Greatest bank card for airport lounge entry: Journey in consolation | ZDNet

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Airport lounges are now not restricted to firstclass fliers and airline elites. With lounge entry bank card advantages, any savvy cardholder can escape the airport chaos and enter into the world of free airport snacks.

Totally different bank cards supply several types of lounge entry. You’ll wish to select a card that matches your flying preferences, together with the airways you prefer to fly and the airports you frequent. With that in thoughts, listed here are our high picks:

Intro BonusEarn 100,000 Membership Rewards® factors after you spend $6,000 on purchases in your new Card in your first 6 months of Card Membership.

APRSee Pay Over Time APR

Advisable Credit score Wonderful/Good

Reward Charges

  • Earn 5X Membership Rewards® Factors for flights booked immediately with airways or with American Specific Journey as much as $500,000 on these purchases per calendar yr.
  • Earn 5X Membership Rewards® Factors on pay as you go inns booked with American Specific Journey.

Annual Payment$695

Intro Buy APRN/A

The Platinum Card is the most effective all-around card for lounge entry — it doesn’t matter what airline you fly or the place you journey. Its lounge advantages offer you entry to 6 totally different airport lounge networks, together with Precedence Go Choose, American Specific Centurion lounges, Delta Sky Golf equipment (when flying on Delta or Lufthansa similar day), Escape lounges, Airspace lounges, and Plaza Premium lounges.

On the whole, cardholders can entry the lounges with as much as two extra company for no cost, except the lounge community has totally different guidelines (extra charges apply for company at Delta Sky Golf equipment). American Specific permits extra cardholders to entry the identical lounge advantages as the first cardmember, nevertheless, there’s a cost of $175 so as to add as much as three extra customers to your American Specific Platinum account.

The enterprise model of this card — the American Specific Enterprise Platinum Card® — additionally affords comparable entry to those similar lounge networks.


  • Entry to 6 lounge networks
  • 24 Centurion Lounges (13 US and 11 overseas)
  • Excessive worth journey advantages and annual credit


  • Excessive annual charge of $695
  • Payment for added card customers
  • American Specific Precedence Go excludes collaborating airport eating places
  • A number of the advantages aren’t sensible for the common person (like non-public jet credit)

You’ll be able to learn our full assessment right here.

Phrases apply to American Specific advantages and affords. Enrollment could also be required for choose American Specific advantages and affords. Go to to be taught extra.

Intro BonusEarn 50,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening. That’s $750 towards journey if you redeem by means of Chase Final Rewards®

APR17.24% – 24.24% Variable

Advisable Credit score Wonderful Credit score

Reward Charges

  • Earn 10x whole factors on inns and automotive leases if you buy journey by means of Chase Final Rewards®.
  • Earn 5x whole factors on air journey by means of Chase Final Rewards®
  • Earn 3x factors on different journey and eating.
  • 1 level per $1 spent on all different purchases

Annual Payment$550

Intro Buy APRN/A

The Chase Sapphire Reserve is the highest all-around bank card for avid vacationers, and it additionally comes with stable lounge profit which can be about to get even higher.

Whereas Chase’s checklist of lounges you may entry as a cardholder isn’t as intensive because the Amex Platinum’s checklist, the cardboard does offer you full entry to Precedence Go for you and two company, together with the collaborating airport eating places excluded by American Specific’s Precedence Go entry. This generally is a game-changer if your house airport is in a smaller metropolis and has Precedence Go restaurant choices however not lounge choices. 

Chase has additionally introduced it’s planning to open six Sapphire lounges in 2022 and 2023, with the primary three slated for New York LaGuardia (LGA), Boston (BOS), and Hong Kong (HKG).

Further customers in your Chase Sapphire Reserve account do get full entry to the identical advantages of the first cardholder, however there’s a $75 annual charge per extra card.


  • Precedence Go Choose with entry to airport eating places
  • $300 annual journey buy credit score
  • Greatest journey insurance coverage choices


  • Excessive annual charge of $550
  • $75 charge per approved person
  • Sapphire lounge community not but open

Intro BonusEarn 75,000 bonus miles if you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in journey

APR17.24% – 24.24% (Variable)

Advisable Credit score Wonderful

Reward Charges

  • Earn limitless 10X miles on inns and rental vehicles booked by means of Capital One Journey and 5X miles on flights booked by means of Capital One Journey.
  • Earn limitless 2X miles on all different purchases

Annual Payment$395

Intro Buy APRN/A

The Capital One Enterprise X Rewards Card is the most recent bank card for the posh lounge seeker. This card is finest for vacationers who continuously journey by means of airports with a Capital One Lounge.

The Capital One Lounge is presently open in Dallas-Fort Price (DFW) with places in Denver (DEN) and Washington Dulles (IAD) opening quickly. Enterprise X cardholders obtain limitless entry to the lounges with as much as two extra company at no cost. These lounges supply a full bar, sizzling meals, grab-and-go meals, showers, and even a yoga room with Peloton bikes.

Along with the rising community of Capital One lounges, the Enterprise X additionally offers you Precedence Go Choose membership for you and two company, with entry to collaborating airport eating places included.

Capital One means that you can add 4 extra cardholders to your Enterprise X Rewards Card account for gratis, and extra customers are in a position to entry the complete lounge advantages — together with registration for Precedence Go.


  • Rising community of Capital One Lounges
  • Journey credit on Capital One journey
  • No extra person charge for 4 extra playing cards


  • Excessive annual charge of $395
  • Solely open lounge is presently in DFW
  • Precedence Go membership could also be discontinued because the Capital One Lounge community grows

Intro BonusEarn 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases in your new Card in your first 3 months.

APR15.99%-24.99% Variable

Advisable Credit score Wonderful/Good

Reward Charges

  • Earn 3X Miles on Delta purchases.
  • Earn 1X Mile on all different eligible purchases.

Annual Payment$550

Intro Buy APRN/A

The Delta SkyMiles Reserve bank card from American Specific is the most effective airline-specific lounge card available on the market — for those who’re a frequent Delta flyer who usually travels solo. The Delta SkyMiles Reserve not solely means that you can entry Delta Sky Golf equipment, however you may also acquire entry to the American Specific community of Centurion Lounges if you’re flying on Delta and have bought your ticket utilizing a US-issued American Specific card.

Not like most of the different playing cards that permit two of your companions to entry the lounge at no cost, the Delta SkyMiles Reserve solely covers lounge entry for you. Cardholders get two visitor passes annually; exterior of the visitor passes, you might carry two company at a value of $39 per individual when accessing the Sky Membership. When accessing the American Specific Centurion Lounge with a Delta SkyMiles Reserve card, you might carry as much as two company. Nevertheless, the price per individual is $50.

Whereas each the American Specific Platinum card and the Delta SkyMiles Reserve card supply entry to each the Sky Membership and the Centurion Lounges, this card could also be extra interesting to avid Delta flyers. That is particularly nice for these hoping to keep up ranges of elite standing, as this card affords Medallion Qualifying Miles incomes bonuses.


  • Entry to American Specific Centurion Lounges
  • Medallion Qualifying Miles incomes advantages
  • Delta SkyMiles bonus earnings


  • Excessive annual charge of $550
  • Further cost for lounge company
  • Annual charge prices greater than a Sky Membership membership

You’ll be able to learn our full assessment right here.

Phrases apply to American Specific advantages and affords. Enrollment could also be required for choose American Specific advantages and affords. Go to to be taught extra.

Intro BonusEarn 50,000 American Airways AAdvantage® bonus miles after spending $5,000 in purchases throughout the first 3 months of account opening.

APR16.24% – 25.24% (Variable)

Advisable Credit score Wonderful, Good

Reward Charges

  • 2 AAdvantage® miles for each $1 spent on eligible American Airways purchases
  • 1 AAdvantage® miles for each $1 spent on different purchases

Annual Payment$450

Intro Buy APRN/A

The Citi AAdvantage World Elite Mastercard grants cardholders and two company entry to American Airline’s (AA) community of practically 50 Admirals Golf equipment worldwide. Cardholders may also entry some Alaska Airways lounges and Qantas lounges when flying on the respective airline. Selective lounges internationally which can be a part of the Oneworld community are additionally accessible.

You do not need to be flying American on the identical day to make use of your Citi AAdvantage World Elite Mastercard, however those that frequent American Airways will get essentially the most use out of this card’s lounge advantages, as practically each AA hub has a number of lounges to go to.

A giant perk to this card is that Citi will can help you add as much as 10 approved customers to your card for no extra charge, and every of those customers obtain the Admirals Membership lounge entry advantages. (Some companion lounges require you to be the first card member to achieve entry).


  • Annual charge prices lower than an Admirals Membership Annual Membership
  • As much as 10 approved customers for no cost
  • AA airline advantages and Loyalty Factors bonus earnings


  • Not a fantastic possibility for those who usually fly with different airways
  • Excessive annual charge of $450

What’s the finest bank card for airport lounge entry?

The Platinum Card from American Specific stands out above the remaining as the most effective bank card for airport lounge entry. With six networks as a part of the American Specific Platinum lounge program, you’ll probably have the ability to entry a lounge at virtually any airport on this planet.

How did we select these playing cards?

There are numerous totally different bank cards that supply entry to airport lounges. To pick the most effective card for you, we thought-about:

  • Kind of lounge profit: Which airline you fly and the airport hubs that you just go to essentially the most will enable you decide which airport lounge rewards card will finest meet your wants.

  • Annual charge worth: Does the lounge entry — alongside the opposite rewards and advantages of the cardboard — add as much as meet or exceed the worth of the annual charge?

  • Different journey advantages: Along with lounge entry, most of those playing cards supply different particular journey profit together with free baggage, precedence boarding, or journey credit. These advantages assist offset the excessive annual charges widespread to luxurious journey playing cards.

Which card is the proper one for you?

The correct card for you’ll rely upon elements like your airline preferences, frequent journey hubs, and extra. Whether or not you usually fly solo or not may also make a distinction in your resolution. The chart under can assist you determine the place to start out:

Credit score Card

Annual Payment

Precedence Go Choose

Lounge Networks

The Platinum Card from American Specific

X (eating places excluded)

Chase Sapphire Reserve Card



Capital One Enterprise X Rewards Card



Delta SkyMiles Reserve American Specific Card

Citi / AAdvantage Govt World Elite Mastercard


What are the bank card advantages for lounge networks vs. airline golf equipment?

Lots of the finest bank cards that supply airline lounge entry supply some mixture of entry to both a lounge community or a membership to a selected airline’s membership. There are additionally just a few playing cards that supply each.

Some in style lounge networks are Precedence Go Choose, Escape lounges, Airspace lounges, and Plaza Premium lounges. Every of the massive and hottest credit score card-issuing banks have additionally begun to launch their very own networks of airline lounges: the American Specific Centurion Lounges, the Capital One Lounges, and the just lately introduced Chase Sapphire Lounges. These networks can help you go to any of the lounges inside their community in case your bank card offers you entry to their membership. 

Within the US, every of the massive airways has their very own branded airline membership, which you’ll be a part of and entry everytime you go to the airport. In lieu of a paid membership, many of the airways supply a co-branded card that provides you entry to their membership if you journey. Selecting a card with the sort of lounge entry is often finest for vacationers who continuously fly on a selected airline. These lounges are most frequently positioned inside that airline’s hub cities and within the terminal from which that airline’s flights depart, making it handy for those who match your lounge bank card entry option to the airline you’ll more than likely be flying.

What can I entry with the Precedence Go Choose bank card profit?

Precedence Go is among the commonest lounge community advantages granted by bank cards, together with entry to greater than 500 lounges and airport eating places across the globe. Not all Precedence Go bank card advantages are created equal, nevertheless. Some bank cards, just like the Chase Sapphire Reserve and the Capital One Enterprise X, offer you common entry to all Precedence Go airport retailers — together with collaborating eating places and lounges. Others, just like the American Specific playing cards, supply a choose entry profit which solely means that you can use lounges and excludes collaborating eating places. 

If you happen to stay in a smaller metropolis that has few airport lounges however does have collaborating Precedence Go eating places, you’ll wish to ensure that your bank card supplies a Precedence Go membership with entry to the restaurant profit.

Can I take advantage of my bank card advantages to take a visitor into the lounge?

The variety of company that you could carry into the lounge with you’ll fluctuate by card in addition to the quantity charged for added company. Most playing cards will can help you carry two extra company or one visitor and your dependent kids. Further company will usually be charged a reduced every day charge. To your visitor to obtain the lounge profit, you, the cardholder, have to be current with them.

Do bank card approved customers get lounge entry? In case you have a companion or dependent who’s a certified person in your bank card, most playing cards will grant this person the identical lounge privileges because the cardholder. You’ll want to verify the precise card phrases to substantiate. 

Some bank cards with lounge entry cost a excessive charge so as to add a further individual, such because the American Specific Platinum card. Whereas different playing cards just like the Citi AAdvantage Govt World Elite Mastercard will can help you present your Admirals Membership lounge entry advantages to as much as 10 extra customers (by making them extra cardholders in your card).

Are there different playing cards price contemplating?

Along with our high suggestions above for bank cards providing lounge entry, there are various different choices to contemplate. These could also be higher suited to fulfill your wants for those who’re trying to acquire unique entry to 1 explicit airline’s membership, are in search of a enterprise card, or are a much less frequent traveler.

  • American Specific Enterprise Platinum Card: Comparable lounge advantages as American Specific Platinum private card

  • Hilton Honors American Specific Card: 10 Precedence Go Choose passes a yr

  • United Membership Infinite Card: Entry for cardholder and two company into United Golf equipment (excluding Polaris places)

  • United Explorer Card: Two one-time United Membership passes per yr (no company)

  • United Membership Enterprise Card: United Membership membership with two company.

  • American Specific Inexperienced Card: $100 LoungeBuddy credit score

  • U.S. Financial institution Altitude Reserve Card: Precedence Go choose membership with 4 lounge visits and 4 visitor passes yearly

  • Capital One Enterprise Card: Two free Capital One lounge visits per yr, and particular pricing of $45 per extra go to or visitor

  • Capital One Spark Miles Card: Two free Capital One lounge visits per yr, and particular pricing of $45 per extra go to or visitor

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