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Credit Cards

These credit cards make flying easier by including lounge access and credits for expedited airport security

Air travel is back and as busy as ever. Here's how to make your airport experience easier.

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Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

It's been a rough year for domestic and international travelers. Marred by issues related to understaffing, many airlines have found themselves in a precarious position — in this case, not having enough planes and crew members to accommodate so many travelers — leading to lots and lots of flight cancellations.

Needless to say, it's been a stressful time for those who have had to fly. And as demand for travel remains strong, it's predicted that this will be a long-standing issue.

Thankfully, there are a few ways to make your next trip to the airport a little bit easier, especially if you have the right credit card.

Whether you're a frequent flyer or you simply want to make your upcoming flight less of a headache, these seven credit cards are worth considering, as they each include complimentary lounge access and statement credits toward expedited airport security to make your next travel experience less stressful.

Best credit cards for lounge access and expedited security

Statement credits for expedited airport security

Before you hit the airport lounge, you'll need to get through a potentially long security line. While wait times are completely out of your control, there are a few expedited security clearance programs you can enroll in to hopefully shorten your time in line.

  • TSA PreCheck®: Issued by the Transportation Security Administration, this is the cheapest option if you want to get through security lines at U.S. airports faster. $78 gets you five years of membership.
  • Global Entry: Issued by U.S. Customs and Border Protection, I find Global Entry to be the most sensible option for most travelers, especially as it comes with all the same TSA PreCheck benefits built in. With Global Entry, you can also clear customs much quicker when arriving back to the U.S. It costs $100 for five years of membership.
  • CLEAR: As its own standalone product, CLEAR provides quicker clearance through security thanks to biometric technology. By simply scanning your boarding pass and either using your eyes or fingerprints as your method of personal identification, you will be escorted to the front of the general security line, or to the front of the TSA PreCheck line if you're also enrolled in the program. CLEAR membership costs $189 per year.

With each of the credit cards mentioned below, you can enroll in one or more of these expedited security programs, then receive statement credits to cover your membership with either TSA PreCheck®, Global Entry, CLEAR or a combination of them, depending on the card.

Using credit cards to score airport lounge access

Airport lounges aren't only for travelers who fly in business or first class. There are many travel rewards credit cards offering airport lounge access just for being a card member.

Lounges provide a number of benefits to travelers, and they're especially worthwhile for those who hope to avoid large crowds in the airport terminal while waiting to board their flight. Many lounges also offer complimentary food and beverages to their guests, so visiting one is an easy way to save money instead of having to purchase expensive airport food. Some even offer unique amenities like cycling rooms, showers and complimentary massages.

Another good thing is nearly all major airports have at least one lounge, if not more. Throughout my own travels, I've found airport lounges to be an excellent way to escape noisy and crowded airport terminals.

Without further ado, here's a look at seven credit cards that include airport lounge access as well as statement credits toward membership with the aforementioned expedited security programs.

The Platinum Card® from American Express

The Platinum Card® from American Express

On the American Express secure site
  • Rewards

    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, 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel, 1X points on all other eligible purchases

  • Welcome bonus

    Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.

  • Annual fee

    $695

  • Intro APR

    None

  • Regular APR

    See Pay Over Time APR

  • Balance transfer fee

    N/A

  • Foreign transaction fee

    None

  • Credit Needed

    Excellent/Good

  • See rates and fees, terms apply.

With The Platinum Card® from American Express, cardmembers and two guests can enjoy access to more than 1,400 Priority Pass lounges across 140 countries, as well as American Express Centurion℠ lounges in the U.S. and abroad, Delta Sky Club® lounges, Escape Lounges, Plaza Premium Lounges and Air Space lounges.

It's worth noting that in order to enter a Delta Sky Club® lounge, you must be flying with Delta or one of its airline partners. Also, starting Feb. 1, 2023 cardholders will have to pay $50 per guest entering a Centurion lounge ($30 per child ages 2–17), although you can qualify for two complimentary guest passes per visit after you spend at least $75,000 on your card within a calendar year. For more information, visit the American Express Global Lounge Collection℠ website.

As for expedited security, cardholders can receive up to $189 each year in statement credits by using The Platinum Card from American Express to pay for their CLEAR® Plus membership (subject to auto-renewal), as well as a $100 fee credit for Global Entry every 4 years or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost. The card also comes with an up to $200 annual airline fee credit that you can use toward incidentals like checked baggage fees, seat selection fees, change fees and more.

Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express Card

On the American Express secure site
  • Rewards

    Earn 3X Miles on Delta purchases and 1X Mile on all other eligible purchases.

  • Welcome bonus

    Earn 60,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months of Card Membership.

  • Annual fee

    $650

  • Intro APR

    N/A

  • Regular APR

    20.99% - 29.99% variable

  • Balance transfer fee

    N/A

  • Foreign transaction fees

    None

  • Credit needed

    Excellent/Good

See rates and fees, terms apply.

The Delta SkyMiles® Reserve American Express Card is a solid choice for those seeking lounge access, especially if you fly with Delta Airlines regularly. You'll receive access to American Express Centurion℠ lounges when you book Delta flights with your Reserve card, as well as access to Delta Sky Club® lounges Reserve Card Members will receive four Delta Sky Club One-Time Guest Passes each year. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

The card also provides a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership through any TSA Precheck official enrollment provider (up to $85) when you pay the application fee with an eligible Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.

Other air travel-related perks include a first checked bag free, priority boarding and complimentary seat upgrades when you fly Delta.

Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

  • Rewards

    10 Miles on hotels per dollar and rental cars, 5 Miles per dollar on flights when booked via Capital One Travel; unlimited 2X miles on all other eligible purchases

  • Welcome bonus

    Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening

  • Annual fee

    $395

  • Intro APR

    None

  • Regular APR

    19.99% - 29.99% (Variable)

  • Balance transfer fee

    $0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

  • Foreign transaction fees

    None

  • Credit needed

    Excellent

  • See rates and fees. Terms apply.

The Capital One Venture X Rewards Credit Card is another great card option for travelers looking to escape the airport terminal. Capital One recently announced Capital One Landing, a culinary-focused alternative to the traditional airport lounge coming soon to New York's LaGuardia Airport (LGA) and Ronald Reagan Washington National Airport (DCA). Details are still slim, but it's expected that cardholders will receive special perks.

The card also provides a statement credit of up to $100 every four years when you use it to pay for your Global Entry or TSA PreCheck® membership.

Capital One Ventures Rewards Credit Card

Capital One Venture Rewards Credit Card

  • Rewards

    5 Miles per dollar on hotel and rental cars booked through Capital One Travel, 2X miles per dollar on every other purchase

  • Welcome bonus

    Earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening

  • Annual fee

    $95

  • Intro APR

    N/A for purchases and balance transfers

  • Regular APR

    19.99% - 29.99% variable

  • Balance transfer fee

    $0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

See rates and fees, terms apply.

 

The Capital One Venture Rewards Credit Card is a great option for those who aren't exactly frequent flyers because you can earn unlimited 2X miles on every dollar spent. You also earn 5X miles per dollar on hotel and rental cars booked through Capital One Travel as well as up to a $100 credit for Global Entry or TSA PreCheck® application fee every four years.

United Club℠ Infinite Card

United Club℠ Infinite Card

On Chase's Secure Site
  • Rewards

    Earn 4 miles per $1 spent on United® purchases, 2 miles per $1 spent on all other travel and dining, and 1 mile per $1 spent on all other purchases

  • Welcome bonus

    Earn 80,000 bonus miles after qualifying purchases

  • Annual fee

    $525

  • Intro APR

    None

  • Regular APR

    21.99% - 28.99% Variable

  • Balance transfer fee

    5%, minimum $5

  • Foreign transaction fees

    None

  • Credit needed

    Excellent

Member FDIC. Terms apply.

 

Those who fly with United Airlines will enjoy complimentary United Club membership, worth a value of $650 per year, as a perk of having the United Club℠ Infinite Card. This gives you and up to two guests access to United Club and affiliated Star Alliance lounges worldwide when traveling with the airline or one of its partners. or a partner airline.

The card also provides a statement credit of up to $100 every four years to cover your membership with Global Entry, TSA PreCheck® or NEXUS, an expedited security program for those traveling between the U.S. and Canada.

Other perks include complimentary first and second checked bags when you fly with United, 25% back on in-flight purchases and priority check-in, boarding and baggage handling.

Chase Sapphire Reserve®

Chase Sapphire Reserve®

On Chase’s secure site
  • Rewards

    Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ 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 plus, 10X points on Lyft rides through March 2025

  • Welcome bonus

    Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

  • Annual fee

    $550

  • Intro APR

    None

  • Regular APR

    22.49% - 29.49% variable

  • Balance transfer fee

    5%, minimum $5

  • Foreign transaction fee

    None

  • Credit needed

    Excellent

  • Terms apply.

 

Chase Sapphire Reserve® cardholders will have access to more than 1,300 airport lounges across 148 countries once they enroll for free through Priority Pass. You can bring up to two guests for free.

The Chase Sapphire Reserve also provides a statement credit of up to $100 every four years to reimburse you for your Global Entry or TSA PreCheck® enrollment fee.

Citi® / AAdvantage® Executive World Elite Mastercard®

Citi® / AAdvantage® Executive World Elite Mastercard®

Information about the Citi® / AAdvantage® Executive World Elite Mastercard® has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    10X AAdvantage® miles per dollar spent on eligible rental cars through aa.com/cars, 10X AAdvantage® miles per dollar spent on eligible hotels through aa.com/hotels, 4X AAdvantage® miles per dollar spent on eligible American Airlines purchases and 1X AAdvantage® miles per dollar spent on all other purchases.

  • Welcome bonus

    Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.

  • Annual fee

    $595

  • Intro APR

    None

  • Regular APR

    21.24% - 29.99% variable

  • Balance transfer fee

    Either $5 or 5% of the amount of each transfer

  • Foreign transaction fees

    None

  • Credit needed

    Good/Excellent

Terms apply.

The Citi / AAdvantage Executive World Elite Mastercard is ideal for American Airlines flyers as it comes with a full Admirals Club membership, worth a value of $650 per year. You're allowed to bring up to two guests for free but you can add up to ten authorized users to the card for free and they each get their own memberships as well.

The card also provides a statement credit of up to $100 every five years to cover your membership with Global Entry or TSA PreCheck®.

When flying American Airlines, you'll also enjoy a first checked bag free, priority check-in, early boarding and 25% savings on inflight food and beverage purchases.

Bottom line

Americans are eager to get back on the road after the pandemic-related restrictions, but it's not coming without several issues. However, with one of these cards listed above, you can not only earn a solid welcome bonus to earn rewards for traveling — but also avoid the pains of long security lines and noisy airports with the benefits of each card above.

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Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best travel credit cards.

Catch up on CNBC Select's in-depth coverage of credit cardsbanking and money, and follow us on TikTokFacebookInstagram and Twitter to stay up to date.

For rates and fees of The Platinum Card® from American Express, click here.

For rates and fees of the Delta SkyMiles® Reserve American Express Card, click here.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
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