If you travel regularly, Priority Pass is one of the most underrated travel perks you can have. The program gives you access to more than 1,300 airport lounges worldwide, across every major carrier and alliance, regardless of what class of service you are flying or which airline you are on. A standalone Priority Pass Prestige membership costs around $469 per year. The good news is that a number of credit cards include it as a benefit.
That said, not all Priority Pass memberships are equal. The program has historically included access to airport restaurants, spas, and nap rooms in addition to lounges, but over the past few years, card issuers have been rolling back those non-lounge benefits. Most of the mainstream premium cards, including Amex, Chase, and Capital One products, have stripped restaurant access from their memberships. A handful of more niche cards still offer it.
Below is a breakdown of the major cards that include Priority Pass as a benefit, what each membership includes, and who each card makes the most sense for.
Compare credit cards with lounge access
The Business Platinum Card® from American Express
As High As 300,000 points
- Earn 2x on purchases of $5,000 or more in a single transaction on up to $2MM per calendar year
- Redeem Points For Over 1.5 Cents Each Towards Airfare
- Amex Centurion Lounge Access
- How much do you value the various credits?
- How much do you value the various hotel and rental car elite status?
- How much value will you get from Amex Fine Hotels + Resorts® and the International Airline Program?
- How much do you value the incredible lounge access perks offered by the card?
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That's up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
Capital One Venture X Business
Earn 150,000 bonus miles
- Earn 2x miles per dollar on every purchase
- No Foreign Transaction Fees
- 10,000 bonus miles every account anniversary
Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
Learn more from these OMAAT posts:
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Your card is designed to be paid in full. However, you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
- Top rated mobile app
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Chase Sapphire Reserve®
Earn 100,000 bonus points
- 4x points on flights and hotels booked direct
- 3x points on Dining
- $300 Annual Travel Credit
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get $3,000 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
- Member FDIC
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Citi Strata Elite℠ Card
Earn 75,000 bonus points after qualifying purchases
- Earn Bonus Points on Dining
- Up to $300 Annual Hotel Benefit
- No Foreign Transaction Fees
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
Earn 1.5 Points per $1 spent on All Other Purchases
Learn more from these OMAAT posts:
- Citi Strata Elite Card Review: Are The Premium Perks Worth The Fee?
- Is The New Citi Strata Elite Card Worth It? 10 Reasons To Apply
- The Citi Strata Elite Card’s Incredible First Year Value: Why It Stands Out
- Citi Strata Elite Card Application Experience: Instant Approval!
- Citi Strata Elite Card Welcome Bonus Summary
- Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
- Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
- Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
- Earn 1.5 Points per $1 spent on All Other Purchases
- Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
- No Foreign Transaction Fees
Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Bank of America® Premium Rewards® credit card
60,000 ONLINE BONUS POINTS OFFER
- Unlimited 2 points per $1 spent on travel and dining purchases
- Unlimited 1.5 points per $1 spent on purchases made everywhere else
- Up to $100 in Airline incidental and up to $100 in Airport Security Statement credits
Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire as long as your account remains open.
- Low $95 annual fee.
- Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
- Turn daily purchases into everyday wins. Simply use your Premium Rewards credit card for the things you already buy - from gifts to getaways - BofA Rewards™ members earn more points.
- Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at BofA Travel.
- Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
- Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
- No foreign transaction fees.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.
Bilt Palladium Card
50,000 Bilt Points + Gold Status offer
- 2X points on everyday purchases
- Earn up to 1.25X points on rent and mortgage payments
- $400 Bilt Travel Hotel credit
Earn up to 1.25X points on rent and mortgage payments with no transaction fee, and 2X points on everyday spend.
Learn more from these OMAAT posts:
- Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
- 2X points on everyday spend
- $400 Bilt Travel Hotel credit. Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings.
- $200 Bilt Cash (awarded annually). At the end of each calendar year, any Bilt Cash balance over $100 will expire.
- Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.
- Priority Pass ($469/year value). See Guide to Benefits.
- Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
- Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt's network of 50,000+ merchant partners.
Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash. Up to $100 of Bilt Cash earned rolls over to the next year.
Best personal cards with Priority Pass
American Express Platinum Card®
The Amex Platinum includes a Priority Pass™ membership upon enrollment, with unlimited visits for the primary cardholder and up to two complimentary guests per visit. Additional guests beyond two are charged at the Priority Pass standard rate per person per visit. The Amex membership no longer includes access to Priority Pass restaurants or non-lounge experiences.
Beyond Priority Pass, the Platinum card also includes access to Amex Centurion Lounges, Delta Sky Clubs (up to 10 visit-days per year when flying Delta), Escape Lounges, and certain Lufthansa Business and Senator Lounges. For lounge access specifically, the Centurion Lounge network is the real draw for most Platinum cardholders.
Best for: Amex Membership Rewards loyalists and frequent travelers who want the Centurion Lounge network. Priority Pass is an add-on, not the primary lounge benefit.
Link: Learn more about American Express Platinum Card®
Chase Sapphire Reserve®
The Chase Sapphire Reserve includes a Priority Pass Select membership with unlimited visits and up to two complimentary guests per visit. Chase removed restaurant access from its Priority Pass memberships in 2022, so the membership covers lounges only. The card also includes access to Chase Sapphire Lounges by The Club in select airports, including Phoenix and San Diego, with more locations planned.
Best for: Chase Ultimate Rewards loyalists who want solid lounge access at a wide variety of airports, including Chase’s own growing Sapphire Lounge network.
Link: Learn more about the Chase Sapphire Reserve® Card
Capital One Venture Rewards Credit Card
The Venture X includes Priority Pass with unlimited visits for the primary cardholder, but the guest policy changed significantly in February 2026. Complimentary guest access is now spend-based: cardholders must spend at least $75,000 on the card in a calendar year to bring complimentary guests. Below that threshold, guests pay the standard Priority Pass per-visit fee. Authorized users who want their own lounge access now pay a $125 annual fee. The Venture X also includes access to Capital One’s own lounge network.
Best for: High-volume spenders who can hit the $75,000 threshold, or solo travelers who never need guest access.
Link: Learn more about the Capital One Venture X Rewards Credit Card
Citi Strata Elite℠ Card
The Citi Strata Elite includes a Priority Pass Select membership with unlimited visits for the primary cardholder and up to two complimentary guests. Like most mainstream premium cards, it does not include Priority Pass restaurant access. In addition to Priority Pass, the card provides four Admirals Club one-time passes per calendar year, which are useful for American Airlines flyers who do not otherwise have Admirals Club access.
Best for: Citi ThankYou points earners who want lounge access as part of a broader premium travel benefits package.
Link: Learn more about the Citi Strata Elite℠ Card
Marriott Bonvoy Brilliant® American Express® Card
The Bonvoy Brilliant includes a Priority Pass™ membership with unlimited visits and up to two complimentary guests. Restaurant access is not included. The primary reason to hold this card is the annual 85,000-point free night certificate and automatic Platinum Elite status with Marriott, not the Priority Pass benefit specifically. (Enrollment required)
Best for: Marriott loyalists who want Platinum Elite status and a high-value annual free night. The Priority Pass benefit is a bonus rather than a reason to apply.
Link: Learn more about the Marriott Bonvoy Brilliant® American Express® Card
Bilt Palladium Card
The Bilt Palladium includes a Priority Pass Select membership with unlimited visits and up to two complimentary guests per visit. Authorized users also receive their own Priority Pass membership. The card does not include Priority Pass restaurant access. The Priority Pass benefit is one of several perks alongside up to $400 in annual Bilt hotel credits and the card’s core earning structure of 2x Bilt points on all purchases.
Best for: Bilt Rewards users who pay rent or a mortgage and can fully leverage the card’s Bilt Cash (Up to $100 of Bilt Cash earned rolls over to the next year) mechanics. Priority Pass is a useful add-on rather than a primary reason to apply.
Link: Apply for a Bilt credit card (Rates & Fees)
Bank of America Premium Rewards Elite
The BofA Premium Rewards Elite is one of the most generous Priority Pass offerings available on any consumer card right now. The card includes a Priority Pass membership with unlimited visits, unlimited complimentary guests, and access to Priority Pass restaurants, which most mainstream premium cards have eliminated. Even better, the card comes with up to four total Priority Pass memberships that can be activated for anyone, meaning you can effectively gift full Priority Pass access to three other people under a single annual fee.
As other issuers have tightened their Priority Pass policies, the Premium Rewards Elite card has quietly become the standout option for anyone who travels with family or wants to share lounge access.
Best for: Anyone who travels with guests, wants to share Priority Pass access with family, or cares about Priority Pass restaurant benefits. The combination of unlimited guests, restaurant access, and up to four total memberships is unmatched at any annual fee.
Best business cards with Priority Pass
The Business Platinum Card® from American Express
The Amex Business Platinum includes unlimited visits with a Priority Pass™ membership, up to two complimentary guests, and access to the Amex Global Lounge Collection including Centurion Lounges and Delta Sky Clubs. Restaurant access is not included. For business travelers who frequently pass through airports with Centurion Lounges, this card’s lounge access is among the most comprehensive available. (Enrollment required)
Best for: Business owners who want Centurion Lounge access and a robust suite of travel and business benefits. Priority Pass is part of a larger lounge package.
Link: Learn more about The Business Platinum Card® from American Express
Capital One Venture X Business
The Venture X Business offers unlimited Priority Pass visits for the primary cardholder, with the same spend-based guest policy change that took effect in February 2026. Cardholders must hit $75,000 in spending to unlock complimentary guest access. Additional cardholders wanting lounge access pay $125 per year. The card also provides access to Capital One Lounges, 2x miles on all purchases, $300 in annual travel credits, and 10,000 anniversary bonus miles.
Best for: Business owners who want flat-rate miles earning, Capital One Lounge access, and Priority Pass at a $395 annual fee. Best for solo travelers or high-volume spenders.
Link: Learn more about the Capital One Venture X Business with 150K bonus miles
Sapphire Reserve for Business℠
The Sapphire Reserve for Business is Chase’s newest addition to the Sapphire lineup. It includes Priority Pass lounge access for primary cardholders, excluding employee cards. The card also provides access to Chase Sapphire Lounges. Like all Chase-issued Priority Pass memberships, restaurant access is not included. The card comes with a significant collection of travel credits and is positioned as a premium option for business travelers who want the full Chase travel ecosystem.
Best for: Business owners deeply embedded in the Chase ecosystem who want the Sapphire Reserve experience on a business card.
Link: Learn more about the Sapphire Reserve for Business℠
Which cards still include Priority Pass restaurant access
Over the past several years, most major card issuers have eliminated Priority Pass restaurant and non-lounge access from their memberships. Here is where things stand as of early 2026:
- Bank of America Premium Rewards Elite: Unlimited restaurant access, unlimited guests. One of the best Priority Pass restaurant setups available anywhere.
- UBS Visa Infinite (personal and business): Unlimited restaurant access, unlimited guests. Requires a UBS banking relationship.
- U.S. Bank Altitude Reserve (closed to new applicants): 8 total visits per year, usable at lounges or restaurants.
- U.S. Bank Altitude Connect (personal and business): 4 total visits per year, usable at lounges or restaurants. Widely available at a $95 annual fee.
What to know about Priority Pass
Priority Pass is not the same as proprietary lounge access
Several of the cards above have their own lounge networks that operate separately from Priority Pass. The Amex Platinum and Business Platinum provide access to Centurion Lounges, which are generally considered superior to most Priority Pass lounges in terms of food, design, and amenities. The Chase Sapphire Reserve provides access to Chase Sapphire Lounges. For cardholders whose home airport has a proprietary lounge, that benefit may matter more than the Priority Pass membership itself.
Enrollment is required
Every card on this list requires you to actively enroll in the Priority Pass benefit before you can use it. Holding the card does not automatically activate the membership. You will typically receive a Priority Pass card in the mail after enrolling, or you can add it to the Priority Pass app digitally. Some cardholders forget to enroll and are turned away at the lounge, so do this before your first trip.
The Priority Pass app makes things easier
Priority Pass has a mobile app that allows you to locate nearby lounges, check wait times, and use your digital membership card for entry. If your card includes multiple Priority Pass memberships, each person should download the app and add their own card rather than relying on the primary cardholder’s phone at the door.
Bottom line
Priority Pass is a genuinely useful perk, and getting it through a credit card is almost always better than buying a standalone membership. That said, the landscape has shifted significantly over the past few years. Restaurant access has been stripped from most mainstream premium cards, guest policies have gotten stricter, and the standout options have changed.
For most people, the Chase Sapphire Reserve, Amex Platinum, and Capital One Venture X all deliver solid Priority Pass access at various price points, with unlimited visits and two free guests covering the majority of travel situations. For anyone who specifically wants Priority Pass restaurant access or needs to bring more than two guests, the Bank of America Premium Rewards Elite has quietly moved to the top of the list with unlimited guests, restaurant access, and up to four transferable memberships per account.
As always with premium travel cards, the right choice depends on which benefits you will actually use. If Priority Pass is your primary reason for getting a card, the BofA Premium Rewards Elite is the most generous option available right now. If it is just one benefit among several, any of the major premium cards will serve you well.
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