Why Airport Lounge Access Is Key For Anyone (Like Me!) Who Doesn’t Live Near a Big City
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I recently took a trip to Thailand thanks to the Hong Kong Airlines mistake fare between the US and Bangkok that popped up late last year. The tickets were a steal – you could fly in Business Class from either San Francisco or Los Angeles to a handful of cities in Asia, like Bangkok and Shanghai, for ~$635 round-trip.
That’s an insanely great deal considering tickets like these normally cost $3,000+. Although there were some not-so-great things about the deal too, such as the limited routes and long layovers on most itineraries. And it’s instances like this where having any number of the best credit cards with airport lounge access becomes more important than ever!
I’ll explain.

Airport Lounge Access Is an Invaluable Perk
When it comes to mistake fares and oftentimes even award tickets, finding reasonable itineraries can be tricky for anyone living outside of a big city.
Cheap flights to Hawaii? Great! But oh wait, those deals are only available from West Coast cities like Los Angeles and Seattle.
Sub-$400 fares across the pond to Europe? How exciting! But darn, they’re only good from cities like New York, Atlanta, and Miami.
Don’t get me wrong, I’ve been able to find some incredible deals out of my home airport of Missoula, Montana. But they’re few and far between in comparison to deals from many of the major US cities. And to take advantage of most deals I have to find my way to a nearby hub city, like Denver, Salt Lake City, or Seattle.
That’s not a huge deal and I’ll often just use miles and points for those “positioning flights” as well. But taking a positioning flight adds to your travel time. And sometimes it’s hard to create an efficient itinerary.
That said, there’s one credit card perk I’ve found to be extremely useful when it comes to making a long journey more comfortable – airport lounge access.

The airport lounge access I get with cards like the Chase Sapphire Reserve and The Business Platinum Card® from American Express has undoubtedly saved me tons of money over the years (enrollment required). If I consider the entry fees alone, I’m sure I’ve saved over $1,000, and that doesn’t even account for the free food, Wi-Fi, and unquantifiable value of comfy seats and quiet surroundings.
For example, the mistake fare itinerary I mentioned earlier took us from Los Angeles to Bangkok, but included a 7.5-hour layover in Hong Kong, with our connecting flight Hong Kong departing at 2:00 am local time. This was after the ~15-hour flight between Los Angeles and Hong Kong. Plus, because of having to take a positioning flight between Missoula and Los Angeles, we had nearly 4 hours to spend in Los Angeles, too.
Thanks to airport lounge access, spending these long stretches in various airports wasn’t nearly as terrible. And after landing in Hong Kong (and instead of having to curl up on the cold floor in the terminal!), we were able to take a warm shower, relax in semi-private surroundings, and eat delicious free food.

We took advantage of airport lounge access on the flights home too. Our flight from Bangkok to Hong Kong departed at noon, and instead of paying for breakfast at the hotel, we chose to head to the airport a little early to snag free breakfast at a lounge. Getting there a little earlier also made the trip less hectic because we didn’t have the anxiety of needing to rush through check-in or security (which is especially great when you’re traveling with a toddler).
Best Credit Cards for Airport Lounge Access
If you want to make life a lot easier for yourself and your travel companions, consider these cards:
- Credit Card With Access to the Most Lounges: The Business Platinum Card® from American Express
- Best Overall Travel Credit Card With Lounge Access: Chase Sapphire Reserve®
- Best Credit Card for United Airlines Flights: United Club℠ Infinite Card
- Best Credit Card for American Airlines Flights: Citi® / AAdvantage® Executive World Elite Mastercard®
- Best Credit Card for Folks Who Want to Try Airport Lounges: United℠ Explorer Card
Anyone living outside of a major city should consider getting at least one of the best credit cards with airport lounge access. Having access to airport lounges can be an invaluable perk for anyone who might have to spend extra time in the airport, which is often the case for those of us in smaller cities. That way you can continue to take advantage of many of the great miles and points deals (and even mistake fares!) while ensuring you’re traveling comfortably.
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Chase Sapphire Reserve®
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 flights 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
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
Intro APR on purchases
N/A
Regular APR
21.49% – 28.49% Variable
Annual Fee
$550
Balance Transfer Fee
Either $5 or 5% of the amount of each balance transfer, whichever is greater
Rates & Fees
Other
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