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✅ Expert verified
NerdWallet's content is fact-checked for accuracy, timeliness, and relevance by humans. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible. Learn more by checking our Editorial Guidelines.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
You're our first priority.
Every time.
We believe everyone should be able to make financial decisions with confidence. While we don’t cover every company or financial product on the market, we work hard to share a wide range of offers and objective editorial perspectives.
So how do we make money? Our partners compensate us for advertisements that appear on our site. This compensation helps us provide tools and services - like free credit score access and monitoring. With the exception of mortgage, home equity and other home-lending products or services, partner compensation is one of several factors that may affect which products we highlight and where they appear on our site. Other factors include your credit profile, product availability and proprietary website methodologies.
However, these factors do not influence our editors’ opinions or ratings, which are based on independent research and analysis. Our partners cannot pay us to guarantee favorable reviews. Here is a list of our partners.
Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
| Credit card | Best for | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|---|
 Capital One Venture X Business | Overall airport lounge access value | $395 | 2x-10x Miles | 150,000 Miles | on Capital One's website Rates & Fees | |
| Pros
Cons
| ||||||
 The Business Platinum Card® from American Express | Largest global lounge network | $895 | 1x-5x Points | 200,000 Points | on American Express' website Rates & Fees | |
| Pros
Cons
| ||||||
 Delta SkyMiles® Reserve Business American Express Card | Delta frequent flyers | $650 | 1x-3x Miles | 125,000 Miles | on American Express' website Rates & Fees | |
| Pros
Cons
| ||||||
 United Club℠ Business Card | United Club membership | $695 | 1.5x-5x Miles | 100,000 Miles + 2,000 PQP Miles | ||
| Pros
Cons
| ||||||
 Sapphire Reserve for Business℠ | Free guest lounge access | $795 | 1x-8x Points | 150,000 Points | on Chase's website Rates & Fees | |
| Pros
Cons
| ||||||
 U.S. Bank Business Altitude® Connect Visa Signature® Card | Low-cost, limited lounge access | $0 intro for the first year, then $95 | 1x-5x Points | 75,000 Points | on U.S. Bank's website Rates & Fees | |
| Pros
Cons
| ||||||
 Citi® / AAdvantage® Executive World Elite Mastercard® | American Airlines Admirals Club membership (personal card) | $595 | 1x Miles | 70,000 Miles | on Citibank's application Rates & Fees | |
| Pros
Cons
| ||||||
Capital One Venture X Business
Best for Overall airport lounge access value
Miles
Miles
on Capital One's website
Rates & Fees
Pros
Cons
The Business Platinum Card® from American Express
Best for Largest global lounge network
Points
Points
on American Express' website
Rates & Fees
Pros
Cons
Delta SkyMiles® Reserve Business American Express Card
Best for Delta frequent flyers
Miles
Miles
on American Express' website
Rates & Fees
Pros
Cons
United Club℠ Business Card
Best for United Club membership
Miles
Miles
Pros
Cons
Sapphire Reserve for Business℠
Best for Free guest lounge access
Points
Points
on Chase's website
Rates & Fees
Pros
Cons
U.S. Bank Business Altitude® Connect Visa Signature® Card
Best for Low-cost, limited lounge access
Points
Points
on U.S. Bank's website
Rates & Fees
Pros
Cons
Citi® / AAdvantage® Executive World Elite Mastercard®
Best for American Airlines Admirals Club membership (personal card)
Miles
Miles
on Citibank's application
Rates & Fees
Pros
Cons
Points Miles Excellent (720+) Good (690+) Fair (630+) Showing 0 out of 7 cards
Miles
Miles
on Capital One's website
Rates & Fees
Pros
Cons
Points
Points
on American Express' website
Rates & Fees
Pros
Cons
Miles
Miles
on American Express' website
Rates & Fees
Pros
Cons
Miles
Miles
Pros
Cons
Points
Points
on Chase's website
Rates & Fees
Pros
Cons
Points
Points
on U.S. Bank's website
Rates & Fees
Pros
Cons
Miles
Miles
on Citibank's application
Rates & Fees
Pros
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Jump to
5.0
$150
on Chase's website
| 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. | ||||
| 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. | ||
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