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onaclaireplane Best Cards for Lounge Access
Published Jan 6, 2026 3:00 AM
• Updated Jan 6, 2026 3:16 AM
Written By
InfluencerIf you're looking for a card to get airport lounge access when you fly, these are the best options! They all have different levels of access and number of passes, with the Amex Platinum and Amex Business Platinum being the most comprehensive.
REWARDS RATE
1x - 2x
ANNUAL FEE
$799
INTEREST RATES
21.99% - 30%* / N/A*
Purchase / Cash Advance
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660Good
725Very Good
760Excellent
APPLY NOW
on American Express' website
REWARDS RATE
1.25x
ANNUAL FEE
$799
INTEREST RATES
21.99% - 30%* / 21.99% - 30%*
Purchase / Cash Advance
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660Good
725Very Good
760Excellent
APPLY NOW
on American Express' website
REWARDS RATE
2x
ANNUAL FEE
$399
INTEREST RATES
9.99% / 9.99%
Purchase / Cash Advance
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660Good
725Very Good
760Excellent
GET $175 REBATE
Exclusive offer through Finly
REWARDS RATE
1x - 3x
ANNUAL FEE
$150
INTEREST RATES
20.99% / 22.99%
Purchase / Cash Advance
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660Good
725Very Good
760Excellent
GET $150 REBATE
Exclusive offer through Finly
REWARDS RATE
1.5x
ANNUAL FEE
$199
INTEREST RATES
19.99% / 22.99%
Purchase / Cash Advance
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660Good
725Very Good
760Excellent
GET $125 REBATE
Exclusive offer through Finly
REWARDS RATE
1.25x - 2x
ANNUAL FEE
$599
INTEREST RATES
21.99% / 22.99%□
Purchase / Cash Advance
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660Good
725Very Good
760Excellent
APPLY NOW
on TD's website
REWARDS RATE
1.25x - 2x Aeroplan® points
ANNUAL FEE
$599
INTEREST RATES
20.99% / 22.99%□
Purchase / Cash Advance
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660Good
725Very Good
760Excellent
APPLY NOW
on CIBC's website
REWARDS RATE
2x - 8x
ANNUAL FEE
$139 $0 First Year Rebated
INTEREST RATES
21.99% / 22.99%□
Purchase / Cash Advance
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660Good
725Very Good
760Excellent
APPLY NOW
on TD's website
REWARDS RATE
1x - 5x
ANNUAL FEE
$150 $0 First Year Rebated
INTEREST RATES
21.99% / 23.99%□
Purchase / Cash Advance
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660Good
725Very Good
760Excellent
GET $125 REBATE
Exclusive offer through Finly
REWARDS RATE
1x - 2x points
ANNUAL FEE
$139 $0 First Year Rebated
INTEREST RATES
20.99% / 22.99%□
Purchase / Cash Advance
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660Good
725Very Good
760Excellent
APPLY NOW
on CIBC's website
REWARDS RATE
1x - 2x points
ANNUAL FEE
$139 $0 First Year Rebated
INTEREST RATES
20.99% / 22.99%□
Purchase / Cash Advance
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660Good
725Very Good
760Excellent
APPLY NOW
on CIBC's website