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Best Credit Cards With Airport Lounge Access in 2024

Holly JohnsonWritten by
Holly Johnson
Sarah Fisher, deputy editor for LendingTreeEdited by
Sarah Fisher
Updated on:
Content was accurate at the time of publication.
We receive commissions from our advertising partners. These commissions do not influence our recommendations. Click here to learn more.
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Winner

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

The Platinum Card® from American Express

The Platinum Card® from American Express gives you access the Global Lounge Collection, which includes more than 1,400 lounges in over 600 cities worldwide. You’ll get complimentary access to lounge networks including the Centurion Lounges, Plaza Premium Lounges, Delta Sky Club, and Airspace Lounges (terms and conditions apply.)

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Best Credit Cards With Airport Lounge Access 2024

Citi is an advertising partner.
Many travel credit cards offer lounge access — this makes your airport experience more comfortable by giving you a quiet place to relax while you wait to depart. But that’s not all: Airport lounges also have complimentary internet access, food and drink that can help you save money and avoid paying for overpriced airport dining and wifi on the go.

The best airport lounge access cards also earn travel rewards and come with a range of other important perks, such as reimbursing TSA PreCheck or Global Entry fees.

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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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.5
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Over 1,400 airport lounges in more than 140 countries, including Centurion and Delta Sky Club lounges
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 for travel
  • Access to a large worldwide lounge network
  • Rewards transfer to 20-plus 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. The complimentary memberships you can get through this car include: the American Express Global Lounge Collection, which includes Priority Pass™ Select membership, exclusive access to Amex’s own Centurion lounges and entry into Delta Sky Clubs 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 (enrollment required) and upgraded hotel status with Hilton and Marriott (enrollment required).

*To see rates & fees for The Platinum Card® from American Express, please click here.
  • Lounge network(s): American Express Global Lounge Collection, Centurion Lounges, Delta Sky Club, Escape Lounges, Plaza Premium Lounges, Priority Pass Lounges (enrollment required), Lufthansa Lounges
  • Number of lounges: Over 1,500 Priority Pass airport lounges worldwide; 40-plus 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
  • 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.
  • 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 03/2023.
  • $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 get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
  • $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.¤
  • Terms Apply.
*The information related to the The Platinum Card® from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best for Priority Pass lounge access

Chase Sapphire Reserve®*

Chase Sapphire Reserve<sup>®</sup> Chase Sapphire Reserve<sup>®</sup>
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.9
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More than 1,500 Priority Pass lounges and two Chase Sapphire lounges
Annual Fee$550
Intro Purchase APRN/A
Regular Purchase APR21.99% - 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
Get Your Free Credit Score
  • Generous earning rate on travel
  • Priority Pass lounge membership
  • Access to Chase Sapphire airport lounges
  • Transfer points to 10-plus loyalty programs
  • Annual $300 travel credit
  • High $550 annual fee
  • Authorized user fee

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 1,500 Priority Pass lounge locations and two Chase Sapphire lounges available. 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 Pass™ Select and Chase Sapphire lounges
  • Number of lounges: Over 1,500 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 $4,000 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.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
  • 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 $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Member FDIC
*The information related to the Chase Sapphire Reserve® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best card with lounge access for 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
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.4
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Over 1,400 airport lounges across 140 countries, including Centurion and Delta Sky Club lounges
Annual Fee$695
Intro Purchase APRN/A
Regular Purchase APR18.74% - 27.74% 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
660-850
Good / Excellent
Get Your Free Credit Score
  • Enhanced rewards program for business expenses
  • Rewards transfer to 20+ loyalty programs
  • Access to large, worldwide network of airport lounges
  • $1,000+ worth of credits
  • High $695 annual fee
  • Limited entry in some Priority Pass locations
  • More limited acceptance of American Express cards, especially internationally

The The Business Platinum Card® from American Express offers access to many lounge networks — including Priority Pass™ Select membership and Amex Centurion lounges, as well as Delta Sky Clubs when you fly with that airline. While a $695 annual fee applies, business owners with this card get valuable business credits, like up to $400 in credits from Dell and up to $360 in credits with Indeed (enrollment required).

  • Lounge network(s): American Express Global Lounge Collection, Centurion Lounges, Delta Sky Club, Escape Lounges, Plaza Premium Lounges, Priority Pass Lounges (enrollment required), Lufthansa Lounges
  • Number of lounges: Over 1,500 Priority Pass airport lounges worldwide; 40-plus 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
*To see rates & fees for The Business Platinum Card® from American Express, please click here.
  • 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.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on 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.
  • 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®, here.
  • $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 the Card.
  • $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®.
  • 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 03/2023.
  • $695 Annual Fee.
  • Terms Apply.
*The information related to the The Business Platinum Card® from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best credit card for 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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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.9
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Access to more than 100 international lounges
Annual Fee$395
Intro Purchase APRN/A
Regular Purchase APR19.99% - 29.74% (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
  • Earn miles at a high rate on every purchase
  • Access Capital One lounges in addition to Priority Pass and Plaza Premium
  • Points transfer to 10+ loyalty programs
  • $300 annual travel credit
  • 10,000 mile anniversary bonus
  • Free cards for authorized users
  • High $395 annual fee
  • No major U.S. airline transfer partners

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 Pass Select membership and Plaza Premium lounge access that gives you visiting privileges to more than 1,300 lounges worldwide. You can also enter a handful of Capital One airport lounges, and all lounges let you bring up to two guests.

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 Pass™ Select, Plaza Premium Group, Capital One
  • 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
  • Guest policy: Primary cardholders and authorized users are allowed a maximum of two guests per visit
  • When can you access lounges? Lounge access is for same-day travel only
  • 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
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges 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
*The information related to the Capital One Venture X Rewards Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms 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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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4
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Access to around 100 Admirals Club and partner lounges worldwide
Annual Fee$595
Intro Purchase APRN/A
Regular Purchase APR20.49% - 29.49% (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
  • Generous airline rewards program
  • Admirals Club membership
  • Guest policy for lounges
  • Travel benefits
  • No foreign transaction fees
  • 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. While a $595 annual fee applies, 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, security, 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.

Best credit card for Delta Sky Club 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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on American Express's secure site

Delta SkyClub 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
  • Two guest passes
  • Annual companion certificate
  • Comes with frequent flyer perks
  • High $650 annual fee
  • Limited international lounge options
  • Lounge access limits starting on February 1, 2025

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 the member pays for their Delta flight with their card. 

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

Starting in February 2025, Delta will limit cardmembers to 15 SkyClub visits per year. However, in 2024, Delta SkyClub access is unlimited for Delta SkyMiles® Reserve American Express Cardholders.

  • Lounge network(s): Delta SkyClub, Centurion
  • Number of lounges: 50+ Delta SkyClub Lounges, 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 two 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
*To see rates & fees for Delta SkyMiles® Reserve American Express Card, please click here.
  • 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.
  • Enjoy complimentary access to the Delta Sky Club® when you fly Delta. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits at a per-Visit rate of $50 per person using the Card.
  • Receive four Delta Sky Club® One-Time Guest Passes each year when you fly Delta so you can share the experience with family and friends.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
  • Receive a Companion Certificate on a Main Cabin round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for round-trip domestic flights and no more than $250 for round-trip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • $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 Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
  • Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • 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.
*The information related to the Delta SkyMiles® Reserve American Express Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best credit card for United Club lounge access

United Club℠ Infinite Card*

United Club℠ Infinite Card United Club℠ Infinite Card
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3.9
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Access to over 45 United lounges, five United Polaris lounges and partner lounges
Annual Fee$525
Intro Purchase APRN/A
Regular Purchase APR21.49% - 28.49% 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
720-850
Excellent
Get Your Free Credit Score
  • United Club membership
  • United airline perks
  • Car rental elite status
  • MileagePlus program benefits
  • High $525 annual fee
  • Limited lounge options worldwide

United fans will love the United Club℠ Infinite 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 or TSA PreCheck fee credit. The annual fee on this card is $525, whereas paying for United Club membership costs a minimum of $650.

  • Lounge network(s): United Club
  • Number of lounges: Over 45 United Club lounges, five 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
  • Limited-time Offer: Earn 90,000 bonus miles
  • 4x miles on United® purchases
  • 2x miles on all other travel and dining
  • 1x mile on all other purchases
  • United Club℠ membership - up to $650 value per year
  • Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services
  • Earn up to 10,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
  • Member FDIC
*The information related to the United Club℠ Infinite Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best hotel credit card with lounge access

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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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4
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1,500-plus Priority Pass airport lounges 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
Get Your Free Credit Score
  • Generous rewards on Marriott stays
  • Up to $300 dining credit (up to $25 monthly)
  • Priority Pass 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 Pass 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 Pass Select
  • Number of lounges: 1,500-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
*To see rates & fees for Marriott Bonvoy Brilliant® American Express® Card, please click here.
*Enrollment required for these benefits.
  • Earn 95,000 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 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 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.
  • Terms Apply.
*The information related to the Marriott Bonvoy Brilliant® American Express® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

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 The Platinum Card® from American Express, Chase Sapphire Reserve®, The Business Platinum Card® from American Express, Capital One Venture X Rewards Credit Card, Citi® / AAdvantage® Executive World Elite Mastercard®, Delta SkyMiles® Reserve American Express Card, United Club℠ Infinite Card, Marriott Bonvoy Brilliant® American Express® Card and United℠ Business Card has been 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.

Holly Johnson

Holly Johnson is a personal finance writer who has been covering credit cards, loan products, debt, and budgeting for nine years. The founder of ClubThrifty.com, Johnson is also the author of “Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love,” which is available on Amazon.

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