Best Credit Card for Lounge Access (4 Expert Picks)

Best Credit Card for Lounge Access (4 Expert Picks)

credit card advice

Aaron Crowe
By: Aaron Crowe
Updated: April 16, 2019
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Our articles follow strict editorial guidelines and are updated regularly.

Finding somewhere to relax in an airport before your flight departs can be challenging. Finding an open seat, nabbing an outlet to plug your phone into, and getting a snack without waiting in a long line can be nearly impossible — but not if you have a credit card that offers lounge access.

Fliers with free lounge access as part of their credit card benefits can get into an airport lounge without being a first-class or business-class traveler. Features differ by airport, but common benefits offered at airport lounges include free snacks and beverages including alcohol, WiFi and computer workstations, comfortable seating, showers, and massages. Some even offer sleep rooms. 

Here are four of the best credit cards available that offer airport lounge access:

1. Chase Sapphire Reserve®

The Chase Sapphire Reserve® provides a range of travel benefits, including lounge access to over 1,000+ lounges around the world through enrollment in Priority Pass™ Select.

Additionally, enjoy a Global Entry or TSA Pre✔® fee credit to smooth your way through security and customs. And cardholders also earn 3X points per $1 spent on travel and dining purchases, plus 1X point per dollar on all other purchase.




  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
19.24% - 26.24% Variable

While the card’s $450 annual fee may give many pause, its $300 annual travel credit easily brings it down to a reasonable cost. Plus, the card’s signup bonus is valuable enough to cover the remaining fee for several years to come.

Photos of Priority Pass Airport Lounges

Virgin Atlantic Clubhouse, LAX International (left), Lounge L, Seoul Incheon International (right)

Other nice travel perks available to Chase Sapphire Reserve® cardholders can give a little peace of mind, like trip cancellation, trip interruption, and baggage delay insurance, as well as lost luggage reimbursement and travel accident insurance.

2. The Platinum Card® from American Express

The American Express Platinum offers access to more than 800 airport lounges, including the Centurion Lounges at LaGuardia Airport in New York City, Dallas, San Francisco, Las Vegas, Miami, and Seattle. It also allows access to Delta SkyClub and Priority Pass Select.

While amenities differ among lounges, the Centurion Lounge at the San Francisco airport is 8,200 square feet, offers a variety of local beers, and has a wine machine that offers up to five different wine samples per visit. There’s even a separate sound-proof family room for kids to play in.

Photo of American Express Centurion Lounge, San Francisco International Airport

American Express Centurion Lounge, San Francisco International Airport

The card’s $550 annual fee may be high, but its lounge access and travel benefits help make it worthwhile for many users. Additional benefits include a fee credit of $100 for Global Entry or $85 for TSA Pre✔®, monthly Uber credits, an annual airline fee credit, and elite status with Marriott and Hilton.

3. United MileagePlus Club Card by Chase

The United MileagePlus Club Card offers free snacks and beverages to the primary cardmember and eligible travel companions at all United Club locations and participating Star Alliance affiliated lounges worldwide.

This card also offers 1.5 miles per $1 spent, free first and second checked bags, premier travel services such as security screen privileges, and no foreign transaction fees. The annual fee is $450.

Photo of United Club Lounge, Chicago O'Hare International Airport

United Club Lounge, Chicago O’Hare International Airport

One thing to note is that the credit card alone won’t get you into the airport lounge — a United Club membership card is required.

Chase says the membership is worth up to a $550 value per year. The fine print on the card’s website says that United Club membership will be renewed automatically on each credit card anniversary date, though members can cancel their membership at any time and receive a prorated refund.

4. Citi® / AAdvantage® Executive World Elite™ Mastercard®

Citi® / AAdvantage® Executive World Elite™ Mastercard® offers free access to over 50 American Airlines Admirals Club lounges for the primary cardholder and immediate family, or up to two traveling guests, when flying on American Airlines. Cardholders also get a Global Entry or TSA Pre✓® application fee credit.

The Admirals Club lounges are undergoing a makeover — better food and furniture with power ports built in are being added, for example. Light snacks and drinks are free, and more food is available for purchase.

Photo of American Airlines Admirals Club Lounge, John F. Kennedy International Airport, New York

American Airlines Admirals Club Lounge, John F. Kennedy International Airport, New York

Other benefits of the Citi® / AAdvantage® Executive World Elite™ Mastercard® include your first checked bag free, priority boarding, and double miles on eligible American Airlines purchases.

Final Thoughts

When deciding which credit card is best for you to gain airport lounge access, consider how often you travel. The annual fees for these credit cards are high, and frequent traveling can make them worthwhile.

Also, consider which airports you travel to most often and what lounges are available there. The credit card won’t be much of a benefit if it doesn’t offer free access to a lounge at your main airport. But once you’ve got the right card in your wallet, you’ll be lounging VIP-style in no time. 

Photo credits:,,,