The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Credit Cards
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. While we do receive compensation through our credit card application links, ads and clearly indicated sponsored content, our editorial content, points valuations and card analyses are entirely our own. Learn more about our advertising policy and product review methodology.
Best for premium travel perks and digital entertainment
Our top picks for the best credit cards from our partners with airport lounge access can elevate your experience the next time you fly. Airport lounges are great places to relax and recharge your devices before a flight and typically offer complimentary refreshments and private bathrooms — which can be a great perk when you find yourself on a long layover.
While you can pay for access to many lounges, it’s also a benefit on select credit cards.
There are multiple types of airline lounge access you can get with a credit card. Some cards will get you into airline-specific lounges — like Delta Air Lines’ Sky Clubs or American Airlines’ Admirals Clubs. Other cards include Plaza Premium access or a Priority Pass Select membership, which grant entry into curated collections of lounges worldwide. Issuers themselves have also gotten into the game, with American Express Centurion lounges, Capital One lounges and Chase Sapphire lounges opening their doors in recent years.
If you’re looking for a more relaxed experience than the hectic environment of an airport terminal, our team of experts has compiled the list below of the best credit cards with airport lounge access to enhance your flight experience ahead of your next flight.
Credit pointers with Brian Kelly
59 sec video
The best lounge access cards feature solid welcome bonuses that let you quickly accrue a points or miles.
We considered cards across the annual fee spectrum to provide an option for various budgets and types of travelers.
Some of our top picks are premium travel cards which offer lucrative earning rates that add up quickly.
The best airport lounge access cards not only provide access to lounges around the world, they also let you redeem earned rewards in various ways.
Our top picks consider what other perks you have access to once you're a cardholder. This includes lucrative earning rates, insurance and other protections.
Lounge access is an essential perk for frequent travelers. According to a TPG newsletter survey, a whopping 80% of our readers rank lounge access as one of the top three most valuable card benefits. From a quiet place to work to a peaceful space to unwind during your layover, lounge access can make for an easy — and, dare we say — relaxing travel experience.
To choose the best airport lounge access card, consider factors like how often you travel and what you want to get out of a lounge. This could be access to things like premium WiFi or the ability to enjoy a meal and drinks at no additional cost. If you want to freshen up with a shower — or even a nap — there are some lounges that offer the ability to do these things, too.
Here are some of the main points to consider when choosing a credit card:
Look for a credit card that provides access to a wide network of airport lounges that align with your travel habits and destinations.
Understand the eligibility criteria for accessing the lounges with the credit card, which may include flying on a specific airline or alliance, having status in an airline loyalty program, or meeting a minimum spending requirement.
Having guest access can be beneficial if you frequently travel with a companion. If the card does not allow guest access, your travel companion may consider getting their own card with lounge access.
Having the right card, for example, can (literally) open up the door to great lounges
Airport lounges typically offer a more relaxed and comfortable environment to prepare for your flight than the crowded terminal. They provide comfortable seating, quiet areas, Wi-Fi access, charging points, complimentary food and beverages, and sometimes even showers and spa facilities.
If you have to work or need a quiet space to relax before your flight, airport lounges can provide a more conducive environment than a busy terminal. For those travelers who frequently experience flight delays or have long layovers, access to an airport lounge can make your wait more comfortable and enjoyable. However, check access times to see how early you can access a lounge before your next flight.
To start your journey as comfortably as possible, away from the chaos of a busy airport terminal, these are the best credit cards with airport lounge access to elevate your experience ahead of your next flight:
Depending on how frequently you travel, the airports you visit and the airlines you fly, having multiple cards that offer access to different lounge networks may make sense. Since you can only access Delta Air Lines, United Airlines and American Airlines lounges when flying those specific carriers, having the correct credit card for lounge access is essential.
You can cover your bases by holding a card that offers airline-specific lounge access for your favorite airline and another card that offers independent lounge access when flying other airlines that do not partner with your preferred airline.
Related: 4 reasons why the Amex Platinum might be the ideal credit card for Delta flyers
The easiest way to get free airport lounge access is to sign up for a credit card that offers lounge access as a complimentary perk. However, you can snag airport lounge access with some types of airline elite status.
Priority Pass is an airport lounge membership program that provides members with access to more than 1,300 airport lounges — and sometimes non-lounge experiences such as restaurants — around the world. With a Priority Pass membership, you can visit some of the best Priority Pass lounges regardless of the airline you’re flying or your ticket class. You can even access Priority Pass lounges when you’re flying in economy class on a low-cost airline.
If you have Priority Pass access benefits through a credit card, you’ll usually need to enroll in Priority Pass Select. However, the access policies vary across cards, so be sure to determine what benefits your card offers before heading to the airport. For example, Priority Pass Select memberships for American Express cards don’t cover visits to restaurant lounges. And cards with lower annual fees often only offer 10 complimentary lounge visits per year.
Related: The best credit cards for Priority Pass lounge access
Enrollment required for select benefits.
Centurion Lounges are high-end lounges accessible to select American Express cardmembers. These lounges are often known for offering locally curated, high-quality dining and drinks. Some Centurion Lounges even provide other perks, including spa services and wine tasting.
Airport lounges typically provide access to seating, power, Wi-Fi, nonalcoholic drinks and snacks for no additional charge. However, some airport lounges offer other amenities such as meals, spa services, shower rooms, meeting rooms and alcoholic drinks. And in some cases, these additional amenities are also complimentary for anyone who has access to the lounge.
Best for premium travel perks and digital entertainment
| Rate | Category |
|---|---|
| 5X | Earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year. |
As High As 175,000 points. Find Out Your Offer.
$895
See Pay Over Time APR
Good to Excellent
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Best for premium travel perks and digital entertainment
As High As 175,000 points. Find Out Your Offer.
$895
See Pay Over Time APR
Good to Excellent
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Best for premium travel
| Rate | Category |
|---|---|
| 10 Miles | 10 Miles per dollar on hotels and rental cars booked through Capital One Travel |
| 5 Miles | 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel |
| 2 Miles | 2 Miles per dollar on every purchase, every day |
Earn 75,000 bonus miles
$395
19.74% - 28.74% (Variable)
740-850
If you can maximize the $300 annual credit towards bookings through Capital One Travel, the Venture X’s annual fee effectively comes down to $95. Add in a 10,000-mile bonus every account anniversary (worth $185, according to TPG valuations), and the card may become the strongest option out there for a lot of travelers. Read our full review of the Capital One Venture X Rewards Credit Card.
If you can maximize the $300 annual credit towards bookings through Capital One Travel, the Venture X’s annual fee effectively comes down to $95. Add in a 10,000-mile bonus every account anniversary (worth $185, according to TPG valuations), and the card may become the strongest option out there for a lot of travelers. Read our full review of the Capital One Venture X Rewards Credit Card.
Best for premium travel
Earn 75,000 bonus miles
$395
19.74% - 28.74% (Variable)
740-850
Excellent
If you can maximize the $300 annual credit towards bookings through Capital One Travel, the Venture X’s annual fee effectively comes down to $95. Add in a 10,000-mile bonus every account anniversary (worth $185, according to TPG valuations), and the card may become the strongest option out there for a lot of travelers. Read our full review of the Capital One Venture X Rewards Credit Card.
Best for business owners who prioritize premium travel perks
| Rate | Category |
|---|---|
| 5X | Earn 5X points on flights and prepaid hotels on AmexTravel.com. |
| 2X | Earn 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. |
| 1X | Earn 1X points on other eligible purchases. |
As High As 300,000 points. Find Out Your Offer.
$895
17.99% - 28.74% Variable
Good to Excellent
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
Best for business owners who prioritize premium travel perks
As High As 300,000 points. Find Out Your Offer.
$895
17.99% - 28.74% Variable
Good to Excellent
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
Best for travel and dining combined
| Rate | Category |
|---|---|
| 8x | Earn 8x points on all purchases through Chase Travel℠, including The Edit℠. |
| 4x | Earn 4x points on flights and hotels booked direct. |
| 3x | Earn 3x points on dining worldwide. |
| 1x | Earn 1x points on all other purchases. |
100,000 bonus points.
$795
19.74% - 28.24% Variable
740-850
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $3,000 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $3,000 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
Best for travel and dining combined
100,000 bonus points.
$795
19.74% - 28.24% Variable
740-850
Excellent
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $3,000 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
Best for businesses with high-spending
| Rate | Category |
|---|---|
| 2X miles | 2 miles per dollar on every purchase |
| 5X miles | 5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel |
| 10X miles | 10 miles per dollar on hotels and rental cars booked through Capital One Business Travel |
Earn 150,000 bonus miles
$395
25.99% (Variable)
740-850
The Capital One Venture X business card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit and lounge access. Read our full review of the Capital One Venture X Business card.
The Capital One Venture X business card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit and lounge access. Read our full review of the Capital One Venture X Business card.
Best for businesses with high-spending
Earn 150,000 bonus miles
$395
25.99% (Variable)
740-850
Excellent
The Capital One Venture X business card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit and lounge access. Read our full review of the Capital One Venture X Business card.
Best for Delta flyers
| Rate | Category |
|---|---|
| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Earn 2 Delta Comfort Flight Certificates + 50K Miles
$650
19.74%-28.74% Variable
Excellent to Good
The Delta SkyMiles Reserve American Express Card is the premier choice for Delta loyalists who value an accelerated path to elite status, Delta SkyClubs lounge access, an annual companion certificate and strong earning rates on Delta purchases. Read our full review of the Delta SkyMiles Reserve Amex Card.
The Delta SkyMiles Reserve American Express Card is the premier choice for Delta loyalists who value an accelerated path to elite status, Delta SkyClubs lounge access, an annual companion certificate and strong earning rates on Delta purchases. Read our full review of the Delta SkyMiles Reserve Amex Card.
Best for Delta flyers
Earn 2 Delta Comfort Flight Certificates + 50K Miles
$650
19.74%-28.74% Variable
Excellent to Good
The Delta SkyMiles Reserve American Express Card is the premier choice for Delta loyalists who value an accelerated path to elite status, Delta SkyClubs lounge access, an annual companion certificate and strong earning rates on Delta purchases. Read our full review of the Delta SkyMiles Reserve Amex Card.
Best for A premium card with flexible perks for frequent Oneworld flyers
| Rate | Category |
|---|---|
| 3 points | Earn unlimited 3 points for every $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases. |
| 1 point | Earn unlimited 1 point per $1 spent on all other purchases. |
Limited-time online offer – 70,000 bonus points
$395
19.74% - 27.74% Variable APR on purchases and balance transfers
670-850
The Atmos™ Rewards Summit Visa Infinite® credit card features a great welcome bonus and valuable travel perks, making it a premium contender among similar cobranded airline cards in its class.
The Atmos™ Rewards Summit Visa Infinite® credit card features a great welcome bonus and valuable travel perks, making it a premium contender among similar cobranded airline cards in its class.
Best for A premium card with flexible perks for frequent Oneworld flyers
Limited-time online offer – 70,000 bonus points
$395
19.74% - 27.74% Variable APR on purchases and balance transfers
670-850
Excellent/Good
The Atmos™ Rewards Summit Visa Infinite® credit card features a great welcome bonus and valuable travel perks, making it a premium contender among similar cobranded airline cards in its class.
Best for American Airlines lounge access
| Rate | Category |
|---|---|
| 4X | Earn 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases. |
| 1X | 1 AAdvantage® miles for every $1 spent on other purchases |
For a limited time, earn 125,000 American Airlines AAdvantage® bonus miles
$695
19.74% - 29.74% (Variable)
670-850
The Citi / AAdvantage Executive World Legend Mastercard is the only credit card that includes an American Airlines Admirals Club membership, making it a compelling option for frequent AA flyers. Beyond lounge access, the primary cardmember can receive up to $500 in annual American Airlines Vacations credits, complimentary Omni Hotels & Resorts Champion Status and up to $100 in annual credits for eligible inflight and Admirals Club purchases. The card also offers priority airport benefits, a first checked bag free on eligible domestic itineraries and other travel perks. (Partner offer)
The Citi / AAdvantage Executive World Legend Mastercard is the only credit card that includes an American Airlines Admirals Club membership, making it a compelling option for frequent AA flyers. Beyond lounge access, the primary cardmember can receive up to $500 in annual American Airlines Vacations credits, complimentary Omni Hotels & Resorts Champion Status and up to $100 in annual credits for eligible inflight and Admirals Club purchases. The card also offers priority airport benefits, a first checked bag free on eligible domestic itineraries and other travel perks. (Partner offer)
Best for American Airlines lounge access
For a limited time, earn 125,000 American Airlines AAdvantage® bonus miles
$695
19.74% - 29.74% (Variable)
670-850
Excellent, Good
The Citi / AAdvantage Executive World Legend Mastercard is the only credit card that includes an American Airlines Admirals Club membership, making it a compelling option for frequent AA flyers. Beyond lounge access, the primary cardmember can receive up to $500 in annual American Airlines Vacations credits, complimentary Omni Hotels & Resorts Champion Status and up to $100 in annual credits for eligible inflight and Admirals Club purchases. The card also offers priority airport benefits, a first checked bag free on eligible domestic itineraries and other travel perks. (Partner offer)
Best for Delta business travelers
| Rate | Category |
|---|---|
| 3X | Earn 3 miles per dollar on eligible Delta purchases. |
Earn 200,000 Bonus Miles
$650
19.74% - 28.74% Variable
Excellent to Good
If you’re a high-budget business owner and fly Delta often, the Delta SkyMiles Reserve Business American Express Card is an elite airline card with a sleuth of benefits. While the card does come with a high annual fee, the impressive benefits including exclusive Delta SkyClub and Amex Centurion lounge access, free first checked bag on Delta flights worldwide and free second checked bag on U.S. domestic Delta flights, priority boarding and a fast track to Delta’s elite Medallion flying status by spending a considerable amount on the card.
If you’re a high-budget business owner and fly Delta often, the Delta SkyMiles Reserve Business American Express Card is an elite airline card with a sleuth of benefits. While the card does come with a high annual fee, the impressive benefits including exclusive Delta SkyClub and Amex Centurion lounge access, free first checked bag on Delta flights worldwide and free second checked bag on U.S. domestic Delta flights, priority boarding and a fast track to Delta’s elite Medallion flying status by spending a considerable amount on the card.
Best for Delta business travelers
Earn 200,000 Bonus Miles
$650
19.74% - 28.74% Variable
Excellent to Good
If you’re a high-budget business owner and fly Delta often, the Delta SkyMiles Reserve Business American Express Card is an elite airline card with a sleuth of benefits. While the card does come with a high annual fee, the impressive benefits including exclusive Delta SkyClub and Amex Centurion lounge access, free first checked bag on Delta flights worldwide and free second checked bag on U.S. domestic Delta flights, priority boarding and a fast track to Delta’s elite Medallion flying status by spending a considerable amount on the card.
Best for earning AAdvantage miles without flying
| Rate | Category |
|---|---|
| 12X | Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com. |
| 6X | Earn 6 Points per $1 spent on Air Travel booked on cititravel.com. |
| 6X | Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time. |
| 1.5X | Earn 1.5 Points per $1 spent on All Other Purchases. |
Earn 75,000 bonus Points
$595
20.74% - 28.74% (Variable)
740-850
Citi Strata Elite℠ Card is a premium travel card that balances premium benefits alongside flexible lifestyle perks. It offers elevated earning rates on Citi Travel bookings, a generous mix of travel and lifestyle statement credits and exclusive 1:1 point transfers to American Airlines AAdvantage — something no other issuer currently provides. With unique benefits like four Admirals Club passes and elevated weekend dining rewards, the card delivers strong value for those who fly American Airlines a few times a year or frequently book through Citi’s travel portal. While the $595 annual fee is steep, the credits and perks can easily outweigh the cost for the right cardholder.
Citi Strata Elite℠ Card is a premium travel card that balances premium benefits alongside flexible lifestyle perks. It offers elevated earning rates on Citi Travel bookings, a generous mix of travel and lifestyle statement credits and exclusive 1:1 point transfers to American Airlines AAdvantage — something no other issuer currently provides. With unique benefits like four Admirals Club passes and elevated weekend dining rewards, the card delivers strong value for those who fly American Airlines a few times a year or frequently book through Citi’s travel portal. While the $595 annual fee is steep, the credits and perks can easily outweigh the cost for the right cardholder.
Best for earning AAdvantage miles without flying
Earn 75,000 bonus Points
$595
20.74% - 28.74% (Variable)
740-850
Excellent
Citi Strata Elite℠ Card is a premium travel card that balances premium benefits alongside flexible lifestyle perks. It offers elevated earning rates on Citi Travel bookings, a generous mix of travel and lifestyle statement credits and exclusive 1:1 point transfers to American Airlines AAdvantage — something no other issuer currently provides. With unique benefits like four Admirals Club passes and elevated weekend dining rewards, the card delivers strong value for those who fly American Airlines a few times a year or frequently book through Citi’s travel portal. While the $595 annual fee is steep, the credits and perks can easily outweigh the cost for the right cardholder.
Best for United Club access
| Rate | Category |
|---|---|
| 11x | Earn 11x total miles on eligible United flights. |
| 5x | Earn 5x miles on all other eligible United® purchases. |
| 2x | Earn 2x miles on dining and all other travel. |
| 1x | Earn 1x mile on all other purchases. |
Earn up to 100,000 miles
$695
19.99% - 28.49% Variable
Excellent Credit
Only the United Club Card grants you complimentary United Club lounge membership, worth up to $750 per year. Although this card comes with a steep $695 annual fee, the lounge benefit alone can more than cover this annual cost. Not to mention the other ongoing perks of this card, from two free checked bags and up to $120 statement credit for Global Entry or TSA Precheck. For frequent United flyers, this card can provide tons of value each year. Read our full review of the United Club Card.
Only the United Club Card grants you complimentary United Club lounge membership, worth up to $750 per year. Although this card comes with a steep $695 annual fee, the lounge benefit alone can more than cover this annual cost. Not to mention the other ongoing perks of this card, from two free checked bags and up to $120 statement credit for Global Entry or TSA Precheck. For frequent United flyers, this card can provide tons of value each year. Read our full review of the United Club Card.
Best for United Club access
Earn up to 100,000 miles
$695
19.99% - 28.49% Variable
Excellent Credit
Only the United Club Card grants you complimentary United Club lounge membership, worth up to $750 per year. Although this card comes with a steep $695 annual fee, the lounge benefit alone can more than cover this annual cost. Not to mention the other ongoing perks of this card, from two free checked bags and up to $120 statement credit for Global Entry or TSA Precheck. For frequent United flyers, this card can provide tons of value each year. Read our full review of the United Club Card.
Best for mid-tier American Airlines rewards
| Rate | Category |
|---|---|
| 6X | Earn 6 AAdvantage® miles for every $1 spent on eligible hotels booked through aadvantagehotels.com. |
| 3X | Earn 3 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. |
| 2X | Earn 2 AAdvantage® miles for every $1 spent at restaurants, including takeout and delivery. |
| 1X | Earn 1 AAdvantage® miles for every $1 spent on all other purchases. |
Earn 60,000 American Airlines AAdvantage® bonus miles
$350
19.74% - 29.74% (Variable)
Good, Excellent Credit
The Citi AAdvantage Globe Mastercard is a mid-tier travel card designed for American Airlines flyers. It stands out for its combination of travel perks and value, offering Four Admirals Club Globe passes each calendar year (worth over $300), one annual American Airlines Companion Certificate after card renewal and up to $100 in statement credits on inflight purchases made on qualifying American Airlines flights each calendar year.
Cardholders also enjoy preferred Group 5 boarding on American Airlines flights, up to $240 in annual Turo credits (up to $30 in statement credits for each eligible completed trip on Turo) and access to Citi Entertainment presales and experiences, making it a well-rounded option for travelers who want premium perks without the premium price tag.
The card also stands out for its Flight Streak bonus, rewarding cardmembers with 5,000 points after every four qualifying American Airlines flights for up to 15,000 additional points each status-qualifying year. This is the only card currently available that offers this feature.
The Citi AAdvantage Globe Mastercard is a mid-tier travel card designed for American Airlines flyers. It stands out for its combination of travel perks and value, offering Four Admirals Club Globe passes each calendar year (worth over $300), one annual American Airlines Companion Certificate after card renewal and up to $100 in statement credits on inflight purchases made on qualifying American Airlines flights each calendar year.
Cardholders also enjoy preferred Group 5 boarding on American Airlines flights, up to $240 in annual Turo credits (up to $30 in statement credits for each eligible completed trip on Turo) and access to Citi Entertainment presales and experiences, making it a well-rounded option for travelers who want premium perks without the premium price tag.
The card also stands out for its Flight Streak bonus, rewarding cardmembers with 5,000 points after every four qualifying American Airlines flights for up to 15,000 additional points each status-qualifying year. This is the only card currently available that offers this feature.
Best for mid-tier American Airlines rewards
Earn 60,000 American Airlines AAdvantage® bonus miles
$350
19.74% - 29.74% (Variable)
Good, Excellent Credit
The Citi AAdvantage Globe Mastercard is a mid-tier travel card designed for American Airlines flyers. It stands out for its combination of travel perks and value, offering Four Admirals Club Globe passes each calendar year (worth over $300), one annual American Airlines Companion Certificate after card renewal and up to $100 in statement credits on inflight purchases made on qualifying American Airlines flights each calendar year.
Cardholders also enjoy preferred Group 5 boarding on American Airlines flights, up to $240 in annual Turo credits (up to $30 in statement credits for each eligible completed trip on Turo) and access to Citi Entertainment presales and experiences, making it a well-rounded option for travelers who want premium perks without the premium price tag.
The card also stands out for its Flight Streak bonus, rewarding cardmembers with 5,000 points after every four qualifying American Airlines flights for up to 15,000 additional points each status-qualifying year. This is the only card currently available that offers this feature.
Best for United business travelers
| Rate | Category |
|---|---|
| 8x | Earn 8x total miles on eligible United® flights. |
| 2x | Earn 2x miles on all other eligible United® purchases. |
| 2x | Earn 2x miles on dining, at gas stations, office supply stores and on local transit and commuting. |
| 1x | Earn 1x mile on all other purchases. |
Earn up to 100,000 miles + 2,000 PQP
$150
19.99% - 28.49% Variable
Good Credit, Excellent Credit
If you’re a business owner, the United Business card offers excellent benefits for United flyers while charging a low annual fee. Read our full review of the United Business Card.
If you’re a business owner, the United Business card offers excellent benefits for United flyers while charging a low annual fee. Read our full review of the United Business Card.
Best for United business travelers
Earn up to 100,000 miles + 2,000 PQP
$150
19.99% - 28.49% Variable
Good Credit, Excellent Credit
If you’re a business owner, the United Business card offers excellent benefits for United flyers while charging a low annual fee. Read our full review of the United Business Card.
Ben Smithson is a senior writer for TPG and is based in London. Originally from Australia and a qualified lawyer with a financial services background, he has almost a decade of experience writing about a broad range of travel and loyalty topics.
Best for business travel rewards
The Chase Sapphire Reserve for Business℠ is a top choice for business owners who prioritize travel and premium perks. It offers elevated rewards, including 8 points per dollar spent through Chase Travel℠ and 4 points per dollar spent on flights and hotels booked direct.
Cardmembers also receive flexible statement credits totalling over $2,500 annually, including more than $1,300 in travel value and $1,200 towards business services. These credits cover a wide range of expenses, such as a $300 annual travel credit and a $400 ZipRecruiter hiring credit.
While the card carries a high annual fee, its broad range of benefits and generous earning potential make it a solid choice for businesses with frequent travel and significant spending needs.
Best for business travel rewards
| Credit card | Best for | Intro offer | Earning rate | Annual fee | Apply |
|---|---|---|---|---|---|
| premium travel perks and digital entertainment | As High As 175,000 points. Find Out Your Offer. | 5X points | $895 | Apply now at American Express's secure siteSee rates & fees | |
Offer Extended | |||||
Limited-Time Offer | |||||
Limited-Time Offer | |||||
Offer Ends Soon | |||||
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Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
Matt Moffitt is a contributing editor and expert in getting the most out of credit cards and points (he carries at least 25 cards in his wallet at any given time). Originally from Sydney, Australia, he won the Green Card Lottery and lived in Austin, Texas for 10 years before relocating to Spain in 2025.
Compliance associate Paige Balcom joined TPG in 2022 and has spent her time working in the credit card industry reviewing content across sites such as CNET, CreditCards.com and Bankrate. She has used her knowledge to train new writers and other compliance members on the intricacies of compliance across multiple brands and partners.
| Rate | Category |
|---|---|
| 8x | Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours. |
| 5x | Earn 5x total points on Lyft rides through 9/30/27. |
| 4x | Earn 4x points on flights & hotels booked direct. |
| 3x | Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26. |
| 1x | Earn 1x points on all other purchases. |
Earn 200,000 bonus points
$795
Flex for Business Variable APR: 17.99% - 28.74%
Good Credit, Excellent Credit
The Chase Sapphire Reserve for Business℠ is a top choice for business owners who prioritize travel and premium perks. It offers elevated rewards, including 8 points per dollar spent through Chase Travel℠ and 4 points per dollar spent on flights and hotels booked direct.
Cardmembers also receive flexible statement credits totalling over $2,500 annually, including more than $1,300 in travel value and $1,200 towards business services. These credits cover a wide range of expenses, such as a $300 annual travel credit and a $400 ZipRecruiter hiring credit.
While the card carries a high annual fee, its broad range of benefits and generous earning potential make it a solid choice for businesses with frequent travel and significant spending needs.
Earn 200,000 bonus points
$795
Flex for Business Variable APR: 17.99% - 28.74%
Good Credit, Excellent Credit
The Chase Sapphire Reserve for Business℠ is a top choice for business owners who prioritize travel and premium perks. It offers elevated rewards, including 8 points per dollar spent through Chase Travel℠ and 4 points per dollar spent on flights and hotels booked direct.
Cardmembers also receive flexible statement credits totalling over $2,500 annually, including more than $1,300 in travel value and $1,200 towards business services. These credits cover a wide range of expenses, such as a $300 annual travel credit and a $400 ZipRecruiter hiring credit.
While the card carries a high annual fee, its broad range of benefits and generous earning potential make it a solid choice for businesses with frequent travel and significant spending needs.
| premium travel |
| Earn 75,000 bonus miles |
| 2 - 10X miles |
| $395 |
| at Capital One's secure siteSee rates & fees |
| business owners who prioritize premium travel perks |
| As High As 300,000 points. Find Out Your Offer. |
| 1 - 5X points |
| $895 |
| at American Express's secure siteSee rates & fees |
| travel and dining combined |
| 100,000 bonus points. |
| 1 - 8X points |
| $795 |
| at Chase's secure siteSee rates & fees |
| businesses with high-spending |
| Earn 150,000 bonus miles |
| 2 - 10X miles |
| $395 |
| at Capital One's secure siteSee rates & fees |
| business travel rewards |
| Earn 200,000 bonus points 150,000 bonus points |
| 1 - 8X points |
| $795 |
| at Chase's secure siteSee rates & fees |
| Delta flyers |
| Earn 2 Delta Comfort Flight Certificates + 50K Miles |
| 1 - 3X miles |
| $650 |
| at American Express's secure siteSee rates & fees |
| A premium card with flexible perks for frequent Oneworld flyers |
| Limited-time online offer – 70,000 bonus points |
| 1 - 3X points |
| $395 |
| at Bank of America's secure site |
| American Airlines lounge access |
| For a limited time, earn 125,000 American Airlines AAdvantage® bonus miles |
| 1 - 4X miles |
| $695 |
| at Citi's secure siteSee rates & fees |
| Delta business travelers |
| Earn 200,000 Bonus Miles |
| 3X miles |
| $650 |
| at American Express's secure siteSee rates & fees |
| earning AAdvantage miles without flying |
| Earn 75,000 bonus Points |
| 1.5 - 12X points |
| $595 |
| at Citi's secure siteSee rates & fees |
| United Club access |
| Earn up to 100,000 miles |
| 1 - 11X miles |
| $695 |
| at Chase's secure siteSee rates & fees |
| mid-tier American Airlines rewards |
| Earn 60,000 American Airlines AAdvantage® bonus miles |
| 1 - 6X miles |
| $350 |
| at Citi's secure siteSee rates & fees |
| United business travelers |
| Earn up to 100,000 miles + 2,000 PQP |
| 1 - 8X miles |
| $150 |
| at Chase's secure siteSee rates & fees |
What is the best airport lounge access credit card — and why?
American Express Platinum Card®“Aside from the Centurion Lounges, my Amex Platinum allows me access to Priority Pass Select lounges, Plaza Premium lounges and many more (enrollment required). With this card in my wallet, I never really have to worry about getting lounge access when I’m traveling.”
Delta SkyMiles® Reserve American Express Card“I’ve been loyal to Delta for years, and I enjoy visiting Sky Clubs while traveling for work and leisure. I love the guest passes I receive as a Delta SkyMiles Reserve cardholder, as it allows me to bring my daughter into these lounges multiple times per year without incurring an additional fee.”
The Business Platinum Card® from American Express“I use the Amex Business Platinum card to enter most airport lounges. It offers me unrivaled lounge access, including entry into Centurion, Priority Pass (enrollment required), Plaza Premium and many other lounges. Plus, I can even enter Delta SkyClubs when flying on Delta-operated flights.”
