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The Capital One Venture X Rewards Credit Card is our top contender, as it offers unlimited complimentary Priority Pass access. Not only that, but authorized users on the card are free, and each authorized user also gets their own Priority Pass membership. On top of that, members get access to Capital One Lounges in select airports.

→ Beginning Feb. 1, 2026, authorized users will not automatically have airport lounge access. They will be able to maintain lounge access by paying a fee of $125 per authorized user, per year. You will still be able to keep or add authorized users for no fee, but there will be a fee for authorized user lounge access.

This card also comes with a valuable sign-up bonus that lets you earn 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening, as well as a high rewards rate on hotels, rental cars and flights booked through Capital One's travel portal.

The card does charge an annual fee of $395. However, benefits like its annual travel credit (up to $300) and Global Entry or TSA PreCheck^® application fee credit (up to $120) can help offset that amount. Cardholders also get 10,000 anniversary bonus miles (worth $100 in travel) every year they renew the card.

Along with Priority Pass^™ lounge access, the Chase Sapphire Reserve^® offers a high rewards rate on worldwide travel and dining. Points are worth up to 100% more when redeemed for travel through Chase Travel^℠ for select redemptions and can also be transferred to more than 10 airline and hotel partners at a 1:1 ratio. With its refreshed benefits, cardholders now receive up to a $500 credit for stays with The Edit^℠, complimentary IHG One^® Rewards Platinum Elite status and more than $1,500 in annual lifestyle value, including credits for dining, StubHub, Lyft, Peloton and more.

As well as Priority Pass^™ Select, this credit card also comes with valuable travel benefits and protections, including up to $300 in annual travel credits, a fee credit toward Global Entry, TSA PreCheck^® or NEXUS membership and reimbursements for trip delay and lost luggage. The card also has its own lounges named the Chase Sapphire Reserve Lounge Network^℠, and the Chase Sapphire lounge guest policy includes up to two guests free of charge.

On top of Priority Pass lounge access (enrollment required), the American Express Platinum Card^® offers Delta Sky Club access (subject to visit limitations) when flying eligible Delta flights and American Express Centurion Lounge access when flying any airline. The card is ideal for booking flights, as you’ll earn 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You 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. Terms apply.

Its extensive travel benefits include:

The American Express Platinum Card^® also earns valuable American Express Membership Rewards points that can be used for travel through Amex or transferred to a range of airline and hotel partners.

*Enrollment required
**Qualifying airlines are subject to change. See terms & conditions for more details.

The Marriott Bonvoy Brilliant^® American Express^® Card is the best travel credit card with lounge access for travelers who frequently stay with Marriott — the world’s largest hotel brand. Cardholders receive Marriott Bonvoy^® Platinum Elite Status, an annual free night worth up to 85,000 points* and Priority Pass^TM visits for the cardholder and two companions (enrollment required).

The card also includes up to $300 in annual dining statement credits (up to $25 per month) that covers eligible restaurant purchases, whether you’re dining at home or on the road. Big spenders can earn a Brilliant Earned Choice Award after spending $60,000 each calendar year.

*Certain hotels have resort fees.

The Bank of America® Premium Rewards® Elite Credit Card is ideal for Preferred Rewards members, since they earn 25% to 75% more rewards for every dollar they spend. At the highest tier, you'll earn 3.5x points on travel and dining and 2.62x points on everything else. Cardholders pay a $550 annual fee for this card, but it comes with a generous welcome offer, Priority Pass^TM airport lounge membership, a $300 annual credit toward eligible airline incidental purchases, up to $150 annually toward streaming services and other lifestyle expenses, up to $120 in statement credits toward Global Entry or TSA PreCheck^® membership every four years and more.

Members also earn unlimited 2 points for every $1 spent on travel and dining purchases, and unlimited 1.5 points for every $1 spent on all other purchases. Rewards can be redeemed for travel, cash back, gift cards or various options available through a Bank of America concierge. Get a 20% discount on airfare when booking flights on points through the Bank of America Travel Center or the concierge.

For travelers desiring the benefits of the ultra-wealthy, the UBS Visa Infinite Credit Card delivers. Although the card has a $650 annual fee, it is packed with perks that far outweigh its cost. It comes with a complimentary Priority Pass^TM Select membership for unlimited visits, plus up to $1,000 in annual credits — $500 toward airline fees, plus another $500 for dining, lounge fees or an Amazon Prime membership when you spend $25,000 each year.

The card lets you earn 3x points for commercial air travel, 2x points for eligible groceries, select digital entertainment, newspapers and cable TV, and 1 point for all other eligible purchases. Points have flexible redemption options, and booking flights through UBS Rewards offers the highest value. Cardholders have 24/7 access to a concierge, and they receive premium amenities at select premium hotel brands, like Ritz-Carlton, Fairmont and Park Hyatt. The UBS Visa Infinite Credit Card also functions like a debit card, enabling cardholders to withdraw cash from an eligible linked account without incurring finance charges or cash advance fees. Additionally, it includes unlimited ATM fee rebates of up to $10 per transaction. It also includes robust cell phone protection with up to $1,500 in annual reimbursements when you pay your bill with your card.

Airport lounge access usually involves getting a premium travel credit card with a hefty price tag. The U.S. Bank Altitude^® Connect Visa Signature^® Card is the best credit card for airport lounge access for travelers on a budget. U.S. Bank Priority Pass access includes four free visits per year. If you're an infrequent lounge user, this may be the best Priority Pass^TM card for you. Its benefits also include up to $100 toward TSA Precheck^® or Global Entry once every four years, complimentary travel protections and no foreign transaction fees. It's rare that a credit card with no annual fee includes so many premium benefits.

This card's highest earning power of five points per dollar is earned by booking prepaid hotels or rental cars through the Altitude Rewards Center. Travel, gas stations and EV charging earn four points per dollar, but bonus points on gas and EV charges are limited to the first $1,000 you spend each quarter. Plus, you'll receive two points per dollar on dining, streaming services and at grocery stores and one point per dollar on everything else. Earn 20,000 bonus points when you spend $1,000 in net purchases within the first 90 days of account opening.

The best credit card with airport lounge access for business travelers is The Business Platinum Card^® from American Express. It offers ultimate luxury benefits, including access to the Global Lounge Collection, complimentary hotel elite status at select hotels* and numerous travel credits. Not only does its Priority Pass* lounge access include unlimited visits, but The Business Platinum Card^® from American Express also includes access to Centurion Lounges, Delta Sky Clubs when flying Delta (10 visits per year) and other independent lounges that are part of the collection.

Plus, cardholders can get a Global Entry or TSA PreCheck^® application fee credit* and an annual CLEAR Plus membership credit* (up to $209) to get through airport security to enjoy the lounges quickly (subject to auto-renewal).

Other benefits that help make up for the annual fee include an annual credit of up to $1,150 toward Dell Technologies*, up to $360 in credits toward Indeed purchases each year*, up to $120 in statement credits toward eligible wireless purchases annually*, up to $250 in annual statement credits toward Adobe*, a $200 annual statement credit offer toward eligible airline incidental purchases* and more.

*Enrollment required.

The Capital One Venture X Business offers unlimited 2 miles per dollar and flexible redemptions, including transfers to 20+ airline and hotel loyalty programs. It includes complimentary access to Priority Pass^TM lounges and Capital One Lounges for primary cardholders and employee cards. However, starting Feb. 1, 2026, there will be a $125 annual fee for authorized users to retain these perks.

While this business travel card has a reasonable $395 annual fee, you can offset that cost by using its annual travel credit up $300 for bookings through Capital One's travel portal and 10,000 anniversary miles. New cardholders can earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening. While the welcome bonus is appealing, make sure you can reasonably spend that much without overextending yourself because this is a charge card that requires paying off your balance in full each month.