6 Best Business Credit Cards With Lounge Access 2019

Business credit cards with lounge access allow cardholders to visit various airport lounges. The best business credit cards with lounge access offer unlimited complimentary access and are designed for business owners who travel often. After reviewing several business credit cards, we found six airport lounge access credit cards for business owners.

Top 6 Best Business Credit Cards With Lounge Access June 2019

How We Evaluated Business Credit Cards With Lounge Access

To find the best business credit cards with lounge access, we focused on business credit cards that offered complimentary airport lounge access. Additionally, we included two personal credit cards that can be beneficial to business owners who are having trouble qualifying for a small business credit card. The best card for you is likely determined by which airline you choose to fly with.

Based on the needs/wants of the reader, the criteria we used to evaluate the best include:

• Lounge access: Whether a credit card offers airport lounge access. The best business credit cards with lounge access offer unlimited complimentary access to airport lounges.
• Annual fee: How much it costs to own the card each year. Business credit cards with lounge access carry annual fees up to $595.
• Introductory rewards: Any signup bonuses a card offers when you meet a minimum spending requirement. The best airport lounge access credit cards offer introductory rewards up to 75,000 points.
• Ongoing rewards: Cash back or points rewards you can earn for your everyday purchases. The best airport lounge access credit cards pay up to 5x points on travel-related purchases.
• Introductory APR: Whether or not a card offers an introductory 0% APR period for purchases and balance transfers. Airport lounge access credit cards generally don’t have an introductory APR.
• Ongoing APR: How much it costs to finance purchases and balance transfers once the promotional no-interest period ends. The best airport lounge access credit cards have ongoing APRs as low as 17.99%.

We recommend the American Express Business Platinum Card® as the overall best business credit card with lounge access. Cardholders will receive unlimited complimentary access to 1,200 airport lounges under the American Express Global Lounge Collection^SM. Plus, this card offers several unbeatable additional travel perks, like baggage insurance and rental car insurance. With that being said, it’s also one of the best travel business credit cards.

American Express Business Platinum Card®: Overall Best Business Credit Card With Lounge Access

The American Express Business Platinum Card® is the overall best business credit card with lounge access. You will have unlimited complimentary access to the American Express Global Lounge Collection^SM, which consists of 1,200 airport lounges in 130 countries. This card is a charge card, which means the balance is required to be paid off in full each month. With that being said, this American Express business credit card has no introductory or ongoing APR.

The American Express Business Platinum Card® is the only charge card on our business credit card with lounge access list. This means there is no interest and you must pay off the balance in full monthly. If you can’t afford to meet these repayment terms, it’s best to look into a traditional credit card. A good card option would be the Chase Sapphire Reserve®, which offers unlimited access to Priority Pass lounges.

American Express Business Platinum Card® Lounge Access

The American Express Business Platinum Card® provides the best airport lounge access among all small business credit cards. You’ll have unlimited complimentary access to 1,200 airport lounges around the world through the American Express Global Lounge Collection^SM.

The American Express Business Platinum Card® offers access to the following lounges:

• The Centurion® Lounge: Available at Houston George Bush Intercontinental, Las Vegas McCarran, Dallas/Fort Worth, San Francisco International, Miami International, Seattle-Tacoma, New York LaGuardia Airport, Philadelphia International Airport, and Hong Kong International airport. Access is also complimentary for up to two guests.
• The International American Express Lounges: 10 exclusive airport lounges for cardholders who are traveling internationally. Such lounges are located in Argentina, Australia, India, and Mexico. Cardholders will receive unlimited complimentary access.
• Priority Pass lounges: Cardholders will receive unlimited complimentary access to over 1,000 Priority Pass lounges across 130 countries. Access is also complimentary for one guest. Each additional guest can enter for a $27 fee.
• Airspace Lounge: This lounge is only located in the Cleveland Hopkins International Airport. Business Platinum Card® members will receive unlimited complimentary access for themselves and two guests.
• Escape Lounge: Cardholders and two additional guests will receive unlimited complimentary access to all Escape Lounges.
• Delta Sky Club: You must be flying Delta Air Lines to have complimentary access to Delta Sky Club. There are over 45 lounges located throughout international airports, with the majority being in the U.S.

The American Express Global Lounge Collection^SM is one of the best airport lounge collections available to business owners. The American Express Business Platinum Card® ranks highest in this category when compared to other airport lounge access credit cards for small businesses. If you travel often, we recommend this card because of its unbeatable travel perks.

American Express Business Platinum Card® Costs

Financing costs and fees on this American Express business credit card include:

• Introductory APR: None
• Ongoing APR: No APR because it’s a charge card and needs to be paid in full monthly
• Annual fee: $595
• Balance transfer fee: Transfers are not allowed
• Foreign transaction fee: None

The American Express Business Platinum Card® charges the highest annual fee on our business credit cards with lounge access list. However, you will receive unrivaled additional card features, maximum introductory and ongoing rewards, and the best airport lounge access. In comparison, the Chase Sapphire Reserve® has an annual fee of $450 and only offers access to Priority Pass lounges.

American Express Business Platinum Card® Rewards

The American Express Business Platinum Card® offers up to 75,000 bonus points after you spend $20,000 within the first three months. Additionally, you will receive one year of Premium Global Access from WeWork, which is a shared working space. This card also pays up to 5x points on travel-related purchases made through American Express Travel.

Introductory Rewards

You will earn the following introductory rewards when using your card:

• 50,000 points: Earn 50,000 bonus points after spending $10,000 within three months
• Additional 25,000 points: Earn an extra 25,000 bonus points after spending an additional $10,000 within the first three months
• WeWork Access: Get one year of Premium Global Access from WeWork, which gives you access to 300 or more premium workspaces in more than 75 cities

The 75,000 bonus points can be worth up to $750 in flights, Uber rides, and gift cards, and up to $525 in prepaid hotels. Plus, the WeWork membership alone is worth $2,700, which is a reward unique to American Express. Other cards on our list fall just short of this welcome offer. For example, the Hilton Honors American Express Business Card has an introductory reward that is worth $625.

Ongoing Rewards

You will earn the following ongoing rewards when using your card:

• 5x points: Earn 5x points on flights and prepaid hotels through American Express
• 1.5x points: You can earn 1.5x bonus points per dollar for eligible purchases of at least $5,000
• 1x points: Earn 1x points on all other purchases
• 35% airline bonus: Receive 3.5 extra points for every 10 points you redeem for travel through American Express Travel, up to 500,000 bonus points per year
• $200 airline fee credit: Choose one qualifying airline and receive a statement credit of up to $200 a calendar year for baggage fees and more
• $200 Dell statement credit: Get up to $100 in statement credits every six months on purchases with Dell for a total of $200 in credits every year

The ongoing rewards of 5x points provided on this business credit are considered some of the best available. On average, when redeemed for travel, American Express points are worth one cent per point. This redemption value is double than the half a cent per point provided on the Hilton Honors American Express Business Card.

American Express Business Platinum Card® Additional Features

The American Express Business Platinum Card® includes:

• Airport security screening: Either a $100 statement credit for Global Entry or $85 statement credit for TSA Pre✓® once every four years
• Annual travel credit: A $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink
• Elite car rental status: Elite status at a number of car rental agencies, which includes free upgrades
• Free in-flight Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes
• Points rebate: 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 $200 in statement credits annually for Dell purchases

The ongoing rewards on this card most likely aren’t enough to offset its $595. However, it’s additional features are more than enough to make up for the annual fee if your business travels often. Additionally, this card offers purchase protection, return protection, extended warranty protection, car rental insurance, and roadside assistance. You can learn more about these features in our American Express Business Platinum Card® review.

What the American Express Business Platinum Card® Is Missing

The American Express Business Platinum Card® is a charge card, so it’s required to be paid off in full monthly. This means you won’t be able to carry a balance or finance a large business-related purchase. If you need to carry a balance, consider a 0% APR business credit card.

American Express Business Platinum Card® Reviews

We considered both user reviews and our own editorial review when evaluating this card. The American Express Business Platinum Card® is one of the top American Express business credit cards. This card offers the best access to airport lounges and extremely beneficial travel perks. However, some users complain about the annual fee.

American Express Business Platinum Card® User Reviews

We searched the internet for user reviews and found most reviews to be positive. Cardholders say they enjoy the number of airport lounges they can access and the additional card features are beneficial. However, some users complain that if you don’t travel often enough, then the annual fee is too high.

American Express Business Platinum Card® Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. We believe the American Express Business Platinum Card® is the best business credit card with lounge access and for travel. It offers top rewards and unrivaled additional card features, including Centurion Lounge access, baggage insurance, extended warranty protection, and car rental insurance. However, its annual fee is expensive for those who don’t travel enough to get their money’s worth.

How to Apply for the American Express Business Platinum Card®

You can apply for the American Express Business Platinum Card® online in a matter of minutes. To get a business credit card, you will be required to provide your basic business and personal information. Once approved, you will receive your card within seven to 10 business days.

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Chase Sapphire Reserve®: Best for Individuals Who Want Unlimited Priority Pass Lounge Visits

The Chase Sapphire Reserve® is a personal credit card that is best for individuals who want to receive unlimited complimentary access to over 1,000 lounges through Priority Pass Select. Additionally, this card offers reimbursement for Global Entry or TSA Pre✓® fee memberships as a statement credit. You can earn 3x points on both travel- and dining-related purchases. The card costs $450 to own, and its ongoing APR starts at 19.24%.

Chase Sapphire Reserve® Lounge Access

You can enjoy a free Priority Pass Select membership, which gives you unlimited complimentary access to over 1,000 airport lounges around the world. If you pay $145 more for the American Express Business Platinum Card®, you could have access to the American Express Global Lounge Collection^SM. This collection of airport lounges includes Priority Pass and five other lounge groups.

Chase Sapphire Reserve® Costs

Financing costs and fees on the Chase Sapphire Reserve® include:

• Introductory APR: None
• Ongoing APR: 19.24% to 26.24%, which adjusts with the prime rate
• Annual fee: $450
• Balance transfer fee: $5 or 5%, whichever is greater
• Foreign transaction fee: None

The Chase Sapphire Reserve® is more affordable than the $595 annual fee on the American Express Business Platinum Card®. In comparison, the Chase Sapphire Reserve® is not a charge card, so it doesn’t need to be paid off in full every month. However, it’s important to note that any unpaid balances will accrue interest between 19.24% and 26.24% until they are fully repaid.

Chase Sapphire Reserve® Rewards

The Chase Sapphire Reserve® offers 50,000 bonus points after spending $4,000 in the first three months. Plus, you will earn up to a $300 annual travel credit as a reimbursement for travel purchases made on your card. After you receive your credit, you will start earning three points on travel worldwide.

Introductory Rewards

You will earn the following introductory rewards when using your card:

• 50,000 bonus points after you spend $4,000 in purchases within the first three months

This introductory rewards offer is worth $750 toward airfare, hotels, car rentals, and cruises when you redeem through Chase’s rewards portal. This introductory rewards redemption value is identical to the bonus points offered on the American Express Business Platinum Card®. However, that card also offers WeWork access, which is worth $2,700 alone.

Ongoing Rewards

You will earn the following ongoing rewards when using your card:

• 3 points on travel worldwide, immediately after earning your $300 annual travel credit
• 3 points on dining at restaurants worldwide
• 1 point on all other purchases

Initially with the Chase Sapphire Reserve®, you will automatically receive up to $300 in statement credits as reimbursement for travel purchases charged to your card each account anniversary year. After earning your annual travel credit, you will then be able to earn three points on travel worldwide. Conversely, with the American Express Business Platinum Card®, you can earn five points on travel-related purchases upon receiving your card.

Chase Sapphire Reserve® Additional Features

The Chase Sapphire Reserve® includes:

• Annual travel credit: $300 annual travel credit for travel purchases charged to your card each year
• Bonus points value: Get 50% more value when you redeem for travel through Chase Ultimate Rewards
• Airport security screening credit: $100 statement credit for Global Entry or TSA Pre✓® once every four years
• Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year
• Extended warranty protection: Extends the time period of the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less

In addition, the Chase Sapphire Reserve® also offers car rental insurance, lost luggage reimbursement, return protection, and trip cancellation insurance. These additional features fall short of the American Express Business Platinum Card®. That card offers roadside assistance, free in-flight Wi-Fi, and access to the most airport lounges.

What the Chase Sapphire Reserve® Is Missing

The Chase Sapphire Reserve® is not a business credit card, which means you won’t be able to use it to help build your business credit. This is a good option only if you can’t qualify for a business credit card. If you want to have airport lounge access and build business credit, consider the American Express Business Platinum Card®.

Chase Sapphire Reserve® Reviews

We considered both user reviews and our own editorial review when rating this card. The free Priority Pass Select membership is valuable, but the card might not be best if you need to build business credit because it’s a personal credit card.

Chase Sapphire Reserve® User Reviews

We read several online Chase Sapphire Reserve® user reviews and found most to be positive. Cardholders say they enjoy the substantial introductory rewards and the card’s premium travel benefits. There are some complaints about the lack of an introductory APR period.

Chase Sapphire Reserve® Editorial Reviews

We rate credit cards based on their costs, rewards, and benefits. The Chase Sapphire Reserve® is a strong personal credit card with lounge access that business owners can use if they can’t qualify for a business credit card. Remember, however, that you won’t be able to build your business credit with this card.

How to Apply for the Chase Sapphire Reserve®

You can apply online for the Chase Sapphire Reserve® in a matter of minutes. You’ll be required to fill out a basic application, which includes your basic personal information. Once approved, you will receive your card within seven to 10 days.

Note: The information related to the Chase Sapphire Reserve® has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

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Hilton Honors American Express Business Card: Best for Business Owners Who Are Existing Hilton Customers

The Hilton Honors American Express Business Card is best for business owners who are existing Hilton customers and want 10 Priority Pass visits per year. Priority Pass consists of airport lounges, restaurants, and mini-suites that are located throughout 35 major U.S. airports. Additionally, it offers a substantial introductory offer and top ongoing Hilton Honors points rewards. The ongoing APR is between 17.99% and 26.99%.

Hilton Honors American Express Business Card Lounge Access

You’ll receive 10 Priority Pass visits every year. Without these complimentary passes, it would cost $299 per year for 10 Priority Pass visits. After you’ve used your 10 visits, it will cost $32 for each visit. This lounge access, worth $299, quickly offsets the $95 annual fee. If you want to receive unlimited Priority Pass visits, the Chase Sapphire Reserve® personal credit card would be a good option. However, its annual fee is $450.

Hilton Honors American Express Business Card Costs

The costs and fees on the Hilton Honors American Express Business Card are:

• Introductory APR: None
• Ongoing APR: 17.99% to 26.99%, which adjusts with the prime rate
• Annual fee: $95
• Balance transfer fee: Transfers are not allowed
• Foreign transaction fee: None

Unlike the American Express Business Platinum Card®, the Hilton Honors American Express Business Card is a credit card and is not required to be paid in full every month. Additionally, its annual fee of $95 is far below the $595 annual fee on the American Express Business Platinum Card®. If you don’t need unlimited access to Priority Pass lounges, the Hilton Honors American Express Business Card would be a less expensive pick.

Hilton Honors American Express Business Card Rewards

The Hilton Honors American Express Business Card offers 125,000 bonus points if you spend $3,000 within the first three months. Plus, you can earn bonus category rewards on Hilton hotels and resorts, travel, business purchases, gas stations, wireless phone services, shipping, flights, and car rentals.

Introductory Rewards

You will earn the following introductory rewards when using your card:

• 125,000 Hilton Honors Bonus Points after spending $3,000 within the first three months

The introductory reward offered on this card is worth approximately $625. This means that each Hilton Honors Bonus point is worth half a cent. In comparison, the American Express Business Platinum Card® has an introductory reward worth up to $750 and its points are worth one cent when redeemed for travel.

Ongoing Rewards

You will earn the following ongoing rewards when using your card:

• 12x points: Earn 12x points per dollar for purchases made directly with hotels and resorts in the Hilton portfolio
• 6x points: Earn 6x points per dollar on select business purchases (gas stations, wireless telephone services, and U.S. purchases for shipping)
• 6x points: Earn 6x points per dollar on select travel purchases (U.S. restaurants, on flights booked directly with airlines or with American Express Travel, and select car rentals)
• 3x points: Earn 3x points per dollar on other purchases
• Free weekend night reward: Earn a free weekend night reward after you spend $15,000 in one year; earn a second weekend night reward after you spend $60,000 in one year

The rewards offered on this card may look rather strong at first glance. However, it’s important to reiterate that Hilton Honors points are only worth a half a cent each. For example, 12x points would be equal to six cents. With that being said, these are still considered some of the best points available among other travel rewards business credit cards.

Hilton Honors American Express Business Card Additional Features

The Hilton Honors American Express Business Card includes:

• Complimentary Gold Status: You will receive complimentary Hilton Honors Gold Status
• Free weekend night rewards: Earn a free weekend night stay after you spend $15,000 in a year
• Purchase protection: Covers your purchases for 120 days from purchase date if they’re damaged or stolen; coverage is limited to $1,000 per item and $50,000 per year
• Extended warranty protection: Offers up to an additional two years of coverage on manufacturer’s warranties of five years or less

Similar to the American Express Business Platinum Card®, this card also offers car rental insurance, baggage insurance, return protection, travel accident insurance, and roadside assistance. You can learn about these features in greater detail in our Hilton Honors American Express Business Card review.

What the Hilton Honors American Express Business Card Is Missing

The Hilton Honors American Express Business Card isn’t meant for carrying a balance because it lacks an introductory APR. Plus, it has a higher ongoing APR between 17.99% and 26.99%. If you need to carry a balance, a 0% APR business credit card would be a better option for you.

Hilton Honors American Express Business Card Reviews

We considered both user reviews and our own editorial review when rating this card. The airport lounge access and introductory rewards are what cardholders enjoy most. However, this card doesn’t offer the best point redemption value.

Hilton Honors American Express Business Card User Reviews

We scoured the internet for Hilton Honors American Express Business Card reviews and found users have mixed opinions regarding this card. Cardholders enjoy the 10 Priority Pass visits and the substantial introductory reward. However, some users complain about the redemption value of Hilton Honors Bonus points.

Hilton Honors American Express Business Card Editorial Reviews

The Hilton Honors American Express Business Card is a strong business credit card for business owners who are loyal Hilton hotel customers. It offers a substantial introductory reward and airport lounge access that is worth $299. However, compared to other business credit cards, it comes with a high ongoing APR.

How to Apply for the Hilton Honors American Express Business Card

You can apply for the Hilton Honors American Express Business Card online. You’ll be required to provide both your basic business and personal information. If you’re approved, you will receive your card in the mail within seven to 10 days.

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American Express Delta Reserve® for Business Credit Card: Best for Business Owners Who Fly With Delta Air Lines

The American Express Delta Reserve® for Business Credit Card is best for business owners who frequently fly with Delta Air Lines. It offers unlimited complimentary access to all Delta Sky Clubs for cardholders and a reduced per-visit rate ($29 per person) for up to two guests. Plus, you can earn up to 2x points on Delta-related purchases. Its ongoing APR starts at 17.99%.

American Express Delta Reserve® for Business Credit Card Lounge Access

You’ll receive unlimited complimentary Delta Sky Club access and a reduced per-visit rate of $29 per person for up to two additional guests. To enter, you must present a same-day boarding pass for a Delta Air Lines flight. This means this card is only a good option if you fly with Delta Air Lines. There are 50 Delta Sky Club locations located throughout the United States and internationally.

American Express Delta Reserve® for Business Credit Card Costs

Financing costs and fees on this American Express business credit card include:

• Introductory APR: 0% on purchases for 6 months
• Ongoing APR: 17.99% to 26.99%%, which adjusts with the prime rate
• Annual fee: $450
• Balance transfer fee: Transfers are not allowed
• Foreign transaction fee: 2.7% of each transaction after conversion to U.S. dollars

At a per-visit rate of $29 per person, you must visit Delta Sky Clubs approximately 16 times per year to offset the $450 annual fee. For $145 more, you could get the American Express Business Platinum Card® and have unlimited complimentary access to the American Express Global Lounge Collection^SM. The American Express Global Lounge Collection^SM includes Delta Sky Clubs, Priority Pass, and several other airport lounges

American Express Delta Reserve® for Business Credit Card Rewards

The American Express Delta Reserve® for Business Credit Card offers up to 80,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) when you spend $6,000 within the first three months. You can also earn 2x miles on Delta-related purchases and 1x miles on all other purchases.

Introductory Rewards

You will earn the following introductory rewards when using your card:

• 5,000 MQMs after spending $6,000 within the first three months
• 80,000 bonus miles after spending $6,000 within the first three months

The introductory rewards on this airport lounge access credit card fall short compared to other business credit cards on our list. For example, the American Express Business Platinum Card® offers up to 75,000 bonus points and the Hilton Honors American Express Business Card offers 125,000 points.

MQMs are meant to track your Delta membership status and they don’t hold any monetary value. You can earn Silver, Gold, Platinum, or Diamond Delta Medallion Status with your MQMs. With Medallion Status, you can move to the front of the line, receive waived fees, and other elite Delta perks.

Ongoing Rewards

You will earn the following ongoing rewards when using your card:

• 2x miles: Earn two miles on every eligible dollar spent on purchases made directly with Delta
• 1x miles: Earn one mile on every eligible dollar spent on other purchases
• Annual miles boost: Earn 15,000 MQMs and 15,000 bonus miles after spending $30,000 each year, and an additional 15,000 MQMs and 15,000 bonus miles after spending $60,000 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

The bonus category point rewards offered on this business credit card with lounge access match up with the average of most rewards cards. When compared to the five points offered on the American Express Business Platinum Card®, they fall short.

American Express Delta Reserve® for Business Credit Card Additional Features

The American Express Delta Reserve® for Business Credit Card includes:

• 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
• Companion certificate: Receive a domestic first class, Delta Comfort+®, or domestic main cabin round-trip companion certificate each year upon renewal of your card
• Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage

Similar to the American Express Business Platinum Card®, you’ll also receive travel accident insurance, premium roadside assistance, car rental insurance, extended warranty protection, and purchase protection. You can learn about the details of these features in our American Express Delta Reserve® for Business Credit Card review.

What the American Express Delta Reserve® for Business Credit Card Is Missing

The American Express Delta Reserve® for Business Credit Card has a high ongoing APR of 17.99% to 26.99%. This means this card is not the best if you need to carry a balance or finance a large business-related purchase. There are also other credit cards that offer higher ongoing rewards for travel-related purchases, such as the American Express Business Platinum Card®.

American Express Delta Reserve® for Business Credit Card Reviews

We considered both user reviews and our own editorial review when evaluating this card. The unlimited complimentary Delta Sky Club access can be extremely valuable to loyal Delta Airline customers. However, some users agree that the ongoing APR and annual fees are too high.

American Express Delta Reserve® for Business Credit Card User Reviews

We searched the internet for user reviews and in doing so we found that most reviews are positive. Cardholders enjoy the Delta Sky Club access and the unrivaled additional card features. However, some users complain the $450 annual fee is too expensive for those who don’t travel often.

American Express Delta Reserve® for Business Credit Card Editorial Reviews

The American Express Delta Reserve® for Business Credit Card is a solid American Express business credit card for Delta flyers. Its complimentary Delta Sky Club access outranks both the American Express Platinum Delta SkyMiles® Business Credit Card and American Express Gold Delta SkyMiles® Business Credit Card. However, expect to pay a high interest rate if you plan to carry a balance from one billing period to another.

How to Apply for the American Express Delta Reserve® for Business Credit Card

You can apply for the American Express Delta Reserve® for Business Credit Card online in a matter of minutes. You’ll be required to provide your basic business and personal information, and you can be approved instantly. Once approved, you will receive your card in the mail within seven to 10 days.

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United MileagePlus® Club Business Card: Best for Business Owners Who Fly United & Use United Club Lounges

The United MileagePlus® Club Business Card is best for business owners who fly United and use United Club lounges. You can receive unlimited complimentary access to all United Club lounges and participating Star Alliance-affiliated lounges. Plus, you can receive your first and second checked bag free. This card carries an annual fee of $450 and its ongoing APR starts at 18.24%.

United MileagePlus® Club Business Card Lounge Access

You will receive unlimited complimentary access to all United Club locations and participating Star Alliance-affiliated lounges. These airport lounges offer beverages, snacks, and free Wi-Fi while you wait for your flight. United Club memberships usually cost between $450 and $550 per year. Delta Sky Club has 50 airport lounges located through several airport in the United States and internationally.

There are only a few airport lounge access credit cards that offer unlimited access to airport lounges. For example, the American Express Delta Reserve® for Business Credit Card offers unlimited free access to Delta Sky Clubs. The best card for you is likely determined by which airline you fly with most frequently.

United MileagePlus® Club Business Card Costs

Financing costs and fees on the United MileagePlus® Club Business Card include:

• Introductory APR: None
• Ongoing APR: 18.24% to 25.24%, which adjusts with the prime rate
• Annual fee: $450
• Balance transfer fee: $5 or 5%, whichever is greater
• Foreign transaction fee: None

The annual fee of $450 is identical when compared to the American Express Delta Reserve® for Business Credit Card. Plus, both of these business credit cards with lounge access have no introductory APR. However, they both offer complimentary access to airport lounges, but for two different airline companies (United and Delta).

United MileagePlus® Club Business Card Rewards

The United MileagePlus® Club Business Card only offers a $100 welcome offer, which is the smallest introductory offer among the cards on our list. You can also earn bonus category rewards for United Airlines flight purchases. These ongoing rewards are similar to what’s offered on the American Express Delta Reserve® for Business Credit Card.

Introductory Rewards

You’ll earn a $100 statement credit after your first purchase using your United MileagePlus® Club Business Card. Most business credit cards require that you meet a minimum spending requirement. Typically, those cards offer more substantial introductory rewards. For example, the American Express Delta Reserve® for Business Credit Card offers 80,000 bonus miles and 5,000 MQMs after spending $6,000 within the first three months.

Ongoing Rewards

You will earn the following ongoing rewards when using this business credit card:

• 2 miles for every dollar spent on tickets purchased from United Airlines
• 1.5 miles on all other purchases

The United MileagePlus® Club Business Card offers similar ongoing rewards when compared to the American Express Delta Reserve® for Business Credit Card. However, the United MileagePlus® Club Business Card offers a half a point more for other purchases not related to the specific airline.

United MileagePlus® Club Business Card Additional Features

The United MileagePlus® Club Business Card includes:

• Free checked baggage: Receive your first and second checked bag for free
• Exclusive check-in lines: Use designated airline check-in lines separate from what other United passengers must use
• Premier access security lane: Access a shorter line than standard security screening lines
• Priority boarding: You and companions on the same reservation will be able to board United-operated flights prior to general boarding
• Booking fees waived: United airlines won’t charge you the $75 fee when you book award tickets within 21 days of departure
• Rental car status: Join the Hertz Gold Plus Rewards President’s Circle and earn a 25% bonus on Hertz Gold Plus Rewards points and a free, one car class upgrade every time you rent from Hertz

This card also offers similar travel insurance when compared to other cards on our list. For example, you’ll receive trip cancellation insurance, trip delay reimbursements, baggage delay insurance, lost luggage reimbursement, and car rental insurance. You can learn about the specifics of these features in our United MileagePlus® Club Business Card review.

What the United MileagePlus® Club Business Card Is Missing

The United MileagePlus® Club Business Card offers lower rewards on airfare compared to other airport lounge access credit cards, such as the American Express Business Platinum Card®. That card offers 5x points on flights and prepaid hotels through American Express, which includes United Airlines. Additionally, the United MileagePlus® Club Business Card only offers a small introductory reward of $100. Conversely, the American Express Business Platinum Card® offers up to 75,000 bonus points.

United MileagePlus® Club Business Card Reviews

We considered both user reviews and our own editorial review when evaluating this card. Most business owners who have used United Club lounges enjoy the free access they receive through the card. However, some users complain about the lack of substantial introductory rewards.

United MileagePlus® Club Business Card User Reviews

After searching the internet for United MileagePlus® Club Business Card user reviews, we found them to be mixed. Cardholders who travel often enough say the free lounge visits pay for the card membership over time. However, some negative reviews suggest the Chase Sapphire Reserve®, which is a personal credit card, offers better rewards for the same annual fee.

United MileagePlus® Club Business Card Editorial Reviews

The United MileagePlus® Club Business Card is not the strongest airport lounge access credit card, but is a good option if you visit United Clubs frequently. Its introductory and ongoing rewards, however, are not competitive when compared to most other business credit cards for travel.

How to Apply for the United MileagePlus® Club Business Card

You can apply for the United MileagePlus® Club Business Card online either through Chase or United Airlines. You’ll be required to provide your basic business and personal information. Once you’re approved, you’ll receive your card within seven to 10 days.

Note: The information related to the United MileagePlus® Club Business Card has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

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Citi® / AAdvantage® Executive World Elite™ Mastercard®: Best for Individuals Who Are Loyal American Airlines Flyers

The Citi® / AAdvantage® Executive World Elite™ Mastercard® is a personal credit card that is best for individuals who are loyal American Airlines flyers. You will receive an Admirals Club membership, which has a value of $650 annually. Plus, you can receive priority boarding, a Global Entry or TSA Pre✓® application fee credit, and your first checked bag for free. This card costs $450, and its ongoing APR starts at 17.99%.

Citi® / AAdvantage® Executive World Elite™ Mastercard® Lounge Access

You will receive a free Admiral Club membership, which gives you access to 50 American Airlines airport lounges worldwide. This membership is worth $650, and without it the entrance fee is $59 per visit. With that being said, approximately eight visits to the airport lounge will offset the $450 annual fee. In comparison, the Chase Sapphire Reserve® has the same annual fee, but its lounge access only has a value of $429.

Citi® / AAdvantage® Executive World Elite™ Mastercard® Costs

Financing costs and fees on this credit card with airport lounge access are:

• Introductory APR: None
• Ongoing APR: 17.99% to 25.99%, which adjusts with the prime rate
• Annual fee: $450
• Balance transfer fee: $5 or 3%, whichever is greater
• Foreign transaction fee: None

The Citi® / AAdvantage® Executive World Elite™ Mastercard® has an annual fee that is similar to most credit cards on our list, besides the Hilton Honors American Express Business Card ($95). Typically, cards that carry a higher annual fee will offer a more substantial rewards structure and better airport lounge access. For example, the Hilton Honors American Express Business Card only offers 10 Priority Pass visits per year compared to unlimited access.

Citi® / AAdvantage® Executive World Elite™ Mastercard® Rewards

The Citi® / AAdvantage® Executive World Elite™ Mastercard® offers 50,000 bonus miles when you spend $5,000 within the first three months. Plus, you can earn two miles for every dollar spent on American Airlines purchases and one mile on all other purchases.

Introductory Rewards

You will earn the following introductory rewards when using your card:

• 50,000 bonus miles after spending $5,000 within the first three months

You can fly anywhere in the U.S. for 12,500 American Airlines bonus miles. If you’re flight is less than 500 miles in length, you will only pay as much as 7,500 in points. In comparison, the Chase Sapphire Reserve® offers 50,000 bonus points after you spend $4,000 in purchases within the first three months. That card’s welcome offer has a lower minimum spending requirement and is worth $750.

Ongoing Rewards

You will earn the following ongoing rewards when using this credit card:

• 2 miles for every $1 spent on eligible American Airlines purchases
• 1 mile for every $1 spent on other purchases
• 10,000 Elite Qualifying Miles after you spend $40,000 in purchases within the year

The Citi® / AAdvantage® Executive World Elite™ Mastercard® offers ongoing rewards that are average at best. There are other cards on our list that offer higher rewards for travel-related purchases. For example, the Chase Sapphire Reserve® offers 3x points and the American Express Business Platinum Card® offers 5x points for travel-related purchases.

Citi® / AAdvantage® Executive World Elite™ Mastercard® Additional Features

The Citi® / AAdvantage® Executive World Elite™ Mastercard® includes:

• Security screening credit: Receive a $100 credit for TSA Pre✓® every five years
• Free checked baggage: First checked bag free on domestic American Airlines itineraries for you and up to eight travel companions
• Priority boarding: Receive priority boarding on American Airlines flights
• Priority check-in: Receive priority check-in for you and up to eight travel companions on the same reservation
• Priority airport screening: Receive priority airport screening for you and up to eight travel companions on the same reservation
• In-flight savings: Save 25% on inflight food and beverage purchases on American Airlines flights when you use your card

In addition to these features, you will also receive mileage benefits and no foreign transaction fees. Additionally, you can add up to 10 authorized users at no additional charge. Overall, this a good card if you want to enhance your airport experience. However, it doesn’t offer as many insurance coverages as other cards on our list, including the American Express Delta Reserve® for Business Credit Card.

What the Citi® / AAdvantage® Executive World Elite™ Mastercard® Is Missing

The Citi® / AAdvantage® Executive World Elite™ Mastercard® is a personal credit card, which means it won’t help you build business credit. However, this is a good option if you can’t qualify for a business credit card. If you want a business credit card that offers lounge access, consider the American Express Business Platinum Card®.

Citi® / AAdvantage® Executive World Elite™ Mastercard® Reviews

We considered both user reviews and our own editorial review when evaluating this card. This card offers valuable airport lounge access to American Airlines flyers and those who already visit the Admiral Club. However, it has a high ongoing APR and doesn’t offer the best rewards.

Citi® / AAdvantage® Executive World Elite™ Mastercard® User Reviews

We searched the web for Citi® / AAdvantage® Executive World Elite™ Mastercard® user reviews and in doing so, we found them to be mixed. Most cardholders enjoy the valuable introductory reward offer, alongside the airport lounge membership. However, there are complaints about the high ongoing APR.

Citi® / AAdvantage® Executive World Elite™ Mastercard® Editorial Reviews

We rate credit cards based on their costs, rewards, and benefits. The Citi® / AAdvantage® Executive World Elite™ Mastercard® is a personal credit card that is specifically designed for people who fly with American Airlines. If you do not fly with American Airlines, this card won’t be valuable to you. Plus, it’s a personal credit card, which means it won’t help build your business credit.

How to Apply for the Citi® / AAdvantage® Executive World Elite™ Mastercard®

You can apply for the Citi® / AAdvantage® Executive World Elite™ Mastercard® online in a matter of minutes. You’ll be required to fill out a short application, which includes your basic personal information. Once approved, you’ll receive your card within seven to 10 business days.

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Bottom Line

Overall, airport lounge access credit cards are best for business owners who travel often and want to receive airport perks as they wait for their flights. The best business credit card with lounge access offer unlimited complimentary access to airport lounges. You can also compare these cards with other credit cards through our credit card marketplace.

We recommend the American Express Business Platinum Card® as the best business credit card with lounge access. You will receive unlimited complimentary access to the American Express Global Lounge Collection^SM, which includes six airport lounge collections. You can apply online in a matter of minutes.

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