6 Best Business Credit Cards With Lounge Access for 2022

Without the free Wi-Fi, food, and service provided by luxury airport lounges, flying on a daily basis may be a dull experience. That’s why business credit cards with lounge access allow you complimentary memberships to airport lounges, which make waiting for planes more fun.

Most airport lounge access credit cards have been impacted by the COVID-19 epidemic. As a consequence, numerous airport lounges and clubs have been temporarily shuttered or have restricted access as a result of the situation. In this post, we’ll continue to talk about the cards that have the finest lounge access under typical circumstances. For additional information on how to travel safely, go to the website of the Centers for Disease Control and Prevention (CDC).

American Express’s Business Platinum Card®

• Earn 100,000 Membership Rewards® points after spending $15,000 on qualifying purchases with the Business Platinum Card in your first three months of card membership.
• On amextravel.com, earn 5X Membership Rewards® points on flights and prepaid hotels.
• Increase your Membership Rewards® points by 50%. On each qualified purchase of $5,000 or more, you’ll get an additional half-point per dollar. Each year, you may earn up to 1 million bonus points.
• When you book on amextravel.com and pay with Membership Rewards® Pay with Points for all or part of a ticket with a qualifying airline, you may earn 35 percent of your points back, up to 500,000 bonus points each calendar year.
• Use CLEAR® to breeze past security and receive up to $179 back every year on your membership when you use your Card.
• Enroll to get up to $200 in statement credits yearly and up to $100 in semi-annual statement credits for Dell purchases made in the United States. Terms and conditions apply.
• PAY OVER TIME OPTION: A flexible payment option for purchases of $100 or more to assist manage the financial flow.
• Terms and Conditions apply.

Pros

• Over 1,200 airport lounges across the globe are available to you for free.
• Reimbursement of membership fees for Global Entry or TSA Pre®

Cons

• The balance is required in full every month.
• The yearly charge is steep at $595.

Features

• American Express lounges: Free admission to American Express’ Centurion lounges, which are available in little over a dozen US airports.
• Other airport lounges: Priority Pass Select membership, which grants you and two guests free access to over 1,000 lounges worldwide.
• A $100 statement credit for Global Entry every four years or a $85 statement credit for TSA Pre® every four and a half years for airport screening.
• A $200 yearly statement credit against air travel expenditures like as baggage fees and in-flight food and beverage.
• Rental status: At a number of automobile rental businesses, you have elite status.
• Free Wi-Fi: ten free Gogo in-flight Wi-Fi passes each year.
• Rebate for redeemed points: If you book a business or first-class flight, you’ll get a 35 percent points rebate, up to 500,000 extra points every calendar year.
• Dell statement credit: For Dell purchases, you may get up to $200 in statement credits each year.

Why we like it:

The American Express Business Platinum Card® provides more travel advantages than any other business credit card, including exclusive lounge access. This heavy hitter is not just a terrific travel business credit card, but it’s also one of the finest small company credit cards on the market. You’ll also receive greater lounge access than with any other business card thanks to the American Express Global lounge collection and over 1,300 Priority Pass locations.

The following airport lounges are accessible with this card:

• Houston George Bush Intercontinental Airport, Las Vegas McCarran International Airport, Dallas/Fort Worth International Airport, San Francisco International Airport, Miami International Airport, Seattle-Tacoma International Airport, New York LaGuardia Airport and Philadelphia International Airport all have Centurion® Lounges.
• The International American Express Lounges are a collection of 13 private airport lounges available to American Express customers traveling worldwide. Argentina, Australia, Hong Kong, India, and Mexico all have lounges. Cardholders are entitled to limitless free access.
• Cardholders get unrestricted gratis access to over 1,300 Priority Pass lounges in 148 countries. One visitor is also admitted free of charge.
• The Airspace Lounge is exclusively available at the San Diego International Airport. Members of the American Express Business Platinum Card® will get unlimited free entrance for themselves and two guests.
• Cardholders and two more guests will get unrestricted free entry to any Escape Lounge at any of the ten airports around the United States.
• Delta Sky Club: To get entry to the Delta Sky Club, you must have a Delta Air Lines boarding card. However, there are more than 40 lounges spread throughout international airports, most of which are in the United States.
• Plaza Premium Lounges: Cardholders get access to Plaza Premium Lounges at over 30 international airports for free. China, Canada, Europe, Asia Pacific, India, and the Middle East all have lounges.

Sapphire Reserve®

• After you spend $4,000 on purchases in the first three months after activating your account, you will get 50,000 bonus points.
• Each account anniversary year, you’ll earn up to $300 in statement credits as compensation for travel expenditures made with your card.
• Three times the points on travel and dining

Pros

• Credit for the trip each year
• When used for travel, rewards are worth 50% more.
• Access to the airport lounge is complimentary.

Cons

• There is a hefty yearly cost that is never waived.
• Merchandise redemption value is lower as a result of the lower reward redemption value
• Excellent personal credit is required.

Features

• Prior to flying, take advantage of free access to more than 1,000 priority pass lounges throughout the globe.
• Credit for the trip each year: You’ll receive a $300 credit for a trip each year that can be applied liberally toward your travel purchases.
• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• Trip delay insurance covers unreimbursed expenditures such as food and housing up to $500 if your flight is delayed for more than 12 hours or you need to stay overnight as a consequence of the delay.
• Cost credit for Global Entry or TSA Pre®: Get a $100 statement credit every four years as payment for the application fee payable to your card.
• Trip cancellation and trip interruption insurance: Covers prepaid, nonrefundable travel expenditures up to $10,000 per vacation if your trip is cut short or stopped due to illness or severe weather.

Why we like it:

If you’re not into airline-specific lounges, consider the Sapphire Reserve® is a Chase product. This personal credit card offers Priority Pass lounge membership with free Wi-Fi, beverages, and snacks at more than 1,300 VIP locations in 500 cities. You’ll also get complimentary lounge access for up to two accompanying guests. Plus, with the $300 annual statement credit, you’ll receive a nice reimbursement on travel purchases each year.

While you won’t be able to use this personal card to establish your company credit, you will still be able to obtain tremendous perks on business spending, such as substantial recurring rewards and a big initial bonus. For example, Lyft trips may earn you up to 10x points. This card also comes with a slew of other benefits, like travel insurance and a security screening fee credit. While the yearly subscription is high, the benefits make it well worth it.

American Express Delta SkyMiles® Reserve Business Card

• Limited-time offer: Spend $5,000 on your new Card in the first three months to earn 80,000 bonus miles, 20,000 Medallion® Qualification Miles (MQMs), and a $200 statement credit. The offer expires on November 10th, 21st.
• Earn 15,000 Medallion® Qualification Miles (MQMs) after spending $30,000 on your Card in a calendar year with Status Boost®, up to 4 times each year, bringing you closer to Medallion Status.
• When you book a Delta ticket with your Delta SkyMiles Reserve Card, you’ll get admission to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner for free.
• After spending $150,000 on your Card in a calendar year, you’ll earn 1.5 miles per dollar on qualifying purchases for the remainder of the year (an additional half-mile per dollar). Only the higher mileage accelerator will apply if your purchase qualifies for a category with a higher mileage accelerator (ex: you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
• When you spend money abroad, you won’t have to pay any international transaction fees.
• On qualified purchases made directly with Delta, get 3 miles for every dollar spent.
• There are certain restrictions.

Pros

• Access to the Delta Sky Club is unlimited.
• The Centurion Lounge of American Express is open to you for free.

Cons

• The yearly charge is $550.
• There are no options for introductory financing.

Features

• Annual miles boost: Earn 15,000 MQMs and 15,000 bonus miles after spending $30,000 each year.
• Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
• Free checked baggage: Receive free checked baggage for you and eight guests.
• Priority boarding: You can board your flight when Main Cabin 1 priority boarding is called.
• In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
• Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.

Why we like it:

With the American Express Delta SkyMiles® Reserve Business Card, you’ll not only get unlimited complimentary access to more than 50 Delta Sky Clubs, but you’ll also get The Centurion Lounge of American Express is open to you for free.®. These lounges are located around the world, including the United States. This card is a great fit for business travelers who fly primarily with Delta Air Lines.

You’ll also get two free one-time guest tickets to Delta Sky Club lounges in addition to your membership. After that, you’ll have to pay per visit for each additional visitor. However, you may obtain guest permits for up to two more visitors at a discounted per-visit charge of $39 per person.

Additional benefits include gratis upgrades and free checked luggage with this card. Not to mention, you may start with a good welcome bonus offer and amazing recurring perks. You’ll save a lot of money on travel expenditures if you redeem points for free Delta tickets.

The United ClubSM Business Card

• Earn a bonus of 100,000 miles
• Membership in the United ClubSM
• 2 Travel services provided by Premier Access®
• The first and second checked bags are complimentary.
• When you buy tickets from United, you get double miles.
• On all other purchases, you’ll get 1.5 miles each $1 spent.
• There are no costs for international transactions.

Pros

• United Club membership is free.
• The first and second checked luggage is free.

Cons

• The yearly price is rather high.
• Low long-term incentives.

Features

• United Club Passes: Get free access to United Club locations for you and your travel companions
• Free checked bags: Receive two free checked bags for you and your companion on the same reservation
• Premier Access: You’ll get an expedited airport security screening line, priority boarding, and priority baggage handling for you and your companions on the same reservation
• Hertz Gold Plus Rewards elite status: Get access to join Hertz Gold Plus Rewards President’s Circle for exclusive perks and discounts.
• Trip insurance: Get reimbursed when your trip is canceled, up to $10,000 per person and $20,000 per trip. You’ll also be covered if your trip is delayed up to 12 hours for an eligible reason.
• Baggage delay insurance: Your luggage is covered if it’s delayed or misdirected for more than six hours, up to $100 per day.
• Lost luggage reimbursement: You’re covered for any lost or damaged luggage during your travel with United Airlines and partner airlines, up to $3,000 per person.
• Auto rental collision damage waiver: You’re covered for a damaged or stolen rental vehicle when you waive the car rental dealer’s insurance and the entire rental purchase is placed on the card
• Purchase protection: You’ll receive repair, a replacement, or reimbursement for items that were damaged or stolen with 120 of purchase, up to $10,000 per item and $50,000 per year.
• Extended warranty protection: You’ll be covered for an additional one year of warranty protection with manufacturer’s warranties three years and under, limited to $10,000 per item and $50,000 per year.

Why we like it:

If you’re a United Airlines frequent flyer, the Business Card for United ClubSM should be at the top of your list. With this card, you’ll get complimentary access to all United Club and participating Star Alliance™ locations in 45 airports across the US and internationally. You can also enjoy complimentary beverages, snacks, and Wi-Fi for you and up to two other guests.

Priority security screening, reduced in-flight purchases, and free checked bags are all included with the United ClubSM Business Card. Cardholders may receive flat-rate rewards on purchases and one of the best sign-up incentives anywhere. After that, you may use your points to get free United Airlines tickets.

Hilton Honors American Express Business Card

• Earn up to 180,000 Hilton Honors Bonus Points as a welcome bonus. Spend $2,000 on the Hilton Honors Business Card in the first three months of card membership to get 130,000 bonus points. Plus, after spending $10,000 on the Card in the first six months, you may earn an extra 50,000 Hilton Honors Bonus Points.
• Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
• With your Hilton Honors Business Card, you’ll get free Hilton Honors Gold Status.
• After spending $15,000 on your Card in a calendar year, you’ll get a Weekend Night Reward from Hilton Honors.
• After spending an additional $45,000 on your Card in the same calendar year, you’ll get another Weekend Night Reward from Hilton Honors.
• Terms and Conditions apply.

Pros

• Each year, Priority Pass members are entitled to ten complimentary visits to airport lounges.
• Hilton Gold Status is free.

Cons

• Other than hotel stays, there are few choices for redemption.
• The value of Hilton points is only half that of competing hotel reward schemes.

Features

• Complimentary Gold Status: You will receive complimentary Hilton Honors Gold Status, which gets you additional benefits like complimentary breakfast and rollover nights.
• Free weekend night reward: Earn a free weekend night reward after you spend $15,000 in one year; earn a second weekend night reward after you spend $60,000 in one year.
• Purchase protection: Covers your purchases for 120 days from the purchase date if they’re damaged or stolen; coverage is limited to $1,000 per item and $50,000 per year.
• Extended warranty protection: Offers up to an additional two years of coverage on manufacturers’ warranties of five years or less.

Why we like it:

The American Express Hilton Honors Business Card is great for Hilton hotel enthusiasts who only visit airport lounges a few times a year. Because this card offers 10 Priority Pass lounge visits each year, it’s a better fit for business owners who don’t need unlimited lounge access. However, with more than 1,300 lounge locations worldwide, you’ll have no shortage of Priority Pass clubs, restaurants, and minisuites to visit.

If you were to buy a 10-visit pass separately, the 10 visits you receive for free with this card would cost $299. With Hilton Honors Gold status—the second-highest Hilton membership tier—you’ll also gain extra goodies like free breakfast and rollover nights.

On stays at Hilton hotels and resorts, you’ll receive the greatest recurring rewards possible. This card, on the other hand, generates great benefits on everyday travel and business expenditures, such as petrol and mobile services. These points may be used for free hotel stays and easy travel.

Executive World EliteTM Mastercard® from Citi® / AAdvantage®

• After $5,000 in purchases during the first three months of account creation, get 50,000 American Airlines AAdvantage® bonus miles.
• After spending $40,000 in one year, you’ll earn 10,000 Elite Qualifying Miles.
• Access for approved users is included in the Admirals club membership, which has a value of up to $650.
• For every $1 spent on qualified American Airlines purchases, you’ll earn 2 miles.

Pros

• A substantial welcome bonus is available.
• Travel on American Carriers and partner airlines may be redeemed for rewards.

Cons

• A hefty yearly charge is required.
• Dates that aren’t available.

Features

• Admirals Club® membership: Get full membership access to Admirals Club® lounges.
• Global Entry or TSA Pre✓® credit: Receive one statement credit for Global Entry or the TSA Pre ✓® application fee every five years, up to $100.
• Free first checked bag: When flying with American Carriers or one of its member airlines, you will get one free checked bag.
• Priority airport screening: You and up to eight companions will get priority airport screening.
• Priority Boarding: Get priority boarding on American Airlines flights
• Inflight discounts: Get 25% off of inflight food and beverage purchases.
• Concierge services: Receive complimentary concierge services.

Why we like it:

If you fly regularly with American Airlines, you should consider the Executive World EliteTM Mastercard® from Citi® / AAdvantage®. This personal credit card comes with an Admiral Club membership that’s worth up to $650. American Airlines loyalists have free access to 50 Admiral Club lounges and 60 partner lounges worldwide. Plus, this card comes with a host of other travel benefits, including priority check-in and discounted inflight purchases.

With the free Global Entry or TSA PreCheck apps, you’ll gain expedited security clearance and access to shorter airport security lineups. You may also get to your flight even quicker with priority boarding. Plus, you won’t miss out on amazing benefits thanks to the continuous flat-rate incentives and a generous first welcome gift.

You won’t be able to use this card to develop company credit since it’s a personal credit card. Personal credit card issuers use your personal information to report credit card activities, including payment history, to consumer credit agencies. As a consequence, this action will not be recorded on your business’s credit report. Business credit cards use your company’s details to submit card activity to business credit agencies, making it simpler to develop business credit.

How We Assessed Business Credit Cards With Access To A Lounge

We looked for cards that provide free access to airport lounges to identify the top business credit cards with lounge access. We emphasized the sort of lounge access that may be obtained using a given card above the card’s benefits and price structure. In certain circumstances, the best card for you may be determined by the airline with which you travel the most.

Conclusion

Airport lounge access credit cards are ideal for frequent travelers who wish to take advantage of unique airport amenities while waiting for flights. The finest packages include endless free airport lounge access. If you can’t acquire unlimited access, though, cards that allow restricted lounge access for free are a wonderful option.

Frequently Asked Questions

Which card gives access to airport lounges?

A United Club membership card.

What is the most VIP credit card?

The most VIP credit card is the Chase Sapphire Reserve. This has a lot of benefits that would make it worth going with, such as no foreign transaction fees and travel rewards on major purchases.

How do I get free airport lounge access?

The airport lounge access membership is an annual benefit that’s offered to frequent flyers, who are members of the Global Services loyalty program. To receive any benefits associated with this perk, you must have a valid boarding pass for your flight and present it to a representative at check-in counter or gate.