Guides to credit cards with airport lounge access: the networks, the guest rules and who each card fits, dated for 2026.
The Marriott Bonvoy Brilliant from Amex: the $650 fee, the 85,000-point free night, Platinum status, the dining credit, and who it fits.
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The Amex Business Platinum charges an $895 annual fee and returns it through business travel credits and 5x on flights and prepaid hotels, plus the widest lounge access.
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The Delta SkyMiles Reserve, an Amex card, charges $650 and returns it through Delta Sky Club access, an annual companion certificate good in First Class, and credits, plus a boost toward Medallion status.
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The Hilton Honors Aspire, an Amex card, charges $550 and gives automatic top-tier Hilton Diamond status, an annual free night, a $400 resort credit, and a $200 flight credit.
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The Amex Platinum charges an $895 annual fee and returns it through more than $3,500 in statement credits, plus the widest airport lounge access of any card.
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The Capital One Venture X is the easiest premium card to justify. It charges $395 a year, but a $300 travel credit and 10,000 anniversary miles (about $100) bring the real cost near zero.
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The Chase Sapphire Reserve charges a $795 annual fee and offsets it with more than $2,000 in credits when fully used, plus the best travel protections of any card and points that transfer to Chase partners.
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