Best Business Credit Cards for Airport Lounge Access

All information about the Capital One Venture X Business Credit Card and United Club℠ Business Card has been collected independently by 10xTravel.

If you run your own business, chances are you’ll need to hop on a flight every now and then. For some business owners, you might be hitting the skies on a weekly basis. In any case, holding a business credit card that gives you complimentary access to airport lounges can make your next work trip less of a hassle.

Some business credit cards offer complimentary access to a specific airline or independent lounge network while others offer access to multiple networks. And in addition to their lounge access perks, business credit cards offer business owners numerous perks from statement credits to lucrative bonus spending categories.

Here’s a rundown of the best business credit cards for airport lounge access.

Best Business Credit Cards for Airport Lounge Access: Overview

Before diving in, here’s a summary of the best business credit cards for airport lounge access.

Best Business Credit Cards for Airport Lounge Access

Let’s now look at the best credit cards for business owners wanting complimentary airport lounge access.

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express remains the best business card for airport lounge access. While its $895 annual fee (see rates and fees) is the highest of any business credit card on the market, its numerous perks make it easy to offset.

As a cardholder, you’ll enjoy access to The American Express Global Lounge Collection®, which includes the following lounge networks:

• The Centurion® Lounge
• Delta Sky Club®
• Escape Lounges
• Lufthansa Lounges
• Plaza Premium
• Priority Pass™ Select
• Additional Global Lounge Collection partner lounges

This is the widest selection of lounges offered by any business card on the market. What’s even better is that employee cards—which come with an additional annual fee of $400 per card—also come with access to The American Express Global Lounge Collection (this excludes $0 annual fee employee expense cards).

The Amex Business Platinum not only gives you access to American Express Centurion lounges, but also to a number of other independent and airline lounge networks.

Plaza Premium and Escape lounges are two independent networks that typically allow Amex Business Platinum cardholders to bring up to two guests with them for free, regardless of the airline you’re flying.

However, in some cases you need to fly with a specific airline to access the lounge. For instance, you need to have a same-day ticket with Delta Air Lines to access Delta Sky Clubs and a same-day ticket with a Lufthansa Group airline to access Lufthansa Business lounges.

However, you can access other airline lounges that are part of the Priority Pass network, such as those belonging to Air France and Turkish Airlines, without needing to fly with the respective airline.

Priority Pass Select also includes limited access to the Chase Sapphire Lounge by The Club, giving Amex Business Platinum cardholders one complimentary visit per calendar year (excluding the Sapphire Lounge in Hong Kong), with a preferential rate of $75 per additional visit thereafter.

In the case of Delta Sky Clubs, you’ll receive 10 complimentary visits per calendar year, which you can upgrade to an unlimited number of visits by charging $75,000 to your card within a calendar year.

In addition to the Amex Business Platinum’s renowned lounge access privileges, here’s an overview of its other key benefits:

• 5X points on flights and prepaid hotels booked through AmexTravel.com.
• 2X points on up to $2 million in spending per calendar year (1X points thereafter) on the following business categories:
  • U.S. construction material and hardware suppliers
  • U.S. electronic goods retailers and software and cloud system providers
  • U.S. shipping providers
  • Any eligible purchase of $5,000 or more
• Statement credit of up to $1,150 for Dell Technologies purchases, issued as an initial $150 credit and a further $1,000 credit when $5,000 or more with Dell in a calendar year
• Statement credit of $250 with Adobe when you spend $600 or more in a calendar year directly with Adobe
• Statement credit of $360 with Indeed, issued in $90 credits per quarter
• Statement credit of $120 for U.S. wireless purchases, issued in $10 monthly credits
• Complimentary Marriott Bonvoy® Gold Elite status
• Complimentary Hilton Honors™ Gold status
• Complimentary Leaders Club Sterling status
• Statement credit toward Global Entry or TSA PreCheck® application fee, every four years
• Annual CLEAR® Plus credit
• $200 annual airline incidental fee credit for eligible charges with one qualifying airline
• Up to $200 in annual statement credits toward Hilton purchases, issued in $50 quarterly credits (Hilton for Business membership required)
• Up to $600 in annual statement credits toward bookings with Fine Hotel + Resorts or The Hotel Collection made through American Express Travel, issued in semiannual $300 credits. Minimum stay of two nights is required for The Hotel Collection.
• 35% point rebate when you use Pay with Points to book flights, on up to 1 million points per calendar year
• Additional benefits with American Express Travel and American Express One AP® after you charge $250,000 to your card

Capital One Venture X Business Credit Card

The Capital One Venture X Business Credit Card offers business owners premium travel benefits at a mid-range price.

Cardholders enjoy complimentary access to the Priority Pass network as well as access to Capital One Lounges.

Currently, both primary and additional cardholders enjoy complimentary access to Priority Pass lounges with the ability to bring up to two guests with them free of charge. Similarly, both primary and additional cardholders can access Capital One Lounges and Capital One Landings as well as bring up to two guests into Capital One Lounges and up to one guest into Capital One Landings.

However, these access policies are changing.

Effective from Feb. 1, 2026, only primary cardholders will enjoy complimentary access to Priority Pass lounges, Capital One Lounges and Capital One Landings. Additional cardholders will be required to pay a $125 annual fee to receive lounge access privileges.

Both primary cardholders and additional cardholders who pay the $125 annual fee can bring up to two guests free of charge with them into Priority Pass lounges. You can bring additional guests with you for a fee of $35 per extra guest.

In contrast, primary and additional cardholders need to spend at least $75,000 within a calendar year on their Venture X Business account to unlock complimentary guest access for Capital One Lounges (two free guests) and Capital One Landings (one free guest).

Despite these upcoming changes, the Venture X Business still remains a valuable card for business owners who want to put their feet up before takeoff.

You’ll also benefit from the following card features:

• 10X miles on hotels and rental cars booked through Capital One’s travel booking site
• 5X miles on flights and vacation rentals booked through Capital One’s travel booking site
• 2X miles on all other purchases
• $300 travel credit for purchases made through Capital One’s travel booking site
• 10,000-mile boost every card anniversary year
• Statement credit toward the cost of Global Entry or TSA PreCheck every four years
• Complimentary Hertz President’s Circle status
• No foreign transaction fees
• Free employee cards

Chase Sapphire Reserve for Business℠

The Chase Sapphire Reserve for Business℠ offers business owners powerful spending categories, $2,500 worth of annual perks and solid lounge access perks.

You’ll enjoy complimentary Priority Pass Select membership, opening up numerous lounges across the globe. You’ll also enjoy exclusive complimentary access to the Chase Sapphire Lounge by The Club, offering some of the most luxurious amenities of any lounge network.

As a primary cardholder, you can bring up to two guests with you into Priority Pass and Chase Sapphire Lounges free of charge. Keep in mind that complimentary lounge access doesn’t extend to employee cards.

In addition to these lounge access perks, the Sapphire Reserve for Business offers the following card features:

• 8X points on all purchases made through Chase Travel℠, including purchases with The Edit℠ (after the first $300 is spent on travel purchases)
• 5X points on purchases with Lyft (through Sept. 30, 2027)
• 4X points on flights booked directly with the airline and on hotels booked directly with the hotel (after the first $300 is spent on travel purchases)
• 3X points on social media and search engine advertising
• 1X points on all other purchases
• $300 annual travel statement credit
• $200 Google Workspace credit
• $400 ZipRecruiter credit, issued in $200 semiannual credits
• $100 curated gift card credit, issued in $50 semiannual credits, for purchases from giftcards.com/reservebusiness
• $500 annual statement credit for stays with The Edit℠ issued in semiannual $250 increments (minimum stay of two nights required). Plus, you’ll receive complimentary benefits, such as a $100 property credit, daily breakfast for two, room upgrades and more (subject to availability).
• Statement credit every four years toward Global Entry, TSA PreCheck or Nexus membership application fees
• Complimentary IHG® One Rewards Platinum Elite status (through Dec. 31, 2027)
• Complimentary DashPass membership worth $120 offering reduced service fees and $0 delivery fees on eligible orders when activated by Dec. 31, 2027. Enrolled members will also receive up to $300 in DoorDash credits per year, including a $5 monthly promo to spend on restaurant orders and two $10 promos each month to save on non-restaurant orders.
• $120 in annual Lyft credits, issued in $10 monthly increments (through Sept. 30, 2027).
• Spend $120,000 on your card within a calendar year and enjoy the following benefits:
  • Complimentary IHG One Rewards Diamond Elite status for the remainder of the calendar year plus the following year
  • $500 credit for The Shops at Chase
  • $500 Southwest Airlines Chase Travel℠ credit
  • Complimentary Southwest Airlines A-list status for the remainder of the calendar year plus the following year

United℠ Club Business Card

If you fly frequently with United Airlines, United Club℠ Business Card could make your business trips far more comfortable. Primary cardholders receive complimentary United Club membership.

If you charge $50,000 to your card within a calendar year or earn United Premier Gold status, you’ll unlock United Club All Access membership as well as Star Alliance lounge access privileges. With All Access members, you’ll be able to bring up to two adult guests into United Clubs or one adult guest plus any dependents younger than 18.

Additionally, if you earn United Club All Access membership and add an employee card, you’ll receive four one-time United Club passes (to use the passes, the authorized user must be traveling with you).

In addition to United Club access, you’ll enjoy the following card features:

• 5X miles on prepaid hotel stays booked directly through Renowned Hotels and Resorts
• 2X miles on United purchases
• 1.5X miles on all other purchases
• 5,000-mile annual boost if you hold the New United Club Business Card and a personal Chase United card
• $200 annual statement credit for Renowned Hotels and Resorts
• Free first and second checked bags for you and up to one companion on the same reservation
• Up to $150 in annual statement credits toward ride-hailing purchases, issued in $12 monthly increments with a bonus of $18 in December of each year
• Up to $100 in annual United TravelBank cash for purchases with Budget and Avis, issued in $50 increments per eligible rental car booking (minimum rental period of two days)
• Up to $240 in annual Instacart credits, issued in two $10 monthly credits, when you make at least a single purchase of $10 or more per month
• $200 annual statement credit for purchases with JetSuiteX (JSX)
• Complimentary Instacart+ membership through Dec. 31, 2027, or for a minimum one-year term, whichever is longer (after that, you’ll automatically be billed at $99 per year or the given rate)
• Two complimentary global U.S. Economy Plus seat upgrades after you charge $40,000 to your card within a calendar year
• If the primary cardmember has MileagePlus Premier status and is traveling on an award ticket, they’re eligible for complimentary Premier upgrades on select United- and United Express-operated flights, subject to availability (up to one companion who is traveling on the same reservation can also qualify for an upgrade).
• 1X PQP per $15 spent, up to a maximum of 28,000 PQPs per calendar year
• Premier Access travel services, including preferential priority check-in, security screening, boarding and baggage handling privileges (subject to availability)
• 25% discount given as a statement credit for in-flight purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks
• Complimentary Avis President’s Club membership
• No foreign transaction fees

Delta SkyMiles® Reserve Business American Express Card

If you fly frequently for business with Delta Air Lines, the Delta SkyMiles® Reserve Business American Express Card can unlock a number of airport lounges during your trips, for an annual fee of $650 (see rates and fees).

As a primary or additional cardholder, you’ll enjoy 15 complimentary visits to Delta Sky Clubs per Medallion Year when flying with Delta.

Delta defines a “visit” as an entry to one or more Delta Sky Clubs, or usage of the Delta Sky Club “Grab and Go” feature, at one or more airports for a period of up to 24 hours starting upon the first Delta Sky Club entry or Grab and Go usage. That means you can visit multiple Delta Sky Clubs during flights with a connection while only using up one of your visits.

You also can unlock an unlimited number of visits by charging $75,000 to your card within a calendar year.

The card also offers four one-time guest passes that you can use to bring guests with you into Delta Sky Clubs, provided that they’re also flying with Delta.

Delta Sky Clubs aren’t the only lounges you’ll have access to when flying with Delta. If you pay for your flight using a U.S.-issued American Express card, such as your Delta SkyMiles Reserve Business Card, you’ll enjoy complimentary access to The Centurion Lounge and Escape Lounges.

You can bring up to two guests with you into Centurion Lounges at a per-visit rate of $50 (or $30 for children aged 2 through 17) per person. You also can bring guests into Escape Lounges, subject to the standard guest entry fee at the given lounge location.

Here are some of the card’s additional features beyond lounge perks that you can take advantage of:

• 3X miles on direct purchases with Delta
• 1.5X miles on eligible transit, U.S. shipping and U.S. office supply store purchases. If you charge $150,000 in purchases to your card within a calendar year, you’ll earn 1.5X miles on all other eligible purchases.
• 1X miles on all other purchases
• 1X MQD for every $10 in purchases charged to your card in a calendar year
• 2,500 MQD boost each Medallion Qualification Year
• $250 annual statement credit when you use your card to book prepaid hotels or vacation rentals through Delta Stays
• $240 annual statement credit for U.S. Resy restaurant purchases, given in $20 monthly credits
• $120 annual statement credit for U.S. ride-hailing purchases, given in $10 monthly credits
• First checked bag flies free
• Annual Delta Companion Certificate for first class, Delta Comfort or main cabin domestic, Caribbean or Central American round-trip flights each year after renewal of your card
• Upgrade priority over those with the same Medallion tier, fare class and Million Miler status
• Hertz President’s Circle® status
• Zone 5 priority boarding
• Statement credit toward Global Entry or TSA PreCheck application fee, every four years
• 15% discount on award travel booked through Delta (not applicable to taxes, fees or partner-operated flights)
• No foreign transaction fees

Final Thoughts

Whether you’re looking to get lounge access from a co-branded airline business card or a flexible rewards business card, there are a number of options out there.

If lounge access is a priority for your business travel, the key is to match the lounge network to the way you fly. If you want the widest coverage with flexibility across airlines and airports, The Business Platinum Card® from American Express stands out for its unparalleled access to The Centurion Lounge network, Delta Sky Clubs, Priority Pass and many more networks.

If you’d prefer a lower annual fee and still want access to both Priority Pass and a growing network of premium lounges, the Capital One Venture X Business Credit Card delivers strong value.

On the other hand, if loyalty to a specific airline is part of your travel routine, co-branded cards like the New United℠ Club Business Card or the Delta SkyMiles® Reserve Business American Express Card can make sense, offering direct access to their respective lounges and added perks when you stick with that airline.