Affordable Credit Cards for Airport Lounge Access

Nothing beats the comfort of an airport lounge. With the right credit card, you can escape the hustle and bustle of the terminal, enjoying a peaceful environment to work, relax, and savor complimentary refreshments while you await your flight. Traditionally, such perks have been reserved for those who hold premium credit cards, like The Platinum Card® from American Express, which often come with hefty annual fees. However, if you prefer to keep your expenses in check, there are several options available that provide lounge access without breaking the bank.

Here’s a look at some of the most affordable credit cards that grant you access to airport lounges, allowing you to travel in style without the premium price tag.

Before diving into the card options, it’s worth considering whether a family member or friend already possesses a card that offers lounge access and is willing to add you as an authorized user. This can be a cost-effective way to enjoy the same benefits without the full annual fee. For example, if someone you know has the Chase Sapphire Reserve®, they can add you for just $195 per year, granting you access to Priority Pass and Chase Sapphire Lounges—significantly less than the primary cardholder’s $795 fee. Just keep in mind that as an authorized user, you won’t earn your own points or enjoy some of the card’s other benefits.

If you don’t have a loved one who can add you, don’t worry! There are still great options available for lounge access at a fraction of the cost of premium cards.

The U.S. Bank Altitude® Connect Visa Signature® Card is a fantastic choice with no annual fee. This card provides four Priority Pass visits each year, making it ideal for occasional travelers who may only visit lounges a few times annually. Additionally, cardholders earn 4 points per dollar spent on travel purchases and 2 points per dollar on dining, streaming services, and grocery purchases. Plus, you can receive a statement credit of up to $100 every four years for Global Entry or TSA PreCheck, making this card a solid option for those looking to save.

For those who frequently fly United Airlines, the United℠ Explorer Card and the United℠ Business Card are excellent alternatives to the premium United Club℠ Card. Both cards have an annual fee of $150 (with a $0 intro fee for the first year on the Explorer card) and offer two United Club passes each year, which can be used by the cardholder or an authorized user. In addition to lounge access, these cards provide benefits such as bonus miles on United purchases, a free checked bag, and expedited routes to earning elite status.

If you’re willing to invest a bit more, the Capital One Venture X Rewards Credit Card and its business counterpart are worth consideration. While the $395 annual fee may seem steep, it’s significantly lower than many premium cards. Moreover, these cards come with a $300 annual credit for Capital One Travel, effectively reducing your out-of-pocket cost to just $95. With unlimited access to Priority Pass and Capital One lounges, plus the ability to add authorized users at no extra cost (who also enjoy lounge access), this card offers substantial value. Cardholders earn bonus points on travel booked through Capital One Travel and 2 miles per dollar on all other purchases.

Another premium option, the Atmos™ Rewards Summit Visa Infinite® Credit Card, has a $395 annual fee but provides eight annual Alaska lounge passes (two per quarter) and various travel benefits such as priority boarding and a free checked bag with Alaska and Hawaiian Airlines. Cardholders also earn bonus points on airline purchases and international transactions, making it a versatile choice for frequent flyers.

For those looking for a credit union option, the PenFed Pathfinder® Rewards Card is a hidden gem. With a $95 annual fee (waived for PenFed Honors Advantage members), this card offers Priority Pass access for both the cardholder and one guest. However, note that there is a $35 lounge entry fee for each person per visit. Additionally, cardholders receive a $100 airline incidental credit, which can be used for lounge passes, and earn bonus rewards on travel purchases.

Airport lounge access can feel like a luxury, but it doesn’t have to come with a luxury price. With these credit cards, you can enjoy a more comfortable travel experience during layovers or delays without the burden of high annual fees. Just a word of caution: once you experience the benefits of lounge access, you may find yourself tempted to upgrade to a more premium travel rewards credit card in the future.

When considering which card to apply for, remember to evaluate how often you travel and which lounges you frequent. This will help you determine which card aligns best with your travel habits and lifestyle.

In summary, whether you’re a frequent flyer or an occasional traveler, there are affordable credit cards that offer valuable lounge access perks. Take the time to compare your options, and you might just find the perfect card to enhance your travel experience.