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Best Credit Cards With Airport Lounge Access in 2025

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Holly Johnson
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Sarah Fisher
Updated on:
Content was accurate at the time of publication.
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Winner

The Platinum Card<sup>®</sup> from American Express

The Platinum Card® from American Express

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Rates & Fees
|Terms Apply

The Platinum Card® from American Express is your ticket into the Global Lounge Collection: more than 1,400 airport lounges worldwide, the most options offered by a travel rewards card. It includes complimentary access to Centurion Lounges, Delta Sky Club and others. (Terms and conditions apply.)

Key takeaways

  • One of the key benefits of some premium travel credit cards is airport lounge access, where you can relax and enjoy complimentary perks (like food and Wi-Fi) while you await your departure.
  • The Platinum Card® from American Express has the most extensive airport lounge collection.
  • Read terms and conditions carefully, as some lounge programs require enrollment, may limit the number of complimentary visits and may have differing policies on guests.

Best card for lounge access

The Platinum Card® from American Express

The Platinum Card<sup>®</sup> from American Express The Platinum Card<sup>®</sup> from American Express
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4.5
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Rates & Fees
|Terms Apply

Over 1,400 airport lounges worldwide, including Centurion and Delta Sky Club lounges (10 visits per year)
Annual Fee$695
Intro Purchase APRN/A
Regular Purchase APRSee Pay Over Time APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Generous rewards rate on travel
  • Access to more than 1,400 lounges worldwide
  • Rewards transfer to 15+ travel loyalty programs
  • $1,000-plus worth of credits
  • Concierge service
  • High $695 annual fee
  • Limited entry in some Priority Pass locations
  • More limited acceptance of American Express cards, especially internationally

The Platinum Card® from American Express might be the best choice if you’re looking for access to nearly every lounge network, or if your top priority is international lounge access. Among the complimentary memberships you can get through this card are the American Express Global Lounge Collection (which includes Priority PassTM Select membership*), Amex’s own Centurion lounges (which the card grants you exclusive access to) and Delta Sky Clubs (which you can enter into before or during Delta flights). The card also comes with a laundry list of credits, benefits and protections, like an airline fee credit for up to $200* and upgraded hotel status with Hilton* and Marriott*.

  • Lounge network(s): American Express Global Lounge Collection, Centurion Lounges, Delta Sky Club (10 visits per year), Escape Lounges, Plaza Premium Lounges, Priority Pass Lounges*, Lufthansa Lounges
  • Number of lounges: Over 1,400 Priority Pass airport lounges worldwide, 40-plus Centurion and Escape Lounges, 50-plus Delta Sky Club
  • Authorized user access: You can add additional card members for a fee. Additional card members have the same lounge access as the primary cardholder.
  • Guest policy: Guest policies vary depending on the specific lounge network. Some like Priority Pass allow up to two guests per visit, whereas you must spend $75,000 annually to earn free Centurion Lounge access for two guests.
  • When can you access lounges? Lounge access is for same-day travel only.
*Enrollment required
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • With American Express Global Lounge Collection® you can enjoy access to over 1,400 airport lounges globally, including The Centurion® Lounge, Unlimited Delta Sky Club® Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express® App or visit http://www.americanexpress.com/findalounge#/loungefinder.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
  • $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.

Best for Priority Pass lounge access

Chase Sapphire Reserve®

Chase Sapphire Reserve<sup>®</sup> Chase Sapphire Reserve<sup>®</sup>
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4.9
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Rates & Fees

More than 1,300 Priority Pass lounges and Chase Sapphire lounges
Annual Fee$550
Intro Purchase APRN/A
Regular Purchase APR20.24% - 28.74% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Generous earning rate on travel
  • Access to Priority Pass lounges and Chase Sapphire airport lounges (after enrollment)
  • Transfer points to 10+ loyalty programs
  • Annual $300 travel credit
  • High $550 annual fee
  • Authorized user fee

The Chase Sapphire Reserve® offers entry into Priority Pass lounges worldwide and Chase Sapphire lounges along with the option to bring two guests. There are more than 1,300 Priority Pass lounge locations and eight Chase Sapphire lounges available, with plans to open more. This card also earns flexible Chase Ultimate Rewards® points, which transfer to airline and hotel programs like British Airways, JetBlue, Southwest Rapid Rewards and Marriott Bonvoy® at a 1:1 ratio.

Cardholders also get perks like a $300 annual travel credit and a fee credit for Global Entry, NEXUS or TSA PreCheck membership.

  • Lounge network: Priority PassTM Select and Chase Sapphire lounges
  • Number of lounges: Over 1,300 airport lounges worldwide
  • Authorized user access: Authorized users receive the same full complimentary access to lounges as primary cardholders; $75 authorized user fee required
  • Guest policy: Primary cardholders and authorized users are allowed a maximum of two guests per visit (passes for additional guests at Priority Pass lounges vary by lounge)
  • When can you access lounges? Lounge access is for same-day travel only
  • Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
  • Member FDIC
See the best credit cards for Priority Pass.

Best business

The Business Platinum Card® from American Express

The Business Platinum Card<sup>®</sup> from American Express The Business Platinum Card<sup>®</sup> from American Express
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4.4
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Rates & Fees
|Terms Apply

Over 1,400 airport lounges worldwide, including Centurion and Delta Sky Club lounges (10 visits per year)
Intro Purchase APRN/A
Annual Fee$695
Regular Purchase APR18.49% - 27.49% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Earn an elevated rewards rate on travel and business expenses
  • Access to more than 1,400 lounges worldwide
  • Rewards transfer to 15+ loyalty programs
  • $1,000+ worth of business and travel credits
  • Concierge service
  • High $695 annual fee
  • Limited entry in some Priority Pass locations
  • More limited acceptance of American Express cards, especially internationally

The Business Platinum Card® from American Express offers access to many lounge networks — including Priority Pass (enrollment required) and Amex Centurion lounges, as well as Delta Sky Clubs when you fly with that airline. And while a $695 annual fee applies, business owners with this card get valuable business credits, including up to $400 in credits from Dell (enrollment required).

  • Lounge network(s): American Express Global Lounge Collection, Centurion Lounges, Delta Sky Club (10 visits per year), Escape Lounges, Plaza Premium Lounges, Priority Pass Lounges (enrollment required), Lufthansa Lounges
  • Number of lounges: Over 1,400 Priority Pass airport lounges worldwide, around 40 Centurion and Escape Lounges, 50-plus Delta Sky Clubs
  • Authorized user access: You can add additional card members for a fee. Additional card members have the same lounge access as the primary card member.
  • Guest policy: Guest policies vary depending on the specific lounge network. Many allow up to two guests per visit.
  • When can you access lounges? Lounge access is for same-day travel only
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the 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 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024. Access is limited to eligible Card Members.
  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®.
  • 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.
  • NEW! 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.
  • Earn 5X Membership Rewards Points® on Flights, and Prepaid Hotels Booked through AmexTravel.com
  • 1X points on other eligible purchases
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
  • $695 Annual Fee.
  • Terms Apply.

Best business runner-up

Capital One Venture X Business

Capital One Venture X Business Capital One Venture X Business
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4.9
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Rates & Fees
Intro Purchase APRN/A
Annual Fee$395
Regular Purchase APRN/A
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Earn 2X miles on every purchase
  • Access to 1,300+ airport lounges, including Capital One Lounge and Capital One Landing locations and the Partner Lounge Network
  • Miles transfer to 15+ partners
  • Annual travel credit and yearly miles bonus
  • Annual fee of $395 is lower than some other premium cards
  • Free employee cards
  • Balance must always be paid off in full every month
  • Not as many fee credits and perks as some other top-tier travel cards

The Capital One Venture X Business offers generous airport lounge access but has a lower annual fee than similar travel cards and free cards for authorized users. You won’t get as long a list of fee credits and perks, but there are big advantages, including a $300 annual credit for travel bookings through Capital One and bonus miles. Just be mindful that this is not a revolving credit card – you must pay the balance in full each month.

  • Lounge network(s): Must enroll for access to the Partner Lounge Network, Capital One Lounge and Capital One Landing and a Priority Pass membership.
  • Number of lounges: More than 1,300+ lounges
  • Authorized user access: See terms (see rates & fees)
  • Guest policy: See terms (see rates & fees)
  • When can you access lounges? See terms (see rates & fees)
  • 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 unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
  • 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 through Capital One Travel
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass through the Partner Lounge Network
  • 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
  • For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See the best business credit cards for travel.

Best international lounge access (runner-up)

Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card Capital One Venture X Rewards Credit Card
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4.9
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Rates & Fees

Access to more than 1,300 international lounges
Annual Fee$395
Intro Purchase APRN/A
Regular Purchase APR19.99% - 29.24% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Earn miles at a high rate on every purchase
  • Access to Capital One and Priority Pass lounges
  • Miles transfer to 15+ loyalty programs
  • $300 annual travel credit for bookings through Capital One and 10,000 mile anniversary bonus
  • Free cards for authorized users
  • $395 annual fee
  • No major U.S. airline transfer partners

The Capital One Venture X Rewards Credit Card is our top pick for international lounge access after The Platinum Card® from American Express. You get Priority PassTM Select membership, which gives you visiting privileges to more than 1,300 lounges worldwide. You can also enter a handful of Capital One airport lounges.

This card also has a $395 annual fee, which is lower than many other travel cards with luxury perks. You can also add authorized users for free, and they’ll get their own lounge memberships at no additional cost.

  • Lounge network: Priority PassTM Select and Capital One
  • Number of lounges: Over 1,300 airport lounges worldwide
  • Authorized user access: See terms (see rates & fees)
  • Guest policy: See terms (see rates & fees)
  • When can you access lounges? See terms (see rates & fees)
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Best credit card for Admirals Club lounge access

Citi® / AAdvantage® Executive World Elite Mastercard®*

Citi<sup>®</sup> / AAdvantage<sup>®</sup> Executive World Elite Mastercard<sup>®</sup> Citi<sup>®</sup> / AAdvantage<sup>®</sup> Executive World Elite Mastercard<sup>®</sup>
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4
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Access to around 100 Admirals Club and partner lounges worldwide
Annual Fee$595
Intro Purchase APRN/A
Regular Purchase APR20.24% - 29.24% (Variable)
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Generous airline rewards program
  • Admirals Club membership
  • Generous guest policy for lounges
  • Travel benefits include priority check-in and security and boarding privileges
  • High $595 annual fee
  • Limited to Admirals Clubs and partners

The Citi® / AAdvantage® Executive World Elite Mastercard® is the only credit card that comes with American Airlines Admirals Club membership. Although there’s a $595 annual fee, Admirals Club membership is actually worth up to $850 if you choose to pay for it outright. Plus, getting the card instead also gives you several airline-related perks, including priority check-in, first checked bag free on domestic American Airlines itineraries, security and boarding privileges and a Global Entry or TSA PreCheck fee credit.

  • Lounge network(s): Admirals Club and partner lounges
  • Number of lounges: Around 100 lounges worldwide
  • Authorized user access: Add authorized users for a fee. Authorized users have access to domestic and international Admirals Club locations, but not full membership privileges.
  • Guest policy: Immediate family and up to two guests free
  • When can you access lounges? Lounge access is for same-day travel only
  • Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within 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
*The information related to the Citi® / AAdvantage® Executive World Elite Mastercard® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
See the best American Airlines credit cards.

Best for Delta lounge access

Delta SkyMiles® Reserve American Express Card

Delta SkyMiles<sup>®</sup> Reserve American Express Card Delta SkyMiles<sup>®</sup> Reserve American Express Card
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4.1
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Rates & Fees
|Terms Apply

Delta Sky Club membership, plus access to Centurion lounges
Annual Fee$650
Intro Purchase APRN/A
Regular Purchase APR20.24%-29.24% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Access to Delta Sky Club and Centurion lounges
  • Four one-time guest passes per year
  • Annual companion certificate
  • Comes with frequent flyer perks
  • High $650 annual fee
  • Limited international lounge options
  • Sky Club access limited to 15 visits per year

The Delta SkyMiles® Reserve American Express Card is the only co-branded consumer Delta credit card that offers Delta Sky Club membership, as well as access to Amex’s exclusive Centurion Lounge network, when you pay for your Delta flight with your card.

And although this card has a $650 annual fee, Delta Sky Club membership costs $695 or more. You’ll also get a round-trip companion certificate every year, a first checked bag free on Delta flights and more.

Just know that you’ll be limited to 15 Sky Club visits per year. However, if you spend at least $75,000 on the card in a year, you’ll get unlimited access the following year.

  • Lounge network(s): Delta SkyClub, Centurion
  • Number of lounges: 50+ Delta SkyClub Lounges, around 40 Centurion and Escape Lounges when flying Delta
  • Authorized user access: Authorized users can be added to the card for a fee and receive full lounge access
  • Guest policy: Cardmembers receive four one-time guest passes each year to bring along friends and family. Cardmembers may bring up to two guests for a $50 fee per guest after that, or $25 for Delta Grab and Go locations.
  • When can you access lounges? Lounge access is for same-day travel on Delta flights
  • Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
  • Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
  • Enjoy a Companion Certificate on a First Class, Delta Comfort+®, or Main Cabin round-trip flight to select destinations 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.
  • $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
  • $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
  • Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over other Medallion Members within the same Medallion tier and fare class grouping when you fly with Delta.
  • Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
  • No Foreign Transaction Fees.
  • $650 Annual Fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
See the best Delta credit cards.

Best for United lounge access

The New United Club℠ Card

The New United Club℠ Card The New United Club℠ Card
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4.1
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Rates & Fees

Access to over 45 United lounges, five United Polaris lounges and partner lounges
Annual Fee$695
Intro Purchase APRN/A
Regular Purchase APR20.49% - 28.99% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
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  • United Club membership
  • United airline perks
  • Hotel and car rental elite status
  • MileagePlus program benefits
  • High $695 annual fee
  • Limited lounge options worldwide

United fans will love The New United Club℠ Card, since it comes with access to United Club lounges and premium travel services when flying United. Major benefits outside of airport lounge access include first- and second-checked bags free, priority check-in and boarding and a Global Entry, TSA PreCheck or NEXUS fee credit. The annual fee on this card is $695, whereas paying for United Club membership costs a minimum of $750.

  • Lounge network(s): United Club
  • Number of lounges: Over 45 United Club lounges, six United Polaris lounges and partner lounges
  • Authorized user access: Authorized users can only access lounges as a guest of the primary cardholder
  • Guest policy: Up to two free guests per visit
  • When can you access lounges? Lounge access is for same-day travel on United and Star Alliance flights
  • Debut Offer: Earn 95,000 bonus miles
  • 4x miles on United® purchases
  • 2x miles on dining and all other travel
  • 1x mile on all other purchases
  • United Club℠ membership - at least a $750 value
  • Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services
  • Earn a 10,000-mile award flight discount after $20,000 in purchases - up to two times each calendar year
  • Member FDIC
See the best United credit cards.

Best hotel

Marriott Bonvoy Brilliant® American Express® Card

Marriott Bonvoy Brilliant<sup>®</sup> American Express<sup>®</sup> Card Marriott Bonvoy Brilliant<sup>®</sup> American Express<sup>®</sup> Card
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Rates & Fees
|Terms Apply

1,200-plus Priority Pass lounges (enrollment required) and experiences
Annual Fee$650
Intro Purchase APRN/A
Regular Purchase APR20.24%-29.24% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
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  • Generous rewards on Marriott stays
  • Up to $300 dining credit (up to $25 monthly)
  • Priority PassTM Select membership (enrollment required)
  • Marriott Bonvoy® Platinum Elite status (enrollment required)
  • High $650 annual fee
  • Earns rewards specific to Marriott

The Marriott Bonvoy Brilliant® American Express® Card is a luxury hotel credit card that has some of the benefits you’ll find with airline credit cards and flexible travel credit cards. For example, this card comes with automatic Marriott Bonvoy® Platinum Elite status*, up to a $300 dining credit each year (up to $25 monthly), a fee credit for Global Entry or TSA PreCheck membership* and Priority PassTM Select airport lounge membership*.

The $650 annual fee can be worth it for Marriott enthusiasts who can benefit from on-property perks and other elite benefits.

  • Lounge network(s): Priority PassTM Select*
  • Number of lounges: 1,200-plus worldwide
  • Authorized user access: Authorized users don’t have their own lounge access
  • Guest policy: Up to two guests at no charge
  • When can you access lounges? Lounge access is for same-day travel only
*Enrollment required
  • Earn 185,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
  • $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
  • With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
  • Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.
  • Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Brilliant Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
  • $100 Marriott Bonvoy® Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at Marriott, The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
  • Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
  • Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
  • No Foreign Transaction Fees on international purchases.
  • With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • $650 Annual Fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
See the best hotel credit cards.

How to buy airport lounge access

If you don’t have a credit card with lounge access, you may still be able to gain entry. Many airlines allow you to buy memberships or one-time passes for a fee. United Airlines, for example, sells one-time passes for its United Clubs for $59. American Airlines Admirals Club offers several annual membership options with fees of up to $1,650 for a household membership.

Other lounge networks don’t allow walk-ins to buy guest passes. For example, American Express Centurion lounge access is limited to certain cardholders and their guests.

To see rates & fees for American Express cards mentioned on this page, visit the links provided below:

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

The information related to the Citi® / AAdvantage® Executive World Elite Mastercard®, J.P. Morgan Reserve Card, The Ritz-Carlton™ Credit Card, Bank of America® Premium Rewards® Elite Credit Card, Signify Business Cash℠ Card and U.S. Bank Altitude® Connect Visa Signature® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

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