Best miles credit cards with airport lounge access (October 2026)

Ranked by net value (yearly miles minus the annual fee) at $3,000/mo, Economy · Short-haul. We compared all 8 eligible cards.

  1. 1Capital OneCapital One Venture X Rewards Credit CardEarns Aeroplan® · Flying Blue · AviosMiles a year84,400Annual fee$395Net value+$566.91
  2. 2Cardless (Bilt)Bilt Palladium CardEarns MileagePlus® · Aeroplan® · Flying Blue · AviosMiles a year73,900Annual fee$495Net value+$347.24
  3. 3CitiCiti Strata Elite CardEarns AAdvantage® · Flying Blue · AviosMiles a year67,800Annual fee$595Net value+$261.99
  4. 4CitiCiti / AAdvantage Executive World Legend MastercardEarns AAdvantage®Miles a year39,700Annual fee$695Net value−$193.19
  5. 5ChaseChase Sapphire Reserve®Earns MileagePlus® · Aeroplan® · Flying Blue · AviosMiles a year52,800Annual fee$795Net value−$193.24
  6. 6American ExpressDelta SkyMiles® Reserve American Express CardEarns SkyMiles®Miles a year36,600Annual fee$650Net value−$207.43
  7. 7ChaseUnited Club℠ CardEarns MileagePlus®Miles a year46,000Annual fee$695Net value−$234.82
  8. 8American ExpressThe Platinum Card® from American ExpressEarns SkyMiles® · Aeroplan® · Flying Blue · AviosMiles a year40,600Annual fee$895Net value−$404.06
Different spending means a different ranking. You can also pick your route, cabin and season.
Recalculate with my spending →

Based on issuer disclosures as of 2026-10-01. How we calculate

More rankings