Best Credit Cards For Lounge Access Of March 2024 (2024)

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On American Express's Website

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The Platinum Card is destined for frequent travelers who intend to fully leverage the rich set of luxury travel benefits and Platinum Concierge service. In the right hands, the classic status card’s staggering annual fee is well justified.

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• 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 with American Express Travel when you pay with 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, Peaco*ck, SiriusXM, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $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: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
• $100 Global Entry Credit: Receive either a $100 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.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. 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.

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On Chase Bank USA, NA's Website

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On Chase Bank USA, NA's Website

This card offers superior points earning rates if you spend frequently on travel and dining out. The $300 travel credit justifies much of the annual fee, and redeeming points for travel on Chase Ultimate Rewards.

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®
• $300 Annual Travel Credit as reimbursem*nt 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 Ultimate Rewards® 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 Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
• 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

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The Platinum Card is destined for frequent travelers who intend to fully leverage the rich set of luxury travel benefits and Platinum Concierge service. In the right hands, the classic status card’s staggering annual fee is well justified.

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• 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 with American Express Travel when you pay with 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, Peaco*ck, SiriusXM, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $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: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
• $100 Global Entry Credit: Receive either a $100 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.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. 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.

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On Capital One's Website

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On Capital One's Website

Capital One’s most premium travel card is packed with extras that put it firmly in competition with other upscale credit cards, but at an annual fee that leaves the others far behind.

• 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 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
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
• Receive up to a $100 credit for Global Entry or TSA PreCheck®

If you value lounge access and travel perks, this card has you covered. Plus, you’ll get lifestyle credits for things like rideshares, food delivery and streaming service with select merchants. You’ll get the best deal if you’re a Preferred Rewards member, which returns a 25% to 75% bonus on all the points you earn.

• Receive 75,000 online bonus points — a $750 value — after you make at least $5,000 in purchases in the first 90 days of account opening
• Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
• Earn up to $300 in Airline Incidental Statement Credits annually on qualifying transactions and TSA Pre✓®/Global Entry Statement Credits of up to $100, every four years
• Earn up to $150 in lifestyle statement credits annually on qualifying rideshare, food delivery, streaming service and fitness transactions at select merchants
• Receive 20% off the cost of airfare when redeeming points through the Bank of America Travel Center
• Enrolled cardholders receive 12-month Priority Pass Select membership to access airport VIP lounges worldwide

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On Chase Bank USA, NA's Website

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On Chase Bank USA, NA's Website

United’s top-tier card offering ups its game with 4 miles per dollar earnings on United purchases. A suite of travel perks makes the card an even better value, with the United Club membership alone worth more than the annual fee.

• Earn 80,000 bonus miles after qualifying purchases
• Earn 4 miles per $1 spent on United®purchases
• Earn 2 miles per $1 spent on all other travel and dining
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags – a savings of up to $320 per roundtrip (terms apply) – and Premier Access® travel services
• 10% United Economy Saver Award discount within the continental U.S. and Canada
• Earn up to 10,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)
• Member FDIC

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Though the Bonvoy Brilliant carries a hefty $650 annual fee, this card offers luxurious value to Marriott loyalists via an anniversary night (worth up to 85,000 points) after your card renewal month, complimentary Platinum Elite status, statement credits of up to $25 per month for dining purchases and a wide array of other perks.

• Earn 185,000 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®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
• 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 ($100) 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. Terms apply.
• 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.

Considering its lavish travel perks and the $325 annual travel credit, frequent travelers can easily justify the $400 annual fee. Plus, cardholders get four free visits per year to Priority Pass airport lounges (enrollment required).

• Earn 50,000 points after spending $4,500 in the first 90 days of account opening
• Earn 5 points per dollar on prepaid hotels and car rentals booked directly in the Altitude RewardsCenter, 3 points per dollar on eligible travel purchases and mobile walletspending and 1 point per dollar on all other eligible net purchases
• Earn up to $325 in annual credits

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It makes sense for Delta high-fliers to grab the top-of-the-line Delta SkyMiles® Reserve American Express Card. The access to Sky Club is being reduced 2/1/25 but can still help justify the annual fee for frequent Delta flyers, then add in the annual companion certificate for eligible flights (plus taxes and fees), free first checked bag when you fly Delta and priority boarding. However, the mediocre miles earning rates reduce the card’s overall appeal.

• Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months.
• Enjoy complimentary access to the Delta Sky Club® when traveling on a same-day Delta-marketed or Delta-operated flight. You will receive four Delta Sky Club One-Time Guest Passes each year. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location. 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.
• Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
• NEW! Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
• NEW! 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.
• ENHANCED! Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights to select destinations 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 roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
• NEW! $240 Resy Credit: With the Delta SkyMiles® Reserve American Express Card Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
• NEW! $120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Reserve American Express Card. Enrollment Required.
• Eligible 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.
• NEW! Not a Medallion Member? Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members. Ticket must be purchased on or after February 1, 2024 to be eligible to receive a complimentary upgrade.
• Fee Credit for Global Entry or TSA PreCheck®: Receive $100 back for Global Entry or $85 back for TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Earn 3X Miles on Delta purchases.
• Earn 1X Miles on all other eligible purchases.
• NEW! $200 Delta Stays Statement Credit: Delta SkyMiles® Reserve American Express Card Members can earn up to $200 back in the form of a statement credit annually on eligible prepaid Delta Stays bookings on delta.com.
• NEW! Transform your car rental experience with Hertz President’s Circle Status, compliments of your Delta SkyMiles® Reserve American Express Card. Enrollment in the Hertz Gold Plus Rewards program is required. To receive the benefit, you must add your Hertz Gold Plus Rewards Account number to your SkyMiles Account associated with your Eligible Card, register at delta.com/mypromos/eligible, and “Enroll in Promotion” at delta.com/hertz.
• No Foreign Transaction Fees.
• Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
• Enjoy your first checked bag free on Delta flights.
• $650 Annual Fee.
• Terms Apply.

For the AA frequent flier who will use the complimentary Admirals Club lounge access, this alone more than offsets the annual fee. Considering that all authorized cardholders are eligible, this can be an incredible value. Extra perks such as VIP check-in, priority boarding, concierge service, and free checked bag sweeten the deal.

• Earn 70,000 AAdvantage bonus miles after spending $7,000 in the first 3 months of account opening. Plus, receive a complimentary Admirals Club membership (a value of up to $850)
• Earn 10 miles per dollar spent on eligible hotels and car rentals booked through aa.com, 4 miles for every dollar spent on eligible American Airlines purchases and 1 mile for all other purchases
• Admirals Club Membership: Access to nearly 50 lounge locations worldwide for you and your immediate family (or up to 2 traveling guests that accompany you)
• Global Entry or TSA PreCheck® application fee credit up to $100 every 4 years

Only available to those with a U.S. HSBC Premier checking account, the rewards and benefits seem insufficient to offset the high APR, lack of intro 0% APR offer, and high annual fee. Perhaps the status value of the metal card makes it worthwhile to some.

• Earn 50,000 bonus points after spending $4,000 in the first 3 months of account opening
• Earn 3 points per dollar spent on new travel purchases including airline, hotels and car rentals
• Earn 2 points per dollar on dining purchases and 1 point on all other purchases
• Redeem your points for travel, cash rewards, gift cards or merchandise

With top-notch earning on gas and travel, the US Bank Connect Visa Signature’s rewards will add up quickly.

• Intro Offer: Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening. That’s a $500 value redeemable towards travel, gift cards, cash back, merchandise and more.
• 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
• 4X points on travel, gas stations, and EV charging stations.
• 2X points on streaming services. Plus, a $30 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
• 2X points at grocery stores, grocery delivery, and dining.
• Receive up to $100 in statement credits for reimbursem*nt toward your TSA PreCheck® or Global Entry® application fee once every four years.
• 1X point on all other eligible purchases.
• Points never expire.
• Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
• Protection and assistance when traveling with Trip Cancelation/Interruption, Trip Delay Reimbursem*nt and SmartDelay.
• Complimentary Priority Pass™ Select membership that gives access to more than 1,300 VIP lounges worldwide.
• Terms and conditions apply.