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Best Business Cards for Airport Lounge Access of March 2024

By Kelsey Sheehy
Last updated on February 16, 2024
Edited byRyan Lane
Fact checked and reviewed

⏰ Estimated read time: 7 minutes

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Business owners who spend more time in an airport than an office can leverage their business credit card to access airport lounges. With amenities like free food, drinks and Wi-Fi — along with phone rooms, semi-private workspaces and conference rooms — lounges can make your travel more comfortable and productive.
Several business credit cards include airport lounge access, but the extent of that benefit varies widely. One card may unlock thousands of lounges across the globe, while another may include a few free visits each year. Unsurprisingly, the former tends to come with a heftier annual fee than the latter.
Factor that cost against the value of the card’s overall rewards, while making sure the lounge perk lines up with your typical travel routes. And don’t forget to look at extras, like free checked bags and airline credits. That will help you find the best overall travel business credit card for you.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Business owners who spend more time in an airport than an office can leverage their business credit card to access airport lounges. With amenities like free food, drinks and Wi-Fi — along with phone rooms, semi-private workspaces and conference rooms — lounges can make your travel more comfortable and productive.
Several business credit cards include airport lounge access, but the extent of that benefit varies widely. One card may unlock thousands of lounges across the globe, while another may include a few free visits each year. Unsurprisingly, the former tends to come with a heftier annual fee than the latter.
Factor that cost against the value of the card’s overall rewards, while making sure the lounge perk lines up with your typical travel routes. And don’t forget to look at extras, like free checked bags and airline credits. That will help you find the best overall travel business credit card for you.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

Here are the best business credit cards for airport lounge access from our partners

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Overall airport lounge access

$695

1x-5x

Points

120,000

Points

Apply now

on American Express' website

Rates & Fees

Delta SkyMiles® Reserve Business American Express Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Delta frequent flyers

$650

1x-3x

Miles

110,000

Miles

Apply now

on American Express' website

Rates & Fees

United Club℠ Business Card

5.0/5

Best for United Club membership

$450

1.5x-2x

Miles

75,000

Miles

The Hilton Honors American Express Business Card

Apply now

on American Express' website

Rates & Fees

4.9/5

Best for Occasional Priority Pass access (10 visits per year)

$95

3x-12x

Points

130,000

Points

Apply now

on American Express' website

Rates & Fees

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Overall airport lounge access

$695

1x-5x

Points

120,000

Points

Apply now

on American Express' website

Rates & Fees

Delta SkyMiles® Reserve Business American Express Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Delta frequent flyers

$650

1x-3x

Miles

110,000

Miles

Apply now

on American Express' website

Rates & Fees

United Club℠ Business Card

5.0/5

Best for United Club membership

$450

1.5x-2x

Miles

75,000

Miles

The Hilton Honors American Express Business Card

Apply now

on American Express' website

Rates & Fees

4.9/5

Best for Occasional Priority Pass access (10 visits per year)

$95

3x-12x

Points

130,000

Points

Apply now

on American Express' website

Rates & Fees

I'M INTERESTED IN:

Our pick for

Overall airport lounge access

The Business Platinum Card® from American Express

Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points
This card unlocks more than a thousand airport lounges, including Centurion, Priority Pass and Delta Sky Clubs (when flying Delta).

The Business Platinum Card® from American Express

NerdWallet rating 

5.0/5
Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points

Our pick for

Delta frequent flyers

Delta SkyMiles® Reserve Business American Express Card

Apply now

on American Express' website

Annual fee
$650
Rewards rate
1x-3x Miles
Intro offer
110,000 Miles
Cardholders get access to more than 50 Delta Sky Club lounges (with four one-time guest passes each year), as well as Centurion and Escape Lounges if you purchase a Delta flight with your card.

Delta SkyMiles® Reserve Business American Express Card

NerdWallet rating 

5.0/5
Apply now

on American Express' website

Annual fee
$650
Rewards rate
1x-3x Miles
Intro offer
110,000 Miles

Our pick for

United Club membership

United Club℠ Business Card

Annual fee
$450
Rewards rate
1.5x-2x Miles
Intro offer
75,000 Miles
Business travelers and up to two adult guests, or one adult and dependent children (under 21), can visit any of the more than 45 United Club lounges, as well as partner lounges, when traveling on United, Star Alliance™ or another partner-operated flight.

United Club℠ Business Card

NerdWallet rating 

5.0/5
Annual fee
$450
Rewards rate
1.5x-2x Miles
Intro offer
75,000 Miles

Our pick for

Occasional Priority Pass access (10 visits per year)

The Hilton Honors American Express Business Card

Apply now

on American Express' website

Annual fee
$95
Rewards rate
3x-12x Points
Intro offer
130,000 Points
Up to 10 free Priority Pass lounge visits per year, plus a big welcome offer, makes this card a bargain considering its low annual fee.

The Hilton Honors American Express Business Card

NerdWallet rating 

4.9/5
Apply now

on American Express' website

Annual fee
$95
Rewards rate
3x-12x Points
Intro offer
130,000 Points

NerdWallet’s editorial picks: Best business cards for airport lounge access

Best for overall airport lounge access
A five-star option for business travelers,
The Business Platinum Card® from American Express
opens the door to more than 1,400 lounges across 140 countries, including American Express Centurion lounges, as well as International American Express lounges and Priority Pass. Cardholders also get complimentary access to Delta Sky Club and Lufthansa lounges, when flying with the respective airlines. The AmEx Business Platinum card has other perks, too, including statement credits, automatic elite status and a generous welcome bonus. All this comes at a price, though. Namely, a $
695
annual fee. If you use all of the cards’ rich benefits, though, the card pays for itself and then some.
Best for Delta frequent flyers
Delta loyalists can gain access to some of the same lounges available through the AmEx Business Platinum with a few caveats. The
Delta SkyMiles® Reserve Business American Express Card
($
650
annual fee) includes access to Centurion lounges and Delta’s own Sky Clubs, but only when flying Delta. Other travel-friendly perks include priority boarding, complimentary seat upgrades and an annual companion certificate. Terms apply.
Best for United Club membership
The
United Club℠ Business Card
’s most notable perk is the included United Club membership, which covers more than 45 United Club lounges and more than 1,000 Star Alliance-affiliated lounges (terms apply). Traveling with guests? United Club lounges allow you to bring along up to two adult guests, or one adult and any dependent children under the age of 21. Other popular lounges, like Sky Club and Centurion, charge for any guests that accompany members into a lounge. The United Club Business Card has a $
450
annual fee.
Best for occasional Priority Pass access (10 visits per year)
Don’t fly enough to justify a sky-high annual fee but want to enjoy an airport lounge every now and then? The
The Hilton Honors American Express Business Card
might hit the sweet spot, with an annual fee of just $
95
and a package of perks that includes 10 complimentary Priority Pass lounge visits each year and automatic Hilton Honors Gold status, which gets you room upgrades, free breakfast and a points boost on Hilton stays. There’s also a sweet welcome offer:
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Terms Apply.
Just keep in mind that points earned with the Hilton Honors business card are most valuable when redeemed for free nights at one of the brand’s many properties (there are more than 7,000).

Other business cards with lounge access to consider

The following cards offer limited airport lounge access:
Capital One Spark Miles for Business
: Includes two visits per year to Capital One Lounges. There is currently only one Capital One Lounge, in the Dallas Fort Worth International Airport (Terminal D), with two additional locations slated to open at Denver International Airport and Dulles International Airport as of this writing.
United℠ Business Card
: Includes two United Club passes per year. Passes don't include guests (except children under 2). There are more than 45 United Club lounges, including in a handful of popular international destinations, such as London Heathrow and Hong Kong International Airport.
U.S. Bank Business Altitude Connect World Elite Mastercard: Includes up to four free Priority Pass visits per year for the cardholder and one additional guest per visit. There are more than 1,400 Priority Pass lounges and experiences around the world.
There are also several personal travel cards that offer airport lounge access, which can be an option for sole proprietors or business owners who don’t need employee cards. Lounge benefits and annual fees are pretty similar between personal and business cards, but welcome offers and other rewards categories may differ slightly.
If you opt to use a personal card, it’s smart to keep it exclusively for business purchases. Commingling business and personal expenses can complicate bookkeeping and tax filing.

Compare airport lounge access for business credit cards

Business card
Lounge access
The Business Platinum Card® from American Express
American Express Centurion and Escape Lounges, International American Express Lounges, Priority Pass Select, and Delta Sky Club and Lufthansa Lounges (when flying with that airline).
Delta SkyMiles® Reserve Business American Express Card
Delta Sky Club and American Express Centurion® and Escape Lounges, when flying on a Delta ticket purchased with the card.
United Club℠ Business Card
United Club and participating Star Alliance lounges.
The Hilton Honors American Express Business Card
Priority Pass (up to 10 visits per year).
Capital One Spark Miles for Business
Capital One Lounges (up to two visits per year).
United℠ Business Card
United Club (up to two visits per year).
U.S. Bank Business AltitudeTM Connect World Elite Mastercard®
Priority Pass (up to four visits per year).

How to choose a business card for airport lounge access

Seeking out a business credit card for airport lounge benefits narrows your options of business travel cards to a handful. But how do you choose from there? Ask yourself three 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.
The Business Platinum Card® from American Express
, 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 AmEx’s travel portal (you’ll get 5 points per $1).
2. What routes do you fly? Most major travel hubs have multiple airport lounges in each terminal, making it easy to pop into one on a layover. But some airports have limited options. In Detroit, Delta Sky Club is your only option (unless you’re flying Lufthansa). Always connecting through Charlotte, North Carolina? You won’t find a United Club lounge. Select a card that gives you convenient lounge access along your normal travel routes.
3. How often will you visit a lounge? Airport lounge access doesn't come cheap. Annual fees for many of our picks range from $
450
to $
695
— and that’s usually less than what the lounge membership would cost. Make sure you’ll use the lounge benefits, and the card’s other perks, enough to justify the annual fee.

Can AmEx business cards access airport lounges?

A handful of American Express business cards offer airport lounge access.
The Business Platinum Card® from American Express
, for example, includes complimentary access to Centurion and Priority Pass lounges, along with a handful of other domestic and international lounges. Several co-branded AmEx business cards, including the
The Hilton Honors American Express Business Card
and the
Delta SkyMiles® Reserve Business American Express Card
also offer lounge perks.
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.
To view rates and fees of
The Hilton Honors American Express Business Card
, see this page.
Last updated on February 16, 2024

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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