7 Best Credit Cards With Airport Lounge Access

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The fabled airport lounge might seem like a mysterious wonderland locked away behind tinted glass doors. Until you’ve been inside.lounge access credit cards

When the airport becomes your home away from home, a lounge becomes a coveted refuge away from the stressful cacophony of the terminal. You can access a spread of complimentary food and drinks, WiFi, private workstations and, sometimes, even showers.

Normally, airport lounge access costs about $50 per visit, or you can buy an annual membership for around $450 plus fees. Actual pricing varies by the type of lounge, and not all lounges allow anyone to just walk up and buy a pass for the day. (Delta SkyClubs, for example, did away with this option in 2018.)

Other privileges that come with an airport lounge pass include complimentary magazines and newspapers, free Wi-Fi, and dedicated customer service agents to update you about your flight status or assist with travel disruptions.

For true road-warriors, the annual $450 fee is well worth it. Even if you don’t travel every week, however, some credit cards help lower or even eliminates the cost of accessing airport lounges. Savvy travelers use points to unlock airport lounge access while others sign up for credit cards that include access to specified lounges as as a benefit.

So, which credit cards give you access to airport lounges? We have our seven faves listed here:

7 Best Credit Cards With Lounge Access

Chase Sapphire Reserve

Chase Sapphire Reserve Credit Card

The Chase Sapphire Reserve card comes with an annual fee of $550 – But if you’re a frequent traveler, it might be worth every penny.

Through Priority Pass Select, Sapphire Reserve cardholders can get access to over 1,000 airport lounges worldwide. Plus, every four years, cardholders are eligible to be reimbursed for the TSA PreCheck or Global Entry fee.

Right now, the Chase Sapphire Reserve card is offering triple points on travel and dining expenses, plus 1X points on all other eligible purchases. Zero foreign transaction fees make international travel a breeze.

Plus, every year, Chase Sapphire Reserve cardholders get a $300 gift in the form of travel credit or reimbursement for any travel expenses incurred throughout the year.

Learn more, read our Chase Sapphire Reserve Review.

Current Welcome Bonus: 50,000 bonus points (up to a $750 value) after spending $4,000 in the first 3 months.


United Club℠ Card

united club cardThe United Club℠ Card is a premium co-branded airline card for people who love United Airlines and their Star Alliance Partners. Like the Chase Sapphire Reserve card, it also comes with a $450 fee.

This card grants you access to the United Club Lounge and also unlocks Premier Access for priority boarding and two free checked bags.

This card lets you cash in on 1.5X miles on your purchases, whether travel-related or not, but you only get 2X miles on United purchases.

There are no foreign transaction fees, putting this card on par with the best travel credit cards on the market.

Current Welcome Bonus: 50,000 bonus miles after spending $3,000 in the first 3 months.


The Platinum Card® from American Express

the platinum card from american express
  • 60,000 membership rewards points after spending $5,000 in the first 3 months

With a higher-than-average annual fee of $550, the Amex Platinum Card needs to step up its travel rewards credit card game to be a favorite among frugal travelers.

That said, it kind of has, though the Chase Sapphire Reserve has stepped in over the years and filled in the gaps that Amex was not filling.

Nowadays, the Platinum Card is still worth carrying if you are a traveler with a few specific preferences.

Mainly, this card is great for Hilton and Marriott lovers plus hotel-goers who want access to perks like free nights and 5X points on booking through the Fine Hotels & Resorts program.

If you are a luxury traveler, this is the card for you.

Current Welcome Bonus: 60,000 points after spending $5,000 in the first 3 months. Since Amex Membership Rewards points are worth 2 cents per point, this bonus is worth $1,200 – or double the annual fee.


Delta SkyMiles® Reserve American Express Card

delta skymiles reserve amex
  • complimentary access to Delta SkyClubs when traveling Delta

If you want to enjoy luxury travel with a friend, we recommend the Delta Reserve Credit Card.

The annual fee for this card is $550, but the perks are worth noting.

You will receive complimentary access into the Delta SkyClubs® when traveling on a Delta flight and this card’s miles earning is acceptable, at 3x the miles on Delta purchases, and 1X the Skymiles on all other purchases.

The real value in this card is in its annual miles boost – 15,000 Medallion Qualification Miles (MQMs) when you spend $30,000 or more in the calendar year, up to four times per year getting you closer to Medallian Status.  Cardholders can also earn up to 100,000 bonus miles, now through 4/1/2020,

Current Welcome Bonus: Earn 80,000 bonus miles and 20,000 Medallion(R) Qualification Miles (MQMs) after you spend $5,000 in purchases on your new card in your first 3 months, plus an additional 20,000 bonus miles after your first anniversary.


Hilton Honors American Express Surpass® Card

Hilton honors american express surpass card
  • 125,000 Hilton Honors bonus points after spending $2,000 in the first 3 months

Here’s a co-branded Hilton and Amex credit card that comes with no foreign transaction fees and complimentary Priority Pass Select and 10 free airport lounge visits per year.

If you love Hilton, this card brings you an unmatched 12X Hilton Honors bonus points on every Hilton purchase and 6X points on spending at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.

For all other purchases, users accumulate 3X Hilton Honors points on every dollar. Enjoy Hilton Honors Gold status and, with spending of over $40,000 per year, you’ll be upgraded to Hilton Honors Diamond status.

Current Welcome Bonus: Earn 125,000 Hilton Honors Bonus Points after spending $2,000 in purchases in the first 3 months.


Citi Prestige® Credit Card

citi prestige credit cardAnother Priority Pass Select partner, the Citi Prestige®, is for the avid traveler.

This card delivers $250 in annual travel credits every calendar year, and it also offers some nice rewards on spending.

Right now, this card is offering some of the best, uncapped reward redemptions on spending across the board.

Enjoy 5X ThankYou points on air travel and restaurants, 3X on hotels and cruise lines, and 1X points on all other purchases.

Your points easily transfer to particular airline loyalty programs like TrueBlue, Virgin Atlantic Flying Club, and Singapore Airlines. When you book three hotels through ThankYou.com, cardmembers are offered a fourth-night stay for free.

Current Welcome Bonus: Earn 50,000 Bonus Points after spending $4,000 in the first 3 months.


United Explorer Card

United Explorer Card
  • 60,000 bonus miles after you spend $3,000 in the first 3 months

Chase is known for having some of the best travel rewards credit cards. The co-branded United Explorer card is not the most popular of Chase’s travel cards, but it’s on our list because of its anniversary gift of two complimentary United Club passes that are deposited into your account every anniversary.

You’ll also get 25% of your United spending back as a statement credit when you purchase food, beverages, and Wi-Fi onboard with your United Explorer card.

As a United Explorer member, the primary cardholder will also receive priority boarding on United flights, as well as one free checked bag.

The rewards are pretty straightforward, at 2X miles per $1 spent on United purchases, restaurants, and hotel stays. Like many of Chase’s travel credit cards, cardholders receive a $100 statement credit every 4 years for the TSA Precheck or Global Entry fee.

Current Welcome Bonus: Earn 60,000 bonus miles after spending $3,000 on purchases in your first 3 months your account is open.
Additional Disclosures: Millennial Money has partnered with CardRatings and creditcards.com for our coverage of credit card products. Millennial Money, CardRatings and creditcards.com may receive a commission from card issuers. This site does not include all financial companies or financial offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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