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The best business credit cards with lounge access offer benefits like complimentary or discounted access to lounges, travel rewards, $0 foreign transaction fees, priority boarding, and free checked baggage. These cards are ideal for business owners who travel frequently and prefer to spend their waiting time in cozy lounges with food, beverage, and Wi-Fi access. Our top recommendations include travel business cards, co-branded airline cards, and personal travel credit cards.
Here are the eight best business cards with airport lounge access:
- American Express Business Platinum Card®: Overall best business credit card with airport lounge access to The Global Lounge Collection and high credit limits
- Hilton Honors American Express Business Card: Best for stays at Hilton properties with limited lounge access and low annual fee
- card_name: Best for two complimentary visits to Capital One Lounges and Priority PassTM
- Delta SkyMiles® Reserve Business American Express Card: Best for complimentary access to Delta Sky Club®, The Centurion® Lounge, and Escape Lounge
- U.S. Bank Business AltitudeTM Connect World Elite Mastercard®: Best for low annual fee with VIP access to over 1,300 lounges worldwide
- card_name: Best personal credit card with Priority PassTM Select membership
- United ClubSM Business Card: Best for complimentary access to United Club locations
- Citi/AAdvantage® Executive World Elite Mastercard®: Best personal credit card for frequent American Airlines travelers
Overview of the Best Business Credit Cards With Airport Lounge Access 2024
Best For | Annual Fee | Ongoing Rewards | Lounge Access | ||
|---|---|---|---|---|---|
 American Express Business Platinum Card® | Overall best for access to The Global Lounge Collection and high credit limits | $695 | Up to 5x points | American Express Global Lounge Collection access to over 1,400 airport lounges | |
 Hilton Honors American Express Business Card | Stays at Hilton properties with limited lounge access and low annual fee | $195 | Up to 12x points | 10 complimentary visits to over 1,200 airport lounges each year after enrolling in Priority Pass™ Select Membership | |
card_name | Two complimentary visits to Capital One Lounges and Priority PassTM | annual_fees | Up to 10x miles | Unlimited complimentary access to Capital One Lounges and Partner Lounge Network | |
 Delta SkyMiles® Reserve Business American Express Card | Complimentary access to Delta Sky Club®, The Centurion® Lounge, and Escape Lounge | $650 | Up to 3x miles | Access to Delta Sky Clubs and The Centurion® Lounge® or Escape Lounge—The Centurion® Studio Partner | |
 U.S. Bank Business AltitudeTM Connect World Elite Mastercard® | Low annual fee with VIP access to Priority PassTM lounges worldwide | $95; waived for the first year | Up to 5x points | Priority PassTM Digital annual membership with access to more than 1,300 VIP lounges worldwide | |
card_name | Access to Priority PassTM Select lounges | annual_fees | Up to 10x points | Access to over 1,300 airport lounges worldwide by enrolling in Priority Pass™ Select | |
 United ClubSM Business Card | Complimentary access to United Club locations | $450 | Up to 2x miles | Access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide | |
 Citi/AAdvantage® Executive World Elite Mastercard® | Frequent American Airlines travelers | $595 | Up to 10x AAdvantage® miles | Full membership access privileges to Admirals Club® lounges |
If you want to see how a credit card stacks up against others, click Add to Compare on the cards. You can compare up to three credit cards on this page or a card here against others on our site.
American Express Business Platinum Card®: Overall Best Business Credit Card With Airport Lounge Access to The Global Lounge Collection & High Credit Limits
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
Intro APR
N/A
Regular APR
18.99% - 27.99% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, 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.
- 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. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $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®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $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.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- 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
N/A
Regular APR
18.99% - 27.99% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, 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.
- 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. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $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®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $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.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- 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.
It is our choice for the overall best business credit card with airport lounge access because it provides 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
Please take note of American Express’ access requirements and guest policies per lounge.
On top of that, it comes with several luxury travel perks, such as fee credits and upgrade status to Marriott Bonvoy® and Hilton HonorsTM.
- 5x points on flights and prepaid hotels booked on AmexTravel.com
- 1.5x points in key business categories and on eligible purchases of $5K or more
- 1x point 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 statement credit on select purchases, including
- Up to $400 statement credit on US purchases with Dell Technologies through 12/31/24
- Up to $360 statement credit on purchases with Indeed through 12/31/24
- Up to $150 statement credit on purchases with Adobe Creative Solutions through 12/31/24
- Up to $120 statement credit on purchases with US wireless service providers
- Up to $200 statement credit per year for baggage fees and other incidental fees while traveling
- Up to $189 statement credit for CLEAR® Plus membership
- Complimentary upgrades to Marriott Bonvoy® Gold Elite Status and Hilton Honors™ Gold Status
- $0 foreign transaction fee
- Up to $100 credits for Global Entry or TSA PreCheck® every 4 to 4.5 years
It’s worth noting that it charges a high annual fee of $695. However, that is justified by the perks and benefits that come with the card. It is also one of our top business cards with high credit limits.
Hilton Honors American Express Business Card: Best for Stays at Hilton Properties With Limited Lounge Access & Low Annual Fee
The Hilton Honors American Express Business Card
BEST FOR:
Maximizing rewards on Hilton-related purchases
Intro APR
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$195
Credit Needed
Excellent, Good
- Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Has a generous welcome offer
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
Intro APR
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$195
Credit Needed
Excellent, Good
- Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Has a generous welcome offer
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
It lets you earn premium rewards on direct purchases at any hotel and resort included in the Hilton portfolio, making it ideal if you prefer to stay primarily at Hilton property when traveling. It also gives you 10 complimentary visits to over 1,200 airport lounges annually through the Priority PassTM Select Membership, all for a low annual fee of $195.
- 12x points at Hilton hotels and resorts
- 5x points on the first $100,000 in purchases per calendar year, then 3x points thereafter
- 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases within the first six months of card membership
- Complimentary Hilton Honors™ Gold Status
- Upgrade to Hilton Honors™ Diamond Status when you spend $40,000 in a calendar year
- Complimentary National Car Rental® Emerald Club Executive® Status, so you can reserve a rental car by either calling National Car Rental directly, using your travel service, or booking online or through the National Car Rental mobile app
- $0 foreign transaction fee
This card is one of our best business cards for travel because of its generous perks and rewards. Note that it has limited redemption options.
card_name: Best for Two Complimentary Visits to Capital One Lounges and Priority PassTM
card_name
BEST FOR:
Those who frequently travel
Intro APR
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Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
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- 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
- With sign-up bonus
- Has premium rewards if you book your hotel stays and rental cars through Capital One Travel
- Flexible redemption options
Cons
- Requires you to pay your balances in full each month
- Charges $395 annual fee
- No preset spending limit: Able to adapt to your needs based on spending behavior, payment history, and credit profile
- Annual travel credit: Receive an annual $300 credit for bookings through Capital One Travel
- Priority Pass™: Get a complimentary membership and enjoy unlimited free visits for you and up to 2 guests
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- 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
- With sign-up bonus
- Has premium rewards if you book your hotel stays and rental cars through Capital One Travel
- Flexible redemption options
Cons
- Requires you to pay your balances in full each month
- Charges $395 annual fee
- No preset spending limit: Able to adapt to your needs based on spending behavior, payment history, and credit profile
- Annual travel credit: Receive an annual $300 credit for bookings through Capital One Travel
- Priority Pass™: Get a complimentary membership and enjoy unlimited free visits for you and up to 2 guests
This pay-in-full card offers free access to Capital One Lounges and complimentary membership to Priority PassTM, which provides unlimited visits for you and up to two guests to more than 1,300 airport lounges worldwide. On top of that, you’ll receive an annual $300 credit for bookings through Capital One Travel, helping you save on credit costs.
- 10x miles on hotels and rental cars and 5x miles on flights booked through Capital One Travel
- 2x miles on all other purchases
- 150,000 bonus miles (equal to $1,500 in travel) when you spend $30,000 in the first three months
- 10,000 bonus miles every year, starting on your first anniversary
- Flexible redemption options let you redeem miles on flights, hotels, vacation rentals, and more, with no restrictions or blackout dates
- No preset spending limit provides you with flexible purchasing power
- Up to a $120 statement credit on TSA PreCheck® or Global Entry
Since it’s a charge card, it’s best for those who can pay their entire balance every billing cycle. Despite this, it is also named as one of the leading business cards for LLCs.
Delta SkyMiles® Reserve Business American Express Card: Best for Complimentary Access to Delta Sky Club®, The Centurion® Lounge & Escape Lounge
Delta SkyMiles® Reserve Business American Express Card
BEST FOR:
Delta SkyMiles® Reserve Business American Express Card
Intro APR
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$650
Credit Needed
Excellent, Good
- 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 10/23/24.
- Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
- Earn 3 miles per dollar on eligible Delta purchases.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
- Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
- Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $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 – The Centurion® Studio Partner.
- 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 miles boost: Earn 15,000 Medallion Qualifying Miles (MQMs) and 15,000 bonus miles after spending $30,000 each year.
- Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
- Free checked baggage: Receive free checked baggage for you and eight guests.
- Priority boarding: You can board your flight when Main Cabin 1 priority boarding is called.
- In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
- Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.
Intro APR
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$650
Credit Needed
Excellent, Good
- 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 10/23/24.
- Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
- Earn 3 miles per dollar on eligible Delta purchases.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
- Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
- Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $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 – The Centurion® Studio Partner.
- 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 miles boost: Earn 15,000 Medallion Qualifying Miles (MQMs) and 15,000 bonus miles after spending $30,000 each year.
- Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
- Free checked baggage: Receive free checked baggage for you and eight guests.
- Priority boarding: You can board your flight when Main Cabin 1 priority boarding is called.
- In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
- Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.
Designed for those who fly with Delta Air Lines frequently, this card provides complimentary access to The Centurion® Lounge, Escape Lounge, and Delta Sky Club®. It also lets you earn premium rewards on Delta purchases and offers other benefits including statement credits of up to $240 for Resy purchases, up to $250 for Delta stays, and up to $120 on Rideshare. You’ll also receive priority boarding, a free checked bag, and up to $100 credit on Global Entry or TSA PreCheck®.
- 3x miles per dollar on purchases made directly with Delta
- 1.5x miles per dollar on eligible transit, US shipping, and office supply store purchases
- 1x mile per dollar on all other purchases
- 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 10/23/24.
- $0 foreign transaction fee
- Annual Companion Certificate upon card renewal
- Complimentary Hertz President’s Circle® Status
- 15% off on award travel
Note that the card comes with a high annual fee of $650. However, with its lucrative offers, it is one of our best business cards for miles.
U.S. Bank Business AltitudeTM Connect World Elite Mastercard®: Best for Low Annual Fee With VIP Access to Over 1,300 Lounges Worldwide
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Intro APR
N/A
Regular APR
19.49% - 26.49% Variable
Annual Fee
$0 Intro Annual Fee for the first year, $95 therafter.
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit 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 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
Intro APR
N/A
Regular APR
19.49% - 26.49% Variable
Annual Fee
$0 Intro Annual Fee for the first year, $95 therafter.
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit 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 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
It comes with a Priority PassTM Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year. It charges a $0 annual fee for the first year, then $95 thereafter. Another unique feature is the ExtendPay® Plan Receive a new cardmember $0 fee offer on ExtendPay Plans opened in the first 60 days after account opening , which lets you divide your eligible balance into monthly installments without interest—you just need to pay a small monthly fee.
- 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
- $0 fee on ExtendPay Plans opened in the first 60 days after account opening
- $0 foreign transaction fee
- Transfer points between your business and personal Altitude cards
Its premium rewards rate on gas and EV charging stations is why the card is also part of our roundup of the top business fuel credit cards.
card_name: Best Personal Credit Card With Priority PassTM Select Membership
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BEST FOR:
Those who want to receive exceptional travel rewards and benefits
Intro APR
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Regular APR
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Annual Fee
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Credit Needed
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- 60,000 bonus points (worth $900 in travel) after spending $4,000 on purchases in the first three months after opening an account
- 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually
- 10x total points on Chase dining booked through Chase Ultimate Rewards®—these include prepaid restaurant reservations, ordering takeout, or joining virtual cooking events
- 5x total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually
- 3x points on other travel worldwide after the first $300 is spent on travel purchases annually
- 3x points on dining and restaurants (including eligible delivery services, takeout, and dining out)
Pros
- With $300 annual travel credit
- Lucrative rewards at 50% more when redeemed through the Chase Ultimate Rewards®
- With complimentary airport lounge access
Cons
- Charges a high annual fee
- Does not offer a 0% introductory period on purchases and balance transfers
- Requires excellent credit
- Luxury Hotel & Resort Collection™: You can secure the Luxury Hotel & Resort Collection™ and upgrade your hotel accommodations with room upgrades, complimentary daily breakfast, late checkout, and a special benefit of up to $100.
- Travel accident insurance: You are eligible to receive accidental death or dismemberment coverage of up to $1,000,000 when you pay for your air, bus, train, or cruise transportation with your card.
- Purchase protection: You can get protection for purchases made using your card against damage or theft within 120 days from the date of purchase. You’re allowed a maximum of $10,000 coverage per claim and $50,000 annually.
- Return protection: You can receive coverage if the eligible item bought with your card isn’t taken back by the store. You can be reimbursed for eligible items within 90 days of purchase, up to $500 per item and $1,000 per year.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- 60,000 bonus points (worth $900 in travel) after spending $4,000 on purchases in the first three months after opening an account
- 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually
- 10x total points on Chase dining booked through Chase Ultimate Rewards®—these include prepaid restaurant reservations, ordering takeout, or joining virtual cooking events
- 5x total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually
- 3x points on other travel worldwide after the first $300 is spent on travel purchases annually
- 3x points on dining and restaurants (including eligible delivery services, takeout, and dining out)
Pros
- With $300 annual travel credit
- Lucrative rewards at 50% more when redeemed through the Chase Ultimate Rewards®
- With complimentary airport lounge access
Cons
- Charges a high annual fee
- Does not offer a 0% introductory period on purchases and balance transfers
- Requires excellent credit
- Luxury Hotel & Resort Collection™: You can secure the Luxury Hotel & Resort Collection™ and upgrade your hotel accommodations with room upgrades, complimentary daily breakfast, late checkout, and a special benefit of up to $100.
- Travel accident insurance: You are eligible to receive accidental death or dismemberment coverage of up to $1,000,000 when you pay for your air, bus, train, or cruise transportation with your card.
- Purchase protection: You can get protection for purchases made using your card against damage or theft within 120 days from the date of purchase. You’re allowed a maximum of $10,000 coverage per claim and $50,000 annually.
- Return protection: You can receive coverage if the eligible item bought with your card isn’t taken back by the store. You can be reimbursed for eligible items within 90 days of purchase, up to $500 per item and $1,000 per year.
As a personal credit card that can also be used for business purposes, this card provides complimentary access for you and up to two guests to more than 1,300 airport lounges worldwide through Priority PassTM Select membership. Plus, you can also access all available Chase Sapphire Lounge by The Club locations.
- 10x total points on hotels (excluding The EditSM) and car rentals when you purchase travel through Chase after the first $300 is spent on travel purchases annually
- 10x total points on Chase Dining purchases with Ultimate Rewards®
- 5x total points on flights when you purchase travel through Chase Travel after the first $300 is spent on travel purchases annually
- 3x points on dining at restaurants, including eligible delivery services, takeout, and dining out
- 3x points on other travel worldwide after the first $300 is spent on travel purchases annually
- 60,000 bonus points after spending $4,000 in purchases within the first three months from the date of account opening
- Up to $1,000 in additional partnership benefit value
- $300 in statement credits each anniversary year as reimbursements for more of your travel purchases
- 50% more value when you redeem for travel through Chase—for example, 60,000 points are worth $900 toward travel
- Up to $100 statement credit every four years as reimbursement for the Global Entry or TSA PreCheck® or NEXUS fees
Keep in mind that it charges an annual fee of $550 (plus $75 for each authorized user).
United ClubSM Business Card: Best for Complimentary Access to United Club Locations
United Club℠ Business Card
BEST FOR:
United Airlines enthusiasts who use airport lounge access regularly
Intro APR
N/A
Regular APR
21.99% to 28.99% variable
Annual Fee
$450
Credit Needed
Good - Excellent
- 50,000 bonus miles after spending $5,000 on purchases within the first three months after account opening
- United ClubSM membership
- Two Premier Access® travel services
- First and second checked bag free
- Earn double miles on tickets purchased from United
- Earn 1.5 miles per $1 spent on all other purchases
- No foreign transaction fees
Pros
- With free first and second checked bags
- Welcome offer
- Offers United Club membership
Cons
- Charges high annual fee
- Does not have a 0% introductory period on purchases and balance transfers
- United Club membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.
- Avis President’s Club®: Primary cardholders are invited to enroll in Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental services, and more.
- Free two checked bags: The primary cardholder and their companion traveling with the same reservation will each receive free checked bags (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person).
- Lost luggage reimbursement: You and your immediate family member are covered up to $3,000 if you check or carry luggage damaged or lost by the carrier.
- Baggage delay insurance: If there’s a baggage delay of more than six hours, you can be reimbursed for essential purchases, such as toiletries and clothing, up to $100 a day for three days.
Intro APR
N/A
Regular APR
21.99% to 28.99% variable
Annual Fee
$450
Credit Needed
Good - Excellent
- 50,000 bonus miles after spending $5,000 on purchases within the first three months after account opening
- United ClubSM membership
- Two Premier Access® travel services
- First and second checked bag free
- Earn double miles on tickets purchased from United
- Earn 1.5 miles per $1 spent on all other purchases
- No foreign transaction fees
Pros
- With free first and second checked bags
- Welcome offer
- Offers United Club membership
Cons
- Charges high annual fee
- Does not have a 0% introductory period on purchases and balance transfers
- United Club membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.
- Avis President’s Club®: Primary cardholders are invited to enroll in Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental services, and more.
- Free two checked bags: The primary cardholder and their companion traveling with the same reservation will each receive free checked bags (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person).
- Lost luggage reimbursement: You and your immediate family member are covered up to $3,000 if you check or carry luggage damaged or lost by the carrier.
- Baggage delay insurance: If there’s a baggage delay of more than six hours, you can be reimbursed for essential purchases, such as toiletries and clothing, up to $100 a day for three days.
It gives the cardholder and an eligible companion access to United Club locations and participating Star AllianceTM through United ClubSM membership, making it ideal for those who fly with United Airlines frequently. It also offers the first and second checked bags for you and one companion for free and lets you earn miles rewards.
- 7x total miles on United flights—5x miles on fare from United as a MileagePlus member, plus 2x miles on the entire United purchase
- 2x miles on other United purchases
- 3.5x total miles on hotel stays booked through United Hotels—2x miles from United as a MileagePlus member, plus 1.5x miles earned with the United Club Business Card
- 1.5x miles on all other purchases
- 50,000 bonus miles and 1,000 Premier Qualifying Points (PQPs) after spending $5,000 in purchases within the first three months from the date of account opening
- Complimentary amenities, which include Wi-Fi, beverages, snacks, and personalized travel assistance; access policies vary by airline, so check your airline’s lounge policy or the Star Alliance’s Lounge Access Policy
- $0 foreign transaction fee
- Premier Access® travel services, including priority check-in, security screening, boarding, and baggage handling privileges
- 25% back on United inflight and Club premium drink purchases
- Avis President’s Club® access lets you enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental service, and more
The United ClubSM membership is valued at $650, which means that the card’s annual fee of $450 is justified by its associated benefits. The card also earned a spot in our list of the best business cards for miles.
Citi/AAdvantage® Executive World Elite Mastercard®: Best Personal Credit Card for Frequent American Airlines Travelers
Citi® / AAdvantage® Executive World Elite Mastercard®
BEST FOR:
American Airlines frequent flyers who want premium airport lounge access
Intro APR
N/A
Regular APR
21.24% to 29.99% variable
Annual Fee
$595
Credit Needed
Good to Excellent
- Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 in purchases within the first 3 months of account opening
- 10x AAdvantage® miles for every dollar spent on eligible car rentals booked through aa.com/cars
- 10x AAdvantage® miles for every dollar spent on eligible hotels booked through aa.com/hotels
- 4x AAdvantage® miles for every dollar spent on American Airlines purchases
- 1x AAdvantage® miles for every dollar spent on all other purchases
- 5x AAdvantage® miles for every dollar spent on American Airlines purchases for the rest of the year after meeting the $150,000 cap
Pros
- Welcome offer
- Offers comprehensive travel perks
- Provides Admirals Club® membership
Cons
- Does not have interest-free financing option for both purchases and balance transfers
- Charges high annual fee
- First checked bag free: Offers a free first checked bag on domestic American Airlines itineraries for you and up to eight travel companions on the same reservation.
- Global Entry or TSA PreCheck® application fee credit: You can receive one statement credit up to $100 per account every five years for either the Global Entry or the TSA PreCheck® program application fee
- Discount on inflight food and beverage: You’ll receive a 25% savings on inflight purchases of food and beverages on flights operated by American Airlines.
- Enhanced airport experience: Enjoy priority check-in, priority airport screening, and priority boarding privileges for you and up to eight travel companions on the same reservation.
Intro APR
N/A
Regular APR
21.24% to 29.99% variable
Annual Fee
$595
Credit Needed
Good to Excellent
- Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 in purchases within the first 3 months of account opening
- 10x AAdvantage® miles for every dollar spent on eligible car rentals booked through aa.com/cars
- 10x AAdvantage® miles for every dollar spent on eligible hotels booked through aa.com/hotels
- 4x AAdvantage® miles for every dollar spent on American Airlines purchases
- 1x AAdvantage® miles for every dollar spent on all other purchases
- 5x AAdvantage® miles for every dollar spent on American Airlines purchases for the rest of the year after meeting the $150,000 cap
Pros
- Welcome offer
- Offers comprehensive travel perks
- Provides Admirals Club® membership
Cons
- Does not have interest-free financing option for both purchases and balance transfers
- Charges high annual fee
- First checked bag free: Offers a free first checked bag on domestic American Airlines itineraries for you and up to eight travel companions on the same reservation.
- Global Entry or TSA PreCheck® application fee credit: You can receive one statement credit up to $100 per account every five years for either the Global Entry or the TSA PreCheck® program application fee
- Discount on inflight food and beverage: You’ll receive a 25% savings on inflight purchases of food and beverages on flights operated by American Airlines.
- Enhanced airport experience: Enjoy priority check-in, priority airport screening, and priority boarding privileges for you and up to eight travel companions on the same reservation.
This card is best for business owners who travel with American Airlines frequently. You’ll receive Admirals Club® membership (valued at $850), which provides complimentary access to around 50 Admirals Club® lounges and more than 60 partner lounges worldwide. Plus, it lets you earn premium miles, which you can use for seat upgrades, car rentals, hotels, vacation packages, and Admirals Club® access.
- 10x AAdvantage® miles for every $1 spent on eligible hotels and car rentals booked through aa.com
- 5x AAdvantage® miles for every $1 spend on eligible American Airlines purchases after spending $150,000 in a calendar year
- 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- 1x AAdvantage® mile for every $1 spent on all other purchases
- 100,000 American Airlines AAdvantage® miles and a complimentary Admirals Club® membership after spending $10,000 in purchases within the first three months from the date of account opening
- Up to $100 credit every four years for Global Entry or TSA PreCheck® application fee
- Enhanced airport experience like priority check-in, screening, and boarding when flying with American Airlines
- Up to 20,000 additional Loyalty Points when conditions are met
- 25% savings on inflight food and beverage purchases
- First checked bag free on domestic American Airlines itineraries for you and up to eight travel companions on the same reservation
- $0 foreign transaction fee
While it comes with a high annual fee of $595, the benefits that you can get from the Admirals Club® membership, which is valued at $850, justify the annual fee.
How We Selected the Best Business Credit Cards With Lounge Access
While we prioritize complimentary airport lounge access, we also considered travel rewards and other features when selecting the best business credit cards with airport lounge access. Additionally, we took into account travel perks like no foreign transaction fee, travel credits for incidental fees, priority boarding, free checked bags, companion certificates, and travel insurance. We included cards associated with some of the most popular airlines and those with independent airport lounge programs.
Frequently Asked Questions (FAQs)
Free access to airport lounges offers complimentary amenities, such as snacks and beverages, alcohol, Wi-Fi, power outlets, restrooms, and comfortable seats, to relax or work while waiting for your flight. It’s important to note that amenities may vary depending on what is offered by your chosen credit card. Make sure to ask the issuer for the complete access details.
The business credit card with airport lounge access that’s right for you will vary depending on your unique business’s needs. To find the best one, consider the following factors:
- Fees: Most of the best business credit cards with lounge access charge high annual fees in exchange for premium travel perks. Consider the perks that are most useful to you and determine if the cost of the card justifies its benefits.
- Rewards: Depending on your spending habits, consider cards that let you earn rewards on where you typically spend the most. This allows you to maximize your earning potential by simply using the card for your everyday expenses.
- Features: Aside from complimentary or discounted airport lounge access, check the features that come with the card, including expense reporting systems, additional employee cards, and insurance coverage.
- Airlines: If you frequently fly on a specific airline, such as Delta, United Airlines, or American Airlines, getting co-branded cards is a clever idea. However, if you travel with various airlines, a card that’s not co-branded is a better option.
Using a personal credit card for business is generally not prohibited. However, you need to account for your spending carefully and keep your business and personal expenses separate. Although, ideally, a business credit card is a better option for business owners, especially if you want to build your business credit. But if you cannot qualify for a business credit card yet, you may use a personal credit card that’s dedicated solely to your business to help avoid commingling your finances.
Bottom Line
When choosing the best business credit card with airport lounge access, determine whether you would benefit more from an airline-specific credit card or one that allows access to independent lounges with more locations around the world. Be sure to consider how frequently you plan to visit airport lounges, as the majority of these cards require a high annual fee.
If your business requires you to travel frequently, you may want to have multiple credit cards with airport lounge access. Consider one card associated with your favorite airline and another with a wider selection of club access even if you fly with a different airline. Ensure that you make use of the perks and benefits to justify the annual fees.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
