various benefits for several legs of your journey.

Lounge Brand Access Details
Priority Pass
  • Unlimited access for the cardholder
  • Immediate family and up to two guests can enter for free
  • Additional guests cost $27 each
  • Complimentary membership
  • Enrollment required
  • Some lounges do not admit guests

Authorized users cost $75 each, and they can access this lounge perk as well.

Rewards
Spending Rewards
  • 5X ThankYou points per dollar spent on:
    • Air travel
    • Restaurants
  • 3X ThankYou points per dollar spent on:
    • Hotels
    • Cruise lines
  • 1X ThankYou point per dollar spent on everything else
Introductory Bonus
  • 50,000 ThankYou points for spending $4,000 within 3 months of account opening
Key Features
  • Complimentary 4th Night Free: Get your fourth night free on stays of four nights or more when booked through ThankYou.com, capped at twice per year.
  • $250 annual travel credit: Good for airline tickets, hotel rooms, car rentals, and other travel expenses
  • Global Entry or TSA PreCheck credit: A credit for the Global Entry ($100) or TSA Pre✓ ($85) application fee, once every five years
  • Citi Prestige Concierge: Call for non-emergency help at any time, like making reservations or finding hotels.
  • Mastercard Airport Concierge: Get a 15% discount on select airport services.
  • No foreign transaction fee
  • Annual fee: $495; $75 per authorized user
  • Metal credit card
Runners Up4

Marriott Bonvoy Brilliant™ American Express® Card

Lounge Brand Access Details
Priority Pass
  • Cardholder and up to two guests can enter for free
  • Additional guests cost $32
  • Complimentary membership
  • Enrollment required
  • Some lounges do not admit guests
  • Excludes non-lounge experiences

Enrollment required for select benefits; terms and limitations apply.

View card details

Hilton Honors American Express Aspire Card

Lounge Brand Access Details
Priority Pass
  • Cardholder and up to two guests can enter for free
  • Additional guests cost $32
  • Complimentary membership
  • Enrollment required
  • Some lounges do not admit guests
  • Excludes non-lounge experiences

Enrollment required for select benefits; terms and limitations apply.

View card details

Hilton Honors American Express Surpass® Card

Lounge Brand Access Details
Priority Pass
  • 10 complimentary visits per year
  • Additional visits cost $32 per person
  • Enrollment required
  • Some lounges do not admit guests
  • Excludes non-lounge experience

Authorized users do not get additional lounge visits.

Enrollment required for select benefits; terms and limitations apply.

View card details

The Hilton Honors American Express Business Card

Lounge Brand Access Details
Priority Pass
  • 10 complimentary visits per year
  • Additional visits cost $32 per person
  • Enrollment required
  • Some lounges do not admit guests
  • Excludes non-lounge experience

Authorized users do not get additional lounge visits.

Enrollment required for select benefits; terms and limitations apply.

View card details

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Unlimited Priority Pass Guests

Mastercard® Black Card™

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  • Min. credit levelExcellent
  • Annual Fee$495
  • Purchase APR14.99% Variable
  • Patented black-PVD-coated metal card—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent.
  • Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
  • Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest.
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.
Airport Lounge Access

The Mastercard® Black Card™ (Review) is expensive for what you get, and we wouldn’t typically recommend it, but it has one standout feature that sets it apart: It allows for unlimited guests at Priority Pass lounges.

There are a few cards that allow for unlimited guests, and this is probably the easiest to get. The other Luxury Card that provides it has quite the annual fee and is an even harder pill to swallow; and the only other option, the Crystal® Visa Infinite® Credit Card, is not always available and requires you to be a City National Bank client (but it actually provides two full Priority Pass memberships!).

Lounge Brand Access Details
Priority Pass
  • Unlimited access for the cardholder and unlimited guests
  • Complimentary membership
  • No enrollment required
  • Some lounges do not admit guests

Unlike most cards, you don’t have to manually enroll in Priority Pass Select when you get either the Mastercard Black or Gold card; you’ll be automatically enrolled after you’re approved.

Authorized users cost $195 each, and they can use this lounge benefit as well.

Rewards
Spending Rewards
  • 1X point per dollar for all purchases
    • Cash back redemption value: 1.5% cash back
    • Airfare redemption value: 2% cash back
Key Features
  • $100 annual air travel credit: Good for flight tickets, baggage fees, upgrades, and other expenses
  • Global Entry application fee credit: A $100 credit for the Global Entry application fee, once every five years (Global Entry can include TSA PreCheck)
  • Airport Meet & Assist: Have a professional meet and escort you through the airport to save time and avoid hassle.
  • Luxury Card Concierge: Call or use the app for non-emergency assistance at any time.
  • No foreign transaction fee
  • Annual fee: $495; $195 per authorized user
  • Metal credit card
Runners Up2

Mastercard® Gold Card™

Lounge Brand Access Details
Priority Pass
  • Unlimited access for the cardholder and unlimited guests
  • Complimentary membership
  • No enrollment required
  • Some lounges do not admit guest

The Mastercard® Gold Card™ (Review) is quite expensive at $995 per year. Representing the high end of the Luxury Card lineup, it has the same lounge access as the cheaper Mastercard Black Card.

Authorized users cost $295 each, and they can use this lounge benefit as well.

View card details

Crystal® Visa Infinite® Credit Card

Lounge Brand Access Details
Priority Pass
  • Unlimited access for two cardholders
  • Guests cost $32 each
  • Two complimentary memberships
  • Enrollment required
  • Some lounges do not admit guest

This is perhaps the only card to provide two full Priority Pass Select memberships. Those memberships can go to anyone on the account: the primary cardholder, any joint account holders, and any authorized users.

You can add authorized users for a $95 fee.

View card details
Low Annual Fee Lounge Access

UNFCU® Elite Visa® Card

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  • Min. credit levelGood
  • Annual Fee$50
  • Purchase APR0% for 6 months, then 9.90% Variable
  • 2X points per dollar spent on groceries, restaurants, online meal delivery services
  • 1X point per dollar spent on all other purchases
  • 0% intro APR for purchases for 6 months, then your rates will be 9.90% Variable
  • Complimentary Priority Pass Select membership with 5 free visits
  • Concierge services
  • Lock and unlock your card
  • $50 annual fee
  • No foreign transaction fees
Airport Lounge Access

This card provides consistent Priority Pass lounge access at the lowest annual fee, though you’ll only get a handful of free visits per year. There are some cards without annual fees that can provide access through bonus offers, and you’ll find them in the runners up here, but you’d actually end up paying more for a more expensive lounge deal with them.

To get the UNFCU® Elite Visa® Card you’ll need to be a UNFCU member. Employees of the United Nations are eligible to join the UNFCU, along with members of their families and some other individuals.

If you don’t meet the criteria, you can join the United Nations Association of the United States of America (UNA-USA) for $25. Then you’ll be eligible to join the UNFCU.

Lounge Brand Access Details
Priority Pass
  • Five free visits annually
  • Additional visits will cost $32 per person
  • Complimentary membership
  • Enrollment required
  • Some lounges do not admit guests

Up to three authorized users can be added to your account for free, but they do not receive extra free visits.

Rewards
Spending Rewards
  • 2X points per dollar spent on:
    • Groceries
    • Restaurants
    • Online food delivery services
  • 1X point per dollar spent on all other purchases
Key Features
  • Visa Concierge: Call your personal Visa assistant at any time for non-emergency help.
  • Travel and shopping protections: Like Lost Luggage Reimbursement, Travel Accident Insurance, and Trip Interruption Insurance
  • Purchase and Balance Transfer APR: 0% for 6 months, then 9.90% Variable
  • No foreign transaction fee
  • Annual fee: $50; no fee for authorized users
Runner Up2

PenFed Pathfinder® Rewards Visa Signature® Card

Lounge Brand Access Details
Priority Pass
  • See terms
  • See terms
View card details

Deserve Edu Mastercard

Lounge Brand Access Details
Priority Pass
  • Entry costs $32 per person
  • Must spend $1,000 within either 120 or 155 days of receiving the offer, depending on offer details
  • 12-month membership only
  • Enrollment required
  • Must use Deserve card as preferred payment method for Priority Pass
  • Deserve card must be in good standing and on file with Priority Pass at the time of lounge visit

The Deserve Edu Mastercard (Review) may provide some cardholders with an offer for a one-year Priority Pass Select membership for spending a certain amount. The amount of time you get will depend on your specific offer: Current cardholders who receive an offer will get 120 days, while new cardholders who get an offer while applying will get 155 days.

Authorized users are currently not allowed with Deserve cards.

View card details
LoungeBuddy Access

American Express® Green Card

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  • Min. credit levelExcellent
  • Annual Fee$150
  • Purchase APRSee Pay Over Time APR

Rates & Fees

  • Earn 30,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months.
  • Earn 3X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
  • Earn 3X Membership Rewards® points on all eligible travel, from subway swipes and window seats to hotel stays and city tours.
  • Earn up to $100 in annual statement credits to help you get through security faster with CLEAR®.
  • Earn up to $100 in annual statement credits to access 750+ airport lounges globally through LoungeBuddy.
  • No Foreign Transaction Fees.
  • $150 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Airport Lounge Access

The American Express® Green Card has been newly upgraded, and now includes credits with a popular lounge brand aggregator: LoungeBuddy.

Cardholders get $100 in annual credits to spend with LoungeBuddy, and that can get you into a variety of different lounges, from wide-ranging access brands like Priority Pass and DragonPass to airline-specific brands like Delta Sky Club and Southwest Airlines Lounges.

A lot of cards provide a Priority Pass Select membership, but if you’re not enamored with those lounges you might want to check out what LoungeBuddy has to offer.

Lounge Brand Access Details
LoungeBuddy
  • $100 in annual credits for purchases
  • Must pay with your Green card on the LoungeBuddy website or app

Your $100 in credits will apply to purchases of LoungeBuddy access made through the LoungeBuddy website or app. The credits will arrive two to four weeks after making purchases.

Depending on the lounge brands you want to enter, $100 could get you two to three visits per year, or perhaps more. LoungeBuddy brands include Priority Pass, DragonPass, Delta Sky Club, United Lounge, Plaza Premium Lounge, and more.

Purchases made by authorized users are eligible for the credits, but only $100 in credits in total will be available for any card account per calendar year.

Rewards
Spending Rewards
  • 3X points per dollar for:
    • Travel
    • Restaurants
  • 1X point per dollar for all other eligible purchases
Introductory Bonus
  • 30,000 bonus points for spending $2,000 in the first 3 months
Key Features
  • $100 annual CLEAR credit: Up to $100 in credit per year for a CLEAR membership, which provides expedited security screening at certain airports, stadiums, and events
  • Point transfer: To a selection of airline and hotel partners, like British Airways, Delta, Marriott, and Choice Privileges
  • Amex Offers: Find significant discounts at a changing selection of merchants and websites.
  • Complimentary ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating online retailers.
  • Travel protections: Baggage Insurance Plan, Car Rental Loss and Damage Insurance
  • No foreign transaction fee
  • Annual fee: $150

American Express® Green Card (Rates & Fees)

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  • Min. credit levelExcellent
  • Annual Fee$450
  • Purchase APR15.74%-24.74% (Variable)

Rates & Fees

  • Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you use your new Card to make $4,000 in eligible purchases within the first 3 months of Card Membership. Plus, enjoy a free Weekend Night Reward within your first year and every year after renewal.
  • Earn 14X Hilton Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio.
  • Earn 7X Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies & at U.S. restaurants.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Enjoy up to $250 in Hilton Resort Credits on your Card each anniversary year, when you stay at participating resorts within the Hilton portfolio.
  • Enjoy complimentary Diamond status with your Hilton Honors Aspire Card.
  • $450 annual fee.
  • Terms Apply.
Airport Lounge Access

The Aspire is your premium Hilton credit card option, with a bevy of perks to help make your stays a bit cheaper and more pleasant. These include the highest elite hotel status, over $500 in annual credits, and at least one free weekend night per year.

You’ll enjoy unlimited access to Priority Pass lounges, but, since this is an Amex card, you won’t get any Priority Pass restaurant credits — an unfortunate update to the program.

Lounge Brand Access Details
Priority Pass
  • Cardholder and up to two guests can enter for free
  • Additional guests cost $32
  • Complimentary membership
  • Enrollment required
  • Some lounges do not admit guests
  • Excludes non-lounge experiences
Rewards
Spending Rewards
  • 14X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort in the Hilton portfolio
  • 7X Hilton Honors points per dollar for:
    • Flights booked directly with airlines or amextravel.com
    • Car rentals booked directly from select car rental companies
    • U.S. restaurants
  • 3X Hilton Honors points per dollar on all other eligible purchases
Introductory Bonus
  • 150,000 bonus points for spending $4,000 on purchases in the first 3 months after account opening
Key Features
  • Hilton Honors Diamond status: Includes a 100% bonus on Base points earned, room upgrades to suites when available, executive lounge access, a 48-hour room guarantee, and more
  • Annual free Weekend Night Award: One free night every year, and earn another free weekend night by spending $60,000 in a calendar year
  • Annual $250 Hilton resort statement credit: Get up to $250 in Hilton Resort Credits on your Card each anniversary year, when you stay at participating resorts within the Hilton portfolio
  • Annual $250 airline fee statement credit: For incidental fees only
  • $100 Hilton on-property credit: Good for every eligible stay of two nights or more at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts, valid for incidental fees only
  • Priority Pass Select membership: Complimentary access to Priority Pass airport lounges (excludes non-lounge experiences)
  • American Express Concierge: Call for help with select services, like buying event tickets, making dining and other reservations, and finding hard-to-find items.
  • Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
  • No foreign transaction fee
  • Annual fee: $450

Enrollment required for select benefits; terms and limitations apply.

Hilton Honors American Express Aspire Card (Rates & Fees)

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Hilton Honors American Express Surpass® Card

Lounge Brand Access Details
Priority Pass
  • 10 complimentary visits per year
  • Additional visits cost $32 per person
  • Enrollment required
  • Some lounges do not admit guests
  • Excludes non-lounge experience

Authorized users do not get additional lounge visits.

Enrollment required for select benefits; terms and limitations apply.

Enrollment required for select benefits; terms and limitations apply.

View card details

The Hilton Honors American Express Business Card

Lounge Brand Access Details
Priority Pass
  • 10 complimentary visits per year
  • Additional visits cost $32 per person
  • Enrollment required
  • Some lounges do not admit guests
  • Excludes non-lounge experience

Authorized users do not get additional lounge visits.

Enrollment required for select benefits; terms and limitations apply.

Enrollment required for select benefits; terms and limitations apply.

View card details

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Marriott Bonvoy Travelers

Marriott Bonvoy Brilliant™ American Express® Card

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  • Min. credit levelGood
  • Annual Fee$450
  • Purchase APR15.74% - 24.74% Variable

Rates & Fees

  • Limited Time Offer: Earn 150,000 Marriott Bonvoy bonus points and a bonus Free Night Award after you use your new Card to make $5,000 in eligible purchases within the first 3 months of Card Membership. Resort fees may apply. Terms apply. Offer expires 11/3/2021.
  • Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at hotels participating in the Marriott Bonvoy™ program.
  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
  • Receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at hotels participating in the Marriott Bonvoy™ program. Certain hotels have resort fees.
  • Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
  • No Foreign Transaction Fees.
  • $450 Annual Fee.
  • Terms Apply.
Airport Lounge Access

The Brilliant card is one of the better premium hotel cards, with plenty of valuable credits and features to help offset its annual fee. There are a few other Marriott Bonvoy credit cards, but this is the only one with any kind of airport lounge access.

Like the Platinum and Hilton Aspire above, this is an Amex card, so you won’t get any restaurant credits to go along with your lounging.

Lounge Brand Access Details
Priority Pass
  • Cardholder and up to two guests can enter for free
  • Additional guests cost $32
  • Complimentary membership
  • Enrollment required
  • Some lounges do not admit guests
  • Excludes non-lounge experiences
Rewards
Spending Rewards
  • 6X Marriott Bonvoy Bonus points per dollar for eligible purchases charged on your Card directly with participating Marriott Bonvoy hotels
  • 3X Marriott Bonvoy points per dollar:
    • U.S. restaurants
    • Flights booked directly with airlines
  • 2X Marriott Bonvoy points per dollar on all other eligible purchases
Introductory Bonus
  • 150,000 Bonus points and a bonus Free Night Award for spending $5,000 in the first 3 months. Resort fees may apply. Terms apply. Offer expires 11/3/2021.
Key Features
  • $300 annual Marriott Bonvoy hotel credit: Up to $300 in statement credits for eligible purchases
  • Free Night Award: Every year after your account anniversary you’ll get a Free Night Award, good for redemption values of 50,000 points or less.
  • Priority Pass Select membership: Free access to Priority Pass airport lounges for you and up to two guests (excludes non-lounge experiences)
  • Application fee credit for Global Entry or TSA PreCheck: A statement credit for the application fee of either Global Entry ($100 every five years) or TSA PreCheck ($85 every four-and-a-half years)
  • Complimentary Gold Elite hotel status: Includes perks like a 25% bonus on base points, 2 p.m. late checkout, and more
  • 15 Elite Night Credits: Each year you’ll get 15 Elite Night Credits towards a higher member status.
  • $100 property credit: Earn up to $100 in property credits when booking at least two nights direct with a special rate code at The Ritz-Carlton or St. Regis.
  • Bonus points for airline transfers: Get 15,000 bonus points for every 60,000 points transferred to airline programs
  • Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
  • No foreign transaction fee
  • Annual fee: $450

Enrollment required for select benefits; terms and limitations apply.

Marriott Bonvoy Brilliant™ American Express® Card (Rates & Fees)

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  • Min. credit levelGood
  • Annual Fee$450
  • Purchase APR15.99% - 24.99% (Variable)
  • Earn 50,000 American Airlines AAdvantage®bonus miles after spending $5,000 in purchases 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
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • No Foreign Transaction Fees on purchases
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other 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 standard variable APR for Citi Flex Plan is 15.99% – 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
Airport Lounge Access

The Citi® / AAdvantage® Executive World Elite Mastercard® (Review), at a $450 annual fee, is your only option if you want a credit card with Admirals Club access.

This is a great perk if you regularly travel with family, as all of your designated authorized users get the same complimentary lounge access. But, before springing for the premium AA option, you may want to compare this card’s features to what you’d get from a less expensive American Airlines card.

Lounge Brand Access Details
Admirals Club
  • Cardholder and immediate family or two traveling companions can enter for free
  • Complimentary membership
  • Activation required

Authorized users can access Admirals Club lounges as well. Up to 10 authorized users can be added for free. However, certain affiliated lounges may be off limits to authorized users.

Rewards
Spending Rewards
  • 2X AAdvantage miles per dollar spent on eligible American Airlines purchases
  • 1X AAdvantage mile per dollar spent on all other purchases
Introductory Bonus
  • 50,000 AAdvantage bonus miles for spending $5,000 in the first 3 months of account opening
Key Features
  • First checked bag free: On American Airlines flights, for you and up to eight traveling companions
  • 25% savings on eligible in-flight purchases: A 25% discount on in-flight purchases of food and beverages on American Airlines flights
  • Global Entry or TSA PreCheck application credit: A statement credit for the Global Entry ($100) or TSA PreCheck ($85) application fee, once every five years
  • Enhanced Airport Experience: Get priority check-in, screening, and boarding privileges when available.
  • 10,000 Elite Qualifying Miles: Earn 10,000 Elite Qualifying Miles by spending $40,000 in a given account year.
  • No foreign transaction fee
  • Annual fee: $450; up to 10 authorized users for no fee

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Delta Sky Club Access

Delta SkyMiles® Reserve American Express Card

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  • Min. credit levelExcellent
  • Annual Fee$550
  • Purchase APR15.74% - 24.74% Variable

Rates & Fees

  • Limited Time Offer: Earn 80,000 Bonus Miles and 20,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
  • Earn up to 60,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $30,000 in purchases on your Card in a calendar year, you can earn 15,000 MQMs four times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Receive a Domestic First Class, Delta Comfort+® or 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 $75 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.
  • Complimentary access into the Delta Sky Club® for you when travelling on a Delta flight.
  • Enjoy complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner when you book a Delta flight with your Reserve Card.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • 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.
Airport Lounge Access

The Delta SkyMiles® Reserve American Express Card (Review) is a premium card for traveling with Delta airlines, with a sizable annual fee.

Like most other airline cards, you’ll earn some rewards but most of the value comes from the extra benefits, like free checked bags, priority boarding, annual companion passes. Cardholders receive complimentary access to Delta Sky Clubs and Centurion Lounges, which helps make this card worth the fee.

Lounge Brand Access Details
Delta Sky Club
  • Free access for cardholder when traveling on a same-day Delta-marketed or Delta-operated flight
  • Includes two free one-time Sky Club guest passes
  • Up to two guests per visit, for $39 per person
  • For Delta partner flights not operated or marketed by Delta, access is $39 per person
  • Complimentary membership
  • Entry requires ticket for same-day travel with Delta or a partner airline
Centurion Lounge
  • Free access for cardholder when traveling on a same-day Delta-marketed or Delta-operated flight
  • Up to two guests per visit, for $50 per person
  • Complimentary membership
  • Entry requires ticket for same-day travel with Delta or a partner airline

Authorized users cost $175 each, and will have the same lounge access.

Rewards
Spending Rewards
  • 3X SkyMiles per dollar for purchases made directly with Delta Air Lines
  • 1X SkyMile per dollar for all other eligible purchases
Introductory Bonus
  • 80,000 bonus miles and 20,000 MQMs for spending $5,000 in the first 3 months (offer expires 11/10/2021)
Key Features
  • Delta Sky Club and Centurion Lounge access: Get complimentary access to Delta Sky Clubs, with up to two guests at $39 each, plus complimentary access to Centurion Lounges, with up to two guests at $50 each. Includes two free Delta Sky Club one-time guest passes.
  • Annual Companion Certificate: A certificate for a Domestic First Class, Delta Comfort+, or Main Cabin round-trip flight
  • Status Boost: Earn 15,000 MQMs for spending $30,000, up to four times per calendar year.
  • First checked bag free on Delta flights: For you and up to eight traveling companions
  • Priority Boarding on Delta flights: Get on the plane more quickly with Zone 1 priority boarding.
  • Complimentary upgrades: If you don’t have Medallion status you can still get some upgrades for free.
  • 20% in-flight discount on Delta flights: A 20% discount, in the form of a statement credit, on eligible in-flight purchases, like food, beverages, movies, and audio headsets
  • No foreign transaction fee
  • Annual fee: $550

Enrollment required for select benefits; terms and limitations apply.

Delta SkyMiles® Reserve American Express Card (Rates & Fees)

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Delta SkyMiles® Platinum American Express Card

Lounge Brand Access Details
Delta Sky Club
  • $39 per person for cardholder and up to two guests
  • Requires ticket for same-day travel with Delta or a partner airline
  • Complimentary membership

Authorized users are free, and will have the same limited access to Delta Sky Clubs.

Enrollment required for select benefits; terms and limitations apply.

View card details

Delta SkyMiles® Reserve Business American Express Card

Lounge Brand Access Details
Delta Sky Club
  • Free access for cardholder when traveling on a same-day Delta-marketed or Delta-operated flight
  • Up to two guests per visit, for $39 per person
  • For Delta partner flights not operated or marketed by Delta, access is $39 per person
  • Requires ticket for same-day travel with Delta or a partner airline
  • Complimentary membership

Enrollment required for select benefits; terms and limitations apply.

View card details

Delta SkyMiles® Platinum Business American Express Card

Lounge Brand Access Details
Delta Sky Club
  • $39 per person for cardholder and up to two guests
  • Requires ticket for same-day travel with Delta or a partner airline
  • Complimentary membership

Authorized users are free, and will have the same limited access to Delta Sky Clubs.

Delta SkyMiles® Platinum Business American Express Card (Rates & Fees)

Enrollment required for select benefits; terms and limitations apply.

View card details
United Club Access

United Club℠ Infinite Card

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  • Min. credit levelExcellent
  • Annual Fee$525
  • Purchase APR16.49% - 23.49% Variable
  • Earn 75,000 Bonus Miles.
  • Earn 4 miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges.
  • Earn 2 miles per $1 spent on all other travel
  • Earn 2 miles per $1 spent on dining at restaurants and eligible delivery services
  • Earn 1 mile per $1 spent on all other purchases
  • Up to $100 Global Entry or TSA PreCheck® fee credit
  • Free first and second checked bags – a savings of up to $320 per roundtrip. Terms Apply
  • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights when you pay with your Club Card.
Airport Lounge Access

The United Club℠ Infinite Card (Review) is one of several co-branded United cards. It’s a premium travel card designed for United devotees, but its perks include some decent hotel benefits as well.

This card can get you into the United Club for free every time you fly, but a different United card may be a better fit if you won’t fly as much or don’t need to visit a lounge every trip. You’ll find some less expensive options in the runners up, but those cards charge for every lounge visit.

Lounge Brand Access Details
United Club and participating Star Alliance
  • Unlimited access for you and up to two guests, depending on location
  • Complimentary membership
  • Entry requires a boarding pass for same-day travel with United, Star Alliance, or a contracted partner

Authorized user cards are free, but authorized users do not get independent access to United Clubs.

Rewards
Spending Rewards
  • 4X miles per dollar spent on United purchases
  • 2X miles per dollar spent for:
    • Restaurants
    • Travel
  • 1X mile per dollar spent on all other purchases
Introductory Bonus
  • 75,000 bonus miles for spending $3,000 in the first 3 months
Key Features
  • Free first and second checked bags: For the primary cardholder and one companion traveling on the same reservation
  • World of Hyatt Discoverist status: Register to get a 10% point bonus, room upgrades, and more.
  • Hertz President’s Circle elite status: Join for a 25% bonus on Hertz Gold Plus Rewards Points along with other perks.
  • Premier upgrades on award tickets: Complimentary Premier Upgrades on United-operated flights, when available
  • Global Entry or TSA PreCheck fee credit: Get a $100 credit for the application fee of Global Entry, or $85 for TSA PreCheck, once every four years.
  • Luxury Hotel & Resort Collection: Get room upgrades, complimentary daily breakfast for two, and more.
  • Premier Access travel services: Get priority check-in, security screening, and boarding/baggage handling privileges.
  • No foreign transaction fees
  • Annual fee: $525; no fee for authorized users
Runners Up3

United℠ Explorer Card

Lounge Brand Access Details
United Club
  • Two one-time passes per year
  • Complimentary membership
  • Entry requires a boarding pass for same-day travel with United, Star Alliance, or a contracted partner

The Explorer’s access does not include Star Alliance airline lounges, like you get with the United Club card.

Authorized user cards are free, but they do not get additional United Club lounge passes.

View card details

United Club℠ Business Card

Lounge Brand Access Details
United Club and participating Star Alliance
  • Unlimited access for you and up to two guests, depending on location
  • Complimentary membership
  • Entry requires a boarding pass for same-day travel with United, Star Alliance, or a contracted partner

The United Club℠ Business Card is the high-end option if you want a business card for flying United, coming in at $450 per year.

Authorized user cards are free, but authorized users do not get independent access to United Clubs.

View card details

United℠ Business Card

Lounge Brand Access Details
United Club
  • Two one-time passes per year
  • Complimentary membership
  • Entry requires a boarding pass for same-day travel with United, Star Alliance, or a contracted partner

Authorized user cards are free, but they do not get additional United Club passes.

View card details
Lufthansa Business Lounge Access

Miles & More® World Elite Mastercard®

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  • Min. credit levelGood
  • Annual Fee$89 (waived for Senator and HON Circle Members)
  • Purchase APR15.99%, 19.99% or 24.99% Variable
  • 2X miles per dollar spent on tickets purchased from Miles & More integrated airline partners
  • 1X mile per dollar spent on all other purchases
  • 60,000 bonus miles for paying the annual fee and spending $3,000 in the first 90 days
  • 25,000 bonus miles for spending $20,000 in the first year
  • Introductory 0% balance transfer APR for 15 months (must be completed within the first 45 days), then your rate will be 15.99%, 19.99% or 24.99% Variable
  • Annual Companion Ticket awarded after making the first purchase and every year afterward
  • Two annual passes to the Lufthansa Business Lounge
  • Up to 15% discount on Miles & More hotel and car rental partners
  • No foreign transaction fees
  • Annual fee: $89 (waived for Senator and HON Circle Members)
Airport Lounge Access

The Miles & More® World Elite Mastercard® (Review) is made for flying with the German airline Lufthansa, and provides two free annual visits to its business lounges.

Its fee is $89 (waived for Senator and HON Circle Members), and it lacks some of the features you typically find on airline cards, like free checked bags and advance boarding. But it does come with an annual companion certificate, a rare find on a card at this level that could prove quite valuable.

Lounge Brand Access Details
Lufthansa Business Lounge
  • Two access vouchers per year
  • Vouchers will expire 12 months after issuance
  • Complimentary membership
  • Entry requires a Lufthansa, Star Alliance, or Codeshare partner boarding pass for a same-day departing flight

Your first vouchers will be sent after the account is first used for a purchase. Every year after that, vouchers will be sent 45 days after payment of the annual fee. Vouchers may take four to six weeks to arrive after qualifications have been met.

Authorized users are free with this card, but they do not get their own lounge vouchers. Only the primary cardholder will get the two vouchers per year.

Rewards
Spending Rewards
  • 2X miles per dollar spent through Miles & More integrated airlines partners
  • 1X mile per dollar spent on all other purchases
Introductory Bonus
  • 60,000 bonus miles for paying the annual fee and spending $3,000 in the first 90 days
Key Features
  • Annual companion ticket: Good for an economy-class ticket, subject to taxes and fees
  • 15% off Miles & More hotel and car awards: Automatically applied when you pay with your card
  • Convert award miles to status miles: Each year, you can convert up to 25,000 award miles to status miles at a 5:1 ratio.
  • Shopping and travel protections: Like Baggage Delay Insurance and Trip Cancellation Insurance
  • No foreign transaction fee
  • Annual fee: $89 (waived for Senator and HON Circle Members); no fee for authorized users
Korean Air Airport Lounge Access

SKYPASS Visa Signature Credit Card

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  • Min. credit levelFair
  • Annual Fee$95
  • Purchase APR15.99%–23.99% Variable
  • 2X miles per dollar spent on Korean Air ticket purchases, gas stations, and hotels
  • 1X mile per dollar spent on all purchases
  • 30,000 SKYPASS bonus miles after spending $3,000 in the first 90 days
  • 2,000 miles upon account renewal
  • $50 off coupon for Korean Air tickets every year
  • 2 free KAL Lounge passes per year
  • See your VantageScore® for free
  • Visa Concierge
  • No cap on miles
Airport Lounge Access

The SKYPASS Visa Signature Credit Card is affiliated with Korean Air, and provides two free annual visits to Korean Air Airport Lounges.

This is a pretty simple card, overall, without many airline perks beyond lounge access. But the annual fee is smaller than your typical airline card, so if Korean Air often finds its way onto your itinerary it could help you earn more miles more quickly.

Lounge Brand Access Details
Korean Air Airport Lounge (KAL Lounge)
  • Two access coupons per year
  • Entry requires same-day ticket with KAL

You’ll receive your access coupons 8 to 10 weeks after paying the annual fee.

Authorized users for this card are free, but you won’t get any extra access coupons. Only two coupons are provided per account, per year.

Rewards
Spending Rewards
  • 2X miles per dollar spent on:
    • Korean Air ticket purchases
    • Gas stations
    • Hotels
  • 1X mile per dollar spent on all purchases
Introductory Bonus
  • 30,000 bonus miles after spending $3,000 in the first 90 days
Key Features
  • Visa Concierge: Call your personal Visa assistant at any time for non-emergency help.
  • Travel and shopping protections: Auto Rental Collision Damage Waiver, Travel Accident Insurance, and Purchase Security, among others
  • No foreign transaction fee
  • Annual fee: $95; no fee for authorized users
Runner Up1

SKYPASS Visa Business Card

Lounge Brand Access Details
Korean Air Airport Lounge (KAL Lounge)
  • Two access coupons per year
  • Entry requires same-day ticket with KAL

You’ll receive your access coupons 8 to 10 weeks after paying the annual fee.

View card details
Premium Travel Cards
Card Annual Fee Lounge Brands
The Platinum Card® from American Express $695
(Rates & Fees)
  • Airspace
  • American Express International
  • Centurion
  • Delta Sky Club
  • Escape
  • Lufthansa
  • Plaza Premium
  • Priority Pass
Chase Sapphire Reserve® $550
  • Priority Pass
Citi Prestige® Card $495
  • Priority Pass
U.S. Bank Altitude Reserve Visa Infinite® Card $400
  • Priority Pass
HSBC Premier World Elite Mastercard® Credit Card $395
  • LoungeKey
Crystal® Visa Infinite® Credit Card $400
  • Priority Pass
Mastercard® Black Card™ $495
  • Priority Pass
Mastercard® Gold Card™ $995
  • Priority Pass
Business Travel Cards
Card Annual Fee Lounge Brand
The Business Platinum Card® from American Express $595 ($695 if application is received on or after 1/13/2022)
(Rates & Fees)
  • Airspace
  • American Express International
  • Centurion
  • Delta Sky Club
  • Escape
  • Lufthansa
  • Plaza Premium
  • Priority Pass
Delta SkyMiles® Reserve Business American Express Card $550
(Rates & Fees)
  • Delta Sky Club
Delta SkyMiles® Platinum Business American Express Card $250
(Rates & Fees)
  • Delta Sky Club
The Hilton Honors American Express Business Card $95
(Rates & Fees)
  • Priority Pass
United Club℠ Business Card $450
  • United Club
United℠ Business Card $0 introductory annual fee for the first year, then $99
  • United Club
Other Cards
Card Annual Fee Lounge Brand
American Express® Green Card $150
(Rates & Fees)
  • LoungeBuddy
Diners Club Card Elite $300
  • Diners Club
Diners Club Card Premier $95
  • Diners Club
Miles & More® World Elite Mastercard® $89 (waived for Senator and HON Circle Members)
  • Lufthansa Business
SKYPASS Visa Signature Credit Card $95
  • Korean Air Airport Lounge (KAL Lounge)
UNFCU® Elite Visa® Card $50
  • Priority Pass
Insider tip

As you can see, travel credit cards often offer complimentary or discounted Priority Pass lounge access. The program’s benefits don’t end there, though, so learn more about everything else Priority Pass Select has to offer.

Enhance Your Travel Experience with Airport Lounges

If you travel often and want to make life a bit more comfortable, consider getting a credit card with airport lounge access. Airport lounges have a variety of perks to help you relax and prepare for flights, or unwind after a long haul.

There are many different lounge brands around the world, offering different amenities and levels of service. You’ll typically have a quiet space to relax or work, while some lounges also provide complimentary food and drinks or shower facilities.

We’ve collected all the credit cards that offer some type of airport lounge access, starting with the most valuable card offers in each category followed by less valuable options. If you know of any cards with lounge access that we don’t have listed here, please contact us to let us know!

What’s the Best Credit Card for Airport Lounge Access?

The best credit cards for airport lounge access are, without a doubt, this pair of American Express cards:

Most cards with lounge memberships only provide entry to one lounge brand, like Priority Pass; but these cards come with Amex’s Global Lounge Collection, which gives you access to a variety of lounge brands:

  • Priority Pass
  • American Express Centurion
  • International American Express Lounges
  • Delta Sky Club
  • Escape
  • Lufthansa Business
  • Plaza Premium

Which Card Offers Lounge Access at the Lowest Annual Fee?

The least expensive card we’ve found that offers some form of complimentary, consistent airport lounge access is the UNFCU® Elite Visa® Card.

For a $50 annual fee, it provides five complimentary visits to Priority Pass lounges every year. After that, each visit will cost $32 per person.

There aren’t really any other great perks with the UNFCU Visa Elite. And it only earns 2X points per dollar at grocery stores and restaurants. But if you want an inexpensive credit card to get into airport lounges, this $50 offer will be your cheapest option.

There’s also one other credit card without an annual fee that can provide lounge access, but with some restrictions. The Deserve Edu Mastercard (Review) can provide a one-year Priority Pass Select membership for spending $1,000 in a specified period of time, but only some cardholders will get this offer. There are no free lounge visits included, however; each visit will cost $32 per person.

Insider tip

Some co-branded credit cards that offer lounge access have their annual fees waived for the first year, making them more affordable. But after that you’ll pay $95 per year for most of them.

What Are Priority Pass Lounges and Which Credit Cards Provide Access?

Priority Pass is a network of over 1,200 lounges around the world, and it’s the most common lounge brand you’ll find associated with credit cards. Many cards provide a “Priority Pass Select” membership, but the terms of your membership (like entry fees) will depend on your specific card.

In most cases, your Priority Pass Select membership includes not just lounges but airport restaurant credits, too. You’ll typically get around $28–$30 at participating restaurants, and the credit usually applies to one guest as well. But take note that American Express cards with Priority Pass memberships don’t come with restaurant credits.

You typically need to activate your Priority Pass membership through your credit card account online; then you’ll get your member card. The best credit cards with Priority Pass Select memberships include:

What Are Centurion Lounges and Which Credit Cards Provide Access?

American Express Centurion Lounges are high-end lounges located mostly in the U.S., providing a respite for weary travelers who want to relax in comfort.

With menus designed by celebrity chefs, workspaces, showers, and even complimentary spa treatments, Centurion lounges are a step above your typical airport lounge. There’s also a Centurion Suite at the Staples Center in L.A., which you can access with your card, and other pop-up lounges are sometimes found at big events.

The following cards provide this coveted access to Centurion Lounges:

How Do I Use a Credit Card to Access Airport Lounges?

Airport lounge access is available with many travel credit cards. Some cards provide as many free visits as you’d like. Others are more limited, and will charge you and your guests a fee for every visit. Most are somewhere in between, offering some number of free day passes before making you pay.

To enter an airport lounge you’ll usually need to show a same-day boarding pass. In most cases you’ll also need to show the card that provides access and a valid ID.

To enter airline-specific lounges, like Delta Sky Clubs, you’ll typically need a same-day boarding pass for that airline.

In many cases, depending on the card, authorized users are granted the same lounge access as the primary cardholder.

Enrollment required for select benefits; terms and limitations apply.

For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please click here.

For rates and fees of the Hilton Honors American Express Aspire Card, please click here.

For rates and fees of The Hilton Honors American Express Business Card, please click here.

For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, please click here.

For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.

For rates and fees of the Delta SkyMiles® Platinum American Express Card, please click here.

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of the Delta SkyMiles® Reserve American Express Card, please click here.

For rates and fees of The Business Platinum Card® from American Express, please click here.

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