Last updated on April 26th, 2023
Business travel can be a luxurious experience if you have the right business credit card. Possibly the most sought-out travel benefit amongst premium credit cards, airport lounge access makes for a more relaxed travel experience. Here are BestCards’ top pick business credit cards with airport lounge access.
At a Glance
The Best Business Credit Cards With Airport Lounge Access
Seeking out the perfect business credit card for your business needs is a task that involves time and research. Business credit cards come with all different offers, savings, and benefits. And if no airport lounge access is your deal breaker, then a luxury business credit card may be what you are looking for. We have gathered the top three business credit cards with lounge access and a few honorable mentions so that you don’t have to.
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
- See Terms Regular Purchase APR
At a Glance
Companies can expect the pinnacle of luxury when they use The Business Platinum Card® from American Express. This exclusive metal rewards card provides premium travel rewards, a huge welcome offer, and a variety of other perks for the savvy business traveler.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Welcome Offer: Earn 130,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases
- Earn 1.5X points (that's an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
- Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account
- $189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021
- $695 Annual Fee
- Terms Apply
- Regular Purchase APR: See Terms
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $695
- Late Payment Penalty Fee: $39 or 2.99% of any past due Pay in Full amount, whichever is greater
- Return Payment Penalty Fee: $39
- You travel often for work and can take advantage of a myriad of benefits including access to airport lounges
- You will make use of statement credits for Global Entry or TSA Precheck
- You prefer airline flexibility when redeeming your points for travel
The Business Platinum Card® from American Express requires excellent credit and has a luxurious annual fee of $695. However, the card features business benefits valued at over $1,000, which easily balances the annual fee. Among its featured benefits the card includes complimentary access to the Global Lounge Collection. The collection includes over 1,400 global airport lounges, including the following:
- The Centurion Network of Lounges & Studios
- Airspace
- Priority Pass Select
- Escape Lounges
- Plaza Premium
- Delta Sky Club
- Select Lufthansa Lounges
With the Business Platinum Card®, you will earn up to 5x points on purchases like flights, hotels, business categories, and more. The business credits alone make up for over $1,000 in value and include statement credits for the following services:
- Dell Technologies
- com
- Adobe Creative Solutions
- Wireless Credit
These are not the only statement credits available to cardholders. The Business Platinum card also features an airline fee credit, CLEAR® credit, airline points bonuses, and more.
Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles® Reserve Business American Express Card
- 20.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
If you or your employees regularly fly Delta, the Delta SkyMiles® Reserve Business American Express Card’s introductory bonuses and travel-specific perks are well worth the hefty $550 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Welcome Offer: Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership
- Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees
- With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You'll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you're traveling together
- When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge - The Centurion® Studio Partner
- After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that's an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X)
- Plus enjoy 3X miles per dollar on all eligible Delta purchases
- With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status
- Terms and limitations apply
- Regular Purchase APR: 20.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $550
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
- You travel frequently for work or have employees who do, and want to accumulate bonus miles while tracking spending habits
- You spend heavily with Delta Airlines
- You're looking forward to complimentary Delta Sky Club® access, priority boarding, and a free checked bag
- You don’t want to pay any foreign transaction fees
The Delta SkyMiles® Reserve Business American Express Card has much to offer business owners. Among its featured benefits, airport lounge access makes its list. The card has two options for accessing airport lounges. The first option for airport lounging is via the Delta Sky Club®Access. As a Delta SkyMiles® Reserve Business cardholder, you get complimentary access to the Delta Sky Club and an exclusive per-visit rate of $50 per person for up to two guests.
You also get two complimentary Delta Sky Club One-Time Guest Passes each year, so you can share the experience when you are traveling with a partner. In addition to the Delta Sky Club, cardholders will also receive complimentary access to The Centurion® Lounge and Escape Lounge. With the Delta SkyMiles® Reserve Business, you get more than just lounge access included with the $550 annual fee. Other benefits include the following:
- Shop With Miles to get travel discounts
- Annual companion certificate or a Domestic First Class, Delta Comfort+® certificate
- Access to complimentary upgrades after Medallion Members
- Priority boarding
- Free checked bag
- No foreign transaction fees
- Global Entry or TSA PreCheck® credit for smoother security check lines
- Various travel and rental car insurance
United Club Business Card
United Club Business Card
United Club Business Card
- 21.24% to 28.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.24% to 28.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
At a Glance
Business owners who are looking for a premium business credit card that earns reward miles with United airlines will find a good match with the United Club Business Card. Earn 2X miles per $1 spent directly with United Airlines, and 1.5X miles per $1 on all other purchases. Additionally, they’ll enjoy a hefty introductory bonus of 75,000 miles after using their r new card to spend $5,000 in the first three months of opening an account with the Chase United business credit card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 2 miles per dollar spent directly with United, including tickets, Economy Plus, in-flight food, beverages, and Wi-Fi
- Earn 1.5 miles per $1 spent on all other purchases
- First and second checked bags are free for cardholder and one companion
- Employee cards at no additional cost
- Complimentary United Club membership
- Premier Access® travel services
- 25% back on United inflight purchases
- 100,000 bonus miles after you spend $10,000 on purchases in the first 3 months your account is ope
- Regular Purchase APR: 21.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Annual Fee: $450
- Late Payment Penalty Fee: $40
- Return Payment Penalty Fee: $40
- You're a small business owner who wants to maximize your rewards earning potential with United
- You would like to earn 2x points per dollar with United
- You will take advantage of the introductory bonus by spending $5,000 in the first three months to earn 75,000 bonus miles
- You want a card with no foreign transaction fees
The United Club℠ Business Card is a premium business credit card that earns up to 2x miles on United purchases such as airfare, in-flight food, and more. It earns 1.5x miles per $1 spent on all other purchases too. But we are here for the lounge access.
The United Club℠ Business Card offers benefits that will have you traveling in luxury. For example, with the card, users get complimentary United Club membership access where they can relax comfortably before a flight with complimentary snacks, high-speed Wi-Fi, and more. That’s up to a $650 value per year, which more than balances the $450 annual fee.
The lounges are just the tip of the iceberg. Other credit card travel benefits include savings like free first and second-checked bags for your and a companion. This benefit alone can save you up to $320 per roundtrip. In addition, the travel perks include United’s Premier Access ® travel services such as priority check-in, security screenings boarding privileges, and more – for a smooth and stress-free travel experience.
Other featured benefits on the United Club℠ Business Card are as follows:
- Avis President’s Club® access
- Cardmember benefits at luxury hotels and resorts worldwide
- One-year complimentary DashPass for DoorDash
- No foreign transaction fees
- Free additional employee cards
- Welcome bonus offer
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Related Article: The Best Cards With Airport Lounge Access
