5 of the Best Travel Credit Cards with Lounge Access

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If there’s one thing I’ve learned from years of airport hopping and international layovers, it’s this: airport lounges are everything. I used to be the traveler camped out at the gate, clutching a coffee and scanning for an open outlet. But once I got my first taste of a lounge—plush seats, quiet spaces, free drinks, and real food—I was hooked. It changed the way I travel entirely. And guess what? You don’t need to fly first class to get in. Over the years, I’ve tested and traveled with several credit cards that offer lounge access, and let me tell you, they are worth it. If you’re wondering which one is right for you, I’m here to break down the best travel credit cards with lounge access from someone who’s swiped, lounged, and learned through experience.

Introduction: Are Airline Credit Cards Worth It?

As a frequent traveler, I’ve come to cherish the moments of respite found in airport lounges. These sanctuaries offer a peaceful escape from the bustling terminals, complete with comfortable seating, complimentary refreshments, and a tranquil environment. Over the years, I’ve explored various credit cards that grant lounge access. Each offering unique benefits tailored to different travel styles. In this guide, I’ll share my personal experiences with some of the best travel credit cards with lounge access, helping you find the perfect companion for your journeys.

1. The Platinum Card® from American Express: A Gateway to Luxury Lounges

My journey into premium airport lounges began with The Platinum Card® from American Express—and it changed everything. The moment I walked into a Centurion Lounge, I knew I could never go back to gate sitting. Chef-prepared meals, craft cocktails, even spa services in some spots—it felt like a private retreat from airport chaos.

What sets this card apart is the American Express Global Lounge Collection. You don’t just get Centurion access—you also unlock Priority Pass™ Select, Delta Sky Clubs® (when flying Delta), Escape Lounges, and more. That’s over 1,400 lounges worldwide.

But the perks go beyond just lounges. You’ll get airline fee credits, elite status with hotels and car rentals, and a stack of luxury travel benefits. Yes, the annual fee is steep—but I’ve more than made up for it, especially during busy travel seasons. Just keep in mind: some perks, like Priority Pass, need to be activated after you get the card.

2. Chase Sapphire Reserve®: Balancing Lounge Access and Travel Rewards

After years with Amex, I wanted a card that offered strong travel rewards and lounge access. That’s when I picked up the Chase Sapphire Reserve®—and it quickly became a favorite. It comes with Priority Pass Select membership, which means entry to 1,300+ airport lounges worldwide. I’ve used it across Asia and Europe, and those quiet, comfortable lounges always make layovers more bearable.

But the real magic? The rewards. You earn 3x points on travel and dining, and Chase Ultimate Rewards® are super flexible for booking flights or transferring to airline partners. The travel protections are also top-tier—think trip delay reimbursement and primary rental car insurance.

Yes, the annual fee is high, but it includes a $300 travel credit each year, which instantly softens the blow.

3. Capital One Venture X Rewards Credit Card: Modern Lounges and More

One of the newer players in the premium travel card space is the Capital One Venture X Rewards Credit Card, and it’s quickly become a favorite of mine. Capital One’s own branded lounges—like the one at Dallas-Fort Worth (DFW)—are sleek, modern, and incredibly well thought-out, with craft cocktails, grab-and-go options, relaxation rooms, and fast Wi-Fi.

This card also includes Priority Pass membership, giving you global lounge access no matter where you’re headed. The overall experience feels fresh and modern—ideal for travelers who want both comfort and convenience.

One of the biggest perks for me is the $300 annual travel credit when booking through Capital One Travel. It makes the $395 annual fee much easier to justify. You also get 10x miles on hotels and rental cars booked through their portal, which adds up quickly. With unlimited lounge access for you and two guests, this card delivers real value without the ultra-high fees of some competitors.

4. Citi® / AAdvantage® Executive World Elite Mastercard®: Tailored for American Airlines Flyers

If you frequently fly American Airlines, this card is worth considering. The Citi® / AAdvantage® Executive World Elite Mastercard® comes with an Admirals Club membership, giving you access to American’s exclusive lounges in airports around the country and abroad. Whether I was facing a long layover or a delayed flight, the Admirals Club always offered a relaxing space to recharge, grab a snack, or get some work done.

Aside from lounge access, the card includes useful perks like priority boarding, your first checked bag free, and the ability to earn AAdvantage® miles on everyday purchases. While the $595 annual fee is a commitment, it’s roughly what an Admirals Club membership costs on its own—so if you’re flying American regularly, it makes perfect sense.

Just keep in mind that the lounge benefit is tied specifically to American Airlines travel, so this card works best for loyal AA flyers.

5. Delta SkyMiles® Reserve American Express Card: Premium Delta Experience

The Delta SkyMiles® Reserve American Express Card completely upgraded my airport routine. It gets you into Delta Sky Clubs and Centurion Lounges when flying Delta—perfect for delays or just grabbing a drink and real food before takeoff.

Perks go beyond lounges. You get priority boarding, complimentary upgrades (if you’re a Medallion Member), and a valuable companion certificate each year—great for offsetting the $650 annual fee.

This card shines if you’re already loyal to Delta. Most of its best benefits are tied to flying with the airline.

Discover the top travel credit cards offering airport lounge access, based on personal experiences and expert reviews.

Conclusion: Best Travel Credit Cards With Lounge Access

Choosing the best travel credit card with lounge access depends on your travel habits, preferred airlines, and desired benefits. Reflect on your typical routes, lounge preferences, and how often you travel to determine which card aligns best with your lifestyle. Each of these cards offers unique advantages, and the right choice will enhance your travel experience, making airport journeys more comfortable and rewarding.