Credit cards with airport lounge access

Check out credit cards that offer access into your preferred airport lounges around the globe.

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People relaxing at an airport waiting for a flight

You’re ready to travel in luxury, and that means relaxing in airport lounges before your flights. There are plenty of credit cards in Canada that offer airport lounge access, and while some offer complimentary access, others do not – so read the terms and conditions before you apply for the card.

Scotiabank Gold American Express Card

Scotiabank Gold American Express Card

19.99 % APR

Purchase interest rate

Eligibility criteria, terms and conditions, fees and charges apply

Scotiabank Gold American Express Card

Apply today and earn up to 20,000 bonus Scotia Rewards points when you spend at least $1,000 in the first three months.

  • Purchase interest rate: 19.99%
  • Cash advance rate: 22.99%
  • Balance transfer rate: 22.99%
  • Annual fee: $120
  • Credit rating: 650+
  • Minimum age: Age of majority in province/territory of residence
  • Minimum income: $12,000
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Compare credit cards with airport lounge access

Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
Scotiabank Gold American Express Card
19.99%
22.99%
$120
$12,000
Earn 5 Scotia Rewards points per $1 spent on eligible grocery, dining and entertainment purchases, 3 points per $1 spent on eligible gas, transportation and select streaming services, and 1 point per $1 spent on eligible purchases elsewhere.
Earn 20,000 bonus Scotia Rewards points when you spend at least $1,000 on eligible purchases in the first 3 months. Apply by July 1, 2020.
Scotiabank Passport  Visa Infinite Card
19.99%
22.99%
$139
$60,000
Earn 2 Scotia Rewards points for every $1 spent on eligible grocery store, dining, entertainment and daily transit purchases, and earn 1 Scotia Rewards point for every $1 spent elsewhere.
Earn up to a total bonus of 40,000 Scotia Rewards points (up to a $400 travel value) in your first year. Earn 30,000 Bonus Scotia Rewards points when you spend at least $1,000 on eligible purchases within the first three months. Apply by July 1, 2020. Plus, earn 10,000 Bonus Scotia Rewards points each year when you spend at least $40,000 annually on eligible purchases (and earn 2,000 Bonus Scotia Rewards points for every additional $10,000 in purchases thereafter).
The Platinum Card from American Express
N/A
N/A
$699
N/A
Earn 3 Membership Rewards points for every $1 spent on eligible dining in Canada, 2 Membership Rewards points for every $1 spent on eligible travel purchases as well as hotel and car rental bookings made with American Express Travel, and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
As a new Platinum Cardmember, earn up to 60,000 Membership Rewards points in the fist six months. Earn a Welcome Bonus of 50,000 Membership Rewards points when you spend at least $3,000 on eligible purchases within the first three months. Receive an additional 10,000 Membership Rewards points after six months of cardmembership
BMO AIR MILES World Elite Mastercard
19.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
$80,000
Get 1 AIR MILE for every $10 spent on eligible purchases.
Earn a bonus of up to 3,000 AIR MILES. Terms apply. Plus, get the annual fee of $120 waived in the first year.
BMO World Elite Mastercard
19.99%
22.99%
$0 annual fee for the first year ($150 thereafter)
$80,000
Get 3 BMO Rewards points per $1 spent on eligible travel, dining and entertainment purchases (up to $50,000 spend annually), and get 2 BMO Rewards points per $1 spent on all other eligible purchases (and once you reach the $50,000 annual spend).
Earn a bonus of up to 35,000 BMO Rewards points with a minimum spend of $3,000 on eligible purchases in the first three months of card membership ($250 travel value to be used towards a flight booked through bmorewards.com). Plus, get the $150 annual fee waived in the first year.
BMO CashBack World Elite Mastercard
19.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
$80,000
Earn 1.5% cash back on all eligible purchases.
Get up to 5% cash back on all eligible purchases made within the first 3 months (up to a maximum spend of $4,000). Plus, get the first year annual fee of $120 waived.
Scotia Momentum Visa Infinite Card
20.99%
22.99%
$120
$60,000
Earn 4% cash back for every $1 spent on eligible grocery purchases & recurring bill payments, 2% per $1 spent on eligible gas purchases & public transit, and 1% per $1 spent on all other eligible purchases.
Get 10% cash back on all eligible purchases for the first 3 months (up to $2,000 in total purchases). Plus, pay no annual fee in the first year, including on supplementary cards. (A total Welcome Offer value of $350). Apply online by April 30, 2020.
Scotiabank Platinum American Express Card
19.99%
22.99%
$399
$12,000
Earn 4 Scotia Rewards points per $1 spent at eligible gas stations, grocery stores, and on dining and entertainment purchases, and earn 1 Scotia Rewards point for every $1 spent elsewhere.
Receive a bonus of 30,000 Scotia Rewards points upon first eligible purchase made within the first two months. Apply by July 1, 2020.
American Express AIR MILES Reserve Credit Card
20.99%
22.99%
$299
N/A
Earn 1 AIR MILE for every $10 spent on purchases at eligible stand-alone grocery stores, gas stations and drugs stores in Canada, as well as eligible AIR MILES partners, and earn 1 AIR MILE for every $15 spent on all other eligible purchases elsewhere
Earn a Welcome Bonus of 2,400 AIR MILES when you spend at least $3,000 in eligible purchases within the first three months.
Business Platinum Card from American Express
N/A
N/A
$499
N/A
Earn 1.25 Membership Rewards points for every $1 spent on eligible purchases
Earn a Welcome Bonus of 40,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months
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How to pick a card with airport lounge access

Airport lounge access is a great perk, but you’ll want to make sure you’re picking a well-rounded credit card that meets all of your needs.

  • Lounge availability. How many lounges are included in the card’s network? Does it offer access at your home airport? Make sure what’s offered matches where you’re likely to visit and the airlines that you commonly fly with.
  • Card perks. What other benefits does the card offer that you’ll actually use? High-end cards often come with strong rewards programs, exclusive travel perks and comprehensive insurance coverage.
  • Annual fee. Luxury cards often come with high annual fees, so make sure you’ll take advantage of the perks in order to make the annual fee worth the price.

How do travel rewards credit cards work?

Travel credit cards are a type of rewards card that awards you with points or miles for your purchases. Rewards are often expressed as miles or points per dollar — for example, 1 mile or point earned for every $1 in purchases. After you accumulate enough miles or points, you can redeem them to purchase a flight or other travel perks, such as seat upgrades or in-flight meals.

  • The number of rewards required for a flight varies by airline, flight, dates and the seat you choose.

Your credit card might earn you a higher number of miles or points for eligible purchases — such as airline-specific or travel purchases — and a lower number of miles on all other purchases. Maximize the rewards you get by using your credit card for the purchases that earn the most miles or points.

How to maximize your travel rewards

The more rewards you earn and the faster you earn them, the sooner you can accumulate enough points to book your free flight. After you’re approved for the travel credit card of your choice, consider these ways to help you maximize your rewards earning potential.

  • Earn the signup bonus. First, choose a credit card that offers a signup bonus. The bigger the bonus, the better. Use your card to pay for everything you possibly can within the bonus qualifying period.
  • Maximize spending in the highest-earning categories. If your travel card offers higher rewards on specific types of purchases, use your card for those purchases as much as possible. For example, if your card pays double points on restaurant purchases, pay for meals with it each time you dine out.
  • Book with the airline directly. You may be used to using Expedia or Orbitz to book your travel at the lowest prices. However, many travel credit cards won’t pay miles on purchases made through online travel sites. Instead, book your flight directly through the airline to earn rewards on your flight purchase.
  • Reach elite status. Miles you earn within an airline’s travel rewards program increase the opportunity to reach elite status. Generally, as your status increases, you’ll earn more miles per flight. “Elite” miles aren’t always redeemable for flights, but they can help you reach a higher rewards status that provides you with additional perks like free first-class upgrades, priority boarding, bonus miles and more.

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