Best Credit Cards for Lounge Access in 2026

Best for Flexible Travel Rewards: Capital One Venture X

The Capital One Venture X Rewards Credit Card gives primary cardholders access to Capital One Lounge and Capital One Landing locations, plus 1,300+ participating Priority Pass™ lounges worldwide after enrollment. The annual fee is $395 (Rates & Fees).

Capital One changed its complimentary guest access in 2026, so the card is less generous for couples and families than it used to be. Read what changed with Venture X guest access and check Capital One's lounge terms before you travel with a companion.

Venture X earns miles on every purchase, which makes it a simpler option if you want lounge access without tying yourself to a single airline.

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Best for Travel and Dining Rewards: Chase Sapphire Reserve®

The Chase Sapphire Reserve® includes complimentary access to Chase Sapphire Lounges by The Club and 1,300+ Priority Pass™ airport lounges worldwide, with up to two guests. Chase also lists access to select Air Canada Maple Leaf Lounges and Air Canada Cafés with an eligible boarding pass.

The annual fee is $795. The card also carries a $300 annual travel credit each account anniversary year, which offsets part of that fee if you travel regularly.

Chase Sapphire Lounges have been changing how they work with Priority Pass, so see our update on Sapphire Lounges and Priority Pass if you use those lounges with another card.

^{Points are not earned until after the first $300 is spent annually on travel purchases. The first $300 goes toward the $300 Annual Travel Credit.}

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Best for Delta Loyalists: Delta SkyMiles® Reserve American Express Card

The Delta SkyMiles® Reserve American Express Card gives you 15 visits each Medallion® Year to the Delta Sky Club® when flying Delta. You can unlock unlimited Delta Sky Club access after spending $75,000 in purchases on the card during a calendar year.

Reserve Card Members also get complimentary access to The Centurion® Lounge when they book their Delta flight with the Reserve Card. If most of your flights are on Delta, that pairing covers the lounges you are most likely to pass.

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^{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

Best for United Travelers: United Club℠ Card

The United Club℠ Card includes United Club℠ card membership, which lets the primary cardmember bring one adult guest and dependent children under 18 on each visit. Star Alliance partner lounge access is not included with this membership.

You can earn United Club All Access membership by spending more than $50,000 on the card in a calendar year or by earning Premier Gold status or higher. The annual fee is $695.

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Best for Marriott Loyalists: Marriott Bonvoy Brilliant® American Express® Card

The Marriott Bonvoy Brilliant® American Express® Card is a hotel card, but it lets you enroll in Priority Pass™ with an unlimited number of visits to over 1,300 airport lounges in over 130 countries, regardless of which airline or class you fly.

It is the best fit if you already stay with Marriott often and want lounge access as a bonus rather than the main reason to carry the card. Compare it with its sibling in Marriott Bonvoy Brilliant vs. Marriott Bonvoy Bevy.

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^{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

Best for Business Travelers: The Business Platinum Card® from American Express

The Business Platinum Card® from American Express offers the same Global Lounge Collection® as the personal Platinum Card: access to over 1,550 airport lounges, including Centurion® Lounges and Priority Pass™ Select (enrollment required).

It includes 10 Delta Sky Club® visits to be used from February 1 until January 31 of the next calendar year, and you can unlock unlimited Delta Sky Club access by spending $75,000 in eligible purchases on the card in a calendar year.

Read our Business Platinum Card review for the card's other business benefits.

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^{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

How Do the Top Lounge Access Cards Compare?

The Platinum Card covers the most lounges by count, thanks to Centurion Lounges, Priority Pass and its partner lounges, though Delta Sky Club visits are capped at 10 a year. Venture X and Sapphire Reserve both pair Priority Pass with their own lounge brands.

Guest rules are where these cards differ most. Sapphire Reserve allows up to two guests in Sapphire Lounges and Priority Pass lounges, while Venture X scaled back complimentary guest access in 2026.

If you fly one airline most of the time, an airline card is usually the better fit. Delta flyers get 15 Sky Club visits a year with the Delta Reserve, and United flyers get a full United Club membership with the United Club Card.

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^{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

Not sure which of these fits your spending? Kudos Test Drive shows what you would earn before you apply, based on the spending you enter. Read how to test drive a credit card before you apply.

Bottom Line

Start with the airports and airlines you use most. A premium travel card such as the Platinum Card, Venture X or Sapphire Reserve covers the widest range of lounges, while the Delta Reserve and United Club Card make more sense if you are loyal to one airline.

Check visit caps and guest rules before you apply, since several of these benefits changed in 2025 and 2026. For more options, see our guide to the best credit cards with Priority Pass.

Lounge Access FAQ

Which credit card gets you into the most airport lounges?

Among the cards in this guide, the Platinum Card® from American Express and the Business Platinum Card® list the largest network, with access to over 1,550 airport lounges through the Global Lounge Collection®.

Can I bring a guest into the lounge with my credit card?

It depends on the card. Sapphire Reserve allows up to two guests in Sapphire Lounges and Priority Pass lounges, and United Club card membership allows one adult guest plus dependent children under 18. Other cards limit or charge for guests, so check the issuer's current lounge terms.

Do authorized users get lounge access?

Not always. For example, United Club card membership is for the primary cardmember only, and authorized users can enter only as an eligible guest. Check each issuer's terms for authorized user lounge rules.

Do I need to enroll in Priority Pass?

Yes. The Platinum Card, Business Platinum Card, Marriott Bonvoy Brilliant, Venture X and Sapphire Reserve all require you to enroll in Priority Pass before your first visit.