Best Business Cards for Airport Lounge Access of November 2025

Some business credit cards unlock thousands of airport lounges across the globe. Others include a few annual visits. Factor lounge access against a card’s total rewards — and costs — to find the right fit.

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Capital One Spark Miles for Business

4.7

Read expert review

Annual fee

$0 intro for the first year, then $95

Rewards rate

2x-5x

Miles

Intro offer

50,000

Miles

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
New cardholder bonus offer
No reward caps
Statement credit for Global Entry, TSA PreCheck®
Annual fee waived for first year

Cons

Reports all card activity to consumer credit bureaus
Does not include lounge access or automatic elite status

Capital One Spark Miles for Business

4.7

Read expert review

Annual fee

$0 intro for the first year, then $95

Rewards rate

2x-5x

Miles

Intro offer

50,000

Miles

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
New cardholder bonus offer
No reward caps
Statement credit for Global Entry, TSA PreCheck®
Annual fee waived for first year

Cons

Reports all card activity to consumer credit bureaus
Does not include lounge access or automatic elite status

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

4.5

Read expert review

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$500

Apply now

on U.S. Bank's website

Rates & Fees

Pros

High cash-back bonus rate
No cap on bonus rewards
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

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

4.5

Read expert review

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$500

Apply now

on U.S. Bank's website

Rates & Fees

Pros

High cash-back bonus rate
No cap on bonus rewards
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

Capital One Venture X Business

4.9

Read expert review

Annual fee

$395

Rewards rate

2x-10x

Miles

Intro offer

Up to 400K Miles

Miles

Limited Time Offer

Apply now

on Capital One's website

Rates & Fees

Pros

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

Cons

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

Capital One Venture X Business

4.9

Read expert review

Annual fee

$395

Rewards rate

2x-10x

Miles

Intro offer

Up to 400K Miles

Miles

Limited Time Offer

Apply now

on Capital One's website

Rates & Fees

Pros

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

Cons

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

Ink Business Preferred® Credit Card

4.5

Read expert review

Annual fee

$95

Rewards rate

1x-3x

Points

Intro offer

90,000

Points

Apply now

on Chase's website

Rates & Fees

Pros

New cardholder bonus offer
Transfer partners

Cons

Does not include lounge access or travel credits

Ink Business Preferred® Credit Card

4.5

Read expert review

Annual fee

$95

Rewards rate

1x-3x

Points

Intro offer

90,000

Points

Apply now

on Chase's website

Rates & Fees

Pros

New cardholder bonus offer
Transfer partners

Cons

Does not include lounge access or travel credits

2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

4.9

Read expert review

Annual fee

Rewards rate

1.5%-5%

Cashback

Intro offer

$750

Apply now

on Chase's website

Rates & Fees

Pros

High rewards rate
Intro APR period
No reward caps
New cardholder bonus offer

Cons

No bonus categories

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

4.9

Read expert review

Annual fee

Rewards rate

1.5%-5%

Cashback

Intro offer

$750

Apply now

on Chase's website

Rates & Fees

Pros

High rewards rate
Intro APR period
No reward caps
New cardholder bonus offer

Cons

No bonus categories

Capital One Spark Cash

4.7

Read expert review

Annual fee

$0 intro for the first year, then $95

Rewards rate

2%-5%

Cashback

Intro offer

$1,000

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No foreign transaction fees
New cardholder bonus offer
No reward caps

Cons

Requires excellent credit
Reports all card activity to consumer credit bureaus
No Intro APR period

Capital One Spark Cash

4.7

Read expert review

Annual fee

$0 intro for the first year, then $95

Rewards rate

2%-5%

Cashback

Intro offer

$1,000

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No foreign transaction fees
New cardholder bonus offer
No reward caps

Cons

Requires excellent credit
Reports all card activity to consumer credit bureaus
No Intro APR period

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

4.6

Read expert review

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$300

Apply now

on Bank of America's website

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

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

4.6

Read expert review

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$300

Apply now

on Bank of America's website

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

Capital One Spark Cash Plus

4.9

Read expert review

Annual fee

$150

Rewards rate

2%-5%

Cashback

Intro offer

$2,000

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No preset spending limit
No foreign transaction fees
New cardholder bonus offer

Cons

High annual fee
Balance must be paid in full every month
High spending requirement to hit bonuses
Requires excellent credit

Capital One Spark Cash Plus

4.9

Read expert review

Annual fee

$150

Rewards rate

2%-5%

Cashback

Intro offer

$2,000

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No preset spending limit
No foreign transaction fees
New cardholder bonus offer

Cons

High annual fee
Balance must be paid in full every month
High spending requirement to hit bonuses
Requires excellent credit

Ink Business Cash® Credit Card

4.7

Read expert review

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$750

Apply now

on Chase's website

Rates & Fees

Pros

Intro APR period
New cardholder bonus offer
High reward rate in bonus categories

Cons

Low rate outside bonus categories
Spending caps on bonus rewards

Ink Business Cash® Credit Card

4.7

Read expert review

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$750

Apply now

on Chase's website

Rates & Fees

Pros

Intro APR period
New cardholder bonus offer
High reward rate in bonus categories

Cons

Low rate outside bonus categories
Spending caps on bonus rewards

Capital on Tap Business Credit Card

4.6

Read expert review

Annual fee

Rewards rate

1.5%

Intro offer

N/A

Apply now

on Capital on Tap's website

Pros

High rewards rate
No reward caps
Available with fair credit
No annual fee.
No foreign transaction fees.

Cons

Not available to sole proprietors, charities or nonprofits
Must enroll in automatic payments
Potential for very high APR
No new cardholder bonus offer

Capital on Tap Business Credit Card

4.6

Read expert review

Annual fee

Rewards rate

1.5%

Intro offer

N/A

Apply now

on Capital on Tap's website

Pros

High rewards rate
No reward caps
Available with fair credit
No annual fee.
No foreign transaction fees.

Cons

Not available to sole proprietors, charities or nonprofits
Must enroll in automatic payments
Potential for very high APR
No new cardholder bonus offer

BILL Divvy Corporate Card

4.2

Read expert review

Annual fee

Rewards rate

1x-7x

Points

Intro offer

N/A

Apply now

on BILL Spend & Expense's website

Pros

No annual fee
Card-level spending controls
No personal guarantee
Available to sole proprietors

Cons

Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity

BILL Divvy Corporate Card

4.2

Read expert review

Annual fee

Rewards rate

1x-7x

Points

Intro offer

N/A

Apply now

on BILL Spend & Expense's website

Pros

No annual fee
Card-level spending controls
No personal guarantee
Available to sole proprietors

Cons

Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity

Brex Card

5.0

Read expert review

Annual fee

Rewards rate

1x-7x

Points

Intro offer

10,000

Points

Apply now

on Brex's website

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

Brex Card

5.0

Read expert review

Annual fee

Rewards rate

1x-7x

Points

Intro offer

10,000

Points

Apply now

on Brex's website

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

Ramp Card

4.3

Read expert review

Annual fee

Rewards rate

1%-1.5%

Cashback

Intro offer

$500

Apply now

on Ramp's website

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

Ramp Card

4.3

Read expert review

Annual fee

Rewards rate

1%-1.5%

Cashback

Intro offer

$500

Apply now

on Ramp's website

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

or get back to the for more options

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Recommendations do not guarantee card approval

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Capital One Venture X Business

Best for Overall airport lounge access

4.9

Read expert review

Annual fee

$395

Rewards rate

2x-10x

Miles

Intro offer

Up to 400K Miles

Miles

Limited Time Offer

See If I’m Pre-Approved

with no personal Credit Score impact

Rates & Fees

Pros

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

Cons

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

Capital One Venture X Business

Best for Overall airport lounge access

Best for Overall airport lounge access

4.9

Read expert review

Annual fee

$395

Rewards rate

2x-10x

Miles

Intro offer

Up to 400K Miles

Miles

Limited Time Offer

See If I’m Pre-Approved

with no personal Credit Score impact

Rates & Fees

Pros

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

Cons

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

The Business Platinum Card® from American Express

Best for Centurion lounge access

5.0

Read expert review

Annual fee

$895

Rewards rate

1x-5x

Points

Intro offer

200,000

Points

Elevated Offer

Apply now

on American Express' website

Rates & Fees

Pros

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

Cons

High annual fee
Low ongoing rewards rate

Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 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.
New! 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. 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® Plus Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
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.
Enhanced! 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
$895 Annual Fee.
Terms Apply.

Rates & Fees

The Business Platinum Card® from American Express

Best for Centurion lounge access

5.0

Read expert review

Annual fee

$895

Rewards rate

1x-5x

Points

Intro offer

200,000

Points

Elevated Offer

Apply now

on American Express' website

Rates & Fees

Pros

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

Cons

High annual fee
Low ongoing rewards rate

Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 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.
New! 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. 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® Plus Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
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.
Enhanced! 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
$895 Annual Fee.
Terms Apply.

Rates & Fees

Delta SkyMiles® Reserve Business American Express Card

Best for Delta frequent flyers

5.0

Read expert review

Annual fee

$650

Rewards rate

1x-3x

Miles

Intro offer

80,000

Miles

Apply now

on American Express' website

Rates & Fees

Pros

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

Cons

High annual fee
Limited reward redemption options

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.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a 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.
Terms and limitations apply.

Rates & Fees

Delta SkyMiles® Reserve Business American Express Card

Best for Delta frequent flyers

5.0

Read expert review

Annual fee

$650

Rewards rate

1x-3x

Miles

Intro offer

80,000

Miles

Apply now

on American Express' website

Rates & Fees

Pros

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

Cons

High annual fee
Limited reward redemption options

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.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a 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.
Terms and limitations apply.

Rates & Fees

United Club℠ Business Card

Best for United Club membership

4.9

Read expert review

Annual fee

$695

Rewards rate

1.5x-2x

Miles

Intro offer

80,000

Miles

Read Review

Pros

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

Cons

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

United Club℠ Business Card

Best for United Club membership

4.9

Read expert review

Annual fee

$695

Rewards rate

1.5x-2x

Miles

Intro offer

80,000

Miles

Read Review

Pros

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

Cons

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

Sapphire Reserve for Business℠

Best for Free airport lounge guest access

4.7

Read expert review

Annual fee

$795

Rewards rate

1x-8x

Points

Intro offer

200,000

Points

Apply now

on Chase's website

Rates & Fees

Pros

New cardholder bonus offer
Annual travel credit
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

Sapphire Reserve for Business℠

Best for Free airport lounge guest access

4.7

Read expert review

Annual fee

$795

Rewards rate

1x-8x

Points

Intro offer

200,000

Points

Apply now

on Chase's website

Rates & Fees

Pros

New cardholder bonus offer
Annual travel credit
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

Credit card	Best for	NerdWallet rating	Annual fee	Rewards rate	Intro offer	Learn more
Capital One Venture X Business	Overall airport lounge access	4.9 /5	$395	2x-10x Miles	Up to 400K Miles Miles Limited Time Offer	See If I’m Pre-Approved with no personal Credit Score impact Rates & Fees
Pros High rewards rate New cardholder bonus offer Priority Pass lounge membership Annual travel credit, bonus points Statement credit for Global Entry, TSA PreCheck® Cons High annual fee Requires excellent credit Balance must be paid in full every month

The Business Platinum Card® from American Express	Centurion lounge access	5.0 /5	$895	1x-5x Points	200,000 Points Elevated Offer	Apply now on American Express' website Rates & Fees
Pros Lounge membership Transfer partners Automatic elite status Annual statement credit for travel, business expenses New cardholder bonus offer Cons High annual fee Low ongoing rewards rate

Delta SkyMiles® Reserve Business American Express Card	Delta frequent flyers	5.0 /5	$650	1x-3x Miles	80,000 Miles	Apply now on American Express' website Rates & Fees
Pros High rewards rate New cardholder bonus offer Generous free checked bag benefit SkyClub and Centurion Lounge membership (terms apply) Companion pass benefit Cons High annual fee Limited reward redemption options

United Club℠ Business Card	United Club membership	4.9 /5	$695	1.5x-2x Miles	80,000 Miles	Read review
Pros High rewards rate Lounge membership New cardholder bonus offer Free checked bag Cons High annual fee Rewards have limited flexibility Does not include automatic elite status

Sapphire Reserve for Business℠	Free airport lounge guest access	4.7 /5	$795	1x-8x Points	200,000 Points	Apply now on Chase's website Rates & Fees
Pros New cardholder bonus offer Annual travel credit 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

Credit card Credit card	Best for Best for	NerdWallet rating NerdWallet rating	Annual fee Annual fee	Rewards rate Rewards rate	Intro offer Intro offer	Learn more Learn more
Capital One Venture X Business	Overall airport lounge access	4.9 /5	$395	2x-10x Miles	Up to 400K Miles Miles Limited Time Offer	See If I’m Pre-Approved with no personal Credit Score impact Rates & Fees
The Business Platinum Card® from American Express	Centurion lounge access	5.0 /5	$895	1x-5x Points	200,000 Points Elevated Offer	Apply now on American Express' website Rates & Fees
Delta SkyMiles® Reserve Business American Express Card	Delta frequent flyers	5.0 /5	$650	1x-3x Miles	80,000 Miles	Apply now on American Express' website Rates & Fees
United Club℠ Business Card	United Club membership	4.9 /5	$695	1.5x-2x Miles	80,000 Miles	Read review
Sapphire Reserve for Business℠	Free airport lounge guest access	4.7 /5	$795	1x-8x Points	200,000 Points	Apply now on Chase's website Rates & Fees

Capital One Venture X Business

Best for Overall airport lounge access

4.9

Read expert review

Annual fee

$395

Rewards rate

2x-10x

Miles

Intro offer

Up to 400K Miles

Miles

Limited Time Offer

See If I’m Pre-Approved

with no personal Credit Score impact

Rates & Fees

Pros

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

Cons

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

The Business Platinum Card® from American Express

Best for Centurion lounge access

5.0

Read expert review

Annual fee

$895

Rewards rate

1x-5x

Points

Intro offer

200,000

Points

Elevated Offer

Apply now

on American Express' website

Rates & Fees

Pros

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

Cons

High annual fee
Low ongoing rewards rate

Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 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.
New! 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. 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® Plus Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
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.
Enhanced! 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
$895 Annual Fee.
Terms Apply.

Rates & Fees

Delta SkyMiles® Reserve Business American Express Card

Best for Delta frequent flyers

5.0

Read expert review

Annual fee

$650

Rewards rate

1x-3x

Miles

Intro offer

80,000

Miles

Apply now

on American Express' website

Rates & Fees

Pros

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

Cons

High annual fee
Limited reward redemption options

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.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a 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.
Terms and limitations apply.

Rates & Fees

United Club℠ Business Card

Best for United Club membership

4.9

Read expert review

Annual fee

$695

Rewards rate

1.5x-2x

Miles

Intro offer

80,000

Miles

Read Review

Pros

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

Cons

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

Sapphire Reserve for Business℠

Best for Free airport lounge guest access

4.7

Read expert review

Annual fee

$795

Rewards rate

1x-8x

Points

Intro offer

200,000

Points

Apply now

on Chase's website

Rates & Fees

Pros

New cardholder bonus offer
Annual travel credit
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

Jump to

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:

United℠ Business Card

: Includes two United Club passes per year. Passes don't include guests (except children under 2). There are more than 45 United Club lounges, including in a handful of popular international destinations, such as London Heathrow and Hong Kong International Airport.

U.S. Bank Business Altitude Connect World Elite Mastercard : Includes up to four free Priority Pass visits per year for the cardholder and one additional guest per visit. There are more than 1,400 Priority Pass lounges and experiences around the world.

There are also several

personal travel cards that offer airport lounge access

, which can be an option for sole proprietors or business owners who don’t need employee cards. Lounge benefits and annual fees are pretty similar between personal and business cards, but welcome offers and other rewards categories may differ slightly.

If you opt to use a personal card, it’s smart to keep it exclusively for business purchases. Commingling business and personal expenses can complicate bookkeeping and tax filing.

Compare airport lounge access for business credit cards

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

How to choose a business card for airport lounge access

Seeking out a business credit card for airport lounge benefits narrows your options of

business travel cards

to a handful. But how do you choose from there? Ask yourself these questions:

1. Which airlines do you fly? If you’re loyal to United or Delta, a co-branded card like the Delta SkyMiles® Reserve Business American Express Card or the United Club℠ Business Card will give you entry into the airlines’ respective lounges, plus airline-specific perks like discounts and free seat upgrades.

Capital One Venture X Business, on the other hand, is the best option if you fly with multiple airlines or have the flexibility to book most of your flights through Capital One Business Travel (you’ll get 5 miles per $1).

2. What routes do you fly? Most major travel hubs have multiple airport lounges in each terminal, making it easy to pop into one on a layover. But some airports have limited options. In Detroit, Delta Sky Club is your only option (unless you’re flying Lufthansa). Always connecting through Charlotte, North Carolina? You won’t find a United Club lounge. Select a card that gives you convenient lounge access along your normal travel routes.

3. How often will you visit a lounge? Airport lounge access doesn't come cheap. Annual fees for many of our picks range from $395 to $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.

Can AmEx business cards access airport lounges?

A handful of

American Express business cards

offer airport lounge access. The Business Platinum Card® from American Express, for example, includes complimentary access to Centurion and Priority Pass lounges, along with a handful of other domestic and international lounges. A handful of co-branded AmEx business cards, including the Delta SkyMiles® Reserve Business American Express Card also offer lounge perks.

Notes from card issuers

To view rates and fees of The Business Platinum Card® from American Express, see

this page

To view rates and fees of the Delta SkyMiles® Reserve Business American Express Card, see

this page

Last updated on June 21, 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

Meet the editorial team

Kelsey Sheehy

Senior writer | Small business, personal finance

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