Credit cards with airport lounge access, compared

15 cards whose lounge benefits we've reviewed against the issuer's current terms. Lounges are physical locations reached through a reviewed path, each counted once. A lounge you never pass through is worth nothing to you, so check your own airports before you choose.

  • Lounges
    1532
    Airports
    733

    Entry included for the cardholder at Centurion Lounges, Sidecar by The Centurion Lounge, Escape Lounges and Plaza Premium Lounges, and at Priority Pass lounges after enrolling. Delta Sky Club: 10 Visits a year on same-day Delta-operated flights (not Basic Economy), unlimited after $75,000 in calendar-year spend. Centurion and Sidecar guests cost $50 ($30 ages 2-17) until $75,000 is spent; Sky Club guests cost $50. Escape, Plaza Premium and Priority Pass include 2 guests.

    Ways in: The Centurion Lounge · Sidecar by The Centurion Lounge · Delta Sky Club · Escape Lounges · Escape Lounges - The Centurion Studio Partner · Plaza Premium Lounges · Priority Pass Select from American Express

    Guests at The Centurion Lounge: No complimentary guests; guests pay $50 (guest 18 and over), $30 (child 2-17 (proof of age)). (Complimentary Guest Access for up to 2 guests per visit at US and select international locations after $75,000 in eligible purchases on the account in a calendar year; valid for the rest of that year, the next calendar year and until January 31 of the year after.)

  • Lounges
    1532
    Airports
    733

    Entry included for the cardholder at Centurion Lounges, Sidecar by The Centurion Lounge, Escape Lounges and Plaza Premium Lounges, and at Priority Pass lounges after enrolling. Delta Sky Club: 10 Visits a year on same-day Delta-operated flights (not Basic Economy), unlimited after $75,000 in calendar-year spend. Centurion and Sidecar guests cost $50 ($30 ages 2-17) until $75,000 is spent; Sky Club guests cost $50. Escape, Plaza Premium and Priority Pass include 2 guests.

    Ways in: The Centurion Lounge · Sidecar by The Centurion Lounge · Delta Sky Club · Escape Lounges · Escape Lounges - The Centurion Studio Partner · Plaza Premium Lounges · Priority Pass from American Express

    Guests at The Centurion Lounge: No complimentary guests; guests pay $50 (guest 18 and over), $30 (child 2-17 (proof of age)). (Complimentary Guest Access for up to 2 guests per visit at US and select international locations after $75,000 in eligible purchases on the account in a calendar year; valid for the rest of that year, the next calendar year and until January 31 of the year after.)

  • Entry included for the cardholder at Centurion Lounges, Sidecar by The Centurion Lounge, Escape Lounges and Plaza Premium Lounges, and at Priority Pass lounges after enrolling. Delta Sky Club: 10 Visits a year on same-day Delta-operated flights (not Basic Economy), unlimited after $75,000 in calendar-year spend. Centurion and Sidecar guests cost $50 ($30 ages 2-17) until $75,000 is spent; Sky Club guests cost $50. Escape, Plaza Premium and Priority Pass include 2 guests.

    Ways in: The Centurion Lounge · Sidecar by The Centurion Lounge · Delta Sky Club · Escape Lounges · Escape Lounges - The Centurion Studio Partner · Plaza Premium Lounges · Priority Pass from American Express

    Guests at The Centurion Lounge: No complimentary guests; guests pay $50 (guest 18 and over), $30 (child 2-17 (proof of age)). (Complimentary Guest Access for up to 2 guests per visit at US and select international locations after $75,000 in eligible purchases on the account in a calendar year; valid for the rest of that year, the next calendar year and until January 31 of the year after.)

  • Lounges
    1441
    Airports
    724

    Priority Pass Select membership for the primary cardmember and authorized users ($75 a year each): entry included at participating lounges with 2 guests free and $35 per further guest; restaurants, cafes and markets are not included. Each calendar year the primary cardmember also gets 4 Admirals Club passes; each person entering, cardmember or adult guest, uses one pass, valid for 24 hours, and up to 3 children under 18 enter with each pass holder.

    Ways in: Priority Pass Select from Citi · Admirals Club Citi Strata Elite Passes

    Guests at Priority Pass Select from Citi: 2 guests included, then $35 (each guest beyond 2).

  • Chase Sapphire Reserve

    $795 annual fee

    Lounges
    1404
    Airports
    715

    Entry included for the cardholder and up to 2 guests at every Chase Sapphire Lounge by The Club and at 1,300+ Priority Pass lounges; each further guest costs $27. The Priority Pass Select membership is activated automatically. Select Air Canada Maple Leaf Lounges and Air Canada Cafes admit the cardholder plus 1 guest when flying a Star Alliance airline; further guests cost 59 in local currency. Authorized users ($195 a year each) get the same access.

    Ways in: Chase Sapphire Lounge by The Club · Priority Pass Select from Chase · Air Canada Maple Leaf Lounges · Air Canada Cafes

    Guests at Chase Sapphire Lounge by The Club: 2 guests included, then $27 (each guest beyond 2).

  • Lounges
    1404
    Airports
    715

    Entry included for the primary cardmember (authorizing officer) and up to 2 guests at every Chase Sapphire Lounge by The Club and at 1,300+ Priority Pass lounges; Priority Pass guests beyond 2 cost $27 each. The Priority Pass Select membership is activated automatically. Select Air Canada Maple Leaf Lounges and Air Canada Cafes admit the cardmember plus 1 guest on Star Alliance flights. Employee cards get no lounge access.

    Ways in: Chase Sapphire Lounge by The Club · Priority Pass Select from Chase · Air Canada Maple Leaf Lounges · Air Canada Cafes

    Guests at Chase Sapphire Lounge by The Club: 2 guests included per visit.

  • Lounges
    1396
    Airports
    715

    Entry included for the primary cardholder at Capital One Lounges and Landings, and at 1,300+ Priority Pass lounges after enrolling. Guests cost $45 (18+) or $25 (17 and under) at Capital One Lounges and Landings, free under 2, and $35 at Priority Pass lounges. After $75,000 in calendar-year spend, 2 guests enter Capital One Lounges and 1 a Landing free. Authorized users need a $125-a-year lounge access fee.

    Ways in: Capital One Lounge · Capital One Landing · Priority Pass from Capital One

    Guests at Capital One Lounge: No complimentary guests; guests pay $45 (guest 18 and over), $25 (guest 2-17). (Up to 2 complimentary guests per visit after $75,000 in purchases on the account in a calendar year; valid that year, the next calendar year and until January 31 of the year after.)

  • Lounges
    1396
    Airports
    715

    Entry included for the primary cardholder at Capital One Lounges and Landings, and at 1,300+ Priority Pass lounges after enrolling, where 2 guests are free and more cost $35 each. Guests cost $45 (18+) or $25 (17 and under) at Capital One Lounges and Landings, free under 2; after $75,000 in calendar-year spend, 2 guests enter Capital One Lounges and 1 a Landing free. Up to 4 additional cardholders can add access for $125 a year each.

    Ways in: Capital One Lounge · Capital One Landing · Priority Pass from Capital One

    Guests at Capital One Lounge: No complimentary guests; guests pay $45 (guest 18 and over), $25 (guest 2-17). (Up to 2 complimentary guests per visit after $75,000 in purchases on the account in a calendar year; valid that year, the next calendar year and until January 31 of the year after.)

  • Bilt Palladium Card

    $495 annual fee

    Lounges
    1390
    Airports
    712

    Priority Pass membership for Bilt Palladium cardholders: entry included at participating lounges with up to 2 guests free and $35 per further guest. The membership QR code in the Bilt app works with no activation; using the physical card or the Priority Pass app requires activating the membership at prioritypass.com.

    Ways in: Priority Pass from Bilt

    Guests at Priority Pass from Bilt: 2 guests included, then $35 (each guest beyond 2).

  • Lounges
    1390
    Airports
    712

    Priority Pass membership for the primary Card Member after enrolling, with unlimited visits to participating lounges and 2 guests free per visit; further guests are charged the Priority Pass Standard guest fee. Additional Card Members are not eligible.

    Ways in: Priority Pass from American Express

    Guests at Priority Pass from American Express: 2 guests included per visit.

  • Lounges
    143
    Airports
    84

    Delta Sky Club: 15 Visits a year on same-day Delta flights (not Main Basic), unlimited after $75,000 in calendar-year spend; guests cost $50 each, with 4 One-Time Guest Passes a year. Entry included at Centurion Lounges, Sidecar by The Centurion Lounge and Escape Lounges when flying Delta on a same-day flight; Centurion and Sidecar guests cost $50 ($30 ages 2-17). Additional Reserve Cards ($175 a year) get their own 15 Visits.

    Ways in: Delta Sky Club · The Centurion Lounge (when flying Delta) · Sidecar by The Centurion Lounge (when flying Delta) · Escape Lounges (when flying Delta) · Escape Lounges - The Centurion Studio Partner (when flying Delta)

    Guests at Delta Sky Club: No complimentary guests; guests pay $50 (guest age 2 and over).

  • Delta Sky Club: 15 Visits a year on same-day Delta flights (not Main Basic), unlimited after $75,000 in calendar-year spend; guests cost $50 each, with 4 One-Time Guest Passes a year. Entry included at Centurion Lounges, Sidecar by The Centurion Lounge and Escape Lounges when flying Delta on a same-day flight; Centurion and Sidecar guests cost $50 ($30 ages 2-17). Additional Reserve Business Cards get their own 15 Visits.

    Ways in: Delta Sky Club · The Centurion Lounge (when flying Delta) · Sidecar by The Centurion Lounge (when flying Delta) · Escape Lounges (when flying Delta) · Escape Lounges - The Centurion Studio Partner (when flying Delta)

    Guests at Delta Sky Club: No complimentary guests; guests pay $50 (guest age 2 and over).

  • Lounges
    73
    Airports
    51

    The primary cardmember gets a full Admirals Club membership: entry included at Admirals Club lounges with up to 2 guests or immediate family free, on a same-day American, oneworld or Alaska Airlines flight. The membership also covers Alaska Lounges and Qantas Clubs on qualifying flights. Authorized users ($175 a year for up to 3) get Admirals Club entry with the same guest allowance, but not partner lounges. Flagship Lounges are not included.

    Ways in: Admirals Club · Alaska Lounge (Admirals Club membership) · Qantas Club (Admirals Club membership)

    Guests at Admirals Club: 2 guests included per visit.

  • Lounges
    47
    Airports
    30

    The card includes a United Club card membership: entry included for the primary cardmember with 1 adult guest and dependent children under 18 at each United Club visit. After $50,000 in calendar-year spend or Premier Gold status, All Access membership allows 2 adult guests and adds Star Alliance lounges. Authorized users get no membership of their own. The membership activates about 2 weeks after account opening.

    Ways in: United Club card membership

    Guests at United Club card membership: 1 guest included per visit. (United Club All Access membership after more than $50,000 in net purchases on the business card in a calendar year, or Premier Gold status or higher: 2 adult guests (or 1 adult guest and dependent children under 18) per visit, plus Star Alliance lounge access. Valid for the rest of that year and the next calendar year.)

  • United Club Card

    $695 annual fee

    Lounges
    47
    Airports
    30

    The card includes a United Club card membership: entry included for the primary cardmember with 1 adult guest and dependent children under 18 at each United Club visit. After $50,000 in calendar-year spend or Premier Gold status, All Access membership allows 2 adult guests and adds Star Alliance lounges. Authorized users get no membership of their own. The membership activates about 2 weeks after account opening.

    Ways in: United Club card membership

    Guests at United Club card membership: 1 guest included per visit. (United Club All Access membership after more than $50,000 in net purchases on the card in a calendar year, or Premier Gold status or higher: 2 adult guests (or 1 adult guest and dependent children under 18) per visit, plus Star Alliance lounge access. Valid for the rest of that year and the next calendar year.)

Ordered by lounges reached, then annual fee. This isn't a value ranking: guest charges, visit limits, enrollment and flight rules differ by path and are on each card's lounge page. Cards we haven't reviewed aren't listed.

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.