The best credit cards with free Priority Pass airport lounge access of 2022

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Now that travel is making a comeback, the crowds have returned — and navigating a busy, loud airport can be stressful at the best of times. Fortunately, there are travel credit cards that can make your airport experience more civilized, including cards that offer statement credits for TSA PreCheck and Global Entry to speed through security and customs lines and credit cards with priority boarding to help get you settled on the plane sooner.

There's another credit card perk that can offer an escape from the hustle and bustle of the airport terminal. Priority Pass is a network of over 1,400 airport lounges around the world, and you can get a free membership to access these lounges when you have certain credit cards. Some cards also offer up to $30 per person in free food and drinks at select airport restaurants that participate in the Priority Pass program.

Read more: Your credit card could get you a free drink and a comfortable place to relax at the airport

Many of these are premium cards with high annual fees that come with other lucrative travel perks — but there are a few that won't cost you an arm and a leg. And getting Priority Pass access through a credit card is a better deal than purchasing a Priority Pass membership directly — the program normally charges up to $429 per year for the privilege.

Here's a breakdown of the Priority Pass program and how you can get access through select credit cards.

What is Priority Pass?

Priority Pass is a network of more than 1,300 airport lounges, restaurants, and cafés worldwide. Many of these are independent lounges that aren't affiliated with a particular airline, but sometimes you'll find branded lounges — like the Air France/KLM lounge or Star Alliance lounge — at certain airports.

Read more: Orlando Airport has two of the same lounges. I used my credit card perk to access both and found one was way better.

Many larger US airports have Priority Pass lounges and restaurants, but there are even more overseas, so having a Priority Pass membership is especially useful if you travel internationally.

You can find Priority Pass lounges and restaurants by searching for your airport on the Priority Pass website or through the Priority Pass app. Here you'll be able to check lounge hours, amenities, guest policies, and any restrictions to be aware of.

Priority Pass lounges

Typically, airport lounges in the Priority Pass network are off-limits to the general public unless you have access through a membership, airline ticket, elite status, or via a paid day pass. They offer a quieter, more comfortable place to relax before a flight, usually offering light food and drinks, free Wi-Fi, and sometimes showers or other amenities depending on the location.

Read more: I pay $550 a year for my Chase Sapphire Reserve card, and it gives me a perk so valuable I won't travel without it

International lounges are often nicer with better amenities and food than you'll find in US airports, too. Keep in mind that Priority Pass can deny access to its lounges if they are overcrowded — if it's busy, you may have to wait to get in.  

Priority Pass restaurants, cafés, spas, and more

In addition to airport lounges, the Priority Pass network includes restaurants and cafés at airports like Houston (IAH) and San Francisco (SFO). Priority Pass members can get anywhere from $28 to $30 of free food and drinks at participating restaurants.

Read more: I used a credit card perk to get free airport meals in the UK for myself and a friend and it's still my favorite travel hack

The credit is usually enough for an entrée or snack and adult beverage — and this can be a great way to save money if you'd otherwise buy a pricey meal at the airport. Some airports have multiple participating restaurants, and there's no reason you can't use the credit at each one, even on the same trip.

Some airports also have other non-lounge experiences (like spas or rest suites) that are included in the Priority Pass network. In these cases, check the Priority Pass website or app to find out what's included in your complimentary visit.

Keep in mind American Express cardholders no longer get access to Priority Pass airport restaurants or most other non-lounge locations (like Be Relax airport spas). 

Priority Pass membership options

If you want to buy a Priority Pass membership, there are three options:

  • Standard membership: $99 per year and enables you to buy lounge passes for $32 per visit
  • Standard Plus: $299 per year and gets you 10 free visits
  • Prestige membership: $429 per year and includes unlimited free visits to Priority Pass lounges

All of these membership tiers allow you to purchase guest passes for $32 per person.

Read more: How to get a free Priority Pass membership

The Priority Pass membership you get from a credit card is called Priority Pass Select, which you can't purchase directly. It's much better than the publicly available memberships in that most credit cards offer some form of free guest access.

Which credit cards offer Priority Pass membership?

Chase Sapphire Reserve®

Regular APR

17.74% - 24.74% Variable

Recommended Credit Score

Good to Excellent

Regular APR

17.74% - 24.74% Variable

Recommended Credit Score

Good to Excellent

More Information

  • New Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

If you want access to the full range of Priority Pass lounges and restaurants, the Chase Sapphire Reserve® is a great option. Not only does the Chase Sapphire Reserve® offer lots of great travel perks, but the Priority Pass Select membership doesn't exclude access to restaurants and cafes like membership through American Express cards do.

Read more: 11 benefits that make Chase Sapphire Reserve a must-have for frequent travelers

The card currently offers a welcome bonus of 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. The annual fee is $550, but cardholders receive up to $300 in travel credits each year and top-notch travel and purchase protections. 

For just $75 annually, you can add an authorized user to your Chase Sapphire Reserve®, and this qualifies for the same membership perks. That includes bringing up to two guests into the lounge per visit. Any guests beyond this number can enter at a discounted rate of $27 per person. 

Capital One Venture X Rewards Credit Card

Regular APR

17.24% - 24.24% (Variable)

Recommended Credit Score

Excellent

Regular APR

17.24% - 24.24% (Variable)

Recommended Credit Score

Excellent

Pros

  • Excellent welcome bonus and miles earning
  • Premium perks including airport lounge access and statement credits
  • Visa Infinite benefits including travel and shopping protections

Cons

  • High annual fee
  • Annual travel statement credits only apply to Capital One Travel purchases
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More Information

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more-you can even transfer your miles to your choice of 15+ travel loyalty programs

The Capital One Venture X Rewards Credit Card is Capital One's first-ever premium credit card, and it's a great value if you want a Priority Pass Select membership with unlimited visits, restaurant access, and two free guests (additional guests cost $32).

Its annual fee of Capital One Venture X Rewards Credit Card is lower than similar travel rewards cards, and you'll also get access to Capital One airport lounges, the first of which recently opened at Dallas-Fort Worth (DFW), with a second opening next year in Denver (DEN).

Read more: Capital One Venture X vs Chase Sapphire Reserve: Which premium rewards credit card is best for you?

The Capital One Venture X Rewards Credit Card is also an affordable choice if you want your authorized users to receive Priority Pass access as well. You can add up to four authorized users for free, and each gets their own Priority Pass Select membership and Capital One airport lounge access.

The Capital One Venture X Rewards Credit Card offers a welcome bonus of 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening. In addition, , and up to $300 in credit toward Capital One travel portal purchases each year.

The Platinum Card® from American Express

Regular APR

See Pay Over Time APR

Recommended Credit Score

Good to Excellent

Regular APR

See Pay Over Time APR

Recommended Credit Score

Good to Excellent

Pros

  • Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
  • Annual statement credits with Saks and Uber

Cons

  • Bonus categories leave something to be desired
  • One of the highest annual fees among premium travel cards
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More Information

  • Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. And if you fly, you can receive up to $200 in statement credits per calendar year after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at select airports and stadiums.
  • $695 annual fee.
  • Terms Apply.
  • See Rates & Fees

The Platinum Card® from American Express offers one of the most comprehensive airport lounge programs of any premium credit card, which includes access to the Priority Pass network as well as Centurion lounges, Delta Sky Clubs (when you fly Delta), and several other lounge brands.

Read more: The best airport lounges you can access with the Amex Platinum card

Primary cardholders and authorized users get Priority Pass Select membership** with complimentary admission for up to two guests per visit (additional guests cost $32). You won't get access to Priority Pass airport restaurants because this is an American Express card, so if that's important to you, another different card may be a better fit.

The Platinum Card currently offers a welcome bonus of 100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership. It also recently added a slew of new benefits to help offset its $695 annual fee (See Rates).

The Business Platinum Card® from American Express

Regular APR

15.74% - 23.74% Variable

Recommended Credit Score

Good to Excellent

Regular APR

15.74% - 23.74% Variable

Recommended Credit Score

Good to Excellent

Pros

  • More travel benefits than you'll find on any other business credit card
  • Generous airport lounge access options, from American Express Centurion Lounges to Priority Pass (enrollment required)
  • Complimentary hotel elite status (enrollment required)
  • Access to Amex concierge services

Cons

  • Very high annual fee
  • Limited opportunities to earn bonus points
  • Annual statement credits won't be useful for everyone
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More Information

  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 15.74% to 23.74% based on your credit worthiness and other factors as determined at the time of account opening.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
  • $695 Annual Fee.
  • Terms Apply.
  • See Rates & Fees

Small-business owners who travel frequently might prefer The Business Platinum Card® from American Express, which comes with the same Priority Pass and other lounge access as the personal version of the card. Authorized users cost $300 each (See Rates) and receive their own Priority Pass membership with guest privileges.

Read more: The Amex Business Platinum card just got a makeover with a whopper 120,000-point bonus and new benefits — but the annual fee is increasing, too

It's a very good time to apply for the Amex Business Platinum, because its annual fee of $695 (See Rates) will go up to $695 starting January 13, 2022.

The Amex Business Platinum Card is offering a welcome bonus of 120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first 3 months of card membership. It also comes with valuable statement credits for airline incidental fees**, wireless providers, Dell purchases**, and more.

Marriott Bonvoy Brilliant™ American Express® Card

Regular APR

17.24% - 26.24% Variable APR

Recommended Credit Score

Good to Excellent

Regular APR

17.24% - 26.24% Variable APR

Recommended Credit Score

Good to Excellent

More Information

  • Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $3,000 in purchases on the Card within the first 3 months.
  • Each Card renewal year, get up to $300 in statement credits for purchases on the Card at hotels participating in Marriott Bonvoy™. Effective 9/22/22, the $300 Marriott Bonvoy statement credit benefit will no longer be available. It will be replaced with a NEW benefit of up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
  • No Foreign Transaction Fees.
  • $450 Annual Fee.
  • Terms Apply.
  • See Rates & Fees

The Marriott Bonvoy Brilliant™ American Express® Card is Marriott's premium credit card, and along with upscale hotel perks and statement credits, it also offers a Priority Pass Select membership for the primary cardholder.

Again, because it's an Amex card, there's no access to Priority Pass airport restaurants, and in this case, authorized users don't get their own membership.

The Marriott Bonvoy Brilliant™ American Express® Card currently offers a hefty welcome bonus: 75,000 Marriott Bonvoy bonus points after using your new card to make $3,000 in purchases within the first 3 months of account opening.

There's a $450 annual fee (See Rates), but in return, cardholders get up to $300 in annual Marriott statement credits (offer ends 9/22/22 and will be replaced with a benefit of up to $25 in statement credits per month for eligible purchases at restaurants worldwide), Gold elite status, and a free night each year after your card renewal month at hotels that cost up to 50,000 points.

Hilton Honors American Express Aspire Card

Regular APR

15.74% to 24.74% variable APR on purchases

Recommended Credit Score

Good to Excellent

Regular APR

15.74% to 24.74% variable APR on purchases

Recommended Credit Score

Good to Excellent

More Information

  • The information related to the Hilton Honors American Express Aspire Card has been collected by Business Insider and has not been reviewed or provided by the issuer.
  • Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the card within your first 3 months of card membership
  • 14X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio
  • 7X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card on flights booked directly with airlines or amextravel.com, and on car rentals booked directly from select car rental companies
  • 7X Hilton Honors Bonus Points for each dollar of eligible purchases on your card at U.S. restaurants
  • 3X Hilton Honors Bonus Points for all other eligible purchases on your card

The Hilton Honors American Express Aspire Card is one of the best hotel credit cards because of the generous benefits it offers. Along with complimentary top-tier Hilton Diamond elite status, cardholders receive up to $250 in Hilton resort credits each anniversary year, up to $250 in airline incidental fee credits** each calendar year, and an annual free weekend night valid at nearly any Hilton hotel.

Read more: 5 luxury resorts where you can get great value from the Amex Hilton Aspire free night certificate — plus use up to $250 in credits

Cardholders receive a Priority Pass Select membership and guest privileges (up to two per visit), but again, because it's an Amex card, restaurants are excluded. Authorized users do not get their own Priority Pass membership, either.

The Hilton Honors American Express Aspire Card is currently offering a welcome bonus of 150,000 points after you spend at least $4,000 in your first 3 months of account opening. There's a $450 annual fee (See Review).

U.S. Bank Altitude® Reserve Visa Infinite® Card

Regular APR

16.99% - 23.99% Variable

Recommended Credit Score

N/A

Regular APR

16.99% - 23.99% Variable

Recommended Credit Score

N/A

Pros

  • Substantial welcome bonus and great earning opportunities, especially with mobile wallets
  • $325 annual travel and dining credit can offset most of the $400 annual fee
  • Top-notch travel insurance and protections

Cons

  • You must have an existing relationship with US Bank to be approved
  • Limited to a 12-month complimentary Priority Pass membership with only four free visits for cardholder (plus a guest) included
  • No airline or hotel transfer partners
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If you're already a US Bank customer, you're eligible to apply for the U.S. Bank Altitude® Reserve Visa Infinite® Card. This premium card comes with a limited Priority Pass Select membership which is valid for 12 months and comes with four free visits for the primary cardholder and four guest visits. Additional visits are $32 each, and authorized users aren't eligible for their own membership.

Read more: US Bank Altitude Reserve credit card review: One of the highest-earning premium travel cards on the market — but only when you combine it with a smartphone

The card also comes with excellent Visa Infinite benefits including top-notch travel and purchase protections. Cardholders receive up to $325 per year in credit toward travel and dining purchases, which offsets most of the card's $400 annual fee.

There's also a solid welcome bonus on the U.S. Bank Altitude® Reserve Visa Infinite® Card. New cardholders can earn 50,000 points after you spend $4,500 on purchases in the first 90 days of account opening.

Hilton Honors American Express Surpass® Card

Regular APR

17.24% - 26.24% Variable

Recommended Credit Score

Good to Excellent

Regular APR

17.24% - 26.24% Variable

Recommended Credit Score

Good to Excellent

Pros

  • High welcome bonus
  • Complimentary Hilton Gold elite status
  • Generous bonus categories for earning points

Cons

  • Weekend night reward requires spending $15,000 on the card in a year
  • Not much in the way of complimentary benefits beyond Hilton Gold status
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More Information

  • The information related to the Hilton Honors American Express Surpass® Card has been collected by Business Insider and has not been reviewed or provided by the issuer.
  • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees

If you don't want to shell out hundreds of dollars for an annual fee but still want Priority Pass lounge access, the Hilton Honors American Express Surpass® Card is an excellent option. Its annual fee is only $95 (See Rates), but it comes with Priority Pass Select membership that includes 10 free visits a year.

Read more: The Hilton Honors Surpass credit card offers 2 perks that make it a powerful card for the price

This is a good choice for less-frequent travelers who might not need unlimited lounge visits or care about restaurant credits. Keep in mind authorized users won't receive Priority Pass membership, either.

If you open the Hilton Honors American Express Surpass® Card now, you can earn an excellent welcome bonus of 130,000 points after spending $2,000 in eligible purchases on the card in the first 3 months of card membership, and up to $130 in statement credits on eligible Hilton family hotel purchases in the first 12 months.

Cardholders also receive automatic Hilton Gold elite status which offers perks like better rooms and free breakfast (currently awarded as a food and beverage credit). 

The Hilton Honors American Express Business Card

Regular APR

17.24% - 26.24% Variable

Recommended Credit Score

Good to Excellent

Regular APR

17.24% - 26.24% Variable

Recommended Credit Score

Good to Excellent

More Information

  • Limited Time Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership. Offer expires 7/6/2022.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases.
  • Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Terms apply.
  • See Rates & Fees

Like the Hilton Honors American Express Surpass® Card,  The Hilton Honors American Express Business Card is a solid choice if you don't travel often but still want Priority Pass airport lounge access. Again, restaurants are excluded, but this card's membership includes 10 free visits per year.

Read more: Guide to the best Hilton credit cards

For a reasonable $95 annual fee (See Rates), cardholders also receive Hilton Gold elite status and great bonus earning categories. Authorized users do not receive their own Priority Pass membership.

The Hilton Honors American Express Business Card is offering a huge welcome bonus right now: 130,000 bonus points after spending $3,000 in purchases on the card in the first 3 months of card membership, and up to $130 in statement credits on eligible Hilton family hotel purchases in the first 12 months (offer expires 7/6/22). You can find out more in our Hilton Honors Business card review.

Other credit cards with Priority Pass lounge access

There are a couple of other credit cards that come with Priority Pass Select membership, but neither is currently available to new applicants:

  • Citi Prestige® Card : Unlimited visits for the primary cardholder and up to two guests or immediate family (defined as spouse/domestic partner and children under 18). Authorized users cost $75 and get their own Priority Pass Select membership with the same guest privileges. The annual fee is $495 for the primary cardmember.
  • Ritz-Carlton Rewards® Credit Card: Unlimited visits for the primary cardholder and no limit on the number of guests. Authorized users are free and receive the same unlimited guest privileges. $450 annual fee.

The Ritz-Carlton Rewards® Credit Card is still available as an upgrade from the Marriott Bonvoy Boundless® Credit Card or Marriott Bonvoy Bold® Credit Card. If you've had one of these cards for at least a year, it's possible to call Chase and request to change to the Ritz-Carlton Rewards® Credit Card. You won't earn a welcome bonus, but it could be worth it if the card's benefits are valuable to you. 

Frequently Asked Questions (FAQ) — Credit cards with Priority Pass

Is Priority Pass membership automatic when you open an eligible credit card?

In most cases, Priority Pass membership does not happen automatically when you're approved for an eligible credit card — you'll typically have to activate it by enrolling through your card's online account or by calling the number on the back of your card.

Read more: Activate your new American Express Platinum card benefits so you can get hundreds of dollars in perks

For example, with American Express cards like the Platinum Card, you'll find an enrollment link under the "Benefits" tab in your account online. Each authorized user needs to enroll separately for their own Priority Pass membership as well.

Can you access airport lounges with just your credit card?

To enter a Priority Pass lounge or receive a food and beverage credit at participating airport restaurants, you'll need to show your Priority Pass Select membership card. Most (not all) lounges will also accept a digital card through the Priority Pass app, but it's best to carry your physical card with you just in case.

Your credit card alone will not get you into Priority Pass lounges.

What if you have a large family or are traveling in a big group?

With most cards, you're limited to two free guests — but if you have more people traveling with you, it may be possible to pay an entrance fee (usually $27 to $32) for your additional companions. Keep in mind there may be restrictions due to space availability so this may not always be an option.

Read more: My family hoarded credit card points during the pandemic, and earned enough to take a big trip when we were ready to travel again

One workaround for those with large families is to add a family member as an authorized user to cards like the Chase Sapphire Reserve® or Capital One Venture X Rewards Credit Card. That authorized user would get their own membership with two guests allowed — but keep in mind you must be at least 18 to enroll in Priority Pass.

Do children count as Priority Pass lounge guests?

Most lounges will allow children to enter as long as they're accompanied by a responsible adult, but keep in mind they'll usually be counted as a guest and be subject to an entrance fee if you're over your complimentary guest limit.

In some cases, lounges will allow children under a certain age to enter for free (without being counted toward your guest limit), but this is the exception rather than the rule.

If you cancel your credit card, can you still access Priority Pass lounges?

When you cancel your credit card, you won't be able to access Priority Pass lounges, even if the expiration date on your membership card is well into the future. The bank notifies Priority Pass about the cancellation and your membership will terminate effective the same day you cancel your credit card.

Read more: Canceling a credit card is easy, but you should ask yourself 3 questions before you do it

Can you 'stack' two Priority Pass memberships to get more guests into a lounge?

If you have more than one Priority Pass membership from different credit cards, it might be tempting to try to use both cards to allow yourself more free guests in a single visit. Unfortunately, you can only use one membership card per visit per person, so it's not possible to stack these benefits.

However, it is possible to visit more than one lounge or restaurant in the same airport on the same day.

Jasmin Baron is an editor at Insider, responsible for credit card coverage on Personal Finance Insider. She is also a Certified Educator in Personal Finance (CEPF).Before joining the Insider team, she was a senior editor at The Points Guy and Million Mile Secrets, covering credit cards, points and miles, and loyalty programs. Her expertise in maximizing travel rewards grew from over two decades of experience in the aviation industry, including 18 years working as a pilot and flight instructor in her native Canada.You can reach Jasmin at jbaron@insider.com. Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services »

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