Credit Cards That Provide Airport Lounge Access

Brendan Harkness

Brendan Harkness | Blog

Jun 29, 2018 | Updated Oct 30, 2018

Ready to get your lounge on? Here’s a complete list of credit cards that offer some type of airport lounge access.

Credit Cards with Airport Lounge Access

Premium Travel Cards
Card Annual Fee Lounge Brands
The Platinum Card® from American Express (Review) $550
  • Airspace
  • American Express International
  • Centurion
  • Delta Sky Club
  • Escape
  • Lufthansa
  • Plaza Premium
  • Priority Pass Select
Chase Sapphire Reserve (Review) $450
  • Priority Pass Select
Citi Prestige® Card (Review) $450
  • Priority Pass Select
U.S. Bank Altitude Reserve Visa Infinite® Card (Review) $400
  • Priority Pass Select
HSBC Premier World Elite Mastercard $395
  • LoungeKey
Mastercard® Black Card™ (Review) $495
  • Priority Pass Select
Mastercard® Gold Card™ (Review) $995
  • Priority Pass Select
Co-Branded Travel Credit Cards
Card Annual Fee Lounge Brands
Citi®/AAdvantage® Executive World Elite™ Mastercard® $450
  • Admirals Club
Delta Reserve Credit Card $450
  • Delta Sky Club
Platinum Delta SkyMiles® Credit Card (Review) $195
  • Delta Sky Club
Gold Delta SkyMiles® Credit Card $95, $0 the first year
  • Delta Sky Club
Hilton Honors Aspire Card $450
  • Priority Pass Select
Hilton Honors American Express Ascend Card (Review) $95
  • Priority Pass Select
United MileagePlus® Club Card (Review) $450
  • United Club
United Explorer Card (Review) $95, $0 the first year
  • United Club
Business Travel Cards
Card Annual Fee Lounge Brand
Business Platinum Card® from American Express OPEN (Review) $450
  • Airspace
  • American Express International
  • Centurion
  • Delta Sky Club
  • Escape
  • Lufthansa
  • Plaza Premium
  • Priority Pass Select
Delta Reserve for Business Credit Card® from American Express $450
  • Delta Sky Club
Platinum Delta SkyMiles® Business Credit Card (Review) $195
  • Delta Sky Club
Gold Delta SkyMiles® Business Credit Card

$95, $0 the first year

  • Delta Sky Club
Hilton Honors American Express Business Card (Review) $95
  • Priority Pass Select
United MileagePlus® Club Business Card $450
  • United Club
United MileagePlus® Explorer Business Card $95, $0 the first year
  • United Club
Other Travel Cards
Card Annual Fee Lounge Brand
Diners Club Card Elite $300
  • Diners Club
Diners Club Card Premier $95
  • Diners Club
Miles & More® World Elite MasterCard® (Review) $89
  • Lufthansa Business
SKYPASS Visa Signature Credit Card $80
  • Korean Air Airport Lounge (KAL Lounge)
UNFCU® Elite Visa® Card $50
  • Priority Pass Select

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.

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.

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!

Which Card Offers Lounge Access at the Lowest Annual Fee?

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

For a $50 annual fee, it provides five complimentary visits to Priority Pass Select 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.

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

Premium Travel Cards

The Platinum Card from American Express

The The Platinum Card® from American Express (Review) is one of the best cards for airport lounge access, providing cardholders with the Amex Global Lounge Collection. It comes with a hefty fee of $550, however. There’s also a business version of this card, which is $100 cheaper per year.

The Platinum Card® from American Express
Apply Now

The Platinum Card® from American Express

For People with
Excellent Credit

  • Annual Fee: $550
  • Interest Rate: Not Applicable - Paid in Full Monthly
Quick Card Facts
  • 60,000 Membership Rewards points for spending $5,000 in purchases in your first 3 months.
  • 5X Membership Rewards points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on eligible hotels booked on amextravel.com.
  • $200 Airline Fee Credit, good for incidental fees like baggage fees and seat upgrades at one airline of your choice.
  • Up to $200 in Uber savings annually.
  • The Global Lounge Collection, a wide-ranging program that includes proprietary airport lounges around the world like Centurion Lounges, Priority Pass, Delta Sky Clubs, and more.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Terms Apply.
  • $550 annual fee

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 Lounges
  • Spouse, children under 21, and up to two guests can enter for free
International American Express Lounges
  • One guest can enter for free
The Centurion Lounge
  • Up to two guests can enter for free
Delta Sky Club
  • Up to two guests can enter for $29 per person
  • Same-day Delta boarding pass required
Escape Lounges
  • Up to two guests can enter for free
Lufthansa Lounges
  • Some locations allow guests for a fee
  • Same-day Lufthansa boarding pass required
Plaza Premium Airport Lounges
  • Up to two guests can enter for free
Priority Pass Select
  • Up to two guests can enter for free
  • Additional guests cost $32
  • Enrollment required
  • Some lounges do not admit guests

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

  • 5X Membership Rewards points on flights booked with airlines or through Amex Travel, and prepaid hotels booked through Amex Travel
  • 60,000 Membership Rewards points for spending $5,000 in the first 3 months of card membership
    • valued at: $600–$1,080 (assuming 1–1.8 cents per point)
    • return on spend: 12–21.6%
  • $200 Annual Airline Fee Credit: Good for incidental costs like checked bags and in-flight food
  • Global Entry or TSA Pre✓ Credit: $100 credit for the application fee, once every five years
  • The Hotel Collection: A $75 hotel credit for every eligible two-night stay
  • Complimentary Hotel Status: You’ll get Hilton Honors Gold Status and Starwood Preferred Guest Gold Status
  • $200 in Uber Credits: A $15 credit for Uber rides or UberEATS each month, except for $20 in December
  • Complimentary Internet Access: Worldwide Boingo WiFi access
  • No foreign transaction fees
  • $550 annual fee
  • Charge card: You must pay your balance in full each billing period
  • Metal charge card

Read more in our Review of The Platinum Card from American Express

There are a few different versions of the Amex Platinum Card, often referred to as different “flavors.” They require eligible accounts with certain financial institutions if you want to apply for them. In general they offer the same rewards and benefits, although there are some differences in the redemption options and fees. The other flavors are:

  • American Express Platinum Card® for Schwab
  • Morgan Stanley Platinum Card
  • Platinum Card® from American Express for Goldman Sachs
  • Platinum Card® from American Express for Ameriprise Financial

Chase Sapphire Reserve

The Chase Sapphire Reserve (Review) is one of the best credit cards for travel.

We're currently unable to link directly to an application for the Chase Sapphire Reserve, but you can learn more here, on our advertising partner's website.
Lounge Brand Access Details
Priority Pass Select
  • Up to two guests can enter for free
  • Additional guests are $32 each
  • Enrollment required
  • Complimentary membership

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

Key Terms and Features

  • 3X Ultimate Rewards points on travel and dining
  • 50,000 Ultimate Rewards points for spending $4,000 in the first 3 months of account opening
    • valued at: $750–$1,000, assuming 1.5–2 cents per point
    • return on spend: 18.75–25%
  • 50% Point Bonus: Get a 50% bonus on points redeemed for travel expenses 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
  • Chase Luxury Hotel 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
  • No foreign transaction fees
  • $450 annual fee
  • Metal credit card

Read more in our Review of The Chase Sapphire Reserve Card

Other Premium Travel Cards

Lounge Brand Access Details
Priority Pass Select
  • Unlimited access for the cardholder
  • Up to two guests can enter for free
  • Additional guests cost $32 each
  • Enrollment required
  • Complimentary membership

Authorized users cost $50 each, and they can access this lounge perk as well.

Key Terms & Features

  • 3X ThankYou points on air travel and hotels
  • 2X ThankYou points at restaurants and on entertainment
  • Complimentary 4th Night Free: Get your fourth night free on stays of four nights or more when booked through ThankYou.com or the Prestige Concierge
  • $250 Annual Air Travel Credit: Good for tickets, baggage fees, upgrades, and other expenses
  • Global Entry or TSA Pre✓ Credit: A $100 credit for the Global Entry or TSA Pre✓ 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 fees
  • $450 annual fee; $50 per authorized user
  • Metal credit card

Read more in our Review of the Citi Prestige Card

 

Lounge Brand Access Details
Priority Pass Select
  • First four visits for the cardmember are free
  • First four guest visits are free
  • After the free visits are used, each visit will cost $32 per person
  • Enrollment required
  • Complimentary membership

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

Key Terms & Features

  • 3X points on travel and mobile wallet spending
  • 50,000 bonus points for spending $4,500 in the first 3 months of card membership
    • valued at: $750 (assuming 1.5 cents per point)
    • return on spend: 16.67%
  • $325 Annual Travel Credit: Good for flight tickets, hotel bookings, car rentals, and other expenses
  • Global Entry or TSA Pre✓ Credit: A $100 credit for the Global Entry or TSA Pre✓ application fee, once every five years
  • Visa Infinite Concierge: Call for non-emergency help at any time
  • Perks at Relais & Châteaux Boutique Luxury Hotels: Get a VIP welcome and complimentary breakfasts at select properties
  • No foreign transaction fees
  • $400 annual fee; $75 per authorized user
  • Metal credit card

Read more in our Review of the U.S. Bank Altitude Reserve Card

HSBC Premier World Elite Mastercard

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.

Key Terms & Features

  • 3X points on travel purchases
  • 2X points on dining
  • 50,000 bonus points for spending $4,000 in the first 3 months of card membership
    • valued at: $750 (assuming 1.5 cents per point)
    • return on spend: 18.75%
  • $100 Annual Travel Credit: Good for flight tickets, hotel bookings, car rentals, and other expenses
  • TSA Pre✓ Credit: An $85 credit for the TSA Pre✓ application fee, once every five years
  • $100 Annual Statement Credit for Uber and Lyft: Statement credits are available up to $20 per ride
  • 10% Discounts at Agoda and Expedia: Pay for eligible travel through Agoda or Expedia to get a 10% discount
  • Elite Concierge: Call for non-emergency assistance at any time
  • No foreign transaction fees
  • $395 annual fee; $65 per authorized user
  • Metal credit card

 

The Mastercard® Black Card™ (Review) is somewhat expensive, but it allows for unlimited guests at Priority Pass lounges.

Lounge Brand Access Details
Priority Pass Select
  • Unlimited access for the cardholder and unlimited guests
  • Enrollment required
  • Complimentary membership

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

Key Terms & Features

  • 1X point per dollar for every purchase
    • 2% cash back equivalent when redeeming for airfare
    • 1.5% cash back equivalent when redeeming for cash back
  • $100 Annual Air Travel Credit: Good for flight tickets, baggage fees, upgrades, and other expenses
  • Global Entry or TSA Pre✓ Credit: A $100 credit for the Global Entry or TSA Pre✓ application fee, once every five years
  • Airport Meet & Assist: Have a professional meet and escort you through the airport to save time and avoid hassle
  • Luxury Card Concierge: Call for non-emergency assistance at any time
  • No foreign transaction fees
  • $495 annual fee; $195 per authorized user
  • Metal credit card

Read more in our Review of the Mastercard Black Card

 

The Mastercard® Gold Card™ (Review) is quite expensive at $995 per year. It has the same lounge access as the cheaper Mastercard Black Card, above.

Lounge Brand Access Details
Priority Pass Select
  • Unlimited access for the cardholder and unlimited guests
  • Enrollment required
  • Complimentary membership

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

Key Terms & Features

  • 1X point per dollar for every purchase
    • 2% cash back equivalent when redeeming for airfare or cash back
  • $200 Annual Air Travel Credit: Good for flight tickets, baggage fees, upgrades, and other expenses
  • Global Entry or TSA Pre✓ Credit: A $100 credit for the Global Entry or TSA Pre✓ application fee, once every five years
  • $100 Annual Statement Credit for Uber and Lyft: Statement credits are available up to $20 per ride
  • Airport Meet & Assist: Have a professional meet and escort you through the airport to save time and avoid hassle
  • Luxury Card Concierge: Call for non-emergency assistance at any time
  • No foreign transaction fees
  • $995 annual fee; $295 per authorized user
  • Metal credit card, plated with 24K gold

Read more in our Review of the Mastercard Gold Card

Co-Branded Credit Cards with Airport Lounge Access

There are quite a few co-branded cards with lounge access of some kind. The right card for you will depend on the airline or hotel brand you like the most, or the type of lounge you want to enter.

The following airline credit cards offer lounge access only with that one airline — Delta cards give access to Delta Sky Clubs, for example. The hotel credit cards provide membership with the Priority Pass Select lounge network.

We’ll highlight one airline card and one hotel card here, although they aren’t necessarily the best credit card offers for you if they don’t fit your travel habits.

Citi®/AAdvantage® Executive World Elite™ Mastercard®

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

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

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

Citi®/AAdvantage® Executive World Elite™ Mastercard®
Apply Now

Citi®/AAdvantage® Executive World Elite™ Mastercard®

For People with
Excellent Credit

  • Annual Fee: $450
  • Interest Rate: 17.49–25.49% Variable
Quick Card Facts
  • For a limited time, earn 75,000 AAdvantage® bonus miles after making $7,500 in purchases in the first 3 months of account opening*
  • Admirals Club® membership for you and up to 10 authorized users
  • 10,000 Elite Qualifying Miles from American Airlines after $40,000 spent in purchases each calendar year*
  • Receive a statement credit, up to $100 every 5 years, as reimbursement for your application fee for Global Entry or TSA Pre✔®*
  • No Foreign Transaction Fees on purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines and US Airways purchases and 1 AAdvantage® mile for every $1 spent on other purchases*
  • First checked bag is free on domestic American Airlines and US Airways itineraries for you and up to eight companions traveling with you on the same reservation*

Key Terms & Features

  • 2X American Airlines AAdvantage miles per dollar for every eligible American Airlines purchase
  • 50,000 bonus miles for spending $5,000 in the first 3 months after account opening
    • valued at: $700 (assuming 1.4 cents per point)
    • return on spend: 14%
  • First checked bag free: On American Airlines flights, for you and up to eight traveling companions
  • Global Entry or TSA Pre✓ Credit: A $100 credit for the Global Entry or TSA Pre✓ application fee, once every five years
  • Enhanced Airport Experience: Get priority check-in, screening, and boarding privileges when available
  • 25% Savings on Eligible In-flight Purchases: A 25% discount on in-flight purchases of food and beverages on American Airlines flights
  • 10,000 Elite Qualifying Miles: Earn 10,000 Elite Qualifying Miles by spending $40,000 in a given account year
  • No foreign transaction fees
  • $450 annual fee; up to 10 authorized users for no fee

Hilton Honors Aspire Card

The Hilton Honors Aspire Card is a high-end hotel card that also provides solid airport lounge access. You’ll need to pay $450 per year for this card.

Lounge Brand Access Details
Priority Pass Select
  • Unlimited access for the cardholder and two guests
  • Additional guests will be charged $32 per visit
  • Enrollment required
  • Complimentary membership

Authorized users do not get Priority Pass Select membership.

Hilton Honors Aspire Card
Apply Now

Hilton Honors Aspire Card

For People with
Excellent Credit

  • Annual Fee: $450
  • Interest Rate: 17.74%–26.74% Variable
Quick Card Facts
  • 14X Bonus Points per dollar at participating Hilton Portfolio hotels and resorts
  • 20X additional Base Points per dollar at Hilton Portfolio hotels and resorts for your Diamond member status
  • 7X Bonus Points per dollar at U.S. restaurants, flights booked directly with airlines, select car rentals
  • 3X Bonus Points per dollar on all other eligible purchases
  • 150,000 Bonus Points for spending $4,000 in the first 3 months
  • Complimentary Hilton Honors Diamond status and other benefits
  • No foreign transaction fees
  • $450 annual fee

Key Terms & Features

  • 14X Hilton Honors bonus points on eligible Hilton purchases
  • 7X bonus points on flights booked directly with airlines or through Amex Travel, car rentals, and U.S. restaurants
  • 3X bonus points on all other eligible purchases
  • 100,000 bonus points for spending $4,000 in the first 3 months of card membership
    • valued at: $600 (assuming 0.6 cents per point)
    • return on spend: 15%
  • Two Annual Weekend Night Awards: Get a free weekend night once per year, and another free night after spending $60,000 on purchases in a calendar year
  • $250 Annual Airline Fee Credit: For incidental fees charged by the airline of your choice (not flight tickets)
  • $100 Hilton On-Property Credit: A $100 credit to use for every two-night minimum stay
  • $250 Annual Hilton Resort Credit: Good at participating Hilton Resorts
  • Complimentary Hilton Honors Diamond Status: With perks like a 100% bonus on Base Points, your 2nd guest stays free, and complimentary access to gyms and health clubs
  • No foreign transaction fees
  • $450 annual fee; no fee for authorized users

Other Co-branded Credit Cards

The Delta Reserve Credit Card is a premium card for traveling with Delta airlines, with a $450 fee.

Lounge Brand Access Details
Delta Sky Club
  • Free access for cardholder
  • Up to two guests per visit, for $29 per person
  • For non-Delta flights, access is $29 per person
  • Requires ticket for same-day travel with any airline
  • Complimentary membership

Authorized users cost $175 each, and will have access to Delta Sky Clubs.

Key Terms & Features

  • 2X Delta miles on Delta purchases
  • 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) for spending $3,000 in the first 3 months of card membership
    • bonus miles valued at: $480 (assuming 1.2 cents per point)
    • bonus miles return on spend: 15%
  • Annual Companion Certificate: Get a certificate every year for a Domestic First Class, Delta Comfort+, or Main Cabin round-trip ticket
  • First checked bag free: On Delta flights, for you and up to eight traveling companions
  • 20% Savings on Eligible In-flight Purchases: A 20% discount on in-flight purchases of food and beverages on Delta-operated flights
  • Priority Boarding: Get Priority Boarding on Delta flights
  • 15,000 bonus miles and 15,000 MQMs: Spend $30,000 per year to get 15,000 bonus miles and 15,000 MQMs
  • Additional 15,000 bonus miles and 15,000 MQMs: Spend $60,000 per year to get an additional 15,000 bonus miles and 15,000 MQMs
  • No foreign transaction fees
  • $450 annual fee; $175 per authorized user

Read more in our Review of the Delta Reserve Credit Card by American Express

 

The Platinum Delta SkyMiles® Credit Card (Review) is a downgraded version of the Delta Reserve above, with more limited lounge access.

Lounge Brand Access Details
Delta Sky Club
  • Entry costs $29 per person
  • Requires ticket for same-day travel with any airline
  • Complimentary membership

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

Key Terms & Features

  • 2X Delta miles on Delta purchases
  • 35,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) for spending $1,000 in the first 3 months of card membership
    • bonus miles valued at: $420 (assuming 1.2 cents per point)
    • bonus miles return on spend: 42%
  • $100 statement credit after making a Delta purchase with your card in the first 3 months
  • Annual Companion Certificate: Get a certificate every year for a Domestic Main Cabin round-trip ticket
  • First checked bag free: On Delta flights, for you and up to eight traveling companions
  • 20% Savings on Eligible In-flight Purchases: A 20% discount on in-flight purchases of food and beverages on Delta-operated flights
  • Priority Boarding: Get Priority Boarding on Delta flights
  • 10,000 bonus miles and 10,000 MQMs: Spend $25,000 per year to get 10,000 bonus miles and 10,000 MQMs
  • Additional 10,000 bonus miles and 10,000 MQMs: Spend $50,000 per year to get an additional 10,000 bonus miles and 10,000 MQMs
  • No foreign transaction fees
  • $175 annual fee; no fee for authorized users

Read more in our Review of the Platinum Delta SkyMiles Card by American Express

 

The Gold Delta SkyMiles® Credit Card is an even less-expensive card for Delta travelers. It has the same lounge access as the Platinum Delta card above.

Lounge Brand Access Details
Delta Sky Club
  • Entry costs $29 per person
  • Requires ticket for same-day travel with any airline
  • Complimentary membership

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

Key Terms & Features

  • 2X Delta miles on Delta purchases
  • 30,000 bonus miles for spending $1,000 in the first 3 months of card membership
    • bonus miles valued at: $360 (assuming 1.2 cents per point)
    • bonus miles return on spend: 36%
  • $50 statement credit after making a Delta purchase with your card in the first 3 months
  • First checked bag free: On Delta flights, for you and up to eight traveling companions
  • 20% Savings on Eligible In-flight Purchases: A 20% discount on in-flight purchases of food and beverages on Delta-operated flights
  • Priority Boarding: Get Priority Boarding on Delta flights
  • 10,000 bonus miles and 10,000 MQMs: Spend $25,000 per year to get 10,000 bonus miles and 10,000 MQMs
  • Additional 10,000 bonus miles and 10,000 MQMs: Spend $50,000 per year to get an additional 10,000 bonus miles and 10,000 MQMs
  • No foreign transaction fees
  • $95 annual fee, waived the first year; no fee for authorized users

 

The Hilton Honors American Express Ascend Card (Review) is a mid-range hotel card for anyone who likes staying at Hilton properties. It has limited airport lounge access compared to the upgraded Hilton Honors Aspire.

Lounge Brand Access Details
Priority Pass Select
  • 10 free visits for you and your guests
  • Additional visits will cost $32 per person
  • Enrollment required
  • Complimentary membership

Authorized users are free but they do not get their own Priority Pass Select membership. However, they can take advantage of the 10 free visits per year.

Key Terms & Features

  • 12X Hilton Honors bonus points on eligible Hilton purchases
  • 6X bonus points at U.S. restaurants, supermarkets, and gas stations
  • 3X bonus points on all other purchases
  • 125,000 bonus points for spending $3,000 in the first 3 months of card membership
    • valued at: $750 (assuming 0.6 cents per point)
    • return on spend: 25%
  • Annual Weekend Night Award: Get a weekend night award after spending $15,000 in a calendar year
  • Complimentary Hilton Honors Gold Status: With perks like an 80% bonus on Base Points, your 2nd guest stays free, and complimentary access to gyms and health clubs
  • No foreign transaction fees
  • $95 annual fee; no fee for authorized users

Read more in our Review of the Hilton Honors Ascend Card

 

The United MileagePlus® Club Card (Review) is a premium travel card for flying United, at $450 per year.

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

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

Key Terms & Features

  • 2X miles on tickets purchased from United
  • 1.5X miles per dollar for all other purchases
  • 50,000 bonus miles for spending $3,000 on purchases in the first 3 months after account opening
    • value: $700, depending on redemption method (assuming 1.4 cents per point)
    • return on spend: 23.33%
  • 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% bonus on points, 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
  • Chase 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
  • $450 annual fee; no fee for authorized users

Read more in our Review of the United MileagePlus Club Credit Card

 

We're currently unable to link directly to an application for the United Explorer Card, but you can learn more here, on our advertising partner's website.

The United Explorer Card (Review) is a cheaper option for United fliers, at $95 per year, waived the first year.

It has limited United Club access, with two one-time passes per year. But this access does not include Star Alliance lounges, like you get with the United Club card above.

Lounge Brand Access Details
United Club
  • Two one-time passes per year
  • Complimentary membership
  • Entry requires a boarding pass for same-day travel

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

Key Terms & Features

  • 2X miles on tickets purchased from United, on hotel rooms booked directly with the hotel, and at restaurants
  • 1.5X miles per dollar for all other purchases
  • 40,000 bonus miles for spending $2,000 on purchases in the first 3 months after account opening
    • value: $100–$200, depending on redemption method (assuming 1–2 cents per point)
    • return on spend: 5–10%
  • $100 statement credit after your first purchase
  • Free first checked bags: For the primary cardholder and one companion traveling on the same reservation
  • 25% Discount on In-flight Purchases: Like food, beverages, and WiFi
  • Global Entry or TSA Pre✓ Credit: A $100 credit for the Global Entry or TSA Pre✓ application fee, once every five years
  • Priority Boarding: For the primary cardholder and companions
  • Premier upgrades on award tickets: Complimentary Premier Upgrades on United-operated flights, when available
  • Chase Luxury Hotel & Resort Collection: Get room upgrades, complimentary daily breakfast for two, and more
  • No foreign transaction fees
  • $95 annual fee, waived the first year; no fee for authorized users

Read more in our Review of the United Explorer Credit Card

Business Cards with Airport Lounge Access

The Business Platinum Card from American Express OPEN

The Business Platinum Card® from American Express OPEN (Review) offers the same excellent airport lounge access as the consumer Platinum Card. But this card offer is actually a bit better in some ways: it only costs $450 rather than $550, and it provides a 35% bonus on flight redemptions.

Business Platinum Card® from American Express OPEN
Apply Now

Business Platinum Card® from American Express OPEN

For People with
Excellent Credit

  • Annual Fee: $450
  • Interest Rate: Not Applicable - Paid in Full Monthly
Quick Card Facts
  • Welcome Offer: Get up to 75,000 Membership Rewards points after you spend $20,000 in purchases within your first 3 months of Card Membership.
  • The Business Platinum Card's premium benefits include world-class platinum service, travel benefits, rewards that can help reduce expenses, and access to one-of-a-kind events.
  • Membership Rewards® Program: Get one point for each dollar of eligible purchases. There is no limit to the number of points you can get.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back.
  • Airport Lounge Access Program: Elevate your business travel experience with complimentary access to over 700 airport lounges worldwide.
  • Complimentary internet access: Enroll your Card with Gogo and Boingo and get 10 Gogo inflight internet passes annually and unlimited Wi-Fi at Boingo hotspots.
  • Terms & Restrictions Apply

The Global Lounge Collection provides access to the following lounge brands.

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

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.

Key Terms & Features

The Business Platinum card comes with most of the same perks as the regular consumer version. It does not offer $200 in Uber credits, however.

Other than that difference, the Business Platinum card also provides:

  • 35% Bonus on Flight Redemptions: Get 35% of your points back when booking with your selected airline, or for any business or first class ticket
  • Business Platinum Travel Service: Custom itineraries and personalized recommendations to put your travel plans on the next level
  • Amex OPEN Business Benefits: Unique features for small business owners, like specially trained customer support and a forum to discuss ideas
  • Employee Cards: Get up to 99 employee versions of the card, all for free

Read more in our Review of the Business Platinum Card from American Express OPEN

Co-Branded Business Cards

The Delta Reserve for Business Credit Card® from American Express is the most expensive business card option for traveling Delta.

Lounge Brand Access Details
Delta Sky Club
  • Free access for cardholder
  • Up to two guests per visit, for $29 per person
  • For non-Delta flights, access is $29 per person
  • Requires ticket for same-day travel with any airline
  • Complimentary membership

Authorized users will have the same access to Delta Sky Clubs.

The Delta Reserve for Business has a set of terms and features that mirror the consumer Delta Reserve above, along with a few business-specific benefits.

 

The Platinum Delta SkyMiles® Business Credit Card (Review) is a less expensive version of the Delta Reserve for Business.

Lounge Brand Access Details
Delta Sky Club
  • Entry costs $29 per person
  • Requires ticket for same-day travel with any airline
  • Complimentary membership

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

The business version of this card has most of the same terms and features as the regular consumer version. It also has some business benefits, like expense management tools.

Read more in our Review of the Platinum Delta SkyMiles Business Credit Card

 

The Gold Delta SkyMiles® Business Credit Card is the least expensive co-branded Delta business card. It offers the same level of lounge access as the pricier Platinum Delta SkyMiles business card.

Lounge Brand Access Details
Delta Sky Club
  • Entry costs $29 per person
  • Requires ticket for same-day travel with any airline
  • Complimentary membership

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

Most of the terms and features of this card are the same as the regular consumer Gold Delta card above. There are also some handy business features, like a dedicated customer service line.

 

There’s only one business card for Hilton stays: the Hilton Honors American Express Business Card (Review).

Lounge Brand Access Details
Priority Pass Select
  • 10 free visits for you and your guests
  • Additional visits will cost $32 per person
  • Enrollment required
  • Complimentary membership

Authorized users do not get individual Priority Pass Select memberships, but they can use the 10 free annual passes.

Key Terms & Features

The Hilton Honors Business card has rewards and terms that are similar to the consumer Hilton Honors Ascend card above. But it has these different categories for the 6X earning rate:

  • 6X Hilton Honors Bonus Points per dollar:
    • at U.S. gas stations
    • at U.S. restaurants
    • on flights booked directly with airlines or Amex Travel
    • on car rentals booked directly from select rental companies
    • on wireless phone services purchased directly from U.S. providers
    • on U.S. purchases of shipping

Read more in our Review of the Hilton Honors American Express Business Card

 

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

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

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

The rewards, benefits, and terms of this card are mostly the same as the consumer United Club card above. However, for a signup bonus, it offers a $100 statement credit after making your first purchase.

 

The United MileagePlus® Explorer Business Card is the less-expensive business card for United flyers, at just $95 per year after the first year.

It only provides limited access to United Clubs, and this does not extend to Star Alliance lounges like the MileagePlus Club 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

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

The features of this card are mostly like the consumer Explorer card, with a couple exceptions. The business version has slightly different reward categories, and it does not come with the Global Entry or TSA Pre fee credit.

Other Travel Cards with Airport Lounge Access

UNFCU® Elite Visa® Card

The UNFCU® Elite Visa® Card is the least expensive card to offer some kind of lounge access, at just $50 per year. And it turns out to be a pretty decent level of access too.

To get this 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 Select
  • 5 free visits for you and your guests
  • Additional visits will cost $32 per person
  • Enrollment required
  • Complimentary membership

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

UNFCU® Elite Visa® Card
Apply Now

UNFCU® Elite Visa® Card

For People with
Good Credit

  • Annual Fee: $50
  • Interest Rate: 11.65% Variable
Quick Card Facts
  • Earn 2 points for every $1 spent on groceries and at restaurants
  • Earn 1 point for every $1 spent on all purchases

Key Terms & Features

  • 2X points per dollar spent at grocery stores, restaurants, and online food delivery
  • 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
  • Chip-and-PIN EMV Technology: Providing better access to certain payment terminals outside the U.S.
  • 0% Intro APR for 6 Months: For both purchases and balance transfers
  • No foreign transaction fees
  • $50 annual fee; no fee for authorized users

Other Travel Cards

The following cards provide access to a variety of less popular airport lounges, compared to the cards above.

Diners Club Card Elite

The Diners Club Card Elite provides access to over 800 lounges around the world, for a cost of $300 per year.

Lounge Brand Access Details
Diners Club
  • A fee may be charged at some locations
  • Complimentary membership
  • Use the app to find Diners Club lounges

Authorized users cost $150 each, and they should have the same lounge access privileges.

Key Terms & Features

  • 3X Club Reward points per dollar spent at grocery stores, drug stores, and on gas
  • Personal Concierge: Call your personal assistant at any time for non-emergency help
  • Car Rental Discounts: Special discounts on Avis and Budget car rentals
  • Travel and Shopping Protections: Like Trip Cancellation Insurance, Baggage Delay Insurance, Purchase Protection, and more
  • No foreign transaction fees
  • $300 annual fee; $150 per authorized user

Diners Club Card Premier

The Diners Club Card Premier is a less expensive version of the Elite card above, but offers the same level of lounge access.

Lounge Brand Access Details
Diners Club
  • A fee may be charged at some locations
  • Complimentary membership
  • Use the app to find Diners Club lounges

Authorized users cost $35 each for this card, and we expect them to have the same lounge access privileges.

Key Terms & Features

  • 1X Club Reward point per dollar spent on all purchases
  • Personal Concierge: Call your personal assistant at any time for non-emergency help
  • Car Rental Discounts: Special discounts on Avis and Budget car rentals
  • Travel and Shopping Protections: Like Trip Cancellation Insurance, Baggage Delay Insurance, Purchase Protection, and more
  • No foreign transaction fees
  • $95 annual fee; $35 per authorized user

 

The Miles & More® World Elite MasterCard® (Review) is made for flying with the German airline Lufthansa, and provides limited access to their business lounges. It costs $89 per year.

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

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.

Key Terms & Features

  • 2X miles on tickets purchased from Miles & More integrated partners, including Lufthansa and other European airlines
  • 20,000 bonus miles for making your first purchase and paying the annual fee
    • value: $280, depending on redemption method (assuming 1.4 cents per point)
  • 30,000 bonus miles for spending $5,000 on purchases in the first 90 days after account opening
    • value: $420, depending on redemption method (assuming 1.4 cents per point)
    • return on spend: 8.4%
  • 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 fees
  • $89 annual fee; no fee for authorized users

Read more in our Review of the Miles & More World Elite MasterCard

 

The SKYPASS Visa Signature Credit Card is affiliated with Korean Air, and provides access to Korean Air Airport Lounges.

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

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.

Key Terms & Features

  • 2X miles per dollar spent on Korean Air purchases
  • 2,000 bonus miles when you renew your account every year
    • value: $34 (assuming 1.7 cents per point)
  • Visa Concierge: Call your personal Visa assistant at any time for non-emergency help
  • Travel and Shopping Protections: Like an Auto Rental Collision Damage Waiver, Travel Accident Insurance, and Purchase Security, among others
  • No foreign transaction fees
  • $80 annual fee; no fee for authorized users
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