Which credit cards with lounge access in Canada are the best? Our list breaks down the best rewards credit cards for your spending habits.
When you think of travel rewards credit cards, you probably think of their main benefit – earning rewards from daily spending and being able to redeem them for free travel, merchandise, and other perks. Credit cards with lounge access are less common. They offer a worthwhile perk, especially for those who value having a peaceful oasis in the midst of a busy airport.

You can take advantage of many perks offered by airport lounges, including:

  • Free WiFi
  • Washroom facilities that may include showers
  • Complimentary snacks and beverages
  • Phone and laptop charging stations
  • Comfortable chairs for lounging while waiting for your flight

You can access these lounges without a membership by paying a per-use fee, or by choosing a rewards credit card that offers free airport lounge access, like the ones listed below.

Comparison of the Best Credit Cards with Lounge Access in Canada

Credit CardBest ForLounge ProgramAirport Lounge AccessMore Info
Scotiabank Passport™ Visa Infinite* CardBest Overall Credit Card with Lounge AccessPriority Pass6 free visits annuallyLearn more
Scotiabank®* Platinum American Express® cardBest for Priority Pass Lounge AccessPriority Pass10 free visits annually, 4 visits for supplementaryLearn more
BMO® World Elite®* Mastercard®*Best for Mastercard Airport Experiences by LoungeKeyMastercard Airport Experiences by LoungeKey4 free visits annuallyLearn more
TD® Aeroplan® Visa Infinite* Credit CardBest Aeroplan Credit Card with Lounge AccessAir Canada Maple Leaf Lounge™1 free annual visitLearn more
The Platinum Card®Best For Unlimited Lounge Access WorldwideAmerican Express Global Lounge CollectionUnlimited passes worldwideLearn more

Scotiabank Passport™ Visa Infinite* Card: Best Overall Credit Card with Lounge Access

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Voted the #1 travel points credit card in 2019 by Rewards Canada, the Scotiabank Passport™ Visa Infinite* Card is our choice for the best overall credit card with lounge access in Canada. This card comes with a complimentary Priority Pass Lounge membership (worth $130 CAD) plus six free visits per year (approximately $254 CAD value).

Other perks include comprehensive travel insurance, Visa Infinite Benefits, and no foreign transaction fees on purchases made online or outside of Canada.

It also offers plenty of points-earning potential. When using this credit card, you’ll earn 2 Scotia Rewards points per $1 spent on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including taxis, buses, and subway tokens), and 1 Scotia Rewards point per dollar spent on everything else.

As a welcome offer, you can earn up to 40,000 bonus Scotia Rewards points in your first year – that’s up to $400 towards travel. All things considered, the annual fee of $139 is entirely justified.

The Details:

  • Annual Fee: $139
  • Minimum Income Eligibility: $60,000 personal income or $100,000 household annual income or at least $250,000 in assets under management
  • Credit Score Required: Good to Excellent
  • Welcome Offer: Up to 40,000 bonus Scotia Rewards points in your first year
  • Additional benefits: Priority Pass membership + 6 free visits, no foreign transaction fees, travel insurance
  • Purchase APR: 19.99% | Cash Advance APR: 22.99%
Learn more about the Scotiabank Passport™ Visa Infinite* Card

Scotiabank®* Platinum American Express® card: Best for Priority Pass Lounge Access

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The Scotiabank®* Platinum American Express® card is an excellent airport lounge access credit card. Yes, it has a steep $399 annual fee, but you’ll receive a complimentary Priority Pass membership (worth $130 CAD) plus 10 free visits per year (valued at approximately $420 CAD) to any Priority Pass lounge in the world.

Plus, any purchases charged the Scotiabank®* Platinum American Express® card will earn you points. You’ll earn 4 Scotia Rewards points per dollar spent at eligible gas stations, grocery stores, restaurants, and entertainment, and 1 Scotia Rewards point per dollar spent everywhere else.

On top of that, you’ll earn 30,000 bonus Scotia Rewards points after making your first purchase on this credit card within two months.

The Details:

  • Annual Fee: $399
  • Income eligibility requirement: $12,000 personal income
  • Credit score required: Good – Excellent
  • Earn Rate: 4 points per dollar spent at gas stations, grocery stores, dining, and entertainment; 1 point per dollar spent on everything else
  • Welcome offer: 30,000 bonus Scotia Rewards points upon first purchase
  • Additional benefits: Complimentary Priority Pass lounge access, 24/7 concierge, American Express Invites, Hertz #1 Club Gold Membership, travel insurance
  • Purchase APR: 19.99% | Cash Advance APR: 22.99%
Learn more about the Scotiabank®* Platinum American Express® card

BMO® World Elite®* Mastercard®*: Best for Mastercard Airport Experiences by LoungeKey

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The BMO® World Elite®* Mastercard®* has a high minimum income requirement of $80,000, but if you fall into that bracket, it’s a card worth considering.

For starters, this card offers a complimentary membership to Mastercard Airport Experiences by LoungeKey with four complimentary passes to over 1,000 lounges in 120 countries worldwide. That has a value of $140/year! It also comes with travel insurance, extended warranty, and purchase protection.

The BMO® World Elite®* Mastercard®*also has a strong rewards program. You’ll earn 3 BMO Rewards points for every dollar spent on travel, dining and entertainment, and 2 points per dollar on everything else. At these rewards rates, it’s easy to rack up enough points to book your next flight free using points racked up with daily spending.

As a welcome bonus, you’ll earn 40,000 bonus points and get the annual fee waived for the first year – a $575 value.

The Details:

  • Annual Fee: $150
  • Income eligibility requirement: $80,000 per year individual or $150,000 per year household
  • Credit score required: Good to Excellent
  • Earn Rate: 3 points per dollar spent on travel, dining, and entertainment; 2 points per dollar spent on everything else
  • Welcome offer: 40,000 points and annual fee waived in the first year
  • Additional benefits: Membership to Mastercard Airport Experiences by LoungeKey, travel insurance, Cirque du Soleil discounts
  • Purchase APR: 19.99%| Cash Advance APR: 22.99%
Learn more about the BMO® World Elite®* Mastercard®*

TD® Aeroplan® Visa Infinite* Credit Card: Best Aeroplan Credit Card with Lounge Access

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The TD® Aeroplan® Visa Infinite* Card is one of the best Aeroplan credit cards, offering a lucrative welcome bonus of 15,000 Aeroplan Miles when you make the first purchase on your card1 and potential to earn Aeroplan miles with every dollar spent (1.5 Aeroplan miles per dollar on eligible groceries, gas, drugstore, and AirCanada.com purchases; 1 Aeroplan Mile per dollar spent on all other purchases made with card). Plus, if you apply by September 8, 2020, get annual fee rebate your first year for both the primary and first additional cardholder.

Cardholders receive one annual, one-time pass to an Air Canada Maple Leaf Lounge™, which is a bit disappointing compared to the competition. Redemption also has some conditions: you must be traveling on a flight operated by Air Canada, Air Canada Rouge, or under the Air Canada Express banner, and you must have booked your flight using Aeroplan Miles.

However, if you’re an avid Aeroplan collector, the benefits of this card may cancel out the lack of lounge access. Aside from earning Miles, it comes with plenty of perks, such as comprehensive travel insurance, 24-hour concierge services, discounts on car rentals at participating Avis and Budget Rent-a-Car locations.

You’ll also enjoy Air Canada benefits, such as a first checked bag free, priority check-in, and priority boarding. For this reason, the TD® Aeroplan® Visa Infinite* Card is worth considering.

The Details:

  • Annual Fee: $120 (first-year annual fee rebate if you apply by September 8, 2020)
  • Income eligibility requirement: $60,000 per year individual or $100,000 per year household
  • Credit score required: Good – Excellent
  • Welcome offer: 15,000 Aeroplan Miles (Conditions apply. Must apply by September 8, 2020.)
  • Earn Rate: 1.5 Aeroplan Miles per $1 spent on eligible groceries, gas, drugstore, and AirCanada.com purchases; 1 Aeroplan Mile per $1 spent on all other purchases made with card
  • Additional benefits: One pass to Maple Leaf Lounges each year, car rental discounts, travel insurance, Air Canada benefits
  • Purchase APR: 19.99%| Cash Advance APR: 22.99%
Learn more about the TD® Aeroplan® Visa Infinite* Card

*This offer is not available for residents of Quebec. For Quebec residents, please click here. 


The Platinum Card®: Best For Unlimited Lounge Access Worldwide

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The Platinum Card® from American Express is the card to pick if you’re a frequent traveller who needs regular lounge access. This premium credit card offers unlimited access to the American Express Global Lounge Collection – meaning you can enjoy over 1,200 lounges across 130+ countries, including the Centurion Lounge network, Plaza Premium Lounges, Delta Sky Club Lounges, Priority Pass Lounges and more.

Beyond this hefty lounge access perk, The Platinum Card® is an outstanding travel rewards credit card, offering cardholders the following:

  • Earn up to 3 points for every $1 in eligible card purchases
  • Earn 1 additional Membership Rewards® point for every $1 you charge to your Platinum Card on eligible hotel or car rental bookings made with American Express Travel
  • Receive a $200 Annual Travel Credit that can be used towards any single travel booking of $200 or more charged to your Platinum Card through American Express Travel Online or through Platinum Card® Travel Service.
  • Includes comprehensive travel insurance

As if that’s not enough, new cardholders receive a welcome bonus of up to 60,000 Membership Rewards® points.

How it works: you receive 50,000 points after spending $3,000 in purchases in the first 3 months, and then an additional 10,000 points after six months of card membership. That’s enough to redeem for a $600 statement credit towards eligible travel purchases charged to the card! Adding up all these card perks, the $699 annual fee doesn’t seem quite as steep.

Special Promotion: American Express recently announced double the rewards and points on The Platinum Card®. Until July 20, 2020, cardholders earn double rewards points on all card purchases; and if you choose to pay (or partially pay) for any purchase charged to your Platinum Card with points through the Use Points for Purchases program, you’ll reap twice the value. For instance, you’ll earn 6 points per $1 spent on eligible restaurant and food delivery services, which works out to a whopping 12% cash back. That’s an enticing deal.

The Details:

  • Annual Fee: $699
  • Income eligibility requirement: N/A
  • Credit score required: Good to Excellent
  • Earn Rate: 3 points per dollar spent on dining, 2 points per dollar spent on travel, 1 point per dollar spent on everything else, $200 annual travel credit
  • Welcome Offer: Up to 60,000 Membership Rewards® points
  • Additional benefits: Access to American Express Global Lounge Collection, premium benefits at Pearson airport, access to hotel and rental car loyalty programs, access to special events
  • Purchase APR: 30% | Cash Advance APR: 22.99%
Learn more about the The Platinum Card®.

The Verdict: What is the Best Airport Lounge Credit Card?

Airport lounge access is one of the perks you might not think about when evaluating travel rewards credit cards. But for frequent flyers, it is a benefit that can turn an airport experience from stressful to enjoyable.

Also, lounge access can be a business essential if you need strong WiFi and a quiet, comfortable workspace for a few hours.

If you’re considering signing up for credit cards with airport lounge access in Canada, any of the credit cards outlined above are a good choice.

But our top choice is the award-winning Scotiabank Passport™ Visa Infinite* Card because it offers good value: an affordable annual fee with generous lounge access, a lucrative welcome bonus, and a slew of travel perks.

However, before you apply for any travel reward credit card, compare what they each offer carefully and consider how they might work with your spending habits. Still undecided?

Check out the best travel rewards credit cards in Canada and see what they have to offer before pulling the trigger.

This post was not sponsored. The views and opinions expressed in this review are purely my own.

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