Airport lounge access can transform an otherwise gruelling layover into a relaxing respite. Lounges typically offer free snacks and drinks (including complimentary alcoholic drinks), free Wi-Fi, plentiful comfortable seating, dedicated work areas, showers, sleep pods and even spa services. It’s little wonder, then, that for many frequent fliers, lounge access is an especially coveted credit card feature.
Top 3 lounge access cards
Scotiabank Passport™ Visa Infinite Card
BMO Ascend™ World Elite Mastercard
TD Aeroplan Visa Infinite Privilege Card
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Best lounge access credit cards overview
Scroll through the table to see all card details.
| Card | Best for | Number of lounge visits | Details | Requirements |
|---|---|---|---|---|
Scotiabank Passport Visa Infinite go to site | Overall airport lounge access | 6 annual passes: Visa Airport Companion (DragonPass) | Annual fee: $150 Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers | Credit score: 725 or higher Income required: $60,000 |
TD Aeroplan Visa Infinite Privilege go to site | Luxury airport lounge access | Unlimited access: Maple Leaf Lounges (North America) 6 passes: Visa Airport Companion (DragonPass) | Annual fee: $599 Interest rates: 20.99% on purchases, 22.99% on balance transfers, 22.99% on cash advances | Credit score: 680 or higher Income required: $150,000 |
American Express The Platinum Card | Frequent travellers | Unlimited access: Amex Global Lounge Collection (Priority Pass, Plaza Premium, Centurion) | Annual fee: $799 Interest rates: N/A (as a charge card, you’re required to pay off your balance in full every month) | Credit score: 760 or higher Income required: None |
BMO Ascend World Elite Mastercard go to site | Occasional travel | 4 annual passes: Mastercard Travel Pass (DragonPass) | Annual fee: $150 Interest rates: 20.99% on purchases, 23.99% on balance transfers, 23.99% on cash advances | Credit score: 760 or higher Income required: $80,000 |
CIBC Aventura Visa Infinite | Travelling to the U.S. | 4 annual passes: Visa Airport Companion (DragonPass) | Annual fee: $139 Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers | Credit score: 760 or higher Income required: $60,000 |
Best overall airport lounge access card
At a glance: With six complimentary airport lounge visits a year, the Scotiabank Passport Visa Infinite Card offers the most free visits among credit cards in a comparable fee range. For that reason alone, the card pays for itself. Adding to its travel-friendly allure is the fact that it’s one of the few cards in Canada that doesn’t charge a foreign transaction (FX) fee. Other cards typically charge 2.5% on purchases made in a foreign currency.
Scotiabank Passport Visa Infinite
Annual fee: $150
- 3 Scene+ points per $1 spent at Sobeys stores
- 2 points per $1 on groceries, dining, entertainment and transit
- 1 point per $1 on all other eligible purchases
Welcome offer: Earn up to $1,100 in value in the first 12 months, including up to 35,000 bonus Scene+ points. Offer ends October 31, 2025.
Card details
| Interest rates | 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers |
| Income required | Personal income of $60,000 per year or household income of $100,000 per year |
| Credit score | 725 or higher |
| Point value | 1 Scene+ point = $0.01 when redeemed for travel on any airline or hotel (including Airbnbs). |
Pros
- Receive complimentary Visa Airport Companion Program membership, which includes six free lounge visits per year, the most free visits of any travel credit card in a similar fee range.
- No foreign transaction fees on purchases made in non-Canadian currency.
- It’s one of the few cards that don’t make you book travel through a proprietary booking site in order to redeem points. While you can book with Scene+ Travel, you can also book travel online or with any travel agency and still redeem Scene+ points to cover the cost of your trip
Cons
- The highest earn rate of 3 Scene+ points is only available at a few grocery retailers.
- No mobile device insurance coverage.
- Scene+ points have a lower value when redeemed for gift cards or merchandise than when used for grocery purchases and travel.
Best luxury airport lounge access card
At a glance: For Aeroplan points collectors who want an elevated airport experience, the TD Aeroplan Visa Infinite Privilege credit card can be a great travel companion. It’s packed with travel benefits like unlimited free access to Maple Leaf Lounges throughout North America.
TD Aeroplan Visa Infinite Privilege
Annual fee: $599
- 2 Aeroplan points per $1 on direct purchases with Air Canada and Air Canada Vacations
- 1.5 Aeroplan points per $1 on eligible gas, grocery, travel and dining purchases
- 1.25 points per $1 spent everywhere else
Welcome offer: Earn up to $2,900 in value, including up to 80,000 Aeroplan points. Conditions apply. Account must be approved by Jan. 6, 2025.
Card details
| Interest rates | 20.99% on purchases, 22.99% on balance transfers, 22.99% on cash advances |
| Income required | Personal income of $150,000 or household income of $200,000 |
| Credit score | 680 or higher (recommended) |
| Anniversary bonus | Earn a one-time bonus of 30,000 Aeroplan points when you spend at least $24,000 within 12 months of opening the account. Conditions apply. |
| Point value | Aeroplan points are worth $0.02 on average. |
Pros
- Includes unlimited access to Maple Leaf Lounges for you and a guest, as well as six free visits per year to over 1,200 lounges with its included DragonPass membership.
- Take advantage of a Nexus fee rebate of up to $100 every two years.
- Comes packed with generous travel-friendly perks like priority boarding and upgrades, as well as a companion pass.
- The included travel insurance is robust—with coverage for the first 31 days of your trip if you are under 65, as opposed to the more common 15-21 days. You also get flight delay/ trip cancellation coverage, common carrier and rental car accident insurance.
Cons
- To qualify, you’ll need a high annual personal income of $150,000 or household income of $200,000.
- Even for a premium card with tons of perks, the annual fee is high, at $599.
- Many of the travel benefits (like priority check-in and priority boarding) only apply to flights operated by Air Canada.
Best airport lounge access cards for frequent travellers
At a glance: It’s one of the most expensive premium credit cards in Canada, but the $799 annual fee gets you access to the most comprehensive and amenity-laden selection of airport lounges worldwide, including top-tier American Express Centurion Lounges. Depending on the lounge, cardholders may have an unlimited number of free visits and can also bring one companion with them at no additional cost.
American Express Platinum
Annual fee: $799
- 2 points per $1 on dining and food delivery
- 2 points per $1 on travel, plus 1 additional point on purchases booked through Amex Travel Online
- 1 point per $1 on everything else
Welcome offer: Earn up to 140,000 Membership Rewards points ($1,400 value). Must apply by Jan. 28, 2025.
Card details
| Interest rates | N/A (as a charge card, you’re required to pay off your balance in full every month) |
| Income required | None |
| Credit score | 760 or higher |
| Anniversary bonus | $200 annual dining credit to use at a curated list of Canada’s top restaurants. Plus, $200 annual travel credit when booking through American Express Travel Online. |
| Point value | 1 Amex Membership Rewards point = $0.01 when redeemed with the Flexible Points Travel Program, $0.015 on average with the Fixed Points Travel Program, and up to $0.02 with airline points transfers. |
Pros
- The card gives you access to The American Express Global Lounge Collection, which is the largest airport lounge collection available, featuring more than 1,400 lounges in over 140 countries. Lounges include American Express Centurion Lounges, Plaza Premium and Delta Sky lounges.
- Get a $200 credit that can be redeemed towards a travel purchase made via American Express Travel Online.
- When staying at eligible Fine Hotels + Resorts, enjoy extras like guaranteed late check-out and complimentary daily breakfast for two.
Cons
- Comes with one of the highest annual fees in Canada.
- The travel medical insurance is somewhat lacklustre for such a high annual fee—it only covers you for up to 15 consecutive days (other cards offer 20 days or more) and doesn’t offer any insurance to those who are 65 or older.
- American Express isn’t as widely accepted by retailers in Canada as Visa and Mastercard.
At a glance: If you balk at paying $799 a year for the American Express Platinum card, the Scotiabank Platinum American Express Card might be the ticket. It’s a good fit for those who are willing to pay a bit more for extra airport lounge visits. With an annual fee of $399, it comes with 10 complimentary airport lounge visits per year through Priority Pass. Additionally, cardholders earn 2 Scene+ points per dollar spent on all purchases, and there are no foreign transaction fees, making it a smart choice if you travel often outside of Canada.
Scotiabank Platinum Amex
Annual fee: $399
- 2 points per $1 spent on eligible purchases
- Pay no foreign transaction fees
Welcome offer: Earn up to $2,100 in value in the first 14 months, including up to 60,000 bonus Scene+ points. Offer ends October 31, 2025.
Card details
| Interest rates | 9.99% on purchases, 9.99% on cash advances, 22.99% on balance transfers |
| Income required | $12,000 per year |
| Credit score | 760 or higher |
| Point value | 1 Scene+ point = $0.01 when redeemed for travel on any airline or hotel (including Airbnbs). |
Pros
- Includes 10 complimentary airport lounge visits per year through Priority Pass, giving you access to over 1,200 lounges worldwide.
- You only need an annual income of $12,000 to apply, which is quite low for a premium card at this annual price point.
- A very nice (and unusual) additional perk for this card is that it only charges a very low interest rate of 9.99% on purchases, balance transfers and cash advances, which is much lower than most other rewards cards. This makes it appealing for those who may carry a balance.
- One of the few credit cards in Canada that doesn’t charge a foreign transaction fee. That means you’ll save 2.5% on non-Canadian currency purchases.
Cons
- Although 2 points per dollar spent is a good flat rate for everyday spending, the $399 annual fee is steep for a card without any bonus categories.
- American Express still has more limited acceptance than Visa or Mastercard, especially internationally. So the card may not be usable everywhere.
Best airport lounge access card for occasional travel
At a glance: If you find yourself in an airport even just a few times a year, you’ll appreciate that the BMO Ascend World Elite Mastercard offers free membership in the Mastercard Travel Pass program provided by DragonPass, plus four free passes a year.
BMO Ascend World Elite Mastercard
Annual fee: $150
- 5 points per $1 spent on eligible travel purchases
- 3 points per $1 on dining, entertainment, and recurring bill payments
- 1 point per $1 on everything else
Welcome offer: Earn up to 100,000 bonus points ($667 value).
Card details
| Interest rates | Interest rates: 20.99% on purchases, 23.99% on balance transfers, 23.99% on cash advances |
| Income required | Personal income of $80,000 or household income of $150,000 |
| Credit score | 760 or higher |
| Point value | 1 BMO Rewards point = $0.0067 when redeemed for travel. |
Pros
- Comes with free membership in the Mastercard Travel Pass program provided by DragonPass, as well as four free passes a year.
- Solid selection of travel insurance that includes travel medical, trip cancellation/trip interruption insurance, and delayed and lost baggage insurance.
- BMO Rewards has one of the most flexible redemption programs in the country, and you can redeem points for travel purchases without buying from a specific provider.
Cons
- To qualify, you’ll need an annual personal income of $80,000 or a household income of $150,000.
- The card’s base earn rate of 1 BMO point per dollar comes out to a return of 0.67%, which is considerably lower than the 1% return offered by most comparable cards on generic purchases that don’t fall under a bonus category.
Best airport lounge access card for travelling to the U.S.
At a glance: If you frequently cross the border to the U.S. for vacations, work trips or family visits, consider the CIBC Aventura Visa Infinite. The card includes membership in the Visa Airport Companion Program and also gives you four free lounge visits a year. Every four years, you get a statement credit of up to $100 towards a Nexus application fee.
CIBC Aventura Visa Infinite
Annual fee: $139
- 2 points per $1 spent on travel through the CIBC Rewards Centre
- 1.5 points per $1 on gas, groceries and drugstores
- 1 point per $1 on everything else
Welcome offer: Earn up to $1,450 in value, including a first year annual fee rebate.
Card details
| Interest rates | 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers |
| Income required | Personal income of $60,000 or household income of $100,000 |
| Credit score | 760 or higher |
| Point value | 1 point= $0.01 on average. |
Pros
- Includes a free membership to the Visa Airport Companion Program managed by DragonPass, as well as four free lounge visits per year.
- Flexible rewards program that allows you to redeem points for travel, merchandise, gift cards, mortgage payments and more.
- Save up to 10 cents/litre on gas at eligible gas stations if you link your card with Journie Rewards, a loyalty program that helps you earn points at Pioneer, Fasgas, Ultramar and Chevron gas stations.
Cons
- To get the highest earn rate of 2 points for every $1 spent, you must make a travel purchase via the CIBC Rewards Centre.
- The value of points decreases when they’re not used for travel.
- There is an $80,000 cap on the 1.5-point earn rate, after which you’ll only get 1 point per $1 spent on groceries, gas and drugstore purchases.
Our methodology: How we determine the best cards
The MoneySense editorial team selects the best credit cards by assessing the value they provide to Canadians across various categories. Our best credit cards for airport lounge access ranking is based on an extensive list of card details and features—with a focus on those that matter to air travellers—including the number of airport lounge visits, annual fees, interest rates, welcome offers, rewards earn rates and redemption options, annual income requirements and perks. We have also considered the pros and cons of each card to help you determine which ones best suit your financial needs. Our rankings are an unbiased source of information for Canadians. The addition of links from affiliate partners has no bearing on the results. Read more about how MoneySense makes money.
Airport lounge access programs in Canada: a comparison
Wondering which lounges you can actually visit with your lounge passes? The best lounge access credit cards in Canada offer access to one or more of the following airport lounge programs.
| Program | Number of lounges | Credit cards with lounge access | Key details |
|---|---|---|---|
| Air Canada Maple Leaf Lounges | 16 across North America and Europe | Aeroplan co-branded premium credit cards | Maple Leaf Lounges can only be used by customers departing on flights operated by Air Canada, Air Canada Rouge, Air Canada Express or a Star Alliance partner airline. |
| Plaza Premium Lounge | 250+ worldwide | N/A | Available for bookings by the hour, but included in DragonPass and Priority Pass membership. |
| DragonPass | 1,300+ worldwide | World Mastercards, World Elite Mastercards (via the Mastercard Travel Pass program) Visa Infinite, Visa Infinite Privilege cards (via the Visa Airport Companion program) | Includes access to Plaza Premium lounges in Canada, as well as hundreds of different lounge programs worldwide. Cardholders can usually use their free passes for themselves and for a guest, but rules vary by lounge. |
| Priority Pass | 1,600+ worldwide | American Express (via the American Express Global Lounge Collection) | Includes access to Plaza Premium lounges in Canada, as well as hundreds of different lounge programs worldwide. Cardholders can usually use their free passes for themselves and for a guest, but rules vary by lounge. |
| Centurion Lounges | 40+ worldwide | American Express (via the American Express Global Lounge Collection) | Centurion Lounges typically feature high-quality meals and elevated amenities like spa services, nap pods and showers. |
The cost of airport lounge access in Canada
If it’s not offered as a free perk with your credit card, you’ll have to pay for airport lounge access.
Air Canada offers three tiers of Maple Leaf Club memberships. Costs range from $375 to $665 per year. Members can bring guests along at $59 per visit per guest. However, Air Canada has temporarily suspended the sale of memberships to Maple Leaf Club, and there is no indication when it will resume selling them.
Priority Pass memberships range from USD$99 per year for a Standard membership to USD$469 per year for a Prestige membership. The former comes with zero free lounge visits—members pay $USD35 per visit, the same as guests. Meanwhile, Prestige members get unlimited complimentary visits.
The costs of DragonPass memberships are similar: fees range from USD $99 per year for a Classic membership (which includes one free lounge visit) to USD$429 for a Prestige membership (which comes with unlimited lounge access).
For Plaza Premium lounges, you can get a pass for a set number of visits. For example, in Canada, you can buy a five-visit pass for USD$155. Or you book by the hour. The Plaza Premium Lounge at Toronto Pearson Airport, for example, charges $66.68 for a two-hour visit.
If you want free airport lounge access, your options are more limited. First-class passengers may get access as part of their ticket benefits, and Air Canada’s Aeroplan program offers access to Elite members who have reached an eligible status level. For frequent travellers, carrying an airport lounge credit card may be the simplest and most cost-effective way to get this premium perk.
Are airport lounge access credit cards worth it?
Airports have a captive customer base, and they know it: food and beverage prices at airports can border on daylight robbery, and it’s not hard to spend $10 to $40 per person on food and drinks. This alone could justify the cost of lounge access, where food, drinks, and alcohol are complimentary.
If you travel with a lot of carry-on baggage, fly long-haul, or have a long layover, airport lounges are also a much-needed sanctuary where you can freshen up with a shower, catch up on work, or simply take a nap.
Looking at the cost of airport lounge programs mentioned above, each lounge pass included with your credit card could be worth USD$25 on average. So if you know you’ll use them, lounge access credit cards are definitely worth it.
How to choose a lounge access credit card
Wondering which credit card with lounge access offers you the best value? Here are a couple of things to consider when making your choice.
How frequently do you fly? Think about how often you’ll really use the lounge passes that come with a credit card. If you only travel once or twice a year, the 4 passes offered by BMO Ascend World Elite Mastercard or CIBC Aventura Visa Infinite will likely be sufficient. On the other hand, if you fly more than once a month and have plenty of layovers on your trips, a card with unlimited lounge access like the American Express Platinum Card could be well worth the premium.
Does the lounge program match your travel habits? Not all lounges are equal, and having access to more lounges doesn’t mean greater value. For instance, when it comes to DragonPass vs Priority Pass, both memberships include access to the popular Plaza Premium Lounge network as well as more exclusive airline lounges — but access isn’t guaranteed, especially at busy airports or peak travel times.
If you mainly fly with Air Canada and its partners around North America, the TD Aeroplan Visa Infinite Privilege might offer greater comfort with access to Maple Leaf Lounges.
What other travel credit card benefits do you value? A credit card with no foreign transaction fee like the Scotiabank Passport Visa Infinite can save you a tidy sum on overseas purchases, while a card bundled with solid travel insurance protects you against unforeseen travel hiccups.
Frequently asked questions
Several travel credit cards offer access to airport lounges for cardholders. Depending on the credit card, you can get a certain number of lounge visits every year in specific regions or worldwide. If you want free unlimited access to airport lounges, consider a credit card like the American Express Platinum Card which includes the American Express Global Lounge Collection. The card comes with a fairly large annual fee, but the rewards and benefits may outweigh the fee if you’re a frequent flier and value the ability to visit airport lounges when you’re travelling.
Select Mastercards provide membership to the Mastercard Travel Pass program, and some Visa cards offer membership to the Visa Airport Companion Program. Both Visa’s and Mastercard’s airport lounge programs are provided by DragonPass, which features access to over 1,200 lounges worldwide. The American Express Platinum card gives cardholders access to The American Express Global Lounge Collection, the largest lounge collection available. American Express cards are the only credit cards with Priority Pass in Canada.
As airport lounge access is an especially desirable perk, credit card providers generally make it obvious on their websites if they offer airport lounge access. Often, this perk is listed under “travel benefits.” The best way to make sure is to contact your provider directly and ask if it provides airport lounge access, and if any free visits are included. Note that some travel credit cards give a free membership to a lounge program but don’t include any free visits. Lounge visits can cost upwards of USD$32 each, even with a membership.
When it comes to both quantity and quality, the American Express Platinum Card offers the most comprehensive airport lounge access in Canada. For its annual fee of $799, it includes more than 1,400 lounges at more than 500 airports in 140 countries. Cardholders get unlimited access to the American Express Global Lounge Collection, which includes Plaza Premium, Priority Pass, American Express Centurion (which are considered by many to be the most luxurious lounges in the world), and Delta Sky Club lounges, among others. Note also that many of the lounges allow you to bring up to two companions with you at no charge (other lounge access programs typically count guest visits against the cardholder’s allotted free visits).
Without buying a First or Business class air ticket on Air Canada, only premium Aeroplan co-branded credit cards give you access to Air Canada Maple Leaf Lounges. These include the TD Aeroplan Visa Infinite Privilege Card, CIBC Aeroplan Visa Infinite Privilege Card and American Express Aeroplan Reserve Card.
No — credit cards with no annual fee tend to offer only the basic perks, so expect to pay an annual fee to enjoy lounge access. That said, the BMO Ascend World Elite Mastercard currently offers a first year annual fee waiver as part of its welcome offer.
