Credit cards with airport lounge access | finder.com

Credit cards with airport lounge access

You’re ready to travel in luxury, and that means relaxing in airport lounges before your flights. Check out credit cards that offer access into your preferred lounges and where you travel most often.

The Platinum Card® from American Express

  • Earn 60,000 Membership Rewards® points after you use your new card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5x Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn more.
  • $200 airline fee credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms apply.
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Hilton Honors American Express Surpass® Card

  • Earn 130,000 Hilton Honors Bonus Points and a free weekend night reward after you spend $4,000 in purchases on the card within your first 4 months of card membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your card in a calendar year.
  • Earn 12x Hilton Honors Bonus Points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton Portfolio.
  • Earn 6x Hilton Honors Bonus Points for each dollar of eligible purchases on your card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3x Hilton Honors Bonus Points for all other eligible purchases on your card.
  • Spend $40,000 on eligible purchases on your card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms apply.
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Luxury Card Mastercard® Gold Card™

  • 24k gold-plated card
  • 2% point value when you redeem for airfare or cash back
  • Enjoy 24/7 access to Luxury Card Concierge
  • $200 annual airline credit toward qualifying airline purchases
  • $100 Global Entry application fee credit
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Luxury Card Mastercard® Black Card™

  • Stainless steel card
  • 2% point value when you redeem for airfare
  • 1.5% point value when you redeem for cash back
  • Enjoy 24/7 access to Luxury Card Concierge
  • $100 annual airline credit toward qualifying airline purchases
  • $100 Global Entry application fee credit
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How to pick a card with airport lounge access

Lounge access is awesome, but you want to make sure you’re picking a well-rounded 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 match where you’re likely to visit.
  • Card perks. What other benefits does the card offer that you’ll actually use? High-end cards often come with strong rewards programs and exclusive travel perks.
  • Annual fee. Luxury cards often require high annual fees, so make sure you’ll take advantage of perks that make the annual fee worth it.

How do travel rewards credit cards work?

Travel credit cards are a type of rewards card that pays miles on your purchases. Rewards are often expressed as miles per dollar — for example, 1 mile earned for every dollar in purchases. After you accumulate enough miles, you can redeem them to purchase a flight or other travel perks. 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 for select 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.

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 the ways you can maximize your rewards.

  • 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 highest-earning categories. If your travel card offers stronger 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. You’ll earn airline rewards faster by focusing on categories that earn double and triple miles.
  • Book with the airline directly. You may be used to using Expedia or Orbitz to book your travel at the lowest prices. But 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 frequent flyer program increase the opportunity to reach elite status. Generally, as your frequent flyer status increases, you’ll earn more miles per flight. “Elite” miles aren’t always redeemable for flights, but they can help you reach a frequent flyer status that rewards you with additional perks like free first-class upgrades, priority boarding and mileage bonuses — and earn free flights more quickly.
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