Best Credit Cards for Airport Lounge Access

Estimated read time: 9 minutes

How do you like to spend your time waiting at the airport for your flight? If you said, "I like to sit in those uncomfortable chairs by the gate and fight for an outlet to charge my phone," then we'll bid you good day. However, if you'd like to sit in a comfy chair, enjoying complimentary snacks, beverages and streaming a movie or TV show on free WiFi, this article is one you won't want to miss!

There are lots of travel card options out there, but we narrowed the field down to four great picks for airline perks using a methodology outlined below.

The biggest decision you'll have to make with these cards is whether the exorbitant annual fee is worth it. Spoiler alert: It can be. Those fees pay for themselves when you make the most of lounge access.

When it comes to the following cards, annual fees are worth every penny. That's because, with each credit card on our list, you will be able to recoup the annual fee—and then some. Free snacks, nonalcoholic beverages, MUCH comfier chairs … Need we say more? Here are some of the things we considered when choosing these cards:

Lots of lounge choices. Having airport lounge perks mean nothing if you don't actually use those airports and airline terminals where the lounges are located. We went with cards that offer a wide variety of options, so you're bound to find a lounge wherever you jet.

Carte blanche access. We skipped the lower fee credit cards that offer discounted access or a couple of lounge passes per year and went straight for the gold (or platinum, in one instance) credit cards that offer total, no strings attached free lounge entry.

Lux layovers. If luxury is the name of your travel game, then you'll want access to the best of the best lounges around the world&mdas;and we found 'em.

Here are the four cards we think are great picks for airport lounge perks:

Platinum Card from American Express

If a credit card were able to drop a mic, it would be the Platinum Card from American Express. This card has often topped all those best credit card lists with good reason: It is simply one of the very best for travel perks, including free access to some of the most amazing airport lounges in the world. Just how many lounges are we talking about? More than 1,000 of them in over 120 countries, as a matter of fact! Besides the International American Express lounges and renowned Centurion Lounges—found in seven U.S. cities and in Hong Kong—your card gets you into Delta Sky Club and Priority Pass Select lounges. Indeed, traveling with this card is truly a "platinum" experience—and that's even before we get to its stellar signup bonus (more on that later).

You'll love this card if you love to travel in style.

Enjoy a higher status with Hilton and Starwood. Platinum card members are automatically upgraded to Gold status in both the Hilton Honors Starwood Preferred Guest program. That means you can earn reward stays and upgrades faster.

Get perks in the air. You'll get a substantial airline fee credit each calendar year to be used for any incidental airline fees charged to your Amex like in-flight meals and checked baggage.

Speed through security. You'll get expedited screening at participating airports, plus a credit for any Global Entry or TSA Precheck fees.

Rent a car, and hit the road. You'll get special discounts and upgrades for rental cars with this card. Your rental will also be covered in case of theft or damage (restrictions apply).

Skip the foreign transaction fees. We told you this card would make a great travel companion! Go abroad and shop all you'd like, fee—free!

Get free rides with Uber. You'll get credit for Uber rides in the U.S. each month. That's money just for using your Uber app!

Luxurious upgrades on vacation. Enjoy little extras like daily breakfast, room upgrades (restrictions apply) and complimentary WiFi, which all add up to around $550 in extra perks.

The Membership Rewards program makes Amex consumers feel like VIPs.

In addition to the above mentioned perks, there's a sweet signup bonus. When you spend $5000 with your Platinum Card from American Express in the first 3 months, you'll get 60000 points. If you apply for this card, make sure you can swing that spend for the signup bonus. The Platinum Card from Amex really wants you to go on vacation and explore the world more often. And it's all too glad to help with its Membership Rewards program.

Earn 5x the points on travel. When you book your travel through American Express, you'll earn 5 times the points.

Get points for everyday spending. The Amex card gets you some points per every dollar spent. You'll earn quickly when you spend more at certain retailers; for example, one current promotion includes double points for every dollar spent at Macy's.

Chase Sapphire Reserve Card

The Chase Sapphire Reserve is another darling of our top credit card lists. If you like being able to carry a balance (perhaps you overindulged a bit on vacation?) then this card is a great alternative to the Amex Platinum charge card. You'll also get travel perks like Priority Pass Select membership, which welcomes you into over 1,000 airport lounges throughout the world.

See more of the world with your Chase Sapphire Reserve card thanks to hassle free bookings

A very enjoyable annual travel credit. In addition to travel points accrued, you'll get up to hundreds of dollars in statement credit each year for travel-related purchases.

Points that are transfer happy. Chase's Ultimate Rewards points are transferred point for point with many other frequent traveler programs.

Spend less time in security. Get to the lounge faster with your Global Entry or TSA Precheck pass—the Chase Sapphire Reserve grants you a credit toward it.

Rev your engine. Enjoy rental perks at National Car Rental, Avis, and Silvercar.

Check in to luxury. Enjoy benefits and upgrades at participating hotels within the Luxury Hotel & Resort Collection.

No foreign transaction fees. Save more money—or spend it. Your choice!

Earn and redeem points easily, without the hassle of rotating categories to remember.

Lots of points—50000 of them to be exact—when you spend $4000 on your card in the first 3 months of opening it. That sweet signup bonus adds up to offset the annual fee for at least the first year. Chase likes making things easy for its cardholders.

Triple your points. Earn 3 points for every dollar spent on restaurants and travel, including airfare, hotels, trains, and ground transportation.

Keep earning every day. For all other purchase, you'll still get points, but at a lower rate.

Double your pleasure. When you redeem your points through Chase Ultimate Rewards, you'll get a bump in their value.

United Mileage Plus Club Card

Don't have enough in the bank for your own jet? With a great signup bonus, no blackout dates, and priority boarding, the United Mileage Plus Club Card will serve as a very nice consolation prize. You'll also get a credit when you sign up for Global Entry or TSA Precheck. Of course, you might not want to speed through your airport experience after all. This aptly named credit card gives you access to many airport lounges around the world, including the wonderfully inviting and comfortable United Club lounges. Comfy chairs + free snacks and beverages = game changer.

You'll travel like a VIP thanks to this card's Premier Access perks, which will help you glide through the airport with priority check in, faster screening, and expedited boarding and baggage handling.

Travel when you want. There are no blackout dates, and thanks to economy Saver Awards, you can use fewer points to fly. Trips in the continental US and Canada start at 12,500 miles each way, so it is possible to fly round trip twice for free just using your signup bonus alone. You can also book with partner airlines, like those in the Star Alliance.

Enjoy travel protection. Should you have to cancel or interrupt your trip, you're covered when you book the travel on your card. And 24/7 emergency service is also available (here's to hoping you don't need it!)

Shop fee free while abroad. There are no foreign transaction fees.

Don't sweat the baggage carousel. Cardholders will get reimbursed for anything damaged or missing in transit.

Outside of flying with United, what are the other perks of this card?

You'll get a boon of points for early spending if you meet the minimum spend after opening the account. If you spend $1,000 per month with your credit cards, this is an easy thing to do. Coupled with all the perks, we'll take bets on how quickly you'll offset the card's annual fee. While this card is unbelievable for United fans, check out the other travel perks available to cardholders.

Upgrade with points. You can also use points to for other travel upgrades, ranging from free WiFi onboard to car rentals to hotel stays.

Enjoy luxe hotels. As a cardmember, you'll be automatically be upgraded to Discoverist membership in the World of Hyatt program. You'll also get room upgrades and other perks at nearly 1,000 hotels worldwide as part of the Luxury Hotel & Resort Collection.

Get in the driver's seat. You'll be a part of the President's Circle at Hertz, which means you'll get a 25% point bonus when you rent a car.

Citi AAdvantage Executive World Elite Mastercard

Like flying American Airlines? Then you'll love the Citi AAdvantage Executive World Elite Mastercard. Yes, it's a mouthful to say. But we'll break down why you should make the Citi AAdvantage card your trusty travel companion for you and your trusty travel companions. First up, you get an Admirals Club membership. Up to two fellow travelers or family members can join you in the Admirals Club. And you can add up to 10 authorized users to your card for free—and they all get free access to the Admirals Club.

Get access to about 50 lounges plus 60 partner lounges throughout the world

The perks continue:

Board like a VIP. You'll enjoy priority check in and boarding with this card—and the more, the merrier! You can have up to eight travel companions (must be on the same reservation) join you in the fast lane.

Skip the line. Apply for Global Entry or TSA Pre✓ and get a statement credit (up to $100).

Double your points. When you use your card for eligible AA purchases, you'll get two points for every dollar.

Earn on everyday spending. You'll get one point per every other dollar spent, so you'll be saving for vacation when you purchase gas, groceries, and more.

Qualify for AAdvantage Elite. You'll really hit the big leagues when you get 10,000 Elite Qualifying Miles (EQMS) when you spend $40,000 on your card each year.

What's so elite about those miles? When you qualify as an elite status member, you'll be able to check bags for free, upgrade your flights, and accumulate more miles when you fly with American.

Shop more abroad. You can, thanks to no foreign transaction fees.

Use Citi to your AAdvantage when you qualify for a whopping signup bonus!

Like the other cards on this list, you'll do a double take when you see how many points you get for a signup bonus. However, you'll have to spend a bit early on to access them. Nail this bonus, then grab a friend and start planning, because you can book two round trip flights during off season with those points. You'll also get a another bonus when you redeem your AAdvantage miles—up to 10,000 per year. Will this card benefit you even when you don't fly American Airlines? In a word, yes.

Board more, save more. You'll save on eligible purchases like inflight meals.

Pack without the stress. Citi reimburses you the purchase price of any items damaged or lost in transit.

Book without worry. You're covered should you have to cancel your trip or leave early.

Stay protected on the road. Citi hopes you never have an accident, but it's there for you if you do, with worldwide travel accident insurance.

Pick the card that's an easy travel companion

Ready to bust out your suitcase for your next adventure? These airport lounge perks certainly make your wait time at the airport seem like a vacation to themselves. When deciding on which travel credit card is right for you, be sure you take your travel preferences into consideration. Otherwise, this will be just another credit card in your wallet, and those spiced mixed nuts will just have to be eaten by some other seasoned traveler.