6 Best Business Credit Cards With Airport Lounge Access in 2022
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Andrée Kirk is a Staff Writer at Fit Small Business, specializing in Small Business Banking and Credit Cards.
This article is part of a larger series on Best Small Business Credit Cards.
Editor’s note: This is a recurring post with regularly updated card details.
Business credit cards often include complimentary airport lounge access as part of the card’s benefits, or you may need to sign up for a separate lounge access program. Also, some lounges offer coffee, snacks, wi-fi, and a quiet place to sit, while others offer cocktails, dining experiences, spa treatments, and private spaces to freshen up. Access policies vary from country to country, along with guest fees, number of guests, and age restrictions. We’ve selected cards with the best lounge access as well as excellent travel rewards.
Here are the best business cards with airport lounge access:
- American Express Business Platinum Card®: Best overall business credit card with airport lounge access
- Citi/AAdvantage® Executive World Elite Mastercard®: Best for frequent American Airlines travelers
- Chase Sapphire Reserve®: Best personal credit card with Priority PassTM Select Lounge Access
- United ClubSM Business Card: Best for complimentary access to United Club locations
- Hilton Honors American Express Business Card: Best for stays at Hilton properties with limited lounge access
- Delta SkyMiles® Reserve Business American Express Card: Best for frequent Delta Airlines travelers
The COVID-19 pandemic may affect some of the services and benefits of these travel credit cards. Be sure to check the issuer’s website and the Centers for Disease Control and Prevention (CDC) for the latest information on travel safety and requirements.
Want to compare the features of one card to another? We’ve made it easy for you to do just that! Simply check off up to three cards on this page to add them to your cart. This will allow you to view the details in a side-by-side comparison.
American Express Business Platinum Card®: Best Overall Business Credit Card With Airport Lounge Access
The Business Platinum Card® from American Express
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
Intro APR
See Pay Over Time APR
Regular APR
14.99% - 22.99% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- 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.
- Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.99% to 22.99% based on your credit worthiness and other factors as determined at the time of account opening.
- Get 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 on eligible purchases 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 value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
- $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $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 $85 statement credit for TSA Pre✓® 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.
Intro APR
See Pay Over Time APR
Regular APR
14.99% - 22.99% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- 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.
- Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.99% to 22.99% based on your credit worthiness and other factors as determined at the time of account opening.
- Get 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 on eligible purchases 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 value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
- $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $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 $85 statement credit for TSA Pre✓® 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.
Why we like it: No one offers more complimentary lounge access than American Express. With the American Express Business Platinum Card®, you can visit 1,300 lounges in 140 countries, including:
- The Centurion Network of Lounges and Studios: Bring up to two complimentary guests to enjoy spa services and award-winning chefs at 40 locations worldwide, including 13 United States airports: Seattle-Tacoma, San Francisco, Phoenix, Philadelphia, New York LaGuardia, New York John F. Kennedy, Miami, Los Angeles, Las Vegas, Houston, Denver, Dallas/Fort Worth, and Charlotte.
- Priority PassTM Select: Enroll online through American Express® and gain access to more than 1,000 airport lounges around the world. Amenities include free Wi-Fi and complimentary refreshments. Bring one guest at no additional cost for any visit, any time to a Priority PassTM Select lounge that allows guests. This is the only lounge that requires a separate enrollment. You’ll receive a digital membership card, which is required for entry.
- Airspace: Currently, there’s one Airspace lounge located at the San Diego International Airport, free of charge for up to two guests or immediate family. Enjoy a full bar, showers, and spaces to work.
- Escape Lounges – The Centurion® Studio Partner: Cardholders accompanied by up to two guests get complimentary access at a dozen US locations: Bradley, Cincinnati/Northern Kentucky, Greenville/Spartanburg, Minneapolis St. Paul, Oakland, Palm Beach, Phoenix-Sky Harbor T3 and T4, Rhode Island, Reno/Tahoe, and Sacramento Terminal A and Terminal B. Savor seasonal menus with locally sourced ingredients as well as comfortable spaces to work and charge your devices.
- Plaza Premium: Relax with unlimited complimentary access for you and up to two guests at more than 60 airports around the world. Most locations are outside the US. Make a reservation at least an hour in advance or enter as a walk-in guest. Amenities vary depending on location.
- Delta Sky Club: Travelers with a same-day Delta boarding pass enjoy unlimited complimentary access to more than 50 airport lounges. For an additional fee per person, you can bring up to two guests or immediate family. Amenities vary depending on location.
- Select Lufthansa Lounges: Travelers with a same-day Lufthansa, SWISS, or Austrian Airlines boarding pass have unlimited complimentary access. Your choices are Lufthansa (LH) Business Lounges (regardless of LH Group ticket class) and Lufthansa Senator Lounges (when flying LH Group business class). Certain locations allow guests for a fee. Amenities vary depending on location.
For all of these locations, you’ll need to show a government-issued ID, your American Express Business Platinum® card, and a same-day confirmed boarding pass. Log on to the Membership section of the American Express® app on your mobile device to easily locate lounges when you’re traveling.
Travel perks, benefits, and discounts are always substantial with the American Express Business Platinum Card®, one of our picks for best small business credit cards. In addition to lounge access, you can earn 5x Membership Rewards® points on flights and prepaid hotels booked through Amex Travel. Also, if you redeem points for part or all of a flight booked through Amex Travel, you get 35% of those points back, up to 500,000 points per calendar year. While there’s a $695 annual fee, benefit from the card right away with a 0% APR in the first 12 months and by earning 120,000 points after spending $15,000 in the first three months of card ownership.
Citi / AAdvantage® Executive World Elite Mastercard®: Best for Frequent American Airlines Travelers
Citi® / AAdvantage® Executive World Elite™ Mastercard®
BEST FOR:
American Airlines frequent flyers who want premium airport lounge access
Intro APR
N/A
Regular APR
15.99% to 24.99% Variable
Annual Fee
$450
Credit Needed
Good - Excellent
- Earn 50,000 American Airlines AAdvantage® bonus miles after $5,000 in purchases within the first three months of account opening.
- Earn 10,000 Elite Qualifying Miles after you spend $40,000 in purchases within the year
- Admirals ClubMembership, a value of up to $650, includes access for authorized users
- Earn 2 miles for every $1 spent on eligible American Airlines purchases
Pros
- Sign-up bonus
- Travel perks
- Admirals Club® membership
Cons
- No introductory APR
- High annual fee
- Low ongoing rewards
- Admirals Club® membership: Get full membership access to Admirals Club® lounges.
- Global Entry or TSA Pre✓® credit: Receive one statement credit for Global Entry or the TSA Pre ✓® application fee every five years, up to $100.
- Free first checked bag: Receive one free checked bag when traveling on American Airlines or affiliate airlines.
- Priority airport screening: You and up to eight companions will get priority airport screening.
- Priority boarding: Get priority boarding on American Airlines flights
- Inflight discounts: Get 25% off of inflight food and beverage purchases.
- Concierge services: Receive complimentary concierge services.
Intro APR
N/A
Regular APR
15.99% to 24.99% Variable
Annual Fee
$450
Credit Needed
Good - Excellent
- Earn 50,000 American Airlines AAdvantage® bonus miles after $5,000 in purchases within the first three months of account opening.
- Earn 10,000 Elite Qualifying Miles after you spend $40,000 in purchases within the year
- Admirals ClubMembership, a value of up to $650, includes access for authorized users
- Earn 2 miles for every $1 spent on eligible American Airlines purchases
Pros
- Sign-up bonus
- Travel perks
- Admirals Club® membership
Cons
- No introductory APR
- High annual fee
- Low ongoing rewards
- Admirals Club® membership: Get full membership access to Admirals Club® lounges.
- Global Entry or TSA Pre✓® credit: Receive one statement credit for Global Entry or the TSA Pre ✓® application fee every five years, up to $100.
- Free first checked bag: Receive one free checked bag when traveling on American Airlines or affiliate airlines.
- Priority airport screening: You and up to eight companions will get priority airport screening.
- Priority boarding: Get priority boarding on American Airlines flights
- Inflight discounts: Get 25% off of inflight food and beverage purchases.
- Concierge services: Receive complimentary concierge services.
Why we like it: If you frequently fly with American Airlines, this personal credit card offers an Admirals Club® membership with access to more than 30 airport lounges―mostly in the US, with a few around the world). Bring your Citi / AAdvantage Executive World Elite Mastercard®, a government-issued ID, and a boarding pass for a same-day flight on American Airlines or any oneworld® partner airline. Immediate family members or up to two guests are welcome.
Priority boarding and your first checked bag are free for you and up to eight traveling companions on domestic flights. Earn 2x miles for every $1 spent on eligible American Airlines purchases and 1x mile for every $1 spent on all other eligible purchases. Plus, earn 50,000 bonus miles after spending $5,000 in the first three months of card ownership.
Chase Sapphire Reserve®: Best Personal Credit Card With Priority PassTM Select Lounge Access
Chase Sapphire Reserve®
BEST FOR:
Receiving exceptional travel rewards and benefits
Intro APR
N/A
Regular APR
18.49% to 25.49% Variable
Annual Fee
$550
Credit Needed
Good - Excellent
- 50,000 Bonus points after you spend $4,000 on purchases in the first three months from account opening.
- Receive up to $300 in statement credits automatically as reimbursement for travel purchases charged to your card each account anniversary year.
- 3x Points on travel and dining.
Pros
- Annual travel credit
- Rewards are worth 50% more when redeemed for travel
- Complimentary airport lounge access
Cons
- High annual fee that’s never waived
- Lower reward redemption value for merchandise
- Requires excellent personal credit
- Airport lounge access: Enjoy access to more than 1,000 priority pass lounges worldwide for free prior to airline travel.
- Annual travel credit: You’ll receive a $300 annual travel credit that can be applied liberally toward your travel purchases.
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
- Trip delay insurance: If your travel is delayed more than 12 hours or you require an overnight stay as a result of a delay, you’re covered for unreimbursed expenses, such as meals and lodging, up to $500.
- Global Entry or TSA Pre✓® fee credit: Receive a statement credit of up to $100 every four years as reimbursement for the application fee charged to your card.
- Trip cancellation and trip interruption insurance: Covers up to $10,000 per trip for prepaid, nonrefundable travel expenses if your trip is cut short or interrupted by sickness or bad weather.
Intro APR
N/A
Regular APR
18.49% to 25.49% Variable
Annual Fee
$550
Credit Needed
Good - Excellent
- 50,000 Bonus points after you spend $4,000 on purchases in the first three months from account opening.
- Receive up to $300 in statement credits automatically as reimbursement for travel purchases charged to your card each account anniversary year.
- 3x Points on travel and dining.
Pros
- Annual travel credit
- Rewards are worth 50% more when redeemed for travel
- Complimentary airport lounge access
Cons
- High annual fee that’s never waived
- Lower reward redemption value for merchandise
- Requires excellent personal credit
- Airport lounge access: Enjoy access to more than 1,000 priority pass lounges worldwide for free prior to airline travel.
- Annual travel credit: You’ll receive a $300 annual travel credit that can be applied liberally toward your travel purchases.
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
- Trip delay insurance: If your travel is delayed more than 12 hours or you require an overnight stay as a result of a delay, you’re covered for unreimbursed expenses, such as meals and lodging, up to $500.
- Global Entry or TSA Pre✓® fee credit: Receive a statement credit of up to $100 every four years as reimbursement for the application fee charged to your card.
- Trip cancellation and trip interruption insurance: Covers up to $10,000 per trip for prepaid, nonrefundable travel expenses if your trip is cut short or interrupted by sickness or bad weather.
Why we like it: The Chase Sapphire Reserve® card is a personal credit card that offers Priority PassTM Select—complimentary access to more than 1,000 lounges in 500 cities worldwide. Bring one guest at no additional cost with any visit, any time to a Priority PassTM Select lounge that allows guests. Enroll online through Chase―this is the only lounge that requires a separate enrollment―and you’ll receive a digital membership card required for entry.
This card offers huge rewards for travelers. Each account anniversary year, you can receive an annual statement credit of up to $300 for travel purchases. If you use your Chase Sapphire Reserve® card for at least $300 on travel purchases annually and purchase travel through Chase Ultimate Rewards®, you can:
- Earn 5x total points on flights
- Earn 10x total points on hotels and car rentals
- Earn 3x points on other travel worldwide
- Earn 10x total points on Chase Dining purchases
Get 50% more value when you book travel through Chase Ultimate Rewards®. When you earn 50,000 bonus points as a welcome bonus after spending $4,000 in the first three months, those 50,000 points are worth $750 in travel.
You can also earn 3x points on other dining at restaurants, including eligible delivery services and takeout. Plus, earn 1 point per dollar spent on all other purchases.
United ClubSM Business MileagePlus Card: Best for Complimentary Access to United Club Locations
United Club℠ Business Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
United Airlines enthusiasts who use airport lounge access regularly
Intro APR
N/A
Regular APR
16.49% - 23.49% Variable
Annual Fee
$450
Credit Needed
Good - Excellent
- Earn 100,000 bonus miles
- 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
- Free United Club membership
- Free first and second checked bags
Cons
- High annual fee
- Low ongoing rewards
- United Club Passes: Get free access to United Club locations for you and your travel companions
- Free checked bags: Receive two free checked bags for you and companion on the same reservation
- Premier Access: You’ll get expedited airport security screening line, priority boarding, and priority baggage handling for you and your companions on the same reservation
- Hertz Gold Plus Rewards elite status: Get access to join Hertz Gold Plus Rewards President’s Circle for exclusive perks and discounts.
- Trip insurance: Get reimbursed when your trip is canceled, up to $10,000 per person and $20,000 per trip. You’ll also be covered if your trip is delayed up to 12 hours for an eligible reason.
- Baggage delay insurance: Your luggage is covered if it’s delayed or misdirected for more than six hours, up to $100 per day.
- Lost luggage reimbursement: You’re covered for any lost or damaged luggage during your travel with United Airlines and partner airlines, up to $3,000 per person.
- Auto rental collision damage waiver: You’re covered for a damaged or stolen rental vehicle, when you waive the car rental dealer’s insurance and the entire rental purchase is placed on the card
- Purchase protection: You’ll receive repair, a replacement, or reimbursement for items that were damaged or stolen with 120 of purchase, up to $10,000 per item and $50,000 per year
- Extended warranty protection: You’ll be covered for an additional one year of warranty protection with manufacturer’s warranties three years and under, limited to $10,000 per item and $50,000 per year.
Intro APR
N/A
Regular APR
16.49% - 23.49% Variable
Annual Fee
$450
Credit Needed
Good - Excellent
- Earn 100,000 bonus miles
- 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
- Free United Club membership
- Free first and second checked bags
Cons
- High annual fee
- Low ongoing rewards
- United Club Passes: Get free access to United Club locations for you and your travel companions
- Free checked bags: Receive two free checked bags for you and companion on the same reservation
- Premier Access: You’ll get expedited airport security screening line, priority boarding, and priority baggage handling for you and your companions on the same reservation
- Hertz Gold Plus Rewards elite status: Get access to join Hertz Gold Plus Rewards President’s Circle for exclusive perks and discounts.
- Trip insurance: Get reimbursed when your trip is canceled, up to $10,000 per person and $20,000 per trip. You’ll also be covered if your trip is delayed up to 12 hours for an eligible reason.
- Baggage delay insurance: Your luggage is covered if it’s delayed or misdirected for more than six hours, up to $100 per day.
- Lost luggage reimbursement: You’re covered for any lost or damaged luggage during your travel with United Airlines and partner airlines, up to $3,000 per person.
- Auto rental collision damage waiver: You’re covered for a damaged or stolen rental vehicle, when you waive the car rental dealer’s insurance and the entire rental purchase is placed on the card
- Purchase protection: You’ll receive repair, a replacement, or reimbursement for items that were damaged or stolen with 120 of purchase, up to $10,000 per item and $50,000 per year
- Extended warranty protection: You’ll be covered for an additional one year of warranty protection with manufacturer’s warranties three years and under, limited to $10,000 per item and $50,000 per year.
Why we like it: If you’re a loyal United Airlines customer, the United ClubSM Business MileagePlus Card gives you access to more than 45 United Club locations and participating Star AllianceTM affiliated lounges worldwide. Complimentary amenities include Wi-Fi, beverages and snacks, and personalized travel assistance. Access policies vary by airline, so be sure to check your airline’s lounge policy or the Star Alliance website.
You get free first and second checked bags for you and one travel companion. Earn 2x miles with United purchases and 1.5x miles on all other purchases. Earn 75,000 bonus miles after spending $5,000 in the first three months of card ownership.
Hilton Honors American Express Business Card: Best for Stays at Hilton Properties With Limited Lounge Access
The Hilton Honors American Express Business Card
BEST FOR:
Maximizing rewards on Hilton-related purchases
Intro APR
N/A
Regular APR
16.49% - 25.49% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership. Offer expires 7/6/2022.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
- Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Terms apply.
Pros
- Low annual fee
- No foreign transaction fees
- Complimentary Hilton Gold Status
Cons
- Redemption options other than hotel stays are poor
- Balance transfers not allowed
- No 0% introductory APR
- Complimentary Gold Status: You will receive complimentary Hilton Honors Gold Status, which gets you additional benefits like complimentary breakfast and rollover nights.
- 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.
- 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 manufacturers’ warranties of five years or less.
Intro APR
N/A
Regular APR
16.49% - 25.49% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership. Offer expires 7/6/2022.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
- Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Terms apply.
Pros
- Low annual fee
- No foreign transaction fees
- Complimentary Hilton Gold Status
Cons
- Redemption options other than hotel stays are poor
- Balance transfers not allowed
- No 0% introductory APR
- Complimentary Gold Status: You will receive complimentary Hilton Honors Gold Status, which gets you additional benefits like complimentary breakfast and rollover nights.
- 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.
- 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 manufacturers’ warranties of five years or less.
Why we like it: When your business travel schedule measures out to about five trips per year and you prefer staying at Hilton properties, the Hilton Honors American Express Business Card may be the best choice for you. It offers 10 complimentary lounge visits through Priority PassTM Select.
This card also provides membership to complimentary Hilton Honors Gold Status, which includes complimentary room upgrades, food and beverage credit, and an 80% points earning bonus on stays. This means for every $1 spent on hotel stays, you earn 18 points. Use points toward free nights, VIP access to events, Lyft rides, rental cars, merchandise, and airline transfers with Hilton’s travel partners. It’s one of our best business credit cards for travel.
Delta SkyMiles® Reserve Business American Express Card: Best for Frequent Delta Airlines Travelers
Delta SkyMiles® Reserve Business American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Unlocking the ultimate Delta travel experience
Intro APR
N/A
Regular APR
16.49% - 25.49% Variable
Annual Fee
$550
Credit Needed
Good, Excellent
- Welcome Offer: Earn 60,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in your first 3 months.
- With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together.
- When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
- Plus enjoy 3X miles per dollar on all eligible Delta purchases.
- With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status.
- 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 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.
Intro APR
N/A
Regular APR
16.49% - 25.49% Variable
Annual Fee
$550
Credit Needed
Good, Excellent
- Welcome Offer: Earn 60,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in your first 3 months.
- With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together.
- When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
- Plus enjoy 3X miles per dollar on all eligible Delta purchases.
- With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status.
- 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 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.
Why we like it: The Delta SkyMiles® Reserve Business American Express Card offers access to more than 100 airport lounges. You get complimentary Delta Sky Club® access and two one-time guest passes at more than 50 airport lounges. After that, you only need to pay a per-visit rate of $39 per person for up to two guests. You also receive complimentary access to Centurion Lounges and Escape Lounges – The Centurion Studio Partner.
Earn 3x miles on every $1 spent on every eligible purchase made with Delta. After spending $150,000 in one calendar year, you can earn 1.5x miles per $1 on all eligible purchases for the rest of the calendar year. Also, earn 1x mile on all other eligible purchases.
How We Evaluated the Best Business Credit Cards With Lounge Access
In addition to complimentary airport lounge access, we considered travel rewards and other benefits and perks. We selected cards associated with some of the most popular US airlines as well as cards associated with independent airport lounge programs.
Bottom Line
Consider 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. The more often you make purchases with your card, the more you’ll earn rich travel rewards that make up quickly for the annual fee.
