Best Credit Cards with Airport Lounge Access
- Points By J
- Jan 13
- 6 min read
Updated: Oct 1
High-end travel credit cards have made my travel experiences so much better. Imagine perks like business class flights from points redemptions, travel insurance, no foreign transaction fees, and more.
One of most valuable benefits in my eyes? Airport lounge access.
Cards with airport lounge access tend to have annual fees. However, if you use the many benefits, statement credits and bonus earning categories, it is easy to get much more value out of the card than the fee you pay.
Here are the best credit cards that give you airport lounge access. I've included all the details so you can find one that's perfect for you! If you do apply for a credit card, I appreciate if you apply through one of these links. It costs you nothing extra, but supports my ability to continue making free content.
Personal Cards
Capital One Venture X Rewards Credit Card - Learn more here
This is my #1 most-recommended card to people who want airport lounge access (especially perfect for solo travelers).
Why? It has an annual fee of $395, but offers a $300 annual travel credit and 10k bonus point anniversary gift - which completely offsets the cost. So, airport lounge access, up to $120 Global Entry or TSA PreCheck application fee credit, travel insurance, and no foreign transaction fees are all cherries on top. Plus, the card earns 2 miles for every dollar you spend. That simplicity is incredibly valuable if you dislike having to keep track of points-earning bonus categories!
The lounge details:
Enjoy unlimited access for to 1,300+ lounges worldwide from Priority Pass & Capital One Lounges.
Note - guest perks ending soon: Currently, you can bring 2 guests into airport lounges. Beginning February 1, 2026, guests of Venture X cardholders will no longer automatically receive complimentary access to lounges.
Chase Sapphire Reserve® - Learn more here
This card offers a range of travel benefits, including an up to $300 annual travel credit, excellent trip cancellation/interruption insurance, up to $120 Global Entry or TSA PreCheck fee credit, strong points earning potential, and more. While it has a $795 annual fee, the credits can go a long way toward offsetting the costs. I personally love using my Chase points to redeem with Hyatt hotels.
The lounge details:
Options: Access to over 1,300 lounges in more than 500 cities worldwide with Priority Pass Select
Priority Pass Guest Details: 2 guests can join the cardholder for free.
American Express Platinum Card® - Learn more hereÂ
Known for its premium benefits, this card provides annual airline fee credits, hotel elite status, and a wide range of other travel perks. With a $895 annual fee (see rates and fees), this card is best-suited to people who can take full-advantage of the myriad credits available (including enrollment-required credits for Uber, lululemon, Resy, Saks Fifth Avenue, digital entertainment , Equinox, and more).* It offers 5x points for each $1 spent on flight purchases up to $500,000 on these purchases per calendar year (then 1 point per dollar), creating high point-earning potential for frequent flyers. Many would argue that this is the best credit card with airport lounge access because of the Centurion Lounge access, which are luxurious.
The lounge details:
Options: More than 1,400+ airport lounges across 140 countries and counting, includes Centurion Lounges, Escape Lounges, Priority Pass Select, and more.
Centurion Lounge Guest Details: There is a per-visit fee of $50 for each guest or $30 for children aged 2 through 17, with proof of age.
Priority Pass Guest Details:Â 2 guests can join the cardholder for free.
Click here to learn more about the Platinum Card®. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Delta SkyMiles® Reserve American Express Card - Learn more here
This card offers a phenomenal 3x miles on eligible purchases made directly with Delta. Additionally, enjoy an annual round trip companion certificate, your first checked bag free, access to complimentary upgrades, 15% off when booking Award Travel, priority boarding, and Status Boost®.* Cardholders also enjoy an up to $120 Global Entry or TSA PreCheck application fee credit. Plus, the card has no foreign transaction fees (see rates & fees).
The lounge details:
Options: Access to Delta Sky Club® and The Centurion® Lounge when you book your Delta flight with your Reserve card
Delta Sky Club Details: 15 visits per year to the Delta Sky Club (to earn an unlimited number of visits, the total eligible purchases on the card must equal $75,000 or more each calendar year)
The Centurion Lounge Details: Complimentary access for cardmembers; plus ability to bring up to two guests for a $50 per person fee.
Business Cards
Capital One Venture X Business - Learn more hereÂ
This card's combination of a lucrative sign-up bonus + lounge access + reasonable annual fee is pretty hard to beat.
Intro bonus? Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
Other details of the card:
Annual fee of $395, but offers a $300 annual travel credit and 10k bonus point anniversary gift - which completely offsets the cost
Airport lounge access, up to $120 Global Entry or TSA PreCheck application fee credit, travel insurance, and no foreign transaction fees are all cherries on top
Earns 2 miles for every dollar you spend (we love this simplicity)
The lounge details:
Enjoy unlimited access for to 1,300+ lounges worldwide from Priority Pass & Capital One Lounges.
Note - guest perks ending soon: Currently, you can bring 2 guests into airport lounges. Beginning February 1, 2026, guests of Venture X cardholders will no longer automatically receive complimentary access to lounges.
The Business Platinum Card® from American Express - Learn more here
This is a powerful points-earner and perks-provider if you spend a lot on flights. It provides annual airline fee and CLEAR Plus credits. With a $895 annual fee (see rates and fees), this card is best-suited to people who can take full-advantage of the myriad credits available (including enrollment-required credits for hotels, Dell Technologies, Indeed, Adobe, and more).* It earns 5x points on flights and prepaid hotels on AmexTravel.com, 2x points on eligible business categories, 1x points per dollar on all other purchases.
The lounge details:
Options: More than 1,400+ airport lounges across 140 countries and counting, includes Centurion Lounges, Escape Lounges, Priority Pass Select, and more. Access is limited to eligible Card Members.
Centurion Lounge Guest Details: There is a per-visit fee of $50 for each guest or $30 for children aged 2 through 17, with proof of age.
Priority Pass Guest Details: 2 guests can join the cardholder for free.
Click here to learn more about the Amex Business Platinum Card. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Delta SkyMiles® Reserve Business American Express Card - Learn more here
This business card offers a phenomenal 3x miles on eligible purchases made directly with Delta. Additionally, enjoy an annual round trip companion certificate, your first checked bag free, access to complimentary upgrades, 15% off when booking Award Travel, priority boarding, and Status Boost®.* Cardholders also enjoy an up to $120 Global Entry or TSA PreCheck application fee credit. Plus, the card has no foreign transaction fees (see rates & fees).
The lounge details:
Options: Access to Delta Sky Club® and The Centurion® Lounge when you book your Delta flight with your Reserve card
Delta Sky Club Details: 15 visits per year to the Delta Sky Club (to earn an unlimited number of visits, the total eligible purchases on the card must equal $75,000 or more each calendar year)
The Centurion Lounge Details: Complimentary access for cardmembers; plus ability to bring up to two guests for a $50 per person fee.
7 of the best credit cards with airport lounge access - which is right for you?
For most people, the card that balances the lowest annual fee with strong perks is the Capital One Venture X or Venture X Business. However, if access to Centurion, Delta Sky Club, or Reserve lounges is important to you, then choose accordingly!
*Each Benefit requires enrollment via their website, terms apply to American Express Benefits and offers. visit americanexpress.com to learn more.
Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.