The best business credit cards with lounge access offer benefits like complimentary or discounted access to lounges, travel rewards, $0 foreign transaction fees, priority boarding, and free checked baggage. These cards are ideal for business owners who travel frequently and prefer to spend their waiting time in cozy lounges with food, beverage, and Wi-Fi access.
Our top recommendations include travel business cards, cobranded airline cards, and personal travel credit cards.
Here are the eight best business cards with airport lounge access:
- American Express Business Platinum Card®: Overall best business credit card with airport lounge access to The Global Lounge Collection and a high credit limit
- U.S. Bank Business Altitude ConnectTM World Elite Mastercard®: Best for low annual fee with VIP access to over 1,300 lounges worldwide
- United ClubSM Business Card: Best for complimentary access to United Club locations
- Capital One Venture X Business Credit Card: Best for two complimentary visits to Capital One Lounges and Priority PassTM
- Hilton Honors American Express Business Card: Best for stays at Hilton properties with limited lounge access and low annual fee
- Delta SkyMiles® Reserve Business American Express Card: Best for complimentary access to Delta Sky Club®, The Centurion® Lounge, and Escape Lounge
- Chase Sapphire Reserve®: Best personal credit card with Priority PassTM Select membership
- Citi/AAdvantage® Executive World Elite Mastercard®: Best personal credit card for frequent American Airlines travelers
Overview of the Best Business Credit Cards With Airport Lounge Access
Best For | Annual Fee | Ongoing Rewards | Lounge Access | ||
---|---|---|---|---|---|
American Express Business Platinum Card® | (Overall best) Those wanting access to The Global Lounge Collection and a high credit limit | $695 | Up to 5x points | American Express Global Lounge Collection access to over 1,400 airport lounges | |
U.S. Bank Business Altitude ConnectTM World Elite Mastercard® | Low annual fee with VIP access to Priority PassTM lounges worldwide | $95; waived for the first year | Up to 5x points | Priority PassTM Digital annual membership with access to more than 1,300 VIP lounges worldwide | |
United ClubSM Business Card | Complimentary access to United Club locations | $450 | Up to 2x miles | Access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide | |
Capital One Venture X Business Credit Card | Two complimentary visits to Capital One Lounges and Priority PassTM | $395 | Up to 10x miles | Two complimentary visits to Capital One Lounges and Partner Lounge Network | |
Hilton Honors American Express Business Card | Stays at Hilton properties with limited lounge access and low annual fee | $195 | Up to 12x points | 10 complimentary visits to over 1,200 airport lounges each year after enrolling in Priority Pass™ Select Membership | |
Delta SkyMiles® Reserve Business American Express Card | Complimentary access to Delta Sky Club®, The Centurion® Lounge, and Escape Lounge | $650 | Up to 3x miles | Access to Delta Sky Clubs and The Centurion® Lounge® or Escape Lounge–The Centurion® Studio Partner | |
Chase Sapphire Reserve® | Access to Priority PassTM Select lounges | $550, plus $75 for each authorized user | Up to 10x points | Access to over 1,300 airport lounges worldwide by enrolling in Priority Pass™ Select | |
Citi/AAdvantage® Executive World Elite Mastercard® | Frequent American Airlines travelers | $595 | Up to 10x AAdvantage® miles | Full membership access privileges to Admirals Club® lounges |
American Express Business Platinum Card®: Overall Best Business Credit Card With Airport Lounge Access to The Global Lounge Collection & a High Credit Limit
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Who Should Consider the American Express Business Platinum Card®
Those who want access to more than 1,400 airport lounges through the Global Lounge Collection on top of luxury travel perks, such as fee credits and upgrade status to Marriott Bonvoy® and Hilton HonorsTM, may want our best business credit card with lounge access.
It charges a high annual fee of $695, the highest among the listed cards here, but it makes up for that with the points rewards that you can earn, rebates from notable brands such as Dell Technologies and Adobe, and American Express’s pay over time feature. These are why it is also our top high-limit business card and one of our best business cards for travel.
Airport lounge access:
- Unlimited complimentary access to more than 1,400 airport lounges globally, including The Centurion® Lounge, Escape Lounges – The Centurion® Studio Partner, Delta Sky Club® (when flying Delta), Lufthansa Lounges (when flying Lufthansa Group), Plaza Premium, and Priority PassTM Select Lounges. Please take note of American Express’ access requirements and guest policies per lounge.
Other benefits:
- Receive 120,000 Membership Rewards® Points after spending $15,000 in qualifying purchases within the first three months from the date of card membership
- Earn up to 5x Membership Rewards® Points in selected spending categories
- Get over $1,000 in statement credit on the following: Dell Technologies, Adobe, Indeed, and phone service providers
- Issue employee cards at no additional cost
Important considerations:
- It does not have a 0% introductory period on purchases and balance transfers.
- It requires you to pay in full each month.
- It charges an annual fee of $695.
U.S. Bank Business Altitude ConnectTM World Elite Mastercard®: Best for Low Annual Fee With VIP Access to Over 1,300 Lounges Worldwide
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit on every three consecutive monthly taxi or rideshare trips.
- No foreign transaction fees.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay® Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
- No foreign transaction fee
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit on every three consecutive monthly taxi or rideshare trips.
- No foreign transaction fees.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay® Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
- No foreign transaction fee
Who Should Consider the U.S. Bank Business Altitude ConnectTM World Elite Mastercard®
Business owners who want complimentary access to over 1,300 lounges globally and premium rewards on selected categories would want this airport lounge access business credit card. It charges a low annual fee of $95 (waived for the first year) and lets you divide eligible purchases into equal monthly payments with no interest through the U.S. Bank’s ExtendPay® Plan. It’s not surprising that it’s also one of our leading business fuel cards and best business cards that don’t report to personal credit.
Airport lounge access:
- Enter more than 1,300 VIP lounges worldwide through the Priority PassTM Digital annual membership
- Receive four complimentary visits per membership year
Other benefits:
- Get 60,000 bonus points after spending $6,000 in purchases within the first 180 days from the date of account opening
- Receive up to 5x points per dollar spent on selected spending categories
- Enjoy $0 foreign transaction fees
- Transfer points between your business and personal Altitude cards
Important considerations:
- It does not have a 0% introductory period on purchases and balance transfers.
- Premium rewards are capped at $150,000.
United ClubSM Business Card: Best for Complimentary Access to United Club Locations
United Club℠ Business Card
BEST FOR:
United Airlines enthusiasts who use airport lounge access regularly
- 50,000 bonus miles after spending $5,000 on purchases within the first three months after account opening
- United ClubSM membership
- Two Premier Access® travel services
- First and second checked bag free
- Earn double miles on tickets purchased from United
- Earn 1.5 miles per $1 spent on all other purchases
- No foreign transaction fees
Pros
- With free first and second checked bags
- Welcome offer
- Offers United Club membership
Cons
- Charges high annual fee
- Does not have a 0% introductory period on purchases and balance transfers
- United Club membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.
- Avis President’s Club®: Primary cardholders are invited to enroll in Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental services, and more.
- Free two checked bags: The primary cardholder and their companion traveling with the same reservation will each receive free checked bags (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person).
- Lost luggage reimbursement: You and your immediate family member are covered up to $3,000 if you check or carry luggage damaged or lost by the carrier.
- Baggage delay insurance: If there’s a baggage delay of more than six hours, you can be reimbursed for essential purchases, such as toiletries and clothing, up to $100 a day for three days.
- 50,000 bonus miles after spending $5,000 on purchases within the first three months after account opening
- United ClubSM membership
- Two Premier Access® travel services
- First and second checked bag free
- Earn double miles on tickets purchased from United
- Earn 1.5 miles per $1 spent on all other purchases
- No foreign transaction fees
Pros
- With free first and second checked bags
- Welcome offer
- Offers United Club membership
Cons
- Charges high annual fee
- Does not have a 0% introductory period on purchases and balance transfers
- United Club membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.
- Avis President’s Club®: Primary cardholders are invited to enroll in Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental services, and more.
- Free two checked bags: The primary cardholder and their companion traveling with the same reservation will each receive free checked bags (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person).
- Lost luggage reimbursement: You and your immediate family member are covered up to $3,000 if you check or carry luggage damaged or lost by the carrier.
- Baggage delay insurance: If there’s a baggage delay of more than six hours, you can be reimbursed for essential purchases, such as toiletries and clothing, up to $100 a day for three days.
Who Should Consider the United ClubSM Business Card
If you fly with United Airlines frequently, you may want this airport lounge access business credit card as it gives you access to United Club locations and participating Star AllianceTM for you and an eligible companion through the United ClubSM membership. It also offers the first and second checked bags for you and one companion for free and lets you earn miles rewards. For this reason, this card is included in our roundup of the best business cards for miles.
Airport lounge access:
- Gain access for you and one companion to all United Club locations and participating Star AllianceTM-affiliated lounges globally.
- Receive complimentary amenities, which include Wi-Fi, beverages, snacks, and personalized travel assistance. Access policies vary by airline, so check your airline’s lounge policy or the Star Alliance’s Lounge Access Policy.
Other benefits:
- Earn 75,000 bonus miles and 1,000 Premier Qualifying Points (PQPs) after spending $5,000 in purchases within the first three months from the date of account opening
- Earn up to 2x miles on selected spending categories
- Issue employee cards at no additional cost
- Receive reimbursement of up to $10,000 per person and $20,000 per trip for your pre-paid non-refundable travel expenses
Important considerations:
- It does not have a 0% introductory period on purchases and balance transfers.
- It charges an annual fee of $450.
Capital One Venture X Business Credit Card: Best for Two Complimentary Visits to Capital One Lounges and Priority PassTM
- Earn 150,000 bonus miles after spending $30,000 within the first three months of card ownership
- 10x miles on hotels and rental cars booked through Capital One Travel
- 5x miles on flights booked through Capital One Travel
- Unlimited 2x miles on every purchase
Pros
- With sign-up bonus
- Has premium rewards if you book your hotel stays and rental cars through Capital One Travel
- Flexible redemption options
Cons
- Requires you to pay your balances in full each month
- Charges $395 annual fee
- No preset spending limit: Able to adapt to your needs based on spending behavior, payment history, and credit profile
- Annual travel credit: Receive an annual $300 credit for bookings through Capital One Travel
- Priority Pass™: Get a complimentary membership and enjoy unlimited free visits for you and up to 2 guests
- Earn 150,000 bonus miles after spending $30,000 within the first three months of card ownership
- 10x miles on hotels and rental cars booked through Capital One Travel
- 5x miles on flights booked through Capital One Travel
- Unlimited 2x miles on every purchase
Pros
- With sign-up bonus
- Has premium rewards if you book your hotel stays and rental cars through Capital One Travel
- Flexible redemption options
Cons
- Requires you to pay your balances in full each month
- Charges $395 annual fee
- No preset spending limit: Able to adapt to your needs based on spending behavior, payment history, and credit profile
- Annual travel credit: Receive an annual $300 credit for bookings through Capital One Travel
- Priority Pass™: Get a complimentary membership and enjoy unlimited free visits for you and up to 2 guests
Who Should Consider the Capital One Venture X Business Credit Card
This airport lounge access business credit card is viable if you want a pay-in-full business credit card with complimentary access to Capital One Lounges and Priority PassTM for you and up to two guests. Not only does it let you earn up to 10x miles in purchases on selected spending categories, but it also provides a no preset spending limit. It’s not a surprise that this is also one of our leading business cards for limited liability companies (LLCs).
Airport lounge access:
- Receive complimentary membership and unlimited access to both Priority PassTM and Capital One Lounges you and up to two guests
Other benefits:
- Earn up to 75,000 bonus miles after spending $4,000 in the first 3 months
- Gain up to 10x miles on selected spending categories
- Get a $300 annual travel credit after securing your bookings through Capital One Travel
- Transfer earned miles to Capital One’s more than 15 travel loyalty programs
Important considerations:
- It requires you to pay your balances in full each month.
- It requires excellent credit to qualify for the card.
- It charges an annual fee of $395.
Hilton Honors American Express Business Card: Best for Stays at Hilton Properties With Limited Lounge Access & Low Annual Fee
The Hilton Honors American Express Business Card
BEST FOR:
Maximizing rewards on Hilton-related purchases
- Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- ENHANCED: Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- NEW: Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- NEW: Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Offers a sign-up bonus
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Complimentary Priority Pass visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
- Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- ENHANCED: Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- NEW: Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- NEW: Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Offers a sign-up bonus
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Complimentary Priority Pass visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
Who Should Consider the Hilton Honors American Express Business Card
Those who stay primarily at any Hilton property when traveling would want this airport lounge access business credit card. While it lets you earn premium rewards when making direct purchases at any hotel and resort included in the Hilton portfolio, it gives you 10 complimentary visits to over 1,200 airport lounges annually through the Priority PassTM Select Membership. For this reason, this card is one of our best business cards for travel.
Airport lounge access:
- Get 10 complimentary visits each year to more than 1,200 airport lounges through the Priority PassTM Select Membership
Other benefits:
- Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5.
- Get up to 12x Hilton Honors points per dollar spent on selected spending categories
- Issue employee cards at no additional cost
- View your purchase history via receiving online statements to help make reports and budget your expenses
Important considerations:
- It does not have a 0% introductory period on purchases and balance transfers.
- Its premium rewards are only limited to purchases made in any Hilton property.
- It has limited redemption options.
Delta SkyMiles® Reserve Business American Express Card: Best for Complimentary Access to Delta Sky Club®, The Centurion® Lounge, and Escape Lounge
Delta SkyMiles® Reserve Business American Express Card
BEST FOR:
Delta SkyMiles® Reserve Business American Express Card
- Welcome Offer: Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
- Earn 3 miles per dollar on eligible Delta purchases.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
- Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
- Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $60 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $240 per round-trip flight. When you purchase a Delta flight with your Delta SkyMiles Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $250 after using your Delta Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Pay no foreign transaction fees when you travel overseas.
- Terms and limitations apply.
Pros
- Premium travel perks
- No foreign transaction fees
- Lucrative welcome bonus
Cons
- High annual fee
- No opportunity for introductory financing
- Balance transfers aren’t available
- Annual miles boost: Earn 15,000 Medallion Qualifying Miles (MQMs) and 15,000 bonus miles after spending $30,000 each year.
- Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
- Free checked baggage: Receive free checked baggage for you and eight guests.
- Priority boarding: You can board your flight when Main Cabin 1 priority boarding is called.
- In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
- Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.
- Welcome Offer: Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
- Earn 3 miles per dollar on eligible Delta purchases.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
- Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
- Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $60 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $240 per round-trip flight. When you purchase a Delta flight with your Delta SkyMiles Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $250 after using your Delta Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Pay no foreign transaction fees when you travel overseas.
- Terms and limitations apply.
Pros
- Premium travel perks
- No foreign transaction fees
- Lucrative welcome bonus
Cons
- High annual fee
- No opportunity for introductory financing
- Balance transfers aren’t available
- Annual miles boost: Earn 15,000 Medallion Qualifying Miles (MQMs) and 15,000 bonus miles after spending $30,000 each year.
- Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
- Free checked baggage: Receive free checked baggage for you and eight guests.
- Priority boarding: You can board your flight when Main Cabin 1 priority boarding is called.
- In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
- Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.
Who Should Consider the Delta SkyMiles® Reserve Business American Express Card
This card is ideal for those who fly with Delta Air Lines frequently. Aside from offering complimentary access to notable airport lounges, such as Delta Sky Club®, The Centurion® Lounge, and Escape Lounge, it lets you earn up to 3x miles on eligible purchases made in selected spending categories. It’s also one of our best business cards for miles.
Airport lounge access:
- Enjoy complimentary access to Delta Sky Club® for you and a per-visit rate of $50 per person—up to two guests or immediate family members
- Receive complimentary access to The Centurion® Lounge or Escape Lounge
Other benefits:
- Get 75,000 bonus miles after spending $10,000 in purchases within the first three months from the date of account opening
- Earn up to 3x miles on selected spending categories
- Enjoy $0 foreign transaction fees
- Secure a round-trip Companion Certificate for Domestic First Class, Delta Comfort+®, or Main Cabin each year upon renewal of your card
Important considerations:
- It does not offer a 0% introductory period on purchases and balance transfers.
- It charges an annual fee of $650.
Chase Sapphire Reserve®: Best Personal Credit Card With Priority PassTM Select Membership
Chase Sapphire Reserve®
BEST FOR:
Those who want to receive exceptional travel rewards and benefits
- 60,000 bonus points (worth $900 in travel) after spending $4,000 on purchases in the first three months after opening an account
- 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually
- 10x total points on Chase dining booked through Chase Ultimate Rewards®—these include prepaid restaurant reservations, ordering takeout, or joining virtual cooking events
- 5x total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually
- 3x points on other travel worldwide after the first $300 is spent on travel purchases annually
- 3x points on dining and restaurants (including eligible delivery services, takeout, and dining out)
Pros
- With $300 annual travel credit
- Lucrative rewards at 50% more when redeemed through the Chase Ultimate Rewards®
- With complimentary airport lounge access
Cons
- Charges a high annual fee
- Does not offer a 0% introductory period on purchases and balance transfers
- Requires excellent credit
- Luxury Hotel & Resort Collection™: You can secure the Luxury Hotel & Resort Collection™ and upgrade your hotel accommodations with room upgrades, complimentary daily breakfast, late checkout, and a special benefit of up to $100.
- Travel accident insurance: You are eligible to receive accidental death or dismemberment coverage of up to $1,000,000 when you pay for your air, bus, train, or cruise transportation with your card.
- Purchase protection: You can get protection for purchases made using your card against damage or theft within 120 days from the date of purchase. You’re allowed a maximum of $10,000 coverage per claim and $50,000 annually.
- Return protection: You can receive coverage if the eligible item bought with your card isn’t taken back by the store. You can be reimbursed for eligible items within 90 days of purchase, up to $500 per item and $1,000 per year.
- 60,000 bonus points (worth $900 in travel) after spending $4,000 on purchases in the first three months after opening an account
- 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually
- 10x total points on Chase dining booked through Chase Ultimate Rewards®—these include prepaid restaurant reservations, ordering takeout, or joining virtual cooking events
- 5x total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually
- 3x points on other travel worldwide after the first $300 is spent on travel purchases annually
- 3x points on dining and restaurants (including eligible delivery services, takeout, and dining out)
Pros
- With $300 annual travel credit
- Lucrative rewards at 50% more when redeemed through the Chase Ultimate Rewards®
- With complimentary airport lounge access
Cons
- Charges a high annual fee
- Does not offer a 0% introductory period on purchases and balance transfers
- Requires excellent credit
- Luxury Hotel & Resort Collection™: You can secure the Luxury Hotel & Resort Collection™ and upgrade your hotel accommodations with room upgrades, complimentary daily breakfast, late checkout, and a special benefit of up to $100.
- Travel accident insurance: You are eligible to receive accidental death or dismemberment coverage of up to $1,000,000 when you pay for your air, bus, train, or cruise transportation with your card.
- Purchase protection: You can get protection for purchases made using your card against damage or theft within 120 days from the date of purchase. You’re allowed a maximum of $10,000 coverage per claim and $50,000 annually.
- Return protection: You can receive coverage if the eligible item bought with your card isn’t taken back by the store. You can be reimbursed for eligible items within 90 days of purchase, up to $500 per item and $1,000 per year.
Who Should Consider the Chase Sapphire Reserve®
As a personal credit card for business, this card provides complimentary access for you and up to two guests to more than 1,300 airport lounges worldwide through Priority PassTM Select Membership. It also offers you the ability to earn up to 10x points on selected spending categories.
Airport lounge access:
- Secure complimentary access for you and up to two guests to over 1,300 airport lounges globally after enrolling in the Priority PassTM Select Membership
Other benefits:
- Get 60,000 bonus points after spending $4,000 in purchases within the first three months from the date of account opening
- Earn up to 10x points in purchases from selected spending categories
- Enjoy $0 foreign transaction fees
- Pay off eligible purchases of $100 or more in equal monthly payments through the My Chase Plan
Important considerations:
- It charges an annual fee of $550 (plus $75 for each authorized user).
- It does not have a 0% introductory period on purchases and balance transfers.
- It requires excellent credit to qualify.
Citi / AAdvantage® Executive World Elite Mastercard®: Best Personal Credit Card for Frequent American Airlines Travelers
Citi® / AAdvantage® Executive World Elite™ Mastercard®
BEST FOR:
American Airlines frequent flyers who want premium airport lounge access
- Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 in purchases within the first 3 months of account opening
- 10x AAdvantage® miles for every dollar spent on eligible car rentals booked through aa.com/cars
- 10x AAdvantage® miles for every dollar spent on eligible hotels booked through aa.com/hotels
- 4x AAdvantage® miles for every dollar spent on American Airlines purchases
- 1x AAdvantage® miles for every dollar spent on all other purchases
- 5x AAdvantage® miles for every dollar spent on American Airlines purchases for the rest of the year after meeting the $150,000 cap
Pros
- Welcome offer
- Offers comprehensive travel perks
- Provides Admirals Club® membership
Cons
- Does not have interest-free financing option for both purchases and balance transfers
- Charges high annual fee
- First checked bag free: Offers a free first checked bag on domestic American Airlines itineraries for you and up to eight travel companions on the same reservation.
- Global Entry or TSA PreCheck® application fee credit: You can receive one statement credit up to $100 per account every five years for either the Global Entry or the TSA PreCheck® program application fee
- Discount on inflight food and beverage: You’ll receive a 25% savings on inflight purchases of food and beverages on flights operated by American Airlines.
- Enhanced airport experience: Enjoy priority check-in, priority airport screening, and priority boarding privileges for you and up to eight travel companions on the same reservation.
- Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 in purchases within the first 3 months of account opening
- 10x AAdvantage® miles for every dollar spent on eligible car rentals booked through aa.com/cars
- 10x AAdvantage® miles for every dollar spent on eligible hotels booked through aa.com/hotels
- 4x AAdvantage® miles for every dollar spent on American Airlines purchases
- 1x AAdvantage® miles for every dollar spent on all other purchases
- 5x AAdvantage® miles for every dollar spent on American Airlines purchases for the rest of the year after meeting the $150,000 cap
Pros
- Welcome offer
- Offers comprehensive travel perks
- Provides Admirals Club® membership
Cons
- Does not have interest-free financing option for both purchases and balance transfers
- Charges high annual fee
- First checked bag free: Offers a free first checked bag on domestic American Airlines itineraries for you and up to eight travel companions on the same reservation.
- Global Entry or TSA PreCheck® application fee credit: You can receive one statement credit up to $100 per account every five years for either the Global Entry or the TSA PreCheck® program application fee
- Discount on inflight food and beverage: You’ll receive a 25% savings on inflight purchases of food and beverages on flights operated by American Airlines.
- Enhanced airport experience: Enjoy priority check-in, priority airport screening, and priority boarding privileges for you and up to eight travel companions on the same reservation.
Who Should Consider the Citi / AAdvantage® Executive World Elite Mastercard®
Business owners who travel with American Airlines frequently would want this airport lounge access business credit card. On top of receiving the Admirals Club® membership (valued at $850), it lets you earn up to 10 AAdvantage® miles on selected spending categories. You can use your earned miles for seat upgrades, car rentals, hotels, vacation packages, and Admirals Club® access.
Airport lounge access:
- Get complimentary access to around 50 Admirals Club® lounges and more than 60 partner lounges worldwide through the Admirals Club® membership
Other benefits:
- Earn 70,000 American Airlines AAdvantage® miles and a complimentary Admirals Club® membership after spending $7,000 in purchases within the first three months from the date of account opening
- Get up to 10x AAdvantage® miles on selected spending categories
- Save up to 25% on inflight food and beverage purchases on American Airlines flights
- Enjoy a foreign transaction fee of 50 cents
Important considerations:
- It does not have a 0% introductory period on purchases and balance transfers.
- It charges an annual fee of $595.
How We Selected the Best Business Credit Cards With Lounge Access
While we prioritize complimentary airport lounge access, we considered travel rewards and other features when selecting the best business credit cards with airport lounge access. Travel perks like no foreign transaction fee, travel credits for incidental fees, priority boarding, free checked bags, companion certificates, and travel insurance are also taken into account. We selected cards associated with some of the most popular airlines and cards associated with independent airport lounge programs.
Frequently Asked Questions (FAQs)
Free access to airport lounges offers complimentary amenities, such as snacks and beverages, alcohol, Wi-Fi, power outlets, restrooms, and comfortable seats, to relax or work while waiting for your flight. It’s important to note that amenities may vary depending on what is offered by your chosen credit card. Make sure to ask the issuer for the complete access details.
The business credit card with airport lounge access that’s right for you will vary depending on your unique business’s needs. To find the best one, consider the following factors:
- Fees: Most of the best business credit cards with lounge access charge high annual fees in exchange for premium travel perks. Consider the perks that are most useful to you and determine if the cost of the card justifies its benefits.
- Rewards: Depending on your spending habits, consider cards that let you earn rewards on where you typically spend the most. This allows you to maximize your earning potential by simply using the card for your everyday expenses.
- Features: Aside from complimentary or discounted airport lounge access, check the features that come with the card, including expense reporting systems, additional employee cards, and insurance coverage.
- Airlines: If you frequently fly on a specific airline, such as Delta, United Airlines, or American Airlines, getting co-branded cards is a clever idea. However, if you travel with various airlines, a card that’s not co-branded is a better option.
Using a personal credit card for business is generally not prohibited. However, you need to account for your spending carefully and keep your business and personal expenses separate. Although, ideally, a business credit card is a better option for business owners, especially if you want to build your business credit. But if you cannot qualify for a business credit card yet, you may use a personal credit card that’s dedicated solely to your business to help avoid commingling your finances.
Bottom Line
When choosing the best business credit card with airport lounge access, determine whether you would benefit more from an airline-specific credit card or one that allows access to independent lounges with more locations around the world. Be sure to consider how frequently you plan to visit airport lounges, as the majority of these cards require a high annual fee.
If your business requires you to travel frequently, you may want to have multiple credit cards with airport lounge access. Consider one card associated with your favorite airline and another with a wider selection of club access even if you fly with a different airline. Ensure that you make use of the perks and benefits to justify the annual fees. For other business credit cards, check out our guide to the best small business credit cards.