Best Business Cards for Airport Lounge Access of 2026
Airport lounge perks have shifted dramatically, with visit limits and stricter guest policies across major programs. These business cards still deliver the best access — for you and whoever's traveling with you.
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>.
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>.
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question 1 of 4
What’s most important to you in a new business card?
1%-5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 5% total cash back on Lyft rides through 9/30/27. Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases.
Cashback
Intro offer
$750 Earn $750 when you spend $6,000 on purchases in the first three months after account opening.
Earn $750 when you spend $6,000 on purchases in the first three months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Complimentary three-month lnstacart+ membership.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Earn $750 when you spend $6,000 on purchases in the first three months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Complimentary three-month lnstacart+ membership.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Earn $750 when you spend $6,000 on purchases in the first three months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Complimentary three-month lnstacart+ membership.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
2x-5x Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account. Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel.
Miles
Intro offer
50,000 Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
Reports all card activity to consumer credit bureaus
Does not include lounge access or automatic elite status
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Receive up to a $120 credit for Global Entry or TSA PreCheck®
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
Reports all card activity to consumer credit bureaus
Does not include lounge access or automatic elite status
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Receive up to a $120 credit for Global Entry or TSA PreCheck®
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
Reports all card activity to consumer credit bureaus
Does not include lounge access or automatic elite status
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Receive up to a $120 credit for Global Entry or TSA PreCheck®
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
1x-5x Earn 5x total points on Lyft rides through 9/30/27. Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year, Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn.
Points
Intro offer
100,000 Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Earn 5x total points on Lyft rides through 9/30/27.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Earn 5x total points on Lyft rides through 9/30/27.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Earn 5x total points on Lyft rides through 9/30/27.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
2x-10x Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel, where you'll get the best prices on thousands of options. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions.
Miles
Intro offer
150,000 Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
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 Business Travel
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 Business Travel
Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating 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
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 Business Travel
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 Business Travel
Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating 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
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 Business Travel
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 Business Travel
Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating 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
Bonus rewards for qualifying Preferred Rewards for Business members
Cons
Requires excellent credit
Multiple accounts, high combined balance required to get Preferred Rewards bonus
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
No annual cap and cash rewards don’t expire as long as your account remains open.
No annual fee.
Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
New cardholder bonus offer
High rewards rate
Bonus rewards for qualifying Preferred Rewards for Business members
Cons
Requires excellent credit
Multiple accounts, high combined balance required to get Preferred Rewards bonus
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
No annual cap and cash rewards don’t expire as long as your account remains open.
No annual fee.
Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
New cardholder bonus offer
High rewards rate
Bonus rewards for qualifying Preferred Rewards for Business members
Cons
Requires excellent credit
Multiple accounts, high combined balance required to get Preferred Rewards bonus
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
No annual cap and cash rewards don’t expire as long as your account remains open.
No annual fee.
Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
1%-5% Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs). Earn 1% cash back on all other eligible purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Cashback
Intro offer
$750 Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer
Cons
Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement
Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer
Cons
Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement
Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer
Cons
Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement
Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
2%-5% Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$2,000 Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months and an additional $2,000 cash bonus for every $500K spent during the first year.
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For businesses that need large spending capacity and want to maximize cash back
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For businesses that need large spending capacity and want to maximize cash back
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For businesses that need large spending capacity and want to maximize cash back
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
Must have at least $25,000 in cash in any U.S. business bank account to qualify.
Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Pros
No annual fee or foreign transaction fees
No personal guarantee or credit check
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
Must have at least $25,000 in cash in any U.S. business bank account to qualify.
Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Pros
No annual fee or foreign transaction fees
No personal guarantee or credit check
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
Must have at least $25,000 in cash in any U.S. business bank account to qualify.
Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
1x-7x Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions. Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Points
Intro offer
10,000 Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
Credit limits 10-20x higher than traditional small business corporate cards.
Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Pros
No annual fee or foreign transaction fees
New cardholder bonus offer
No personal guarantee
Card-level spending controls
Cons
Complicated rewards structure
High capital requirement for approval
Daily repayment may be required
Not available to sole proprietors
Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
Credit limits 10-20x higher than traditional small business corporate cards.
Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Pros
No annual fee or foreign transaction fees
New cardholder bonus offer
No personal guarantee
Card-level spending controls
Cons
Complicated rewards structure
High capital requirement for approval
Daily repayment may be required
Not available to sole proprietors
Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
Credit limits 10-20x higher than traditional small business corporate cards.
Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
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>.
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>.
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Best business cards for airport lounge access
Here are our complete picks, in alphabetical order:
Capital One Venture X Business: Best overall airport lounge access value.
Citi® / AAdvantage® Executive World Elite Mastercard®: Best for personal card with American Airlines Admirals Club membership.
Delta SkyMiles® Reserve Business American Express Card: Best for Delta frequent flyers.
Sapphire Reserve for Business℠: Best for free guest lounge access.
The Business Platinum Card® from American Express: Best for largest global lounge network.
United℠ Business Card: Best for occasional United Club visits.
United Club℠ Business Card: Best for United Club membership.
U.S. Bank Business Altitude® Connect Visa Signature® Card: Best for low-cost, limited lounge access.
You can apply for the cards highlighted below via NerdWallet's partners. Those relationships do not influence our editorial team's selections. Our small-business writers and editors chose the best business credit cards based on their independent research and ratings.
2x-10xEarn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel, where you'll get the best prices on thousands of options. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions.
Miles
150,000Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
You get access to Capital One Lounges and Landings — seven locations and counting. Plus the primary cardholder and up to two guests get complimentary access to participating Priority Pass lounges (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 Business Travel
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 Business Travel
Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating 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
1x-5x5X points on flights and prepaid hotels on AmexTravel.com. 2X points on purchases at U.S. 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. Terms Apply.
Points
As High As 300,000 Points. Find Out Your Offer.You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Terms apply.
Annual statement credit for travel, business expenses
New cardholder bonus offer
Cons
High annual fee
Low ongoing rewards rate
A Business Platinum card unlocks the largest airport lounge network of any business card. It spans more than 1,550 lounges across 140+ countries, including Centurion Lounges, Priority Pass Select, Delta Sky Club, Escape Lounges and Plaza Premium Lounges.
As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
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. Gift cards are not an eligible purchase. Benefit 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.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
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.
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.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
2X points on purchases at U.S. 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.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
Terms Apply.
Delta SkyMiles® Reserve Business American Express Card
1x-3xAfter you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X). Plus enjoy 3X miles per dollar on all eligible Delta purchases. Terms Apply.
Miles
80,000Welcome Offer: Earn 80,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
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). For Delta flights you purchase with your card, you can access Centurion and Escape Lounges too.
Welcome Offer: Earn 80,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership.
Delta SkyMiles® Reserve Business 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.
Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main 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. Delta Basic experiences are not eligible for this benefit.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card. Enrollment required.
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. Enrollment required.
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 group 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.
1.5x-5x7x 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.
Miles
100,000 Miles + 2,000 PQPEarn 100,000 bonus miles + 2,000 Premier qualifying points after you spend $5,000 on purchases in the first 3 months your account is open.
Get access to more than 45 United Club lounges. Your United Club membership includes guest access for one adult per visit, plus dependent children (under 18). Spend $50,000 annually and you’ll get United Club All Access membership, which unlocks more lounges and guest benefits.
Earn 100,000 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 10,000 bonus miles after you add an employee card to your account in the first 3 months your account is open.
United Club℠ membership - at least 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.
1x-8xEarn 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. Earn 1x points on all other purchases.
Points
150,000Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
Statement credit for Global Entry, TSA PreCheck® or NEXUS
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 also bring two guests. 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 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
$6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
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.
Member FDIC
U.S. Bank Business Altitude® Connect Visa Signature® Card
1x-5xEarn 5X points on prepaid hotels and car rentals booked directly in the Travel Center when using your card. Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs). Earn 2X points on dining, takeout, restaurant delivery and cell service providers. Earn 1X points on all other eligible spend.
Points
75,000Earn 75,000 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
Activity on employee cards does not count toward bonus spending requirement
For a low annual fee, this card includes up to four free Priority Pass visits per year. These can be used by the cardholder and an accompanying guest.
Earn 75,000 bonus points if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
Earn 5X points on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
Earn 1X points on all other eligible spend.
Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
$0 intro annual fee for the first year, $95 per year thereafter.
Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
Terms and conditions apply.
Citi® / AAdvantage® Executive World Elite Mastercard®
American Airlines Admirals Club membership (personal card)
This is a personal card, not a business card. But it is the only card that offers full access to American Airlines Admirals Club lounges. You can bring immediate family members or up to two guests, too.
Earn 70,000 American Airlines AAdvantage® bonus miles after $7,000 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
2x-10x Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel, where you'll get the best prices on thousands of options. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions.
Miles
Intro offer
150,000 Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
You get access to Capital One Lounges and Landings — seven locations and counting. Plus the primary cardholder and up to two guests get complimentary access to participating Priority Pass lounges (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 Business Travel
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 Business Travel
Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating 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
1x-5x 5X points on flights and prepaid hotels on AmexTravel.com. 2X points on purchases at U.S. 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. Terms Apply.
Points
Intro offer
As High As 300,000 Points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Terms apply.
Annual statement credit for travel, business expenses
New cardholder bonus offer
Cons
High annual fee
Low ongoing rewards rate
A Business Platinum card unlocks the largest airport lounge network of any business card. It spans more than 1,550 lounges across 140+ countries, including Centurion Lounges, Priority Pass Select, Delta Sky Club, Escape Lounges and Plaza Premium Lounges.
As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
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. Gift cards are not an eligible purchase. Benefit 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.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
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.
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.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
2X points on purchases at U.S. 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.
5X points on flights and prepaid hotels on AmexTravel.com
1x-3x After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X). Plus enjoy 3X miles per dollar on all eligible Delta purchases. Terms Apply.
Miles
Intro offer
80,000 Welcome Offer: Earn 80,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
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). For Delta flights you purchase with your card, you can access Centurion and Escape Lounges too.
Welcome Offer: Earn 80,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership.
Delta SkyMiles® Reserve Business 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.
Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main 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. Delta Basic experiences are not eligible for this benefit.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card. Enrollment required.
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. Enrollment required.
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 group 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.
1.5x-5x 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.
Miles
Intro offer
100,000 Miles + 2,000 PQP Earn 100,000 bonus miles + 2,000 Premier qualifying points after you spend $5,000 on purchases in the first 3 months your account is open.
Get access to more than 45 United Club lounges. Your United Club membership includes guest access for one adult per visit, plus dependent children (under 18). Spend $50,000 annually and you’ll get United Club All Access membership, which unlocks more lounges and guest benefits.
Earn 100,000 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 10,000 bonus miles after you add an employee card to your account in the first 3 months your account is open.
United Club℠ membership - at least 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.
1x-8x 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. Earn 1x points on all other purchases.
Points
Intro offer
150,000 Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
Statement credit for Global Entry, TSA PreCheck® or NEXUS
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 also bring two guests. 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 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
$6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
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.
1x-5x Earn 5X points on prepaid hotels and car rentals booked directly in the Travel Center when using your card. Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs). Earn 2X points on dining, takeout, restaurant delivery and cell service providers. Earn 1X points on all other eligible spend.
Points
Intro offer
75,000 Earn 75,000 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
Earn 75,000 bonus points if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
Earn 5X points on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
Earn 1X points on all other eligible spend.
Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
$0 intro annual fee for the first year, $95 per year thereafter.
Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
This is a personal card, not a business card. But it is the only card that offers full access to American Airlines Admirals Club lounges. You can bring immediate family members or up to two guests, too.
2x-10x Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel, where you'll get the best prices on thousands of options. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions.
Miles
Intro offer
150,000 Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
You get access to Capital One Lounges and Landings — seven locations and counting. Plus the primary cardholder and up to two guests get complimentary access to participating Priority Pass lounges (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 Business Travel
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 Business Travel
Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating 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
You get access to Capital One Lounges and Landings — seven locations and counting. Plus the primary cardholder and up to two guests get complimentary access to participating Priority Pass lounges (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 Business Travel
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 Business Travel
Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating 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
You get access to Capital One Lounges and Landings — seven locations and counting. Plus the primary cardholder and up to two guests get complimentary access to participating Priority Pass lounges (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 Business Travel
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 Business Travel
Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating 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
1x-5x 5X points on flights and prepaid hotels on AmexTravel.com. 2X points on purchases at U.S. 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. Terms Apply.
Points
Intro offer
As High As 300,000 Points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Terms apply.
Annual statement credit for travel, business expenses
New cardholder bonus offer
Cons
High annual fee
Low ongoing rewards rate
A Business Platinum card unlocks the largest airport lounge network of any business card. It spans more than 1,550 lounges across 140+ countries, including Centurion Lounges, Priority Pass Select, Delta Sky Club, Escape Lounges and Plaza Premium Lounges.
As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
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. Gift cards are not an eligible purchase. Benefit 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.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
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.
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.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
2X points on purchases at U.S. 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.
5X points on flights and prepaid hotels on AmexTravel.com
Annual statement credit for travel, business expenses
New cardholder bonus offer
Cons
High annual fee
Low ongoing rewards rate
A Business Platinum card unlocks the largest airport lounge network of any business card. It spans more than 1,550 lounges across 140+ countries, including Centurion Lounges, Priority Pass Select, Delta Sky Club, Escape Lounges and Plaza Premium Lounges.
As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
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. Gift cards are not an eligible purchase. Benefit 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.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
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.
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.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
2X points on purchases at U.S. 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.
5X points on flights and prepaid hotels on AmexTravel.com
Annual statement credit for travel, business expenses
New cardholder bonus offer
Cons
High annual fee
Low ongoing rewards rate
A Business Platinum card unlocks the largest airport lounge network of any business card. It spans more than 1,550 lounges across 140+ countries, including Centurion Lounges, Priority Pass Select, Delta Sky Club, Escape Lounges and Plaza Premium Lounges.
As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
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. Gift cards are not an eligible purchase. Benefit 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.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
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.
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.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
2X points on purchases at U.S. 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.
5X points on flights and prepaid hotels on AmexTravel.com
1x-3x After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X). Plus enjoy 3X miles per dollar on all eligible Delta purchases. Terms Apply.
Miles
Intro offer
80,000 Welcome Offer: Earn 80,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
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). For Delta flights you purchase with your card, you can access Centurion and Escape Lounges too.
Welcome Offer: Earn 80,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership.
Delta SkyMiles® Reserve Business 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.
Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main 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. Delta Basic experiences are not eligible for this benefit.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card. Enrollment required.
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. Enrollment required.
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 group 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). For Delta flights you purchase with your card, you can access Centurion and Escape Lounges too.
Welcome Offer: Earn 80,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership.
Delta SkyMiles® Reserve Business 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.
Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main 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. Delta Basic experiences are not eligible for this benefit.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card. Enrollment required.
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. Enrollment required.
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 group 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). For Delta flights you purchase with your card, you can access Centurion and Escape Lounges too.
Welcome Offer: Earn 80,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership.
Delta SkyMiles® Reserve Business 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.
Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main 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. Delta Basic experiences are not eligible for this benefit.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card. Enrollment required.
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. Enrollment required.
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 group 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.
1.5x-5x 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.
Miles
Intro offer
100,000 Miles + 2,000 PQP Earn 100,000 bonus miles + 2,000 Premier qualifying points after you spend $5,000 on purchases in the first 3 months your account is open.
Get access to more than 45 United Club lounges. Your United Club membership includes guest access for one adult per visit, plus dependent children (under 18). Spend $50,000 annually and you’ll get United Club All Access membership, which unlocks more lounges and guest benefits.
Earn 100,000 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 10,000 bonus miles after you add an employee card to your account in the first 3 months your account is open.
United Club℠ membership - at least 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.
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
Get access to more than 45 United Club lounges. Your United Club membership includes guest access for one adult per visit, plus dependent children (under 18). Spend $50,000 annually and you’ll get United Club All Access membership, which unlocks more lounges and guest benefits.
Earn 100,000 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 10,000 bonus miles after you add an employee card to your account in the first 3 months your account is open.
United Club℠ membership - at least 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.
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
Get access to more than 45 United Club lounges. Your United Club membership includes guest access for one adult per visit, plus dependent children (under 18). Spend $50,000 annually and you’ll get United Club All Access membership, which unlocks more lounges and guest benefits.
Earn 100,000 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 10,000 bonus miles after you add an employee card to your account in the first 3 months your account is open.
United Club℠ membership - at least 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.
1x-8x 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. Earn 1x points on all other purchases.
Points
Intro offer
150,000 Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
Statement credit for Global Entry, TSA PreCheck® or NEXUS
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 also bring two guests. 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 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
$6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
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.
Statement credit for Global Entry, TSA PreCheck® or NEXUS
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 also bring two guests. 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 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
$6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
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.
Statement credit for Global Entry, TSA PreCheck® or NEXUS
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 also bring two guests. 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 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
$6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
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.
1x-5x Earn 5X points on prepaid hotels and car rentals booked directly in the Travel Center when using your card. Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs). Earn 2X points on dining, takeout, restaurant delivery and cell service providers. Earn 1X points on all other eligible spend.
Points
Intro offer
75,000 Earn 75,000 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
Earn 75,000 bonus points if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
Earn 5X points on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
Earn 1X points on all other eligible spend.
Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
$0 intro annual fee for the first year, $95 per year thereafter.
Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
Earn 75,000 bonus points if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
Earn 5X points on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
Earn 1X points on all other eligible spend.
Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
$0 intro annual fee for the first year, $95 per year thereafter.
Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
Earn 75,000 bonus points if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
Earn 5X points on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
Earn 1X points on all other eligible spend.
Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
$0 intro annual fee for the first year, $95 per year thereafter.
Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
This is a personal card, not a business card. But it is the only card that offers full access to American Airlines Admirals Club lounges. You can bring immediate family members or up to two guests, too.
This is a personal card, not a business card. But it is the only card that offers full access to American Airlines Admirals Club lounges. You can bring immediate family members or up to two guests, too.
This is a personal card, not a business card. But it is the only card that offers full access to American Airlines Admirals Club lounges. You can bring immediate family members or up to two guests, too.
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.
This card includes two United Club passes per year. The primary cardholder or authorized users can use passes. You can also use a pass to have a guest accompany you to a lounge (no pass needed for 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.
Compare airport lounge access for business credit cards
Card
Annual fee
Lounge networks
Number of lounges
Annual visits
Capital One Venture X Business
$395
Capital One updated its lounge rules for multiple cards starting Feb. 1, 2026. Read our full breakdown.
Citi® / AAdvantage® Executive World Elite Mastercard®
$595
Admirals Club®.
OneWorld partner lounges (same day AA/OneWorld flight required.
100+
Unlimited.
Delta SkyMiles® Reserve Business American Express Card
$650
Delta Sky Club.
American Express Centurion® and Escape Lounges (same-day Delta flight required).
100+
Sky Club: 15 visits per year*.
Centurion® and Escape Lounges: Unlimited.
Sapphire Reserve for Business℠
$795
Chase Sapphire Lounges by The Club.
Priority Pass (participating locations).
Air Canada Maple Leaf Lounges.
1,300+
Unlimited.
The Business Platinum Card® from American Express
$895
United Club.
45+
2 passes per year.
United℠ Business Card
$150
United Club**.
45+
Unlimited.
United Club℠ Business Card
$695
American Express Centurion and Escape Lounges.
International American Express Lounges.
Priority Pass.
Delta Sky Club and Lufthansa Lounges (when flying with that airline).
1,550+
Sky Club: 10 visits per year.
American Express Lounges: Unlimited.
Priority Pass: Unlimited.
U.S. Bank Business Altitude® Connect Visa Signature® Card
$0 intro for the first year, then $95
Priority Pass.
1,600+
4 visits per year.
* Spend $75,000 on the card per year to get an unlimited number of visits. ** Spend $50,000 on the card per year or reach Premier Gold status to receive United Club All Access membership. Includes Star Alliance partner lounges and additional complimentary guest access.
How we chose the best business cards for airport lounge access
Our editorial team evaluated more than 70 business cards for 2026. We rate those cards on rewards and perks, including airport lounge access.
To select the best business cards for airport lounge access, we looked at:
Annual fee.
Number of lounges.
Included annual visits.
Access for authorized users/employees.
Guest access policies.
Business cards needed to have either a robust lounge network or a generous annual visit policy (ideally both) to make this list. Additionally, they need to earn at least 4.5 stars.
Business cards that earn 5 stars are considered exceptional. These cards are best-in-class and deliver the most value for the greatest number of business owners.
Business cards that earn 4.0 to 4.9 stars are good to excellent. They deliver excellent value and might be the best choice for certain businesses, depending on your needs and spending habits.
Business cards that earn 3.0 to 3.9 stars are fine business cards. You'll get some value out of using them, to be sure, but there are other cards that offer better rewards.
Business cards that earn below 3 stars are considered subpar and would generally not be recommended by NerdWallet.
What’s new with airport lounge access?
Airport lounge benefits have been on the chopping block in recent years. Card issuers have scaled back guest access, capped annual visits and, in some cases, removed lounge access entirely. The reason: overcrowding and long wait times at lounges.
Here’s a rundown of the most notable changes to business card lounge access in recent years:
Capital One Venture X Business (February 2026):Capital One nixed free lounge access for guests at Capital One Lounges and Landings. Priority Pass guest access did not change.
Business card holders get complimentary guest access to Capital One lounges if they spend at least $75,000 annually. Primary cardholders can also purchase lounge access for up to four authorized users ($125 per year, per user). This includes Priority Pass memberships with guest access. Previously, authorized users did not get complimentary lounge access.
United Club℠ Business Card (March 2025): United Club cardholders lost access to Star Alliance lounges — more than 1,000 locations — when United split membership into two tiers: standard and All Access. Cardholders now need to spend $50,000 annually or reach Premier Gold status to get United Club All Access membership, which includes Star Alliance lounges and additional guest access.
Delta SkyMiles® Reserve Business American Express Card (February 2025): Delta Airlines cut unlimited Sky Club access for SkyMiles Reserve cardholders. SkyMiles Reserve now gets you just 15 visits per year. You need to spend $75,000 annually to get back to unlimited visits.
Access was cut for The Business Platinum Card® from American Express, too. Instead of unlimited access, the Business Platinum card gets 10 Sky Club visits per year.
Capital One Spark Miles for Business(January 2025): Cardholders used to get two free passes good at Capital One or Plaza Premium lounges. That ended Jan. 1, 2025.
Delta SkyMiles® Platinum Business American Express Card(February 2024):Cardholders lost access to Sky Club lounges effective Feb. 1, 2024.
The Business Platinum Card® from American Express (February 2023): AmEx removed free guest access at Centurion Lounges for Business Platinum cardholders. You must now pay a fee for each guest visit ($50 per adult, $30 per minor).
Which business credit cards offer airport lounge guest access?
Most business credit cards limit lounge access to the primary cardholder. The benefit rarely extends to employee cards or authorized users without paying an additional annual fee.
That fee is considerably less than a standalone lounge membership. And it grants those cardholders full lounge access, including the ability to bring guests when allowed.
But free guest access is a rare perk these days. Policies vary widely between cards and lounge networks.
Card
Access for authorized users
Complimentary guest access
Capital One Venture X Business
Capital One updated its lounge rules for multiple cards starting Feb. 1, 2026. Read our full breakdown.
Citi® / AAdvantage® Executive World Elite Mastercard®
Yes.
Some restrictions apply.
Admirals Club®: Immediate family (spouse/domestic partner and children under 18) OR up to two guests free.
Delta SkyMiles® Reserve Business American Express Card
Additional cardholders are each $175 per year.
Delta Sky Club: Four guest passes per year.
Centurion Lounges: No guest access included.
Sapphire Reserve for Business℠
No.
Sapphire Lounges: Two free guests per visit.
Priority Pass: Two free guests per visit.
Maple Leaf Lounges: One free guest (when flying Star Alliance).
The Business Platinum Card® from American Express
Yes.
United Club (passes only): No guest access included.
United℠ Business Card
No.
United Club: One adult guest and dependent children (under 18).
United Club All Access: Two adult guests OR one adult guest and dependent children (under 18).
United Club℠ Business Card
Additional Business Platinum cards are $400 per year.
Centurion Lounges: No guest access included**.
Escape Lounges: Two free guests per visit.
Priority Pass: Two free guests per visit.
Plaza Premium: Two free guests per visit.
Sky Club: No guest access included.
U.S. Bank Business Altitude® Connect Visa Signature® Card
No.
Priority Pass: Total of four passes per year, which can be used by the cardholder or guest.
*Cardholders who spend at least $75,000 annually receive two free guests per visit at Capital One Lounges and one free guest per visit at Capital One Landings.
**Effective July 8, 2026: Cardholders who spend at least $75,000 annually receive complimentary guest access (up to two guests per visit) at Centurion Lounge and Sidecar by Centurion Lounge locations. Guests must be traveling on the same flight.
***Spend $50,000 on the card per year or reach Premier Gold status to receive United Club All Access membership.
How to choose a business card for airport lounge access
There are only a handful of business travel cards with airport lounge access. To choose among them, 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 Business Travel (you’ll get 5 miles per $1).
2. What routes do you fly?
Lounge coverage varies widely by airport. You won’t find a United Club at Charlotte Douglas International Airport, for example. And there’s not a single Priority Pass lounge at Reagan National Airport in Washington, DC.
Marquee lounges for popular cards are sparse, too. There are currently just seven Capital One Lounge locations open and only six Chase Sapphire Lounges.
Keep in mind: Lounge amenities can vary widely. That’s especially true among large networks like Priority Pass. Some offer full meals and private meeting rooms. Others offer snacks and coffee.
Airport lounge access doesn't come cheap. Annual fees for many of our picks range from $395 to $895 — 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.
4. Do you need access for guests?
Some cards let you bring guests into the lounge for free — others don't. For instance, the Chase Sapphire Reserve for Business and Citi AAdvantage Executive both include up to two free guests per visit. That makes a real difference if you regularly travel with clients or colleagues. On the other hand, Capital One Venture X Business removed free guest access entirely in February 2026 unless you spend $75,000 annually on your card.
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 March 16, 2026
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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