Best Business Cards for Airport Lounge Access of June 2025

Best Business Cards for Airport Lounge Access

Credit card	Best for	NerdWallet rating	Annual fee	Rewards rate	Intro offer	Learn more
Capital One Venture X Business Apply now on Capital One's website Rates & Fees	Overall airport lounge access	4.9 /5	$395	2x-10x Miles	150000	Apply now on Capital One's website Rates & Fees
Pros High rewards rate New cardholder bonus offer Priority Pass lounge membership Annual travel credit, bonus points Statement credit for Global Entry, TSA PreCheck® Cons High annual fee Requires excellent credit Balance must be paid in full every month

The Business Platinum Card® from American Express Apply now on American Express' website Rates & Fees	Centurion lounge access	4.5 /5	$695	1x-5x Points	150,000 Points	Apply now on American Express' website Rates & Fees
Pros Lounge membership Transfer partners Automatic elite status Annual statement credit for travel, business expenses New cardholder bonus offer Cons High annual fee Low ongoing rewards rate

Delta SkyMiles® Reserve Business American Express Card Apply now on American Express' website Rates & Fees	Delta frequent flyers	5.0 /5	$650	1x-3x Miles	110,000 Miles	Apply now on American Express' website Rates & Fees
Pros High rewards rate New cardholder bonus offer Generous free checked bag benefit SkyClub and Centurion Lounge membership (terms apply) Companion pass benefit Cons High annual fee Limited reward redemption options

United Club℠ Business Card Read review	United Club membership	4.9 /5	$695	1.5x-2x Miles	125,000 Miles	Read review
Pros High rewards rate Lounge membership New cardholder bonus offer Free checked bag Cons High annual fee Rewards have limited flexibility Does not include automatic elite status

Credit card	Best for	NerdWallet rating	Annual fee	Rewards rate	Intro offer	Learn more
Capital One Venture X Business Apply now on Capital One's website Rates & Fees	Overall airport lounge access	4.9 /5	$395	2x-10x Miles	150000	Apply now on Capital One's website Rates & Fees
The Business Platinum Card® from American Express Apply now on American Express' website Rates & Fees	Centurion lounge access	4.5 /5	$695	1x-5x Points	150,000 Points	Apply now on American Express' website Rates & Fees
Delta SkyMiles® Reserve Business American Express Card Apply now on American Express' website Rates & Fees	Delta frequent flyers	5.0 /5	$650	1x-3x Miles	110,000 Miles	Apply now on American Express' website Rates & Fees
United Club℠ Business Card Read review	United Club membership	4.9 /5	$695	1.5x-2x Miles	125,000 Miles	Read review

Here are the best business credit cards for airport lounge access

Capital One Venture X Business

4.9

Best for Overall airport lounge access

Annual fee

$395

Rewards rate

2x-10x

Miles

Intro offer

150000

Offer ending soon

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
New cardholder bonus offer
Priority Pass lounge membership
Annual travel credit, bonus points
Statement credit for Global Entry, TSA PreCheck®

Cons

High annual fee
Requires excellent credit
Balance must be paid in full every month

Capital One Venture X Business

Best for Overall airport lounge access

4.9

Annual fee

$395

Rewards rate

2x-10x

Miles

Intro offer

150000

Offer ending soon

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
New cardholder bonus offer
Priority Pass lounge membership
Annual travel credit, bonus points
Statement credit for Global Entry, TSA PreCheck®

Cons

High annual fee
Requires excellent credit
Balance must be paid in full every month

The Business Platinum Card® from American Express

4.5

Best for Centurion lounge access

Annual fee

$695

Rewards rate

1x-5x

Points

Intro offer

150,000

Points

Apply now

on American Express' website

Rates & Fees

Pros

Lounge membership
Transfer partners
Automatic elite status
Annual statement credit for travel, business expenses
New cardholder bonus offer

Cons

High annual fee
Low ongoing rewards rate

Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
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 $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.
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.
NEW! 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.
Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other 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.
$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®.
$695 Annual Fee.
Terms Apply.

Rates & Fees

The Business Platinum Card® from American Express

Best for Centurion lounge access

4.5

Annual fee

$695

Rewards rate

1x-5x

Points

Intro offer

150,000

Points

Apply now

on American Express' website

Rates & Fees

Pros

Lounge membership
Transfer partners
Automatic elite status
Annual statement credit for travel, business expenses
New cardholder bonus offer

Cons

High annual fee
Low ongoing rewards rate

Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
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 $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.
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.
NEW! 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.
Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other 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.
$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®.
$695 Annual Fee.
Terms Apply.

Rates & Fees

Delta SkyMiles® Reserve Business American Express Card

5.0

Best for Delta frequent flyers

Annual fee

$650

Rewards rate

1x-3x

Miles

Intro offer

110,000

Miles

Apply now

on American Express' website

Rates & Fees

Pros

High rewards rate
New cardholder bonus offer
Generous free checked bag benefit
SkyClub and Centurion Lounge membership (terms apply)
Companion pass benefit

Cons

High annual fee
Limited reward redemption options

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.
Terms and limitations apply.

Rates & Fees

Delta SkyMiles® Reserve Business American Express Card

Best for Delta frequent flyers

5.0

Annual fee

$650

Rewards rate

1x-3x

Miles

Intro offer

110,000

Miles

Apply now

on American Express' website

Rates & Fees

Pros

High rewards rate
New cardholder bonus offer
Generous free checked bag benefit
SkyClub and Centurion Lounge membership (terms apply)
Companion pass benefit

Cons

High annual fee
Limited reward redemption options

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.
Terms and limitations apply.

Rates & Fees

United Club℠ Business Card

4.9

Best for United Club membership

Annual fee

$695

Rewards rate

1.5x-2x

Miles

Intro offer

125,000

Miles

Read Review

Pros

High rewards rate
Lounge membership
New cardholder bonus offer
Free checked bag

Cons

High annual fee
Rewards have limited flexibility
Does not include automatic elite status

United Club℠ Business Card

Best for United Club membership

4.9

Annual fee

$695

Rewards rate

1.5x-2x

Miles

Intro offer

125,000

Miles

Read Review

Pros

High rewards rate
Lounge membership
New cardholder bonus offer
Free checked bag

Cons

High annual fee
Rewards have limited flexibility
Does not include automatic elite status

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).
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 June 10, 2025

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Kelsey Sheehy

Senior writer | Small business, personal finance

Kelsey Sheehy is a senior writer and NerdWallet authority on small business. She started at NerdWallet in 2015 and spent six years as a personal finance writer and spokesperson before switching gears to cover the financial decisions and challenges faced by small-business owners. Kelsey’s work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the "Today" show, NBC News and ABC’s "World News Tonight" and has been quoted by the Los Angeles Times, CNBC, American Banker, NPR and Vice, among other publications. Prior to joining NerdWallet, Kelsey covered college (and how to pay for it) for U.S. News & World Report. She is based in Washington, D.C.