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The best business credit cards with airport lounge access will provide free or discounted access to airport lounges. While many will carry an annual fee, these credit cards often carry premium travel perks, such as credits for TSA PreCheck, complimentary elite status at hotels, priority boarding, free checked bags, and more. If you travel frequently, you’ll be able to get your money’s worth from these benefits.
As a fairly frequent flyer myself who loves to take advantage of airport lounges, I’ve researched multiple credit cards and compiled the following list of the five best business cards with airport lounge access.
- The Business Platinum Card® from American Express: Best overall for flexible lounge access and travel benefits
- Chase Sapphire Reserve®: Best personal credit card with Priority PassTM Select membership
- U.S. Bank Business Altitude® Connect Visa Signature® Card: Best for low annual fee
- Delta SkyMiles® Reserve Business American Express Card: Best for frequent Delta flyers
- Capital One Venture X Business: Best for less frequent travelers
Overview of the best business credit cards with airport lounge access
Best For | Annual Fee | Ongoing Rewards | Lounge Access | ||
|---|---|---|---|---|---|
  The Business Platinum Card® from American Express | Overall best for flexible lounge access and travel benefits | $695 | Up to 5x points | American Express Global Lounge Collection - access to over 1,400 airport lounges | |
  Chase Sapphire Reserve® | Access to Priority PassTM Select lounges | $550 | Up to 10x points | Access to over 1,300 airport lounges worldwide by enrolling in Priority Pass™ Select | |
  U.S. Bank Business Altitude® Connect Visa Signature® Card | Low annual fee | $95; waived for the first year | Up to 5x points | Priority PassTM Digital annual membership with access to more than 1,700 VIP lounges worldwide | |
  Delta SkyMiles® Reserve Business American Express Card | Frequent Delta flyers | $650 | Up to 3x miles | Access to Delta Sky Clubs and The Centurion® Lounge® or Escape Lounge—The Centurion® Studio Partner | |
 Â Capital One Venture X Business | Less frequent travelers | $395 | Up to 10x miles | Complimentary access to Capital One Lounges and Partner Lounge Network |
The Business Platinum Card® From American Express: Best overall for flexible lounge access and travel benefits
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
- Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
- 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 10/2024.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- NEW! Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- Â $0 foreign transaction fee
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 1,400 lounges worldwide for you and two guests. Enrollment required.
- Airport screening: Either a $120 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.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
- Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
- 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 10/2024.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- NEW! Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- Â $0 foreign transaction fee
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 1,400 lounges worldwide for you and two guests. Enrollment required.
- Airport screening: Either a $120 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.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
Why I like it
While there are lots of credit cards that offer airport lounge access, many will only provide access to a single type, which may not always be available in the airport you’re flying out of. The Business Platinum Card® from American Express, however, provides access to a wide range of lounges, increasing your chances that you’ll find one available during your travels. You’ll have access to over 1,400 airport lounges through the Global Lounge Collection, 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
The Centurion® Lounge and Escape Lounges are two of my favorites. On a recent trip from Dallas to Arizona, I was able to make use of each. It was a great way to get some quiet time away from the hustle and bustle of the airport terminal, and I was blown away by the quality of the food, drinks, and bar service.
In addition to complimentary elite hotel status with Marriott and Hilton, other notable travel perks available on The Business Platinum Card® from American Express include statement credits for TSA PreCheck® and CLEAR® Plus. Each of these can help you get through airport security lines more quickly. I once flew out of Seattle-Tacoma International Airport and was able to get through security in under five minutes. My travel companion at the time, who had neither, had to wait nearly 45 minutes before he was cleared through security.
While the card does carry an annual fee of $695, the value of its perks easily total to more than $1,400+. For those reasons, this card also made our list of the best business credit cards for travel.
- 5x points per dollar on flights and prepaid hotels booked on AmexTravel.com
- 1.5x points per dollar in key business categories and on eligible purchases of $5K or more
- 1x point per dollar on all other purchases
- 150,000 Membership Rewards® Points after spending $20,000 in qualifying purchases within the first three months from the date of card membership
- Over $1,000 in annual statement credits on select purchases, including:
- Up to $200 statement credits between July and December, and up to $200 in statement credits between January and June, on US purchases with Dell Technologies, through June 30, 2025
- Up to $360 statement credits on purchases with Indeed (up to $90 back per quarter)
- Up to $150 statement credits for eligible annual prepaid business plan purchases of Adobe Creative Cloud form teams or Adobe Acrobat Pro for teams through June 30, 2025
- Up to $120 statement credits for wireless telephone service purchases made directly with a wireless provider in the U.S.
- Up to $200 statement credits per calendar year for incidental fees when traveling on a selected qualifying airline
- Up to $199 statement credit for CLEAR® Plus membership per calendar year
- $0 foreign transaction fee
- Up to $120 credits for Global Entry or TSA PreCheck® every 4 to 4.5 years
Chase Sapphire Reserve®: Best personal credit card with Priority PassTM Select membership
card_name
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 $550 in 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 $550 in 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.
Why I like it
While the Chase Sapphire Reserve® is a personal credit card, it can be used for business expenses. After enrolling in Priority Pass™ Select, you’ll be able to get complimentary access to over 1,300+ airport lounges worldwide, as well as all Chase Sapphire Lounge by The Club locations. Coupled with the value of its other travel benefits, it was an easy decision for this card to be near the top of my list for the best credit cards with airport lounge access.
The card carries an annual fee of $550, but if you travel frequently, you can more than make up for that cost by what you’ll get in savings and perks. For example, the card offers an annual $300 travel credit that’s incredibly easy to use, as it’s automatically applied to your account on purchases made using your card in the travel category. Users in online forums report purchases that have triggered the credit have included things like hotels, toll charges, metered parking, and train tickets. I myself even had it credited on hotel room service when I traveled to New York.
Other notable benefits include hundreds of dollars in exclusive partner benefits, including DoorDash, The EditSM, and TSA PreCheck.
- Up to 10x total points per dollar on hotels and car rentals when you purchase travel through Chase Travel after the first $300 is spent on travel purchases annually
- 10x total points per dollar on Chase Dining purchases with Ultimate Rewards®
- 5x total points per dollar on flights when you purchase travel through Chase Travel after the first $300 is spent on travel purchases annually
- 3x points per dollar on dining at restaurants, including takeout and eligible delivery services
- 3x points per dollar on other purchases in the travel category after the first $300 annual travel credit is earned
- 60,000 bonus points after spending $5,000 in purchases within the first three months from the date of account opening
- $300 annual travel credit as reimbursements for more of your travel purchases
- Up to $120 credit for Global Entry or TSA PreCheck® or NEXUS fee every four years
- 50% more value when you redeem for travel through Chase Travel
U.S. Bank Business Altitude® Connect Visa Signature®Card: Best for low annual fee
U.S. Bank Business Altitude® Connect Visa Signature® Card
- Limited Time Offer: Earn 60,000 bonus points 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 when using your card.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $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 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- 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
- Limited Time Offer: Earn 60,000 bonus points 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 when using your card.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $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 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- 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
Why I like it
Paying several hundred dollars for the annual fee on a credit card can be a tough pill to swallow, especially if you’re uncertain as to whether you’ll travel often enough to make use of its perks and benefits. That’s where the U.S. Bank Business Altitude® Connect Visa Signature® Card comes into play. It has a $0 annual fee for the first year, then $95 thereafter.
With the U.S. Bank Business Altitude® Connect Visa Signature® Card, you’ll get a Priority PassTM Digital annual membership, with four complimentary visits to more than 1,700 VIP lounges worldwide per membership year. Other notable benefits include a $25 statement credit after three consecutive monthly taxi or rideshare transactions paid for with your card.
This card also carries great ongoing rewards rates for purchases. Coupled with its low-cost access to travel benefits, it was a no-brainer for our team to also select it for our list of the best small business credit cards.
- 5x points per dollar on hotel stays and car rentals booked directly in the Rewards Center
- 4x points per dollar on travel, including airfare, hotels, gas, and EV charging stations on the first $150,000 in combined annual spend
- 2x points per dollar on dining, takeout, restaurant delivery, and cell phone services
- 1x point per dollar for all other purchases
- 60,000 bonus points after spending $6,000 in purchases within the first 180 days from the date of account opening
- ExtendPay® Plan lets you pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases. ($0 fee on ExtendPay Plans opened in the first 60 days after account opening). Not all accounts are eligible for ExtendPay Plans.
- $0 foreign transaction fee
Delta SkyMiles® Reserve Business American Express Card: Best for frequent Delta flyers
Delta SkyMiles® Reserve Business American Express Card
BEST FOR:
Delta SkyMiles® Reserve Business American Express Card
- Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/16/25.
- Delta SkyMiles® Reserve Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
- 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 a First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
- 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 $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 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.
- Receive Zone 5 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 SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
- Terms and limitations apply.
Pros
- Premium travel perks
- $0 foreign transaction fee
- Lucrative welcome bonus
Cons
- High annual fee
- No opportunity for introductory financing
- Balance transfers aren’t available
- Annual boost: Get $1 Medallion® Qualification Dollar for each $10 in purchases on your Delta SkyMiles® Reserve Business Card in a calendar year, making earning Medallion Status for next Medallion Year that much quicker.
- 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 early with Zone 5 Priority Boarding.
- 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.
- Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/16/25.
- Delta SkyMiles® Reserve Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
- 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 a First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
- 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 $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 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.
- Receive Zone 5 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 SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
- Terms and limitations apply.
Pros
- Premium travel perks
- $0 foreign transaction fee
- Lucrative welcome bonus
Cons
- High annual fee
- No opportunity for introductory financing
- Balance transfers aren’t available
- Annual boost: Get $1 Medallion® Qualification Dollar for each $10 in purchases on your Delta SkyMiles® Reserve Business Card in a calendar year, making earning Medallion Status for next Medallion Year that much quicker.
- 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 early with Zone 5 Priority Boarding.
- 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.
Why I like it
If you regularly fly Delta Air Lines, you’ll want to consider the Delta SkyMiles® Reserve Business American Express Card. In addition to offering complimentary lounge access to Delta Sky Club®, The Centurion® Lounge, and Escape Lounges, you’ll get a slew of benefits to offset the card’s annual fee of $650.
These benefits, easily valued at over $800, include the following:
- $240 Resy credit, issued as a statement credit after making an eligible Resy purchase on your enrolled card
- $120 in rideshare credits (earn up to $10 back each month on U.S. rideshare purchases with select providers after you pay with your Card.)
- $250 Delta Stays statement credit for eligible prepaid Delta Stays bookings on delta.com
- Fee credit for Global Entry or TSA PreCheck
Other notable perks include Zone 5 priority boarding, first checked bag free of charge, Hertz President’s Circle® status, and the ability to receive a Companion Certificate on a First Class, Delta Comfort+®, or Main Cabin round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card.
- 3x miles on every dollar spent on eligible purchases made directly with Delta
- 1.5x miles per dollar on eligible transit, United States. shipping, and office supply store purchases
- 1x miles on every eligible dollar spent on other purchases
- 110,000 Bonus Miles after spending $12,000 in purchases in your first 6 months of card membership
- $1 Medallion® Qualification Dollar for each $10 in purchases in a calendar year
- Annual Companion Certificate upon card renewal
- $0 foreign transaction fee
- 15% off on award travel
Capital One Venture X Business: Best for less frequent travelers
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BEST FOR:
Those who frequently travel
- Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
- This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R). Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass
- This is a pay-in-full card, so your balance is due in full every month
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Pros
- Generous welcome offer
- $0 foreign transaction fees
- Receive up to $120 in statement credits toward Global Entry or TSA PreCheck®
- Unlimited complimentary access for you and two guests to over 1,300 airport lounges worldwide, including exclusive Capital One Lounges and the Partner Lounge Network
Cons
- Very high annual fee
- No introductory 0% APR period
- If you don’t pay off the balance in full, you will be charged a late fee of 2.99% on your outstanding statement balance
- Virtual Cards: Generate virtual card numbers to make secure payments online, keeping your physical card details private and simplifying expense tracking.
- Security Alerts: Receive real-time alerts via text, email, or phone if Capital One detects any suspicious activity on your account.
- Card Lock & $0 Liability for Unauthorized Charges: Instantly lock your card or an employee’s card if it’s misplaced, lost, or stolen. Plus, enjoy $0 liability protection for any unauthorized charges.
- Cell Phone Protection: Get reimbursed up to $600. Certain terms, conditions and exclusions apply.
- Customer Support with Eno: Capital One’s virtual assistant, Eno, monitors your accounts 24/7, sending alerts for any unusual activity and answering questions instantly to support your financial needs.
- Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
- This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R). Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass
- This is a pay-in-full card, so your balance is due in full every month
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Pros
- Generous welcome offer
- $0 foreign transaction fees
- Receive up to $120 in statement credits toward Global Entry or TSA PreCheck®
- Unlimited complimentary access for you and two guests to over 1,300 airport lounges worldwide, including exclusive Capital One Lounges and the Partner Lounge Network
Cons
- Very high annual fee
- No introductory 0% APR period
- If you don’t pay off the balance in full, you will be charged a late fee of 2.99% on your outstanding statement balance
- Virtual Cards: Generate virtual card numbers to make secure payments online, keeping your physical card details private and simplifying expense tracking.
- Security Alerts: Receive real-time alerts via text, email, or phone if Capital One detects any suspicious activity on your account.
- Card Lock & $0 Liability for Unauthorized Charges: Instantly lock your card or an employee’s card if it’s misplaced, lost, or stolen. Plus, enjoy $0 liability protection for any unauthorized charges.
- Cell Phone Protection: Get reimbursed up to $600. Certain terms, conditions and exclusions apply.
- Customer Support with Eno: Capital One’s virtual assistant, Eno, monitors your accounts 24/7, sending alerts for any unusual activity and answering questions instantly to support your financial needs.
Why I like it
I chose the Capital One Venture X Business card for those who do not travel frequently because it has a low effective annual fee. The card carries a $395 annual fee, but you can also receive an annual $300 credit for bookings through Capital One Travel. Additionally, instead of limiting your lounge access to Priority PassTM, the Capital One Venture X Business card also includes free access to Capital One Lounges.
Other perks that can help lower your effective cost of carrying this card include the ability to receive 10,000 bonus miles every year, starting on your first anniversary. While the value of miles can vary depending on the details of the trip you book, data from readers in online forums suggests that points can be worth approximately one cent per point. To get you through airport security more quickly, you’ll also receive up to a $120 statement credit on Global Entry or TSA PreCheck.
Unlike some of the other cards in this guide, the Capital One Venture X Business card is a pay-in-full card, meaning your balance must always be paid off in full every month.
- 10x miles per dollar on hotels and rental cars and 5x miles per dollar on flights booked through Capital One Travel
- 2x miles per dollar on all other purchases
- 150,000 bonus miles when you spend $30,000 in the first three months
- 10,000 bonus miles every year, starting on your first anniversary
- $300 annual travel credit for bookings through Capital One Travel
- Transfer miles to any of our 15-plus travel loyalty programs
How I selected the best business credit cards with lounge access
I considered the following in selecting the best business credit cards with lounge access:
- Number and types of airport lounges being give complimentary access to
- Value-added benefits (such as credits for TSA PreCheck and statement credits for travel purchases)
- Premium travel benefits (such as elite hotel status, companion certificates, free checked bags, and priority boarding)
- Annual fee of the card
- Ongoing rewards program and value of points or miles earned
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
The best business credit card with airport lounge access provides rewards and perks that align with your business’s needs. To find which one is right for you, determine whether you would benefit more from an airline-specific credit card or one that allows access to independent lounges with more locations worldwide. Be sure to consider how frequently you plan to visit airport lounges, as most of these cards require a high annual fee.
If your business requires you to travel frequently, you may want 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. Also, make use of the perks and benefits to get the most out of your annual fees.
