Best Business Credit Cards Airport Lounge Access

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Getting through an airport efficiently is for busy business travelers, and the right credit card can provide the comfort amenities to maximize your time there. Business cards that airport lounge access enable you to escape the terminal crowds and enjoy spaces like private work areas, free food and drinks, and more.

With our top picks providing entry to thousands of lounges worldwide, having one of the best business credit cards with airport lounge access in your wallet is a smart move for any jet-setting professional.

But if you are looking for a personal (non-business) card, check out our list of the best credit cards for airport lounge access.

Best Overall Lounge Card: The Business Platinum Card® from American Express (review)

Best for Everyday Spending: Capital One Venture X Business (review)

1. The Business Platinum Card® from American Express

Best for Airport Lounge Access

Best for Airport Lounge Access
The Business Platinum Card® from American Express
  • bonus_miles_full
  • 5X Points on Flights and Prepaid Hotels Booked Via AmexTravel.com
  • Airport Lounge Access at Centurion Lounges, Delta Sky Clubs when Flying Delta, Escape, Plaza Premium, and Priority Pass (Access is limited to eligible Card Members).
  • $895 Annual Fee & No Foreign Transaction Fees (Rates & Fees)
Learn More Our Review
American Express is a Deals Points Advertiser; Terms Apply; Enrollment is Required for Some Benefits.

The Business Platinum Card® from American Express (reviewdelivers premium travel benefits including extensive lounge access (access is limited to eligible card members) and valuable hotel elite status. This premium business card excels at making travel more luxurious, though you’ll need to use multiple statement credits and travel perks to maximize its value.

Welcome Bonus: bonus_miles_full

Earn Rewards: 5x points for flights, prepaid hotels booked at AmexTravel.com; 2x points per dollar for purchases up to $2 million in spending per calendar year in these categories: purchases of $5,000 or more regardless of category, U.S. cloud service and software providers, U.S. construction materials and hardware suppliers, U.S. electronics retailers, and U.S. shipping providers; and 1x points on all other eligible purchases.

Card Benefits:

  • Statement Credits: You’ll earn numerous statement credits including $250 for Adobe purchases after spending $600, up to $200 for airline incidentals, up to $209 for Clear Plus membership, up to $1,150 for Dell purchases ($150 in credits plus $1,000 after spending $5,000), Global Entry or TSA PreCheck credit, up to $200 for Hilton purchases ($50 quarterly with required Hilton for Business membership), up to $600 for Fine Hotels & Resorts and Hotel Collection bookings ($300 biannually with minimum two-night stays required for Hotel Collection), up to $360 for Indeed hiring services ($90 quarterly), and up to $120 for wireless telephone services ($10 monthly from any U.S. provider).
  • Airport Lounge Access: American Express Centurion Lounges, Delta Sky Club when flying Delta (limited to 10 annual visits unless you spend $75,000 in a calendar year), Priority Pass, Escape Lounges, and Select Lufthansa Lounge when flying Lufthansa Group airlines. (Access is limited to eligible Card Members)
  • Elite Status: Marriott Gold, Hilton Gold, Hertz’s President’s Circle, National Emerald Club Executive, and Avis Preferred Plus.
  • Other Benefits: No preset spending limit, baggage insurance plan, trip cancellation and delay insurance, secondary rental car insurance, no foreign transaction fees, extended warranty, return protection, purchase protection, and cell phone protection. 

Transfer Partners: Aer Lingus, AeroMexico, Air Canada Aeroplan, ANA, Avianca LifeMiles, British Airways, Cathay Pacific, Choice Privileges, Delta, Emirates, Etihad, Air France – KLM Flying Blue, Hawaiian Airlines, Hilton, Iberia, JetBlue, Marriott, Qantas, Qatar Airways, Singapore KrisFlyer, and Virgin Atlantic.

2. Capital One Venture X Business

Best for Everyday Spending

Capital One Venture X Business
  • bonus_miles_full
  • $300 Annual Travel Credit
  • 10,000 Anniversary Bonus Miles
  • 10X Miles on Hotels and Rental Cars and 5x Miles on Flights and Vacation Rentals through Capital One Business Travel.
  • Unlimited 2X Miles on All Other Purchases.
  • Airport Lounge Access to Capital One and Priority Pass upon enrollment.
  • $395 Annual Fee.
Learn How to Apply Our Review

The Capital One Venture X Business (review) offers premium travel benefits including unlimited lounge access and a $300 travel credit. This premium business card stands out with its simple rewards structure of at least 2x miles on all purchases, making it perfect for businesses looking to maximize travel rewards without complexity.

Welcome Bonus: bonus_miles_full

Earning Miles: 10x miles on hotels and rental cars and 5x miles on flights and vacation rentals through Capital One Business Travel; 2x miles on all other eligible purchases.

Card Benefits: $300 annual travel credit for Capital One Business Travel, 10,000 miles each account anniversary, airport lounge access upon enrollment (Priority Pass and Capital One Lounges), Global Entry / TSA PreCheck credit, no foreign transaction fees, travel insurance (trip cancellation, baggage delay, lost luggage, and primary rental car), purchase protection, and extended warranty.

Transfer Partners: Accor (2 to 1), Aeromexico, Air Canada Aeroplan, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways, Cathay Pacific, Choice Privileges, Emirates, Etihad, Finnair, I Prefer Hotels (1 to 2), Japan Airlines(2 to 1.5), JetBlue (5 to 3), Qantas, Qatar, Singapore KrisFlyer, TAP Air Portugal, Turkish Airlines, Virgin Red, and Wyndham Rewards.

3. Delta SkyMiles® Reserve Business American Express Card

Delta Sky Club Access

Airport Lounge Access
Delta SkyMiles® Reserve Business American Express Card
  • bonus_miles_full
  • 3x SkyMiles on Delta Air Lines
  • Airport Lounge Access
  • Priority Boarding and Free First Checked Bag
  • Global Entry or TSA PreCheck Credit
  • $650 Annual Fee and No Foreign Transaction Fees (Rates & Fees)
Learn How to Apply Our Review
American Express is a Deals Points advertiser. Terms Apply

The Delta SkyMiles® Reserve Business American Express Card (review) offers premium perks for frequent Delta flyers, including lounge access and a companion certificate. While it has a high annual fee, the card can provide great value through its elite status boost, upgrade priority, and travel credits for loyal Delta customers.

Welcome Bonus: bonus_miles_full

Earning SkyMiles: 3x SkyMiles on Delta Air Lines purchases; 1.5x SkyMiles on transit, shipping, and office purchases; 1.5 SkyMiles per dollar on all non-Delta purchases after spending a total of $150,000 in a calendar year; and 1x SkyMiles on all other eligible spending.

Card Benefits: 

  • Airport Lounges: Access to Delta Sky Clubs* when flying Delta and to American Express Centurion Lounges when you use your card to book your Delta flight.
  • Delta Perks: Annual companion certificate at renewal, free first checked bag and priority boarding for you and up to eight travel companions, 15% award discount, 20% back on in-flight purchases, and $250 annual Delta Stays credit.
  • Other Benefits: $240 Resy credit at U.S. Resy restaurants (up to $20 in statement credits per month; enrollment required), $120 Rideshare credit on U.S. rideshare purchases (up to $10 in statement credits per month; enrollment required); Hertz’s President’s Circle, Global Entry / TSA PreCheck credit, travel insurance (trip delay, trip cancellation, baggage insurance, secondary rental car), extended warranty, return protection, and purchase protection.

* 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 (including Grab and Go) at a per-Visit rate of $50 per person using the Card.

4. United℠ Business Card

United Club Passes

United℠ Business Card
  • Earn 75,000 bonus miles + 2,000 Premier qualifying points (PQP) after you spend $5,000 on purchases in the first 3 months
  • 2X Miles for United Airlines, Dining, Gas Stations, Office Supply Stores, Local Transit, and Commuting
  • 2 United Club One-Time Passes Per Year
  • $100 United Travel Credit
  • Free First Checked Bag and Priority Boarding
  • Primary Rental Car Insurance
  • Trip Delay and Trip Cancellation/Interruption Insurance
Learn More Our Review

The United℠ Business Card (review) packs useful perks for United flyers, including free checked bags, priority boarding, and two annual United Club passes. This practical business card proves worthwhile for small business owners who fly United even just a few times yearly.

Welcome Bonus: Earn 75,000 bonus miles + 2,000 Premier qualifying points (PQP) after you spend $5,000 on purchases in the first 3 months

Earning Miles: 2x miles on United Airlines purchases, dining (including eligible delivery services), gas stations, at United Hotels, office supply stores, local transit, and commuting; 1x miles on all other purchases.

Card Benefits: Free first checked bag, $100 United travel credit after after 7 United flight purchases of $100 or more within each card anniversary year, 5,000 anniversary bonus miles when you also have a personal United credit card, 2 United Club one-time passes each year, annual $25 FareLock credit, $100 rideshare credit, $100 JSX credit, $120 Instacart credit, $50 Avis or Budget credit, annual $100 United Hotels credit, 25% back on United inflight and Club premium drink purchases, priority boarding, no foreign transaction fees, travel insurance (primary rental car, trip delay, baggage delay, lost luggage, trip cancellation), extended warranty, and purchase protection.

Delta Sky Club
Photo: Delta Air Lines

How to Choose a Business Card for Airport Lounge Access

Choosing the right business credit card for airport lounge access involves considering several important factors:

Lounge Network Access: Evaluate the extent of the card’s lounge network. Cards like the AmEx Business Platinum offer access to a wide array of lounges worldwide, including Centurion Lounges, Priority Pass lounges, Delta Sky Club, and more.

Guest Policies: Understand the guest policies associated with the card. Some cards may offer complimentary guest access, while others may require you to pay a fee for guests. Consider how often you’ll be traveling with colleagues, clients, friends, or family.

Additional Travel Benefits: Consider the other travel-related benefits that come with the card. These can include elite status with hotel loyalty programs, travel insurance, and statement credits for travel-related expenses, which can add significant value beyond lounge access.

By carefully weighing these aspects, you can choose a business credit card that not only provides the airport lounge access you need but also delivers other valuable benefits that align with your business travel needs.

What Amenities Does Airport Lounges Offer?

Airport lounges are synonymous with comfort and convenience, offering a myriad of amenities designed to cater to travelers’ needs. Guests can enjoy a range of complimentary services, including a selection of food and beverages, high-speed Wi-Fi access for staying connected, and various seating options for relaxation or work.

Additional amenities often include clean restrooms, shower facilities to freshen up before or after a flight, and power outlets to charge electronic devices. For those seeking a quiet space, lounges provide a tranquil environment away from the crowded terminal, and some even offer luxury services such as spa treatments, private nap rooms, and personalized travel assistance.

For rates and fees of The Business Platinum Card® from American Express, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

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