Have you ever found yourself stuck in a chaotic airport, looking for an escape? Imagine your credit card being your golden ticket to an oasis—or at least to free food and drinks. Plenty of options range from airline-specific cards (i.e., Chase United Club) to bank-specific ones (i.e., Centurion Lounge via The Platinum Card® from American Express).

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
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What is Priority Pass?

If you want to avoid committing to an airline or a bank network, one of the most popular options is Priority Pass, a network of over 1,500 lounges.

Some lounges included in the Priority Pass program are operated by specific airlines, such as Air France-KLM, British Airways, or Turkish Airlines, while others are independent and not linked to any airline. I recommend double-checking the Priority Pass website before heading to the airport!
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Which Credit Cards are Best for Priority Pass Access?

There are plenty of cards that offer Priority Pass lounge access, but many will limit you based on the number of visits or guests.

These are our top 5, given that they allow for unlimited visits:

• ‍Capital One Venture X Rewards Credit Card‍
• Capital One Venture X Business‍
• Chase Sapphire Reserve®‍
• The Platinum Card® from American Express‍
• Marriott Bonvoy Brilliant® American Express® Card
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Capital One Venture X Rewards Credit Card

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First on the list is one of the best cards available right now: the Capital One Venture X. It comes with a $395 annual fee, but it's the only card on this list that I would consider overpowered or S-Tier due to its superpowers.

The Venture X offers a $300 travel credit and 10,000-anniversary miles worth at least $100 in travel, totaling $400 in value. This essentially gives you a -$5 effective annual fee, making it a positive value for most people.

Capital One has its own lounges, and while they are expanding slowly, they offer some of the best lounge coffee and cocktails I've experienced. The Venture X also provides free access to Plaza Premium Lounges for you and two guests per visit.

It also comes with a Priority Pass membership that allows unlimited guests, making it one of the best memberships available. You can also add up to four authorized users for no additional charge, and they receive their own Priority Pass cards, with the same unlimited guesting privileges.

If you're debating the Venture X, we have a calculator here.
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Capital One Venture X Business

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Pretty much the same as the personal version, but this is a business card.

It's well worth considering if you're a business owner.
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Chase Sapphire Reserve®

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The Chase Sapphire Reserve® is a long-standing favorite with a $550 annual fee and a $300 travel credit, resulting in a $250 effective annual fee. This card offers Priority Pass access for you and two guests, along with access to Chase Sapphire Lounges. If you have Priority Pass through other cards, you only get one visit to Chase Sapphire Lounges each calendar year.
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The Platinum Card® from American Express

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With a $695 annual fee, you get up to $1,400 in credits to help offset the cost:

• Up to $200 Uber Credit. Enrollment required.
• Up to $200 Hotel Credit (FHR / Hotel Collection). Enrollment required.
• Up to $200 Airline Fee Credit. Enrollment required.
• Up to $100 Saks Credit ($50 Q1/Q2 + $50 Q3/Q4). Enrollment required.
• Up to $240 Digital Entertainment Credit. Enrollment required.

This totals $960, making it a strong contender for value. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. See Rates and fees.

In terms of Priority Pass, it's you + 2 guests.

The benefit here, though, is that you have a lot of options beyond this if you are a frequent traveler. This includes American Express Centurion Lounges, Delta Sky Clubs when flying Delta, Plaza Premium, Lufthansa, Escape, and a host of other options. However, you must meet the respective lounge's requirements to bring a guest.

If you're debating this card, we have a calculator here.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. See Rates and fees.
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Marriott Bonvoy Brilliant® American Express® Card

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The Marriott Bonvoy Brilliant® American Express® Card is another interesting pick. It's a hotel keeper card but also offers Priority Pass. With a $650 annual fee, you get:

• Up to $300 Dining Credit ($25 per month). Terms apply.
• Marriott Bonvoy Platinum Elite Status. Enrollment Required.
• 1 Free Night Award up to 85k Bonvoy points (every cardmember anniversary). Terms apply.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. See Rates and fees.

If you're a city traveler, you'll break even with the credits and the Free Night Award. For aspirational travelers, you might come out ahead, making it a keeper card.

This card comes with Priority Pass that works for airport lounges and allows entry for you and two additional guests.
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Conclusion

For most people, the best bet in terms of access and value is the Capital One Venture X (and the same goes for the business variation). However, there is also an argument for the Chase Sapphire Reserve® if you're in their ecosystem.

If you want a stronger lounge footprint beyond Priority Pass, The Platinum Card® from American Express is great for frequent travelers.

If you're looking for hotel cards, the Marriott Bonvoy Brilliant® American Express® Card is a great option that comes with Priority Pass as an added bonus.Have you ever found yourself stuck in a chaotic airport, looking for an escape? Imagine your credit card being your golden ticket to an oasis—or at least to free food and drinks. Plenty of options range from airline-specific cards (i.e., Chase United Club) to bank-specific ones (i.e., Centurion Lounge via The Platinum Card® from American Express).