Best Credit Cards for Airport Lounge Access of June 2023
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Airport lounges are designed to be a respite from the more chaotic aspects of air travel. Sick of crowded, noisy terminals with no place to plug in your phone and outrageously overpriced food and drinks? Lounges can offer relative quiet, comfortable seating and complimentary refreshments. That's why access to airport lounges has become such a popular perk on travel credit cards.
This page lists the cards available on NerdWallet with the best airport lounge benefits. Below the featured cards, you'll find a longer list of cards that offer some amount of lounge access, as well as resources that can help you decide which lounge networks — and therefore which cards — make the most sense for you.
Airport lounges are designed to be a respite from the more chaotic aspects of air travel. Sick of crowded, noisy terminals with no place to plug in your phone and outrageously overpriced food and drinks? Lounges can offer relative quiet, comfortable seating and complimentary refreshments. That's why access to airport lounges has become such a popular perk on travel credit cards.
This page lists the cards available on NerdWallet with the best airport lounge benefits. Below the featured cards, you'll find a longer list of cards that offer some amount of lounge access, as well as resources that can help you decide which lounge networks — and therefore which cards — make the most sense for you.
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Best Credit Cards for Airport Lounge Access From Our Partners
Our pick for
Overall access / wide variety
on American Express' website
on American Express' website
$695
1x-5x
Points
80,000
Points
The Platinum Card® from American Express gets you access to more than 1,200 locations, starting with the issuer's own Centurion and International American Express lounges, as well as Delta Sky Clubs and lounges in the Priority Pass, Escape, Plaza Premium and Air Space networks.
The Platinum Card® from American Express gets you access to more than 1,200 locations, starting with the issuer's own Centurion and International American Express lounges, as well as Delta Sky Clubs and lounges in the Priority Pass, Escape, Plaza Premium and Air Space networks.
Pros
This is a high-end card designed for high-end travelers. The ongoing rewards are decent: 5 points per dollar on airfare and hotels when booked the right way (terms apply) and 1 point per dollar elsewhere. But the real value lies in the perks — and the lounge access is just the start. There’s an annual credit of $200 for airline fees and up to $200 a year in Uber credit, for example. You’ll be reimbursed for the application fee for Global Entry or TSA PreCheck every five years and enough for a Clear membership. And don’t forget the big welcome offer for new cardholders.
Cons
The $695 annual fee is about as high as it gets for a mainstream card. If you don’t spend a lot on travel, the rewards are poor. And unlike with airline-branded cards, you don't get free checked bags, priority boarding or other carrier-specific benefits.
Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Disney+, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Walmart+ members enjoy shopping perks – both online and in-store – at Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive a statement credit that covers the full cost each month. $12.95 plus applicable taxes. Plus Up Benefits not eligible.
$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 your Card.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Benefit renews annually.
$300 Equinox Credit: Get up to $300 back per calendar year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card®. Enrollment required. Learn more.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Platinum Card®.
$100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $50 in statement credits semi-annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. Must charge full price of bike in one transaction, and an Equinox+ subscription is required.
Add your Platinum Card® to your Resy profile on the Resy app or website and unlock Global Dining Access by Resy to exclusive tables and events.
$695 annual fee.
Terms Apply.
- View Rates & Fees
Our pick for
Frequent American Airlines flyers
on Citibank's application
on Citibank's application
$450
1x
Miles
50,000
Miles
The Citi® / AAdvantage® Executive World Elite Mastercard® gets you and your immediate family (or up to two guests) into the airline's Admirals Club lounges.
The Citi® / AAdvantage® Executive World Elite Mastercard® gets you and your immediate family (or up to two guests) into the airline's Admirals Club lounges.
Pros
Unlike with other airlines' club cards, authorized users also get lounge access even without the primary cardholder being present, as long as they have a same-day boarding pass. You get a checked-bag benefit, priority boarding and reimbursement for the application fee for TSA PreCheck or Global Entry. There's a solid sign-up bonus, and every purchase not only earns miles to be used for future travel but also accrues points toward elite status in the AAdvantage program.
Cons
The ongoing spending rewards are somewhat underwhelming: 2 miles per dollar spent with American and 1 point per dollar elsewhere. As with any club card, it has a high annual fee, although that fee ($450) is less than the cost of a stand-alone lounge membership.
Earn 50,000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases in the first 3 months of account opening.
Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you.
No Foreign Transaction Fees on purchases.
Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation.
- View Rates & Fees
Our pick for
Frequent Delta Air Lines flyers
on American Express' website
on American Express' website
$550
1x-3x
Miles
50,000
Miles
The Delta SkyMiles® Reserve American Express Card gets you into Delta's Sky Clubs, as you would expect. But because of the airline's partnership with American Express, you also get access to AmEx's Centurion Lounges when traveling on Delta.
The Delta SkyMiles® Reserve American Express Card gets you into Delta's Sky Clubs, as you would expect. But because of the airline's partnership with American Express, you also get access to AmEx's Centurion Lounges when traveling on Delta.
Pros
You earn 3 miles per dollar on eligible purchases made directly with Delta and 1 mile per dollar on other purchases. While the lounge access is the most prominent perk of the card, you also get a companion certificate each year upon renewal (and it's good even in first class), a checked-bag benefit, reimbursement for the application fee for TSA PreCheck or Global Entry, concierge service and more. There's also a solid welcome offer for new cardholders. Terms apply.
Cons
As with any airline club card, the annual fee can make you pause $550. However, that's roughly what you'd pay for a lounge membership alone.
Earn 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 6 months.
Complimentary access to the Delta Sky Club® for you when travelling on a Delta flight.
Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
Earn up to 60,000 Medallion® Qualification Miles (MQMs) With Status Boost® per year. After you spend $30,000 in purchases on your Card in a calendar year, you can earn 15,000 MQMs up to four times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.
New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Receive a domestic First Class, Delta Comfort+® or domestic Main Cabin round trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
Fee Credit for Global Entry or TSA PreCheck® after you apply through any Authorized Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Enjoy your first checked bag free on Delta flights.
Earn 3X Miles on Delta purchases.
Earn 1X Mile on all other eligible purchases.
No Foreign Transaction Fees.
$550 Annual Fee.
Terms Apply.
- View Rates & Fees
Our pick for
Priority Pass access
on Chase's website
on Chase's website
$550
1x-10x
Points
60,000
Points
The Chase Sapphire Reserve® isn't unique in giving cardholders a complimentary Priority Pass Select membership, but it's the most flexible and cost-effective card that does so.
The Chase Sapphire Reserve® isn't unique in giving cardholders a complimentary Priority Pass Select membership, but it's the most flexible and cost-effective card that does so.
Pros
This card offers strong rewards on travel and dining — 3 to 10 points per dollar spent, depending on the circumstances. Points are worth 1.5 cents apiece when redeemed for travel booked through Chase, or you can transfer them to a dozen hotel and airline partners. Beyond lounge access, the perks include $300 a year in credit for travel expenses (effectively making up for more than half the annual fee) and reimbursement for the application fee for TSA PreCheck or Global Entry. And don't forget the big sign-up bonus.
Cons
The $550 fee is a significant out-of-pocket expense, and much of the value of the card is tied up in the $300 travel credit. Get this card only if you are a dedicated traveler.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Our pick for
Limited access for a lower fee
on American Express' website
on American Express' website
$95
3x-12x
Points
130,000
Points
The Hilton Honors American Express Surpass® Card comes with a complimentary Priority Pass Select membership that entitles you to 10 free lounge visits per year.
The Hilton Honors American Express Surpass® Card comes with a complimentary Priority Pass Select membership that entitles you to 10 free lounge visits per year.
Pros
Lounge access is an unusual perk on a hotel credit card, but it makes sense for heavy travelers. This card earns 12 points per $1 spent with Hilton; 6 points per $1 on all eligible purchases at U.S. restaurants, U.S. supermarkets and U.S. gas stations; and 3 points per $1 on all other qualifying purchases. Hilton points have a relatively low individual value, but this card makes up for it by giving you a lot of them. There's a pretty good bonus offer, too. Terms apply.
Cons
If you're not a regular Hilton customer, and don't have the option to be, this card's value is limited. After your 10 free lounge visits each year, you have to pay. The per-visit fee as of 2022 was $32. There's a $95.
Earn 130,000 Hilton Honors Bonus Points and one Free Night Reward from Hilton Honors after you spend $2,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 3 months of Card Membership.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
$95 annual fee.
Terms Apply.
- View Rates & Fees
• • •
LOUNGE ACCESS: WHAT YOU NEED TO KNOW
By Melissa Lambarena and Gregory Karp
Credit cards with airport lounge access
This table shows airport lounge benefits on popular consumer credit cards as of October 2022. Benefits can change, so verify with the issuer before applying.
CARD NAME | LOUNGE ACCESS DETAILS |
|---|---|
Receive up to $100 in statement credits per calendar year for LoungeBuddy. | |
Unlimited access to Capital One Lounges (as of October 2022, there is only one such lounge, at Dallas-Fort Worth) and complimentary access to lounges in the Priority Pass Select network. | |
Complimentary access to lounges in the Priority Pass Select network. | |
Full membership access to Admirals Club lounges, plus access for up to 2 guests or immediate family members traveling with you. | |
Complimentary access to lounges in the Priority Pass Select network. | |
Complimentary Delta SkyClub access, plus access to American Express Centurion Lounges when flying Delta. | |
10 free visits per year to Priority Pass Select lounges. | |
Complimentary access to lounges in the Priority Pass Select network. | |
HSBC Elite Credit Card | You and 1 guest get free access to over 1,000 airport lounges provided by LoungeKey. |
2 free annual Lufthansa Business lounge vouchers. | |
Complimentary access to lounges in the Priority Pass Select network. | |
Complimentary access to lounges in the Priority Pass Select network. | |
Complimentary access to lounges in the Priority Pass Select network. | |
Complimentary access to lounges in the American Express Global Lounge Collection. | |
SkyPass Visa Signature credit card | 2 free annual KAL lounge coupons. |
The UNFCU Visa Elite credit card | 5 free annual Priority Pass lounge visits. |
2 single-use United Club passes annually. | |
Complimentary United Club membership offers access to all United Club locations and participating Star Alliance affiliated lounges. | |
Priority Pass Select membership allows 4 free visits per year. |
Guide to airport lounge networks
There are thousands of lounges in airports around the world, but no single credit card gets you into them all. Some lounges are operated by airlines, some by credit card issuers, and others by restaurant or hospitality companies. Some can be accessed only by purchasing an expensive membership (or carrying a credit card that gives you such a membership), while others are open to anyone who buys a day pass. Lounges can have different membership tiers, different rules about bringing in kids or guests and different policies on who can get in when things get crowded.
Airline-operated lounges
Each of the three big domestic airlines operates a network of lounges. Lounges are typically located at airports in the airline's hub cities as well as at major travel destinations. With the exception of Alaska Airlines, smaller carriers don't have lounges.
Carrying the right credit card or purchasing a membership aren't the only ways to get into these lounges. Airlines established airport lounges as a way to provide VIP treatment for their most valuable customers — the frequent flyers who spend a lot of money with the airline. Depending on the airline, your elite status alone may get you in, or you may gain access if you have a ticket in a premium cabin, like first class or business class.
American Admirals Clubs have locations in more than 30 airports in the U.S. and overseas. Admirals Club members also have access to more than 60 partner lounges worldwide, including Alaska Airlines lounges on the West Coast. American also operates a handful of Flagship Lounges exclusively for premium class passengers.
Delta Sky Clubs are located in more than 35 airports. Delta's lounge network also includes sites operated by its partners in the SkyTeam Alliance, including Air France/KLM and Korean Air.
United Clubs can be found in more than 30 airports. United also operates Polaris Lounges, but those are only for premium class travelers on international flights.
Alaska Lounges have a smaller footprint — five airports on the West Coast, plus New York JFK. An upgraded "Lounge+" membership can also get you into American Admirals Clubs and more than 90 partner lounges worldwide. You have to buy the membership, though — there's no credit card shortcut.
American Express lounges
American Express operates Centurion Lounges at 13 airports in the United States and 11 elsewhere in the world (as of October 2022). You can get in with the right credit card, including the AmEx consumer or business Platinum card, the consumer or business Delta Reserve card, or the AmEx Centurion card.
Holders of Platinum cards also have access to hundreds of other lounges in a variety of partner networks that American Express calls the Global Lounge Collection. In addition to the Centurion Lounges and Delta Sky Clubs, the collection includes Lufthansa lounges and those in the Priority Pass, Escape, Plaza Premium and Air Space networks.
Other card issuer lounges
Both Chase and Capital One are pursuing plans to establish lounge networks of their own, although these facilities don't appear to be as exclusive as American Express' Centurion Lounges.
Capital One opened its first lounge at Dallas-Fort Worth and is planning at least two others — one in Denver and one at Washington Dulles. Anyone can buy a pass to a Capital One Lounge (for $65), but holders of the Capital One Venture X Rewards Credit Card get unlimited free access, and those with the Capital One Venture Rewards Credit Card get two free visits a year.
Chase has announced plans to open "Chase Sapphire Lounge by The Club" at six airports: Boston, Hong Kong, Las Vegas, New York (La Guardia), Phoenix and San Diego. You won't need a Chase Sapphire-branded card to get into these lounges. They'll be part of the Priority Pass network.
Priority Pass
Lounges in the Priority Pass network are independent enterprises not affiliated with an airline. There are more than 1,300 of them worldwide, although only a few dozen in the United States. Priority Pass has three membership tiers with differing levels of access. Priority Pass membership is a common perk on premium credit cards. If you have it, you'll typically need to enroll through your credit card account before trying to visit a lounge.
At some airports, select restaurants are part of the Priority Pass network. At these restaurants, you can order a meal and get a dining credit of up to $28, or up to $56 for you and a guest. The exact rules vary depending on your membership level or which credit card you hold. (Priority Pass memberships obtained through American Express cards do not include restaurant benefits, for example.) Learn more about Priority Pass restaurants.
Escape Lounges
There are about a dozen Escape Lounges in the U.S. What's noteworthy about them is that you don't need a membership. Regardless of what airline you're flying or what credit card you're carrying, you can buy a day pass. (The cost as of October 2022 was $45, or $40 if purchased online at least 24 hours ahead of time.) However, American Express cardholders with access to the Global Lounge Collection can get in for free.
Plaza Premium
The Plaza Premium network includes lounges at more than 50 airports worldwide. Only a handful are in the United States, mostly under the Virgin Atlantic Clubhouse name. Plaza Premium lounges are included in the American Express Global Lounge Collection and the Capital One Partner Lounge Network.
Air Space
These lounges — located at Cleveland, San Diego and New York (JFK) — sell day passes, with the price tied to availability, and are included in AmEx's Global Lounge Collection.
LoungeBuddy
This service, owned by American Express, allows you to buy one-time passes to lounges at more than 150 airports all over the world, including more than 30 in the United States. LoungeBuddy itself doesn't require a membership to use, but at least one card offers a LoungeBuddy perk: The American Express® Green Card provides $100 a year in credit for the service.
What's next?
To view rates and fees of The Platinum Card® from American Express, see this page. To view rates and fees of the Delta SkyMiles® Reserve American Express Card, see this page. To view rates and fees of the Hilton Honors American Express Surpass® Card, see this page. To view rates and fees of the Marriott Bonvoy Brilliant® American Express® Card, see this page.
To view rates and fees of the American Express® Green Card, see this page. All information about the Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. The Hilton Honors American Express Aspire Card is no longer available through NerdWallet.
Last updated on May 18, 2023
Methodology
Frequently asked questions
The "best" credit card for airport lounge access depends on who will be carrying that card. There isn't a single card that gets you into every lounge at every airport. So the best way to identify the right card for you is to first identify which lounges you want to get into — who operates them and where they are — and then find a card that gives you access to those places.
If you're going by the sheer number of lounges a card can get you into, the obvious choice is The Platinum Card® from American Express. It provides access (subject to certain requirements) to lounges operated by American Express and Delta, as well as lounge networks such as Escape, Priority Pass and Air Space. If you travel primarily on one airline, your best bet may just be the club card offered by that airline (assuming it has one), such as the Citi® / AAdvantage® Executive World Elite Mastercard®, the Delta SkyMiles® Reserve American Express Card or the United Club℠ Infinite Card.
Keep in mind that most credit cards that offer airline access charge annual fees in the hundreds of dollars. If you're traveling only a few times a year, the access is unlikely to be worth the cost by itself.
American Express says people who carry its Platinum cards have access to more than 1,200 airport lounges worldwide in what it calls the "Global Lounge Collection." About two dozen of these are operated by American Express itself, while others are operated by airlines or other partners.
As of October 2022, American Express had Centurion Lounges at these airports:
In the U.S.: Charlotte, Dallas-Fort Worth, Denver, Houston (Bush Intercontinental), Las Vegas, Los Angeles (LAX), Miami, New York (JFK and LaGuardia), Philadelphia, Phoenix, San Francisco and Seattle. Lounges were also planned for Atlanta and Washington (Reagan National).
Outside the U.S.: Buenos Aires, Delhi, Hong Kong, London, Melbourne, Mexico City, Monterrey, Mumbai, São Paulo, Stockholm and Sydney.
As of October 2022, American had nearly 50 Admirals Club locations in 32 airports:
In the U.S.: Atlanta, Austin, Boston, Charlotte, Chicago (O'Hare), Dallas-Fort Worth, Denver, Honolulu, Houston (Bush Intercontinental), Los Angeles (LAX), Miami, Nashville, New York (JFK and LaGuardia), Newark, Orange County, Orlando, Philadelphia, Phoenix, Pittsburgh, Raleigh-Durham, San Francisco, St. Louis, Tampa and Washington (Reagan National).
Outside the U.S.: Buenos Aires, London (Healthrow), Mexico City, Paris (Charles de Gaulle), Rio de Janeiro, São Paulo and Toronto.
American also operates Flagship Lounges for premium class passengers at a few airports, including Chicago (O'Hare), Dallas-Fort Worth, Los Angeles (LAX), Miami and New York (JFK). Another is planned for Philadelphia.
As of October 2022, Delta had more than 50 Sky Club locations in 36 airports:
In the U.S.: Anchorage, Atlanta, Austin, Boston, Chicago (O'Hare), Cincinnati, Dallas-Fort Worth, Denver, Detroit, Fort Lauderdale, Honolulu, Indianapolis, Jacksonville, Los Angeles (LAX), Memphis, Miami, Milwaukee, Minneapolis-St. Paul, Nashville, New Orleans, New York (JFK and LaGuardia), Newark, Orlando, Philadelphia, Phoenix, Portland, Raleigh-Durham, Salt Lake City, San Diego, San Francisco, Seattle-Tacoma, Tampa, Washington (Reagan National) and West Palm Beach.
Outside the U.S.: Tokyo (Haneda).
As of October 2022, United Airlines operated about 50 United Club lounges at 33 airports:
In the U.S.: Atlanta, Austin, Boston, Chicago (O'Hare), Cleveland, Dallas-Fort Worth, Denver, Fort Lauderdale, Honolulu, Houston (Bush Intercontinental), Las Vegas, Los Angeles (LAX), Minneapolis-St. Paul, New Orleans, Newark, New York (LaGuardia), Orange County, Orlando, Portland, Philadelphia, Phoenix, Raleigh-Durham, San Antonio, San Diego, San Francisco, Seattle and Washington (Dulles and Reagan National).
Outside the U.S.: Guam, Hong Kong, London (Heathrow), Mexico City and Tokyo (Narita).
United also operates Polaris clubs for premium class passengers on international flights, including at Chicago (O'Hare), Houston (Bush Intercontinental), Los Angeles (LAX), Newark, San Francisco and Washington (Dulles).
Southwest Airlines does not operate airport lounges. However, many of the airports in Southwest's focus cities have independent lounges that may be accessed with a Priority Pass membership or through a service like LoungeBuddy.
