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.

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Capital One Venture X Business

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Capital One Venture X Business

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Ink Business Preferred® Credit Card

Annual fee
$95

Rewards rate
1x-3x

Points

Intro offer
90,000

Points

on Chase's website

Ink Business Preferred® Credit Card

Annual fee
$95

Rewards rate
1x-3x

Points

Intro offer
90,000

Points

on Chase's website

Capital One Spark Miles for Business

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Capital One Spark Miles for Business

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Best of awards Nerdwallet's badge 2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$750

on Chase's website

Best of awards Nerdwallet's badge

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$750

on Chase's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

Ink Business Cash® Credit Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

Ink Business Cash® Credit Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

U.S. Bank Triple Cash Rewards Visa® Business Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

U.S. Bank Triple Cash Rewards Visa® Business Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

Capital One Spark Cash Plus

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Capital One Spark Cash Plus

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Capital One Spark Cash

Annual fee
$0 intro for the first year, then $95

Rewards rate
2%-5%

Cashback

Intro offer
$1,500

on Capital One's website

Capital One Spark Cash

Annual fee
$0 intro for the first year, then $95

Rewards rate
2%-5%

Cashback

Intro offer
$1,500

on Capital One's website

Ramp Card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

Ramp Card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

Brex Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

Brex Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

BILL Divvy Corporate Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

BILL Divvy Corporate Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

Capital on Tap Business Credit Card

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

Capital on Tap Business Credit Card

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

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Here are the best business credit cards for airport lounge access

Capital One Venture X Business

Best for Overall airport lounge access

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Capital One Venture X Business

Best for Overall airport lounge access

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

The Business Platinum Card® from American Express

Best for Centurion lounge access

Annual fee
$695

Rewards rate
1x-5x

Points

Intro offer
150,000

Points

on American Express' website

The Business Platinum Card® from American Express

Best for Centurion lounge access

Annual fee
$695

Rewards rate
1x-5x

Points

Intro offer
150,000

Points

on American Express' website

Delta SkyMiles® Reserve Business American Express Card

Best for Delta frequent flyers

Annual fee
$650

Rewards rate
1x-3x

Miles

Intro offer
80,000

Miles

on American Express' website

Delta SkyMiles® Reserve Business American Express Card

Best for Delta frequent flyers

Annual fee
$650

Rewards rate
1x-3x

Miles

Intro offer
80,000

Miles

on American Express' website

United Club℠ Business Card

Best for United Club membership

Annual fee
$695

Rewards rate
1.5x-2x

Miles

Intro offer
80,000

Miles

United Club℠ Business Card

Best for United Club membership

Annual fee
$695

Rewards rate
1.5x-2x

Miles

Intro offer
80,000

Miles

Sapphire Reserve for Business℠

Best for Free airport lounge guest access

Annual fee
$795

Rewards rate
1x-8x

Points

Intro offer
200,000

Points

on Chase's website

Sapphire Reserve for Business℠

Best for Free airport lounge guest access

Annual fee
$795

Rewards rate
1x-8x

Points

Intro offer
200,000

Points

on Chase's website

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 17, 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.