Top Credit Cards for Lounge Access: Your Guide for 2025

Travelling can be thrilling, but navigating crowded airports and long layovers can dampen the experience. That’s where credit cards with lounge access come to the rescue, transforming your pre-flight time into a relaxing, luxurious experience. From complimentary snacks and drinks to high-speed Wi-Fi and comfortable seating, airport lounges can make all the difference for frequent travellers.

In this guide, we explore the top credit cards for lounge access in 2025, highlighting their features, perks, and travel benefits. Whether you’re a seasoned globetrotter or just starting your travels, the right credit card can make your journey smoother and more enjoyable. Let’s dive in and find the perfect card to enhance your travel lifestyle!

What are Airport Lounges, and Why Are They Valuable?

Airport lounges are private spaces within airports designed to provide travellers with a more comfortable and exclusive experience while waiting for their flights. Unlike the bustling terminal areas, lounges offer a quiet, relaxing environment with amenities that enhance your travel experience.

Here’s what makes them so valuable:

1. Comfort and Convenience: Lounges typically feature plush seating, quieter surroundings, and fewer crowds, allowing you to unwind before your flight.

2. Complimentary Amenities: Many lounges offer free food, beverages, Wi-Fi, and even showers—perfect for refreshing after a long journey.

3. Work-Friendly Spaces: Business travellers can benefit from workstations, charging points, and high-speed internet to stay productive.

4. Exclusive Perks: Some lounges include premium services like spa treatments, private meeting rooms, and priority boarding assistance.

Accessing airport lounges can turn stressful travel moments into opportunities for relaxation or productivity, making them a must-have perk for frequent travellers. Many premium credit cards include complimentary lounge access, making it easier to enjoy these benefits without extra costs.

Benefits of Lounge Access

Having access to airport lounges can elevate your travel experience in more ways than one.

Stress-Free Travel

Airport terminals can be loud and chaotic, especially during peak travel times. Lounges provide a quiet space, allowing you to unwind before your flight. Whether you’re dealing with a delayed departure or a lengthy layover, lounges offer a haven to relax and escape the usual airport frenzy.

Complimentary Food and Drinks

Lounges typically offer a variety of snacks, meals, and beverages free of charge. Depending on the lounge, you might find everything from light refreshments to full meals. Beverages often include coffee, tea, juices, and even alcoholic options like wine and cocktails, helping you save money while enjoying quality offerings.

Comfortable Seating

Lounges have cozy seating, spacious layouts, and areas for relaxation. You can find spots to stretch out, recline, or settle into a private corner, making long waits far more comfortable.

Premium Amenities

Many lounges have luxurious amenities. Some include showers to freshen up, nap pods for a quick rest, or even spa treatments to rejuvenate. These premium features are particularly valuable for international travellers or those with long-haul flights.

Productivity Perks

Lounges are ideal for business travellers or those needing to stay connected. They offer workstations, power outlets, and reliable high-speed Wi-Fi, making it easy to catch up on emails, join virtual meetings, or finish last-minute projects. Lounges provide the tools and space needed to be productive while on the go.

Cost Savings

Airports are notorious for overpriced food and drinks, and Wi-Fi often comes at a cost. Lounge access eliminates these expenses by providing complimentary services. Over time, this can lead to significant savings, especially for frequent travellers.

VIP Experience

Lounge access elevates your travel experience, making you feel like a valued guest rather than just another passenger. The exclusivity and premium services make every trip feel special, adding a layer of luxury to your journey. It’s a perk that turns ordinary airport time into something extraordinary.

Are There Drawbacks to Lounge Access?

While airport lounges offer significant perks, there are some potential downsides to consider before making the most of your lounge access. Here are a few drawbacks to keep in mind.

Limited Access for Guests

Many lounges have strict policies regarding guests. While cardholders may have access, they may need to pay extra for guests or be restricted to a limited number of people. It can be frustrating for those travelling with family or friends, as the additional costs can add up quickly.

Crowded Lounges During Peak Times

Although lounges are designed to offer a relaxing environment, they can get crowded during busy travel periods, such as holidays or peak flight times. Overcrowding can reduce the comfort and tranquillity that lounges provide, leaving you with less space and fewer amenities to enjoy.

High Annual Fees for Premium Cards

Some credit cards offering lounge access come with high annual fees, which may not justify the benefits, especially for infrequent travellers. If you don't travel often enough to use the lounge access, the cost of maintaining the card might outweigh the value you get from the lounges.

Limited Lounge Availability for Some Airports

Not all airports have lounges or have limited lounge options. If you're flying through smaller airports or budget airlines that don’t partner with major lounge networks, you may not have access to a lounge. It can be disappointing, especially if you’re used to enjoying lounge perks at larger international airports.

The Quality of Lounge Services Can Vary

The quality of lounge amenities can vary greatly depending on the airport and the lounge network. While some lounges offer gourmet food, comfortable seating, and high-end services, others may provide basic snacks, cramped seating, and minimal amenities. This inconsistency can make it hard to rely on lounges as a guaranteed source of relaxation.

Restrictions on Time of Use

Some lounges restrict how long you can stay or when you can access the lounge. For example, if you're flying with an airline that only offers lounge access at certain times of the day, you may not be able to take advantage of the lounge during early morning or late-night flights.

Lounge Access Isn't Always Automatic

Even if you have lounge access via your credit card, it’s important to be aware of additional conditions. Some lounges require you to register or provide additional documentation to gain entry. If you’re not familiar with the access process, this can create delays and frustration.

Types of Airport Lounge Networks

Airport lounge access often depends on the network or membership you have. Here are the main types of lounge networks and what they offer.

Airline-Specific Lounges

These lounges are operated by individual airlines, such as Air Canada’s Maple Leaf Lounge, Delta Sky Club, or British Airways’ Galleries Lounge. They are typically available to business and first-class passengers or frequent flyers with elite status. Some airline credit cards also grant access to these lounges.

Global Lounge Networks

Global networks like Priority Pass and LoungeKey provide access to lounges across various airports and airlines worldwide. Membership is often included with premium credit cards to enjoy lounges regardless of the airline you’re flying with.

Alliance Lounges

Airline alliances, such as Star Alliance, oneworld, and SkyTeam, offer lounges to frequent flyers and premium-class travellers on member airlines. These lounges provide standardized services across partner airlines, making them convenient for international trips.

Independent Lounges

Independent lounges, like Plaza Premium or Escape Lounges, are not tied to any specific airline. They are accessible through memberships, day passes, or credit cards. These lounges are great for travellers flying budget airlines or without elite status.

Credit Card-Specific Lounges

Some credit card issuers, like American Express, operate their exclusive lounges. For example, the American Express Centurion Lounges provide high-end amenities for cardholders. These lounges are known for premium food, curated beverages, and exceptional service.

Pay-Per-Use Lounges

Pay-per-use lounges offer flexibility for travellers without memberships or credit card perks. You can purchase a day pass for access, making them an affordable option for occasional travellers looking to enjoy lounge benefits.

How to Get Airport Lounge Access

Accessing airport lounges isn’t as exclusive as it may seem.

Credit Cards with Lounge Benefits

Many premium credit cards offer complimentary lounge access as part of their perks. Cards affiliated with networks like Priority Pass or LoungeKey provide access to hundreds of lounges worldwide. Some cards, like those issued by American Express, also grant access to exclusive lounges such as the Centurion Lounges.

Airline Loyalty Programs

Frequent flyers with elite status in an airline’s loyalty program often receive lounge access. Even if you’re flying economy, your status can grant you entry to the airline’s lounges or partner lounges under alliances like Star Alliance or Oneworld.

Business or First-Class Tickets

Flying in premium cabins usually includes lounge access as part of your ticket. Access is often provided on domestic and international flights by the airline operating the flight or its partners.

Lounge Memberships

You can purchase memberships directly with programs like Priority Pass or individual airline lounges. These memberships often provide unlimited access for a set fee, ideal for frequent travellers without credit card perks or elite status.

Day Passes

If you’re an occasional traveller, many lounges offer day passes. For a fee, you can enjoy access for a single visit, which is great for long layovers or special trips where comfort is a priority.

Airport Lounge Apps

Apps like LoungeBuddy allow travellers to purchase lounge access on-demand. These user-friendly apps let you browse available lounges, amenities, and pricing at your chosen airport.

Military or VIP Access

Some places have free airport lounge access for active military personnel or VIPs, such as diplomats, often free of charge or at a reduced rate. Proof of eligibility is required for these perks.

Travel Packages and Promotions

Occasionally, travel packages or airline promotions include complimentary lounge access. Keep an eye out for deals when booking flights or vacation bundles.

Top Credit Cards for Lounge Access

Airport lounge access is a coveted travel perk, and many credit cards make it easier to enjoy this luxury. Here are some top credit cards with lounge access, including options for frequent flyers and budget-conscious travellers.

KOHO Prepaid Card

While KOHO isn’t a traditional credit card, its Extra and Everything plans offer excellent travel perks. It makes KOHO a great choice for travelers looking for a flexible and affordable option without the high fees of traditional credit cards. KOHO Everything includes travel benefits like no foreign transaction fees and cash back on every purchase.

American Express Platinum Card

Known for its extensive lounge access benefits, the Amex Platinum Card provides entry to the Centurion Lounge network, Priority Pass lounges, and more. It’s a premium choice for frequent travellers seeking luxury and convenience.

Scotiabank Passport Visa Infinite Card

This card offers six complimentary Priority Pass lounge visits yearly, making it ideal for moderate travellers. It also waives foreign transaction fees, adding more value for international trips.

RBC Avion Visa Infinite Card

The RBC Avion Visa Infinite card provides access to over 1,200 lounges worldwide via the Visa Airport Companion Program powered by DragonPass. It’s perfect for those who prioritize travel comfort and flexibility.

CIBC Aventura Visa Infinite Card

With four complimentary lounge visits per year through Priority Pass, this card is a strong contender for travelers who fly occasionally but still want to enjoy premium perks.

BMO World Elite Mastercard

This card includes access to the Mastercard Airport Experiences program powered by LoungeKey. It offers four annual complimentary lounge visits and travel insurance for a well-rounded travel experience.

Choosing the Right Credit Card with Lounge Access

Selecting a credit card with lounge access can significantly enhance your travel experience, but choosing one that aligns with your needs and lifestyle is important.

Assess Your Travel Frequency

If you travel often, a card with unlimited lounge access, such as the American Express Platinum Card, might be worth the investment. Occasional travellers can consider cards offering a limited number of annual lounge visits, like the Scotiabank Passport Visa Infinite or CIBC Aventura Visa Infinite, which can provide value without high fees.

Consider the Lounge Network

Ensure the card provides access to lounges in the airports you frequently use. For example, Priority Pass or LoungeKey memberships included with many cards offer broad global coverage, while airline-specific cards may restrict you to certain lounges.

Compare Annual Fees and Benefits

Higher annual fees often have premium benefits like unlimited lounge visits, enhanced travel insurance, or statement credits. For budget-friendly options, consider cards with lower fees that offer occasional lounge access.

Look for Additional Travel Perks

Many cards bundle lounge access with other benefits, like no foreign transaction fees, comprehensive travel insurance, or hotel discounts. These perks can add significant value, especially for international travellers.

Match Your Spending Style

Some cards, like KOHO’s Extra and Everything plans, cater to budget-conscious users by offering prepaid plans with lounge perks, ensuring you don’t overspend or accrue debt. Other cards may offer higher rewards on travel-related purchases, helping you earn points while enjoying lounge access.

Check Eligibility Requirements

Premium credit cards often require a strong credit score and higher income levels. If you’re building or repairing credit, consider alternatives like KOHO, which provides travel perks without a credit check or traditional card requirements.

Review Terms and Conditions

Carefully read the fine print to understand restrictions, such as whether lounge visits are free or require a small fee and limits on the number of guests you can bring.

Pros and Cons of Credit Cards with Lounge Access

Credit cards that offer lounge access come with various benefits, but they may not be for everyone. Here’s a breakdown of the pros and cons to help you decide if a credit card with lounge access is right for you.

Advantages

1. Enhanced Comfort and Convenience: Lounge access provides a peaceful, comfortable environment away from the chaos of crowded airport terminals. You can relax, enjoy snacks and drinks, and recharge before your flight.

2. Time-Saving: Airport lounges often feature fast-track services, like priority boarding, dedicated check-in counters, or expedited security, saving you time and stress.

3. Complimentary Food and Drinks: Most lounges offer free food, beverages, and Wi-Fi, saving you money on overpriced airport food. Some lounges even offer gourmet meals and premium drinks, adding value to your travel experience.

4. Productivity Boost: If you need to work during a layover or delay, lounges offer quiet workstations, high-speed internet, and power outlets, making it easy to stay productive while travelling.

5. Travel Perks and Rewards: Many credit cards that offer lounge access also come with other travel perks like no foreign transaction fees, travel insurance, or reward points on travel-related purchases.

Disadvantages

1. High Annual Fees: Many premium credit cards with lounge access come with high annual fees, which may not be worthwhile if you don’t travel frequently enough to make the most of the lounges.

2. Limited Lounge Access: Some cards provide limited access to lounges, such as a set number of visits per year or restricted access to certain airport lounges. If you travel often, this might not meet your needs.

3. Eligibility Requirements: Premium credit cards with lounge access often require a good to excellent credit score, making them inaccessible for some consumers, especially those with lower credit scores.

4. Guest Restrictions: Many cards restrict how many guests you can bring into the lounge, often requiring an additional fee for extra guests. It can be a disadvantage if you’re travelling with family or a group.

5. Overpaying for Unused Benefits: If you don’t travel often, the high annual fee of some credit cards with lounge access may not justify the benefit. You might end up paying for lounge access you don’t use.

Credit Scores for Airport Lounge Access Credit Cards

When applying for credit cards that offer airport lounge programss your credit score plays a significant role in determining whether you'll be approved. Here’s a guide on what you need to know about credit scores and how they relate to credit cards offering lounge access.

Premium Cards (Excellent Credit)

Many credit cards with lounge access, such as the American Express Platinum Card or RBC Avion Visa Infinite, are considered premium cards. These cards usually require a good to excellent credit score, typically around 700 or higher. A high credit score demonstrates to the lender that you are financially responsible, making you a suitable candidate for a high-fee, high-benefit card with access to airport lounges.

Benefits:

• Unlimited or a large number of lounge visits per year.

• Additional perks like travel insurance, concierge services, and premium rewards.

• High annual fees, often between $100 to $700, are offset by the extensive benefits.

Mid-Tier Cards (Good Credit)

Some cards with limited lounge access, such as the Scotiabank Passport Visa Infinite or CIBC Aventura Visa Infinite, may be available to those with good credit (around 650-700). These cards may offer fewer lounge visits or access to a smaller lounge network but still provide valuable travel perks.

Benefits:

• A few complimentary airport lounge access visits per year (often through Priority Pass).

• Moderate annual fees, usually around $120 to $200.

• Travel rewards and other useful benefits for frequent travellers.

Prepaid Cards (No Credit Score Requirement)

For those who may not meet the credit score requirements of traditional credit cards, KOHO Prepaid Card is an excellent alternative. Since KOHO is a prepaid card, it doesn't require a credit check or a high credit score.

Benefits:

• No credit check is required, making it accessible to those with no or poor credit.

• The prepaid model allows for better budgeting and control over spending.

• One annual lounge access pass is included.

Factors Affecting Approval

Besides credit scores, lenders will also look at:

• Income level: Higher income may help offset a slightly lower credit score.

• Debt-to-income ratio: A lower ratio indicates financial responsibility.

• Credit history: A long history of timely payments can improve your chances, even with a moderately lower score.

How to Maximize Your Lounge Access Perks

Airport lounges offer a range of valuable amenities, and knowing how to leverage your access fully can enhance your travel experience.

Plan Your Visits Around Layovers

If you have a long layover, the lounge can provide a peaceful environment to rest, work, or refresh. Plan to arrive early to enjoy all the lounge amenities—take advantage of the food, drinks, Wi-Fi, and comfortable seating before your next flight.

Use Lounges for Business Productivity

Many lounges have quiet workstations, high-speed internet, and power outlets. If you’re travelling for business, take advantage of these facilities to catch up on emails, prepare for meetings, or even conduct virtual meetings. This can be especially helpful if you’re on a tight schedule and need to stay productive between flights.

Make the Most of Complimentary Foods and Drinks

Lounges often offer free meals, snacks, and drinks, ranging from light bites to gourmet options, depending on the lounge. Instead of spending money on overpriced airport food, take the complimentary offerings. Some lounges also offer premium drinks.

Take Advantage of Shower Facilities

Many airport lounges, particularly those in international airports, offer shower facilities. If you have a long flight or need to refresh before a meeting, taking a shower in the lounge can help you feel revitalized without waiting in long lines for public restrooms.

Bring a Guest if Allowed

If your lounge access card permits it, bring a guest to enjoy the benefits with you. Some credit cards allow you to bring a guest for free, while others may charge a fee. If you’re travelling with a friend, family member, or business colleague, make sure to use this perk to make their travel experience more comfortable.

Stay Informed About Lounge Network Changes

Lounge networks, like Priority Pass or LoungeKey, regularly update their locations, hours, and policies. Stay informed about changes to ensure you don’t miss out on new lounges or amenities. Some lounges may also offer additional benefits, such as access to spa services or business centers.

Combine Lounge Access with Other Travel Perks

If your credit card offers additional benefits such as travel insurance, expedited security, or concierge services, use them with your lounge access. These perks can make your airport experience even smoother and more enjoyable.

Take Advantage of Free Lounge Visits if You're Flying Business or First Class

If you have access to lounges as part of your business or first-class ticket, use your time before the flight to fully relax. Don’t rush through the lounge—enjoy the amenities and take advantage of the extra time to unwind before your flight.

Alternative Ways to Access Airport Lounges Without a Credit Card

While credit cards are a popular way to access airport lounges, there are several other methods to gain entry without a premium credit card.

Purchase a Day Pass

Many lounges offer the option to purchase a day pass for one-time access, typically ranging from $30 to $75 per person, depending on the lounge and airport. This can be a good option for occasional travellers or those who don’t want to commit to a credit card with lounge access benefits. Day passes can be purchased online, through the lounge’s website, or at the entrance.

Join a Lounge Membership Program

Airport lounge access programs allow you to purchase annual memberships with access to a network of lounges worldwide. These memberships often come in different tiers, ranging from basic access to more premium options that include guest passes and additional benefits. Memberships are typically affordable, especially if you travel frequently, but they don't require a credit card.

Sign Up for Airline Loyalty Programs

Many airlines offer lounge access to members of their frequent flyer programs, particularly those with higher loyalty status. If you're a frequent traveller with an airline, you might earn lounge access as a perk of your membership level. For example, Air Canada’s Aeroplan program provides lounge access to frequent flyers and certain credit card holders, while Delta Sky Club access is available to Medallion members.

Buy a Lounge Membership Directly from an Airline

Some airlines offer lounge membership programs independent of credit cards or frequent flyer status. For example, American Airlines Admirals Club and United Club offer memberships for frequent travellers. These programs typically come with an annual fee but may be cheaper than premium credit cards with similar benefits.

Use Airline or Travel Status

In some cases, you can gain lounge access simply by booking a business-class or first-class ticket with a specific airline. Many airlines provide lounge access to passengers flying in premium cabins. Even if you don’t have lounge access through a credit card, your ticket may grant you access, especially on long-haul or international flights.

Purchase Lounge Access at the Airport

Some lounges allow passengers to pay for access at the door, even without a membership or credit card. While this option may be more expensive than purchasing a day pass in advance, it’s convenient if you need last-minute access to a lounge. Check with the airline or lounge provider at the airport for availability and pricing.

Use a Travel Benefits Platform

Platforms provide travellers access to lounges in various airports without a credit card. You can purchase access through their apps or websites, and the fees vary depending on the airport and lounge. These services are especially useful for international travellers or those who are unfamiliar with available lounges at their departure airports.

Why KOHO is a Great Alternative for Lounge Access

While there are several ways to access airport lounges without a credit card, KOHO offers an accessible and affordable alternative for those seeking lounge access. With its KOHO Prepaid Card, you can relax on your travels and enjoy benefits like free eSims, no foreign transaction fees, and travel insurance.

KOHO’s prepaid model makes it easy for anyone to manage their finances while enjoying valuable travel perks like lounge access. There’s no need to worry about high annual fees or credit score requirements, making it a great option for better spending control.

Whether you’re a frequent traveller or just looking to elevate your next airport experience, KOHO provides a practical and cost-effective solution to enhance your journey with lounge access and other valuable perks.