Best Business Cards for Airport Lounge Access of July 2025
Some business credit cards unlock thousands of airport lounges across the globe. Others include a few annual visits. Factor lounge access against a card’s total rewards — and costs — to find the right fit.
Senior writer | Small business banking and credit cards, Paycheck Protection Program, consumer spending, and household finances
Kelsey Sheehy is a NerdWallet authority on small business. Her work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the <a href="https://www.today.com/video/christmas-in-july-sales-to-take-advantage-of-now-64075333536">"Today"</a> show, <a href="https://www.nbcnews.com/nightly-news/video/tax-code-changes-leave-many-americans-with-unhappy-returns-1440385091860">NBC News</a> and <a href="https://abcnews.go.com/WNT/video/cost-smartphones-reaching-time-high-54166111">"ABC World News Tonight"</a> and has been quoted by the Los Angeles Times, CNBC and American Banker, among other publications. Email: <a href="mailto:ksheehy@nerdwallet.com">ksheehy@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
NerdWallet's content is
fact-checked for accuracy, timeliness, and relevance by humans.
It undergoes a thorough review process involving writers and editors to ensure
the information is as clear and complete as possible. Learn more by checking
our
Editorial Guidelines.
Content was accurate at the time of publication.
Why trust NerdWallet
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Advertiser disclosure
You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with
confidence. And while our site doesn’t feature every company or
financial product available on the market, we’re proud that the guidance
we offer, the information we provide and the tools we create are
objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence
which products we review and write about (and where those products
appear on the site), but it in no way affects our recommendations or
advice, which are grounded in thousands of hours of research. Our
partners cannot pay us to guarantee favorable reviews of their products
or services. Here is a list of our partners .
Senior writer | Small business banking and credit cards, Paycheck Protection Program, consumer spending, and household finances
Kelsey Sheehy is a NerdWallet authority on small business. Her work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the <a href="https://www.today.com/video/christmas-in-july-sales-to-take-advantage-of-now-64075333536">"Today"</a> show, <a href="https://www.nbcnews.com/nightly-news/video/tax-code-changes-leave-many-americans-with-unhappy-returns-1440385091860">NBC News</a> and <a href="https://abcnews.go.com/WNT/video/cost-smartphones-reaching-time-high-54166111">"ABC World News Tonight"</a> and has been quoted by the Los Angeles Times, CNBC and American Banker, among other publications. Email: <a href="mailto:ksheehy@nerdwallet.com">ksheehy@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
NerdWallet's content is
fact-checked for accuracy, timeliness, and relevance by humans.
It undergoes a thorough review process involving writers and editors to ensure
the information is as clear and complete as possible. Learn more by checking
our
Editorial Guidelines.
Content was accurate at the time of publication.
Why trust NerdWallet
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Advertiser disclosure
You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with
confidence. And while our site doesn’t feature every company or
financial product available on the market, we’re proud that the guidance
we offer, the information we provide and the tools we create are
objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence
which products we review and write about (and where those products
appear on the site), but it in no way affects our recommendations or
advice, which are grounded in thousands of hours of research. Our
partners cannot pay us to guarantee favorable reviews of their products
or services. Here is a list of our partners .
One of the many perks of the Venture X Business card is a free Priority Pass membership with unlimited access for the primary cardholder (enrollment required).
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One's travel booking site
With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
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
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One's travel booking site
Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
This is a pay-in-full card, so your balance is due in full every month
Annual statement credit for travel, business expenses
New cardholder bonus offer
Cons
High annual fee
Low ongoing rewards rate
This card unlocks more than a thousand airport lounges, including Centurion, Priority Pass and Delta Sky Clubs (when flying Delta).
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.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
5X points on flights and prepaid hotels booked on AmexTravel.com
1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
1X points on other eligible purchases
Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
$695 Annual Fee.
Terms Apply.
Delta SkyMiles® Reserve Business American Express Card
SkyClub and Centurion Lounge membership (terms apply)
Companion pass benefit
Cons
High annual fee
Limited reward redemption options
Cardholders get access to more than 50 Delta Sky Club lounges (with four one-time guest passes each year), as well as Centurion and Escape Lounges if you purchase a Delta flight with your card.
Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/16/25.
Delta SkyMiles® Reserve Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
Earn 3 miles per dollar on eligible Delta purchases.
Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
Receive a Companion Certificate on a First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
Business travelers and up to two adult guests, or one adult and dependent children (under 21), can visit any of the more than 45 United Club lounges, as well as partner lounges, when traveling on United, Star Alliance™ or another partner-operated flight.
Earn 80,000 bonus miles + 2,000 Premier qualifying points after you spend $5,000 on purchases in the first 3 months your account is open.
Plus earn 5,000 bonus miles after you add an employee card to your account in the first 3 months your account is open.
United Club℠ membership - up to a $750 value per year. Enjoy access to United Club locations worldwide.
7x total miles on United flights – 5x miles on fare from United as a MileagePlus member, plus 2x miles on entire United purchase with the United Club℠ Business Card. Premier® members earn even more.
5x miles on hotel stays at Renowned Hotels and Resorts for United® Cardmembers when you prepay directly through Renowned Hotels and Resorts using your United Club℠ Business Card.*
2x miles on all other eligible United purchases.
1.5x miles on all other purchases.
Free first and second checked bags on United flights. Save up to $360 per roundtrip.
Information related to the United Club℠ Business Card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.
Airport lounge access for primary cardholder and guests
Cons
High annual fee
Complicated rewards
Requires excellent credit
Purchases that don't qualify for Flex for Business must be paid in full every month
Primary cardholders can access the Chase Sapphire Lounge by The Club network of lounges, as well as Priority Pass Select lounges. They can bring two guests with them, too. Other luxury business cards are rolling back free guest access. That makes this card a good choice if you often travel with employees.
Just note: Employees can't access lounges on their own, even with an employee card. They must be with the primary cardholder.
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
One of the many perks of the Venture X Business card is a free Priority Pass membership with unlimited access for the primary cardholder (enrollment required).
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One's travel booking site
With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
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
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One's travel booking site
Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
This is a pay-in-full card, so your balance is due in full every month
One of the many perks of the Venture X Business card is a free Priority Pass membership with unlimited access for the primary cardholder (enrollment required).
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One's travel booking site
With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
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
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One's travel booking site
Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
This is a pay-in-full card, so your balance is due in full every month
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.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
5X points on flights and prepaid hotels booked on AmexTravel.com
1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
1X points on other eligible purchases
Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
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.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
5X points on flights and prepaid hotels booked on AmexTravel.com
1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
1X points on other eligible purchases
Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
SkyClub and Centurion Lounge membership (terms apply)
Companion pass benefit
Cons
High annual fee
Limited reward redemption options
Cardholders get access to more than 50 Delta Sky Club lounges (with four one-time guest passes each year), as well as Centurion and Escape Lounges if you purchase a Delta flight with your card.
Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/16/25.
Delta SkyMiles® Reserve Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
Earn 3 miles per dollar on eligible Delta purchases.
Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
Receive a Companion Certificate on a First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
SkyClub and Centurion Lounge membership (terms apply)
Companion pass benefit
Cons
High annual fee
Limited reward redemption options
Cardholders get access to more than 50 Delta Sky Club lounges (with four one-time guest passes each year), as well as Centurion and Escape Lounges if you purchase a Delta flight with your card.
Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/16/25.
Delta SkyMiles® Reserve Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
Earn 3 miles per dollar on eligible Delta purchases.
Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
Receive a Companion Certificate on a First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
Business travelers and up to two adult guests, or one adult and dependent children (under 21), can visit any of the more than 45 United Club lounges, as well as partner lounges, when traveling on United, Star Alliance™ or another partner-operated flight.
Earn 80,000 bonus miles + 2,000 Premier qualifying points after you spend $5,000 on purchases in the first 3 months your account is open.
Plus earn 5,000 bonus miles after you add an employee card to your account in the first 3 months your account is open.
United Club℠ membership - up to a $750 value per year. Enjoy access to United Club locations worldwide.
7x total miles on United flights – 5x miles on fare from United as a MileagePlus member, plus 2x miles on entire United purchase with the United Club℠ Business Card. Premier® members earn even more.
5x miles on hotel stays at Renowned Hotels and Resorts for United® Cardmembers when you prepay directly through Renowned Hotels and Resorts using your United Club℠ Business Card.*
2x miles on all other eligible United purchases.
1.5x miles on all other purchases.
Free first and second checked bags on United flights. Save up to $360 per roundtrip.
Information related to the United Club℠ Business Card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.
Business travelers and up to two adult guests, or one adult and dependent children (under 21), can visit any of the more than 45 United Club lounges, as well as partner lounges, when traveling on United, Star Alliance™ or another partner-operated flight.
Earn 80,000 bonus miles + 2,000 Premier qualifying points after you spend $5,000 on purchases in the first 3 months your account is open.
Plus earn 5,000 bonus miles after you add an employee card to your account in the first 3 months your account is open.
United Club℠ membership - up to a $750 value per year. Enjoy access to United Club locations worldwide.
7x total miles on United flights – 5x miles on fare from United as a MileagePlus member, plus 2x miles on entire United purchase with the United Club℠ Business Card. Premier® members earn even more.
5x miles on hotel stays at Renowned Hotels and Resorts for United® Cardmembers when you prepay directly through Renowned Hotels and Resorts using your United Club℠ Business Card.*
2x miles on all other eligible United purchases.
1.5x miles on all other purchases.
Free first and second checked bags on United flights. Save up to $360 per roundtrip.
Information related to the United Club℠ Business Card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.
Airport lounge access for primary cardholder and guests
Cons
High annual fee
Complicated rewards
Requires excellent credit
Purchases that don't qualify for Flex for Business must be paid in full every month
Primary cardholders can access the Chase Sapphire Lounge by The Club network of lounges, as well as Priority Pass Select lounges. They can bring two guests with them, too. Other luxury business cards are rolling back free guest access. That makes this card a good choice if you often travel with employees.
Just note: Employees can't access lounges on their own, even with an employee card. They must be with the primary cardholder.
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Airport lounge access for primary cardholder and guests
Cons
High annual fee
Complicated rewards
Requires excellent credit
Purchases that don't qualify for Flex for Business must be paid in full every month
Primary cardholders can access the Chase Sapphire Lounge by The Club network of lounges, as well as Priority Pass Select lounges. They can bring two guests with them, too. Other luxury business cards are rolling back free guest access. That makes this card a good choice if you often travel with employees.
Just note: Employees can't access lounges on their own, even with an employee card. They must be with the primary cardholder.
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Other business cards with lounge access to consider
The following options don't stack up against the best business credit cards. But they do offer limited airport lounge access:
The New United℠ Business Card : Includes two United Club passes per year. Passes don't include guests (except children under 2). There are more than 45 United Club lounges, including in a handful of popular international destinations, such as London Heathrow and Hong Kong International Airport.
U.S. Bank Business Altitude Connect World Elite Mastercard : Includes up to four free Priority Pass visits per year for the cardholder and one additional guest per visit. There are more than 1,400 Priority Pass lounges and experiences around the world.
There are also several personal travel cards that offer airport lounge access, which can be an option for sole proprietors or business owners who don’t need employee cards. Lounge benefits and annual fees are pretty similar between personal and business cards, but welcome offers and other rewards categories may differ slightly.
If you opt to use a personal card, it’s smart to keep it exclusively for business purchases. Commingling business and personal expenses can complicate bookkeeping and tax filing.
Compare airport lounge access for business credit cards
Business card
Lounge access
Capital One Venture X Business
Priority Pass, Plaza Premium and Capital One lounges.
The Business Platinum Card® from American Express
American Express Centurion and Escape Lounges, International American Express Lounges, Priority Pass Select, and Delta Sky Club and Lufthansa Lounges (when flying with that airline).
Sapphire Reserve for Business℠
Priority Pass and Chase Sapphire Lounge by The Club network lounges
Delta SkyMiles® Reserve Business American Express Card
Delta Sky Club and American Express Centurion® and Escape Lounges, when flying on a Delta ticket purchased with the card.
United Club℠ Business Card
United Club and participating Star Alliance lounges.
The New United℠ Business Card
United Club (up to two visits per year).
U.S. Bank Business AltitudeTM Connect World Elite Mastercard®
Priority Pass (up to four visits per year).
How to choose a business card for airport lounge access
Seeking out a business credit card for airport lounge benefits narrows your options of business travel cards to a handful. But how do you choose from there? Ask yourself these questions:
1. Which airlines do you fly? If you’re loyal to United or Delta, a co-branded card like the Delta SkyMiles® Reserve Business American Express Card or the United Club℠ Business Card will give you entry into the airlines’ respective lounges, plus airline-specific perks like discounts and free seat upgrades.
Capital One Venture X Business, on the other hand, is the best option if you fly with multiple airlines or have the flexibility to book most of your flights through Capital One’s travel portal (you’ll get 5 points per $1).
2. What routes do you fly? Most major travel hubs have multiple airport lounges in each terminal, making it easy to pop into one on a layover. But some airports have limited options. In Detroit, Delta Sky Club is your only option (unless you’re flying Lufthansa). Always connecting through Charlotte, North Carolina? You won’t find a United Club lounge. Select a card that gives you convenient lounge access along your normal travel routes.
3. How often will you visit a lounge? Airport lounge access doesn't come cheap. Annual fees for many of our picks range from $395 to $695 — and that’s usually less than what the lounge membership would cost. Make sure you’ll use the lounge benefits, and the card’s other perks, enough to justify the annual fee.
Can AmEx business cards access airport lounges?
A handful of American Express business cards offer airport lounge access. The Business Platinum Card® from American Express, for example, includes complimentary access to Centurion and Priority Pass lounges, along with a handful of other domestic and international lounges. A handful of co-branded AmEx business cards, including the Delta SkyMiles® Reserve Business American Express Card also offer lounge perks.
Notes from card issuers
To view rates and fees of The Business Platinum Card® from American Express, see this page.
To view rates and fees of the Delta SkyMiles® Reserve Business American Express Card, see this page.
Last updated on July 1, 2025
Methodology
NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn more about how we rate business credit cards.
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