Credit Cards That Offer Airport Lounge Access

If you're an avid traveller and appreciate a more pleasant travelling experience then you may find it worth it to have a credit card with airport lounge access.

Lisa Rennie
Updated November 11, 2020

These days, credit cards offer a lot more than just the opportunity to make payments without having to carry cash. 

Credit cards are a lot more sophisticated than that. Not only do they typically allow card users to accumulate points with every dollar spent, they also come with other unique perks, such as airport lounge access.

If you’re an avid traveller and appreciate a more pleasant travelling experience, then a credit card that offers airport lounge access may be something to consider. In this article, we’ll list some of our favourites and break them down for you to help you decide which one suits you best.

Types of Airport Lounge Access

When you enter an airport and make your way to the gate after checking in and leaving your luggage with an airport attendant, you’ll usually be greeted with a sea of attached chairs and a handful of places to grab a coffee and something quick to eat. 

And while it’s nice to have a place to sit, it’s no comparison to some of the VIP lounges that exist at many airports across the nation. 

When it comes to the types of airport lounge access that you may be able to get when you book using a specialized credit card, this is what you can expect:

  • Priority Pass. There are over 1,300 Priority Pass lounges across the globe. You can purchase a priority pass membership and pay for entrances on the go, or you can gain access via perks from different credit cards.
  • American Express Global Lounge Collection. More than 1,200 Amex lounges exist in over 130 countries and are accessible only to Amex Platinum, Centurion and Delta SkyMiles Reserve users. They are usually far less crowded compared to other lounges, making them more comfortable.
  • MasterCard LoungeKey. There are approximately 1,000 LoungeKey airport lounges in the world that are accessible to those who have certain types of Mastercard credit cards.
  • Air Canada’s Maple Leaf Lounges. There are only a handful of these lounges at airports in Canada and the US, and they are only accessible when you fly with Air Canada and in certain situations, such as reaching a frequent flyer status or having a specific ticket class.

Best Credit Cards With Airport Lounge Access 

The following credit cards make our shortlist for the best credit cards that offer VIP lounge access at airports across the globe:

  • BMO eclipse Visa Infinite Privilege* Card
  • TD Aeroplan Visa Infinite Privilege Card
  • Scotiabank Passport Visa Infinite Card
  • American Express Platinum Card

Let’s get into a little more detail about each.

BMO eclipse Visa Infinite Privilege* Card

BMO infinite privilege

BMO has long been an exclusive MasterCard issuer, but as of this year, the bank is now offering two new Visa cards to add to its repertoire. 

The BMO eclipse Visa Infinite Privilege* Card is designed specifically for higher-wealth individuals who enjoy luxurious vacations, exclusive events, and appreciate access to exclusive privileges.

This particular card can provide cardholders with these perks thanks to the access it offers to Priority Pass airport lounges, as well as the Visa Infinite Privilege Concierge, Priority Security Lane, and exclusive valet and airport parking at select airports..

With the BMO eclipse Visa Infinite Privilege* Card’s Priority Pass membership, cardholders can visit 6 airport lounges per year, a value of nearly $300 USD. That’s plenty even for the avid traveller, whether for business or pleasure. Plus, you can use your 6 passes on yourself or your companions and any additional visits will cost you USD $32. Moreover, users can earn 5 times the rewards points every dollar spent on eligible travel, dining, gas, groceries, and drugstore purchases, and 1 point for every dollar spent anywhere else.

To be eligible for this credit card, cardholders must earn a minimum annual income of $150,000, or $200,000 for households. 

TD Aeroplan Visa Infinite Privilege Card

TD - Airport Access

Cardholders can earn 1.5 Aeroplan Miles for every dollar spent on eligible gas, grocery, and pharmacy purchases and Air Canada purchases, and 1.25 miles for every dollar spent on all other purchases. Plus, you can earn miles twice when you use your TD Aeroplan Visa Infinite Privilege Card along with your Aeroplan Membership Card at participating retailers.

If you’re an Aeroplan member, you can access any seat on a flight at any time on all Air Canada flights. Plus, you’ll get access to Air Canada Maple Leaf airport lounges in Canada 4 times a year, as well as around 200 affiliate airport lounges elsewhere across the globe. In order to access a Maple Leaf lounge, you must have redeemed your Aeroplan miles for your flight. In case you did not, you can still access airport lounges within the Priority Pass network 6 times per year. 

In order to qualify for the TD Aeroplan Visa Infinite Privilege Card, users must earn a minimum annual household income of $200,000 and have a good to excellent credit score. 

Scotiabank Passport Visa Infinite Card

Scotia - Passport

The Scotiabank Passport Visa Infinite Card is another great credit card for both rewards points and airport lounge perks. With this card, users can earn 2 Scotia Rewards points for every dollar spent on eligible dining, groceries, transit, and entertainment purchases, and 1 point for every dollar spent on all other purchases. 

Cardholders get access to Priority Pass airport lounges 6 times per year, though you can also pay $27 USD per entry per person to these lounges if you use them all up before the yearly renewal. Plus, there are no foreign transaction fees to pay for, whether you shop online or abroad. 

Income requirements for the Scotiabank Passport Visa Infinite Card include a minimum annual income of $60,000 for individuals or $100,000 for households.

American Express Platinum Card

American EX - Airport Access

Canadians who travel frequently and appreciate the perks and comfort that VIP airport lounges offer may want to look into the American Express Platinum Card, which offers cardholders complimentary access to more than 1,200 airport lounges in over 130 countries worldwide. More specifically, airport lounge access includes Delta Sky Club and Priority Pass Select lounges.

Users can also take advantage of travel medical insurance, travel cancellation insurance, travel accident insurance, and travel interruption insurance. Plus, users will receive a $200 CAD credit annually that can be used toward any travel booking of at least $200 charged to your card and booked through American Express Travel Online or Platinum Card Travel Service.

When you first sign up, you can earn 25,000 welcome bonus points, as well as 60,000 points when you first use the card to make at least $5,000 in purchases over the first three months. After that, you can earn 3 points for every dollar spent on eligible dining in Canada, 2 points for every dollar spent on eligible travel, and 1 point for every dollar spent on all other purchases.

Overview of The Best Credit Cards with Airport Lounge Access

Annual FeeAPRLounge TypeLounge VisitsWelcome Bonus
BMO eclipse Visa Infinite Privilege* Card$49920.99%– Priority Pass6Up to 50,000 BMO Rewards points (apply by Oct, 31, 2021)
TD Aeroplan Visa Infinite Privilege Card$39919.99%– Air Canada Maple Leaf
– Priority Pass
– Air Canada Maple
Leaf: 4
– Priority Pass: 6
Up to 50,000 Aeroplan Miles 
Scotiabank Passport Visa Infinite Card$13919.99%– Priority Pass635,000 points in the first year
American Express Platinum Card$69930.00%– Delta Sky Club Lounges
– Priority Pass Select Lounges
Not specified25,000 points

Factors to Consider When Getting a Credit Card with Airport Lounge Access

If you’re on the lookout for an airport access lounge credit card, there are a few factors you should consider, including the following:

How often you travel. The first thing you should consider is your airline travel frequency. If you fly multiple times per year, you may be spending quite a bit of time at gates waiting to board your flight. If that’s the case, having access to a more comfortable lounge might make it worth taking out a credit card like the ones listed above. 

How much you can save versus the annual fee. Some credit cards come with hefty annual fees, so you’ll want to weigh the cost of having an airport lounge credit card against the potential savings of not having to pay every time you want access to a VIP airport lounge. 

Lounge program. As you can see from the list above, not every credit card offers access to the exact same airport lounge, There are various airport lounges out there, each of which is different from the other. You might have a particular preference for a specific lounge, and if so, be sure to select a credit card that grants exclusive access to these lounges. 

Other credit card features. The credit cards mentioned above come with a host of other perks, including rewards programs, travel insurance, and other perks. Compare these other features when looking at various credit cards before making your choice.

Eligibility requirements. Each credit card has its own income and credit score requirements in order to be eligible. Be sure to look into what these requirements are to see if you qualify before applying. 

Final Thoughts

If you’re one for travelling or frequently find yourself flying to other cities for business, how nice would it be to have access to a VIP airport lounge when you’re waiting to board? If you appreciate these luxuries, then you may find it worth it to have an airport lounge access credit card in your wallet. It’ll make the time spent at the airport more pleasant while offering other perks for you to take advantage of.

* BMO, Scotiabank, TD Bank, and American Express are not responsible for the accuracy of this information or for maintaining the content on this page. Please visit the website of the credit card provider to the most up to date information.