NEW YORK— Airport lounge access has become one of the most popular credit card perks for frequent flyers. Leading US travel credit cards from Capital One, American Express, and Chase now offer this benefit with unlimited access through Priority Pass.
Whether flying out of New York (JFK), Los Angeles (LAX), or Atlanta (ATL), these cards allow travelers to bypass crowded terminals and enjoy comfort, food, and Wi-Fi. Our guide ranks the best credit cards in the US with Priority Pass Select membership in 2025 for personal users.
Best Credit Cards for Lounge Access
Photo: Capital One1. Capital One Venture X Rewards Credit Card
Capital One’s Venture X Rewards Credit Card offers the best overall value for travelers seeking Priority Pass lounge access. The $395 annual fee is effectively offset by a $300 travel credit and 10,000 bonus miles every card anniversary, which significantly lowers the real cost of holding the card.
Cardholders receive unlimited Priority Pass Select visits and can bring two guests per visit without additional charges. They also receive access to Capital One Lounges and Capital One Landings, which expand the lounge network available to travelers beyond Priority Pass.
One of the card’s strongest features is its generous authorized user policy, OMAAT noted. Until February 1, 2026, cardholders can add up to four authorized users at no cost, and all of them receive Priority Pass lounge access. After that date, the issuer will introduce a $125 fee per user for lounge access.
The business version of the Venture X card also includes Priority Pass for the primary user. However, it does not extend lounge access to authorized users, which limits its shared travel value.
Photo: American Airlines2. Citi Strata Elite Credit Card
The Citi Strata Elite Card ranks just below Capital One’s offering due to a higher annual fee of $595, though it remains an excellent option. It includes unlimited Priority Pass Select visits, and cardholders can bring two guests along each time.
A standout feature is the relatively low $75 fee for adding authorized users. These users receive full lounge privileges, making the card one of the most cost-efficient choices for families or couples who travel together.
Citi also enhances its offering with additional lounge access benefits. Cardholders receive four one-day American Airlines Admirals Club passes each calendar year, offering flexibility at US airports where Priority Pass options may be limited.
Despite lacking restaurant access under the Priority Pass program, Citi Strata Elite’s overall package balances cost and travel value very effectively. For many, it provides an excellent middle ground between premium benefits and affordability.
Photo: Delta3. American Express Platinum Credit Card
The Platinum Credit Card from American Express offers a wide range of lounge privileges, positioning it third on this list. With an annual fee of $695, it grants unlimited Priority Pass Select membership once enrolled, along with entry to Amex Centurion Lounges and Delta Sky Clubs when flying Delta.
Each cardholder may bring up to two guests into a Priority Pass lounge at no additional cost. However, Amex does not include restaurant credits as part of its Priority Pass benefit, which may affect value at certain airports.
Cardholders can add authorized users for $195 each. These users receive the same lounge privileges, making it a worthwhile option for those who want shared access without managing multiple cards.
The Business Platinum Credit Card offers similar lounge benefits but becomes less attractive due to higher costs for additional users. For personal use, the Platinum Card remains a premium choice for travelers who use multiple lounge networks beyond just Priority Pass.
Photo: Chase4. Chase Sapphire Reserve Credit Card
Chase Sapphire Reserve once stood at the top of the travel card hierarchy, but in 2025, it ranks fourth due to rising fees and fewer perks for additional users. The card costs $795 annually but offers a $300 travel credit and unlimited Priority Pass Select visits with two complimentary guests per visit.
In addition to Priority Pass, the card unlocks Chase Sapphire Lounges globally. These lounges are exclusive to Chase cardholders, even though they are part of the Priority Pass network, and are not accessible with other cards.
Authorized users cost $195 each and receive full Priority Pass access. While this mirrors the Platinum Card in terms of structure, Chase lacks broader lounge partnerships like American Express, which slightly reduces its overall value for frequent flyers.
The business version of this card includes lounge access for the main cardholder only, with no guest or authorized user privileges. For families or shared users, the personal card remains more appealing, though not as competitive as it once was.
Marriott International; Photo- Marriott5. Marriott Bonvoy Brilliant American Express Card
The Marriott Bonvoy Brilliant Card offers Priority Pass Select access as part of its $650 annual fee. Cardholders receive unlimited lounge visits and may bring two guests each time, but the card does not offer lounge access to authorized users.
The absence of authorized user benefits significantly reduces the shared travel value of this card. Even though the cost to add users is technically $0, they do not receive access to Priority Pass lounges, making this a single-user benefit.
Despite this, the card includes Marriott Bonvoy Platinum Elite status and a $300 annual dining credit, which helps justify its fee. Cardholders also earn a free night award worth up to 85,000 points annually, adding solid value for hotel stays.
This card is best suited for solo travelers who frequent Marriott properties. Those looking to share lounge access should consider other options on this list.
American Express Centurion Lounge; Photo- American ExpressRanking Methodology for New Credit Cards
To determine the best credit cards in the US offering Priority Pass lounge access in 2025, we evaluated multiple factors relevant to frequent travelers. We assessed annual fees, the number of lounge visits and guest policies, and the value of additional travel perks that offset the cost of holding each card.
Cards that offered a full Priority Pass Select membership, with unlimited visits and guest access, ranked higher. We prioritized products that allowed free or low-cost authorized users who also received lounge access, since this increases value for families or couples.
The other consideration included secondary lounge benefits, such as access to other networks like Amex Centurion or Chase Sapphire Lounges. Cards with limited restaurant access, high user fees, or no authorized user privileges were ranked lower despite premium branding or high fees.
Lastly, legacy and closed cards were listed separately. While they offer exceptional value, they were not ranked since they are not currently available to new applicants. This approach ensures the list is useful for active card seekers in 2025.
Photo: Delta Air LinesExisting Credit Card Users’ Lounge Access Privileges
Two legacy credit cards no longer open to new applicants continue to offer exceptional Priority Pass benefits. The Ritz-Carlton Credit Card, issued by Chase, provides unlimited lounge access and allows free authorized user additions, who also receive full access.
This structure makes it uniquely appealing for families, and its $450 annual fee becomes easier to justify with a $300 annual travel credit and other premium perks. While new applications are closed, existing Chase Marriott Bonvoy cardholders can often upgrade to this product.
The Citi Prestige Card also includes Priority Pass lounge access and still allows usage at select Priority Pass restaurants. However, it is no longer available for new applicants or upgrades. Those who already hold the card can retain it, but others will need to look elsewhere.
Despite their limited availability, these two products remain among the most flexible and cost-efficient lounge access cards on the market for legacy users.
Photo: Capital OneFinal Thoughts
A wide range of credit cards in the US now offer Priority Pass Select membership as a bundled benefit, making airport lounge access more accessible than ever. While costs and benefits vary, several cards offer excellent value without requiring a separate lounge membership purchase.
For most travelers, the best card will depend on their flying frequency, whether they travel alone or with companions, and which lounge networks they value. Credit cards like the Venture X and Citi Strata Elite lead on affordability and shared access, while Amex and Chase appeal to solo premium flyers.
Regardless of preference, a well-chosen card can unlock lounge access worldwide and elevate the airport experience without significant cost. By understanding the trade-offs in guest policies, authorized user pricing, and partnerships, travelers can maximize value throughout 2025 and beyond.
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The post Top 5 Best Credit Cards for Airport Lounge Access in the World in 2025 appeared first on Aviation A2Z.
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