Discover the Best 10 Lounge Access Travel Credit Cards of 2025
Compare top-rated travel credit cards, maximize rewards, and unlock exclusive lounge access for your next adventure. Whether you’re a frequent flyer, luxury traveler, or budget explorer, find the perfect card to suit your needs.
Top 10 Lounge Access Credit Cards Comparison
| Card Name | Annual Fee | Lounge Access | Welcome Bonus | Best For | Apply / Details |
|---|---|---|---|---|---|
| The Platinum Card® from American Express TCI Rating: 9.4/10 | $695 | 80,000 points | Luxury travelers seeking VIP treatment | ||
| Capital One Venture X Rewards Credit Card TCI Rating: 9.0/10 | $395 | Unlimited Priority Pass and Capital One Lounges | 75,000 miles | Frequent travelers seeking premium perks | |
| Chase Sapphire Reserve® TCI Rating: 9.2/10 | $550 | Priority Pass Select membership | 60,000 points | High spenders seeking flexibility | |
| Delta SkyMiles® Reserve American Express Card TCI Rating: 8.8/10 | $550 | Delta Sky Clubs and Centurion Lounges | 50,000 miles | Delta loyalists | |
| United Club℠ Infinite Card TCI Rating: 8.9/10 | $525 | United Club and Star Alliance lounges | 80,000 miles | United travelers | |
| Citi® / AAdvantage® Executive World Elite Mastercard® TCI Rating: 8.6/10 | $595 | Admirals Club membership | 50,000 miles | American Airlines loyalists | |
| Hilton Honors American Express Aspire Card TCI Rating: 9.0/10 | $450 | Priority Pass Select membership | 150,000 points | Hilton enthusiasts | |
| Marriott Bonvoy Brilliant® American Express® Card TCI Rating: 8.9/10 | $650 | Priority Pass access and Platinum Elite status | 125,000 points | Marriott loyalists | |
| Mastercard® Black Card™ TCI Rating: 7.0/10 | $495 | Priority Pass Select membership | No bonus | Exclusive luxury seekers | |
| HSBC Premier World Elite Mastercard® TCI Rating: 8.0/10 | $395 | LoungeKey lounges | 50,000 points | International travelers |
Featured Card Details
The Platinum Card® from American Express
Welcome Bonus
Welcome Bonus: 80,000 Membership Rewards® Points after spending $8,000 in the first 6 months.
(Valued at ~$1,200 when transferred to partners - user valuation, not verified).
Earning Rates
- 5X points on flights booked directly with airlines or via Amex Travel (on up to $500,000 per calendar year).
- 5X points on prepaid hotels booked through Amex Travel.
- 1X points on other purchases.
Key Features
- Lounge Access: 1,400+ lounges worldwide (Centurion, Delta Sky Clubs® when flying Delta, Priority Pass™ Select - enrollment required).
- Fine Hotels + Resorts® Program: Room upgrades (when available), late checkout (when available), daily breakfast for two.
- Uber Cash: Up to $15/month in Uber credits plus a $20 bonus in December (enrollment required).
- $200 Hotel Credit: On prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with Amex Travel (min. 2-night stay for The Hotel Collection).
Additional Perks
- $200 airline fee credit annually (enrollment required, for incidental fees on selected airline).
- $120 credit for Global Entry or up to $85 credit for TSA PreCheck® (fee credit applied every 4-4.5 years).
- $199 CLEAR® Plus Credit annually (enrollment required).
- Complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status (enrollment required).
- No foreign transaction fees.
Best For
Luxury travelers seeking VIP treatment and top-tier travel experiences.
Capital One Venture X Rewards Credit Card
Welcome Bonus
Welcome Bonus: 75,000 miles after spending $4,000 in 3 months.
(Valued at ~$750 for travel).
Earning Rates
- 10X miles on hotels & rental cars via Capital One Travel
- 5X miles on flights via Capital One Travel
- 2X miles on all other purchases
Key Features
- $300 Annual Travel Credit via Capital One Travel.
- Lounge Access: Priority Pass™ lounges + Capital One Lounges.
- Travel Protections: Trip delay/cancellation coverage.
- Concierge services for seamless travel.
Additional Perks
- 10,000 bonus miles every account anniversary.
- Global Entry or TSA PreCheck fee credit.
- Cell phone protection up to $800 per claim.
- No foreign transaction fees.
Best For
Frequent travelers seeking premium lounge access and competitive rewards.
Chase Sapphire Reserve®
Welcome Bonus
Welcome Bonus: 60,000 points after $4,000 in 3 months.
(Valued at $900 via Chase Ultimate Rewards).
Earning Rates
- 10x on hotels & car rentals via Chase UR
- 3x travel & dining
- 1x on all other purchases
Key Features
- $300 annual travel credit
- Priority Pass lounge access
- Luxury Hotel & Resort perks like room upgrades and daily breakfast.
Additional Perks
- Points worth 50% more through Chase Ultimate Rewards.
- DoorDash DashPass and Lyft Pink memberships.
- Comprehensive travel insurance.
- No foreign transaction fees.
Best For
Premium travelers looking for flexible redemptions and top-tier perks.
Delta SkyMiles® Reserve American Express Card
Welcome Bonus
Welcome Bonus: 50,000 miles after $5,000 in the first 3 months.
Earning Rates
- 3X miles on Delta purchases.
Key Features
- Complimentary Delta Sky Club® access and two guest passes annually.
- Centurion Lounge access when flying Delta.
- Annual Companion Certificate (domestic First, Comfort+, or Main Cabin).
- Priority boarding on Delta flights.
Additional Perks
- Free first checked bag on Delta.
- Medallion® Qualification Miles boost with card spend.
- Global Entry/TSA PreCheck credit.
- No foreign transaction fees.
Best For
Delta loyalists seeking elite benefits, lounge access, and faster Medallion status.
United Club℠ Infinite Card
Welcome Bonus
Welcome Bonus: 80,000 miles after spending $5,000 in the first 3 months.
(Valued at ~$1,000 in United award travel).
Earning Rates
- 4X miles on United purchases.
- 2X miles on dining and eligible travel.
- 1X mile on all other purchases.
Key Features
- Unlimited United Club℠ lounge access for you and two guests.
- Premier Access® priority services.
- Free first and second checked bags on United-operated flights.
Additional Perks
- 25% back on in-flight purchases.
- Earn Premier Qualifying Points with card spend.
- Global Entry/TSA PreCheck credit.
- No foreign transaction fees.
Best For
United frequent flyers valuing lounge access and enhanced travel perks.
Citi® / AAdvantage® Executive World Elite Mastercard®
Welcome Bonus
Welcome Bonus: 50,000 AAdvantage® miles after spending $5,000 in the first 3 months.
(Valued at ~$750 toward American Airlines award travel).
Earning Rates
- 2X miles on American Airlines purchases.
- 1X mile on all other purchases.
Key Features
- Admirals Club® membership for the primary cardholder and authorized users.
- Priority boarding, check-in, and screening (where available).
- First checked bag free on AA flights for you + up to 8 companions.
- Earn 10,000 EQMs after $40,000 annual spend.
Additional Perks
- 25% savings on inflight food and beverage purchases on AA flights.
- Global Entry/TSA PreCheck credit.
- No foreign transaction fees.
Best For
American Airlines frequent flyers who want Admirals Club access and priority services.
Hilton Honors American Express Aspire Card
Welcome Bonus
Welcome Bonus: 150,000 Hilton Honors points after spending $4,000 in the first 3 months.
Earning Rates
- 14X points on eligible Hilton purchases.
- 7X points on flights booked directly with airlines or Amex Travel, plus car rentals and U.S. restaurants.
- 3X points on all other eligible purchases.
Key Features
- Complimentary Hilton Honors Diamond Status.
- $250 annual Hilton Resort Credit.
- Annual Free Night Reward.
- Unlimited Priority Pass™ Select lounge access.
Additional Perks
- $250 Airline Fee Credit.
- $100 on-property credit at Waldorf Astoria or Conrad with 2+ night stays.
- Global Entry/TSA PreCheck credit.
- No foreign transaction fees.
Best For
Frequent Hilton guests and luxury travelers seeking top-tier status and lounge access.
Marriott Bonvoy Brilliant® American Express® Card
Welcome Bonus
Welcome Bonus: 125,000 Marriott Bonvoy points after spending $5,000 in the first 3 months.
Earning Rates
- 6X points at Marriott hotels
- 3X points on dining and airfare
- 2X points on other purchases
Key Features
- Platinum Elite Status: Complimentary upgrades, late checkout, and more.
- $300 annual dining or Marriott statement credit (varies by version).
- Priority Pass™ Select Membership: Access 1,300+ airport lounges worldwide.
- Free Night Award: Annual certificate worth up to 85,000 points.
Additional Perks
- $100 credit for Global Entry or TSA PreCheck
- No foreign transaction fees
- Complimentary premium internet at Marriott properties
Best For
Luxury travelers and Marriott loyalists seeking high-value rewards and premium perks.
Mastercard® Black Card™
Welcome Bonus
Welcome Bonus: None — focuses on exclusive luxury benefits over upfront bonuses.
Earning Rates
- 1.5% Cash Back when redeemed for cash.
- 2% Value for airfare redemptions.
- Unlimited points with no cap.
Key Features
- 24/7 Luxury Card Concierge® service.
- Complimentary Priority Pass™ lounge access.
- Metal card design (stainless steel + carbon).
- Exclusive VIP event access and partner offers.
Additional Perks
- $100 annual airline credit for qualifying travel purchases.
- Global Entry/TSA PreCheck fee credit.
- No foreign transaction fees.
Best For
Luxury travelers seeking unique concierge service and premium lounge access.
HSBC Premier World Elite Mastercard®
Welcome Bonus
Welcome Bonus: 50,000 Rewards Points after spending $4,000 in the first 3 months.
(Valued at ~$750 toward travel rewards).
Earning Rates
- 3X points on travel purchases (airfare, hotels, car rentals).
- 2X points on dining and entertainment.
- 1X point on all other purchases.
Key Features
- LoungeKey™ access to 1,300+ lounges worldwide.
- Complimentary Boingo Wi-Fi at hotspots globally.
- Upgraded travel benefits via the Luxury Hotel & Resort Collection.
- Exclusive travel concierge service.
Additional Perks
- $100 annual travel credit for airline tickets/baggage fees.
- Global Entry/TSA PreCheck credit.
- No foreign transaction fees.
- Comprehensive travel/purchase protection.
Best For
Global travelers wanting broad lounge access, strong earning on travel, and no foreign fees.