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Having a card that comes with complimentary lounge access is one of the best perks if you travel often. Capital One offers cards with airport lounge access benefits (Capital One has also gotten into the lounge game). Depending on the card, you can have complimentary access or two one-time visits per year. Here is a look at which cards get you into the Capital One Lounge and partner lounge network.

Inside an airplane cabin.
Inside an airplane cabin.

Capital One Cards With Lounge Access

Here are the cards that come with lounge access. Cards marked with “*” will be affected by the upcoming changes.

EDITOR’S NOTE: Changes are being made to the Capital One Lounge. Here’s what is changing, according to Capital One:

“Effective January 1, 2025, Venture and Spark Miles cardholders will no longer receive complimentary lounge access. You will have 2 complimentary visits to Capital One Lounges or Plaza Premium Lounges to use by December 31, 2024. Venture and Spark Miles cardholders can access Capital One Lounges at a special rate of $45 for themselves and their guests. All other cardholders & non-customers can enter at the standard rate of $65.”

Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card provides full lounge access benefits, while the remaining options only provide one-time passes.

Cardholders and two additional guests can get complimentary year-round access to these networks:

Enrollment is necessary through the Capital One Priority Pass page before cardholders and guests can enter the Priority Pass locations.

This premium travel credit card also offers these other benefits:

  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
  • 10,000 bonus miles on each card anniversary
  • Up to $300 Capital One Travel credit per year
  • Global Entry or TSA PreCheck fee credit (up to $100 every 5 years)
  • 1:1 airline and hotel mile transfers

The annual fee is $395, and up to four authorized users for free. It’s possible for the authorized users and account managers to qualify for complimentary access instead of being one of the primary cardholder’s two additional guests.

New Capital One Venture X Rewards Credit Card cardmembers can be eligible for a 75,000 miles signup bonus after spending $4,000 within the first 3 months. Read more in our Capital One Venture X Rewards Credit Card review.

Capital One Venture X Business

The Capital One Venture X Business is the business version of the Venture X. Overlapping travel benefits include complimentary airport lounge access and an annual $300 Capital One Travel credit. However, unlike the consumer version, it’s a pay-in-full charge card that can provide more flexibility with your spending power.

Earn Capital One Miles that you can combine with your Venture Miles or other Spark Miles accounts to book award travel. Or, redeem your miles as a travel statement credit. All Capital One Venture X Business card purchases earn 2x miles per $1. Or, booking with Capital One Travel can earn 10x on hotels and car rentals and 5x on flights. You will earn unlimited miles on all purchase categories.

Additionally, get 10,000 bonus miles beginning on the first card anniversary.

New Capital One Venture X Business cardholders can earn 150,000 bonus miles after spending $30,000 in the first 3 months from account opening.

There is a $395 annual fee, but it can be offset with the annual travel credit.

Capital One Venture Rewards Credit Card*

If you only need periodic lounge access, the Capital One Venture Rewards Credit Card can fit the job description.

The primary account receives two one-time passes each year that can be redeemed at:

  • Capital One Lounge
  • Plaza Premium Lounge

While these two networks are relatively small, they provide additional options when going to the more ubiquitous Priority Pass isn’t on the table.

You should also consider using the Venture Rewards when you can use these other benefits:

  • Earn 5x miles on hotels and car rentals booked through Capital One Travel
  • Earn 2x miles on all remaining purchases
  • Free Global Entry or TSA PreCheck (up to $100 every 5 years)
  • Hertz FiveStar status
  • 1:1 point transfers to airlines and hotels
  • No foreign transaction fee

The annual fee is $95, and adding authorized users is free.

Our Capital One Venture Rewards Credit Card review has further details.

Capital One Spark Miles for Business*

The Capital One Spark Miles for Business offers two one-time passes each year to:

  • Capital One Lounge
  • Plaza Premium Lounge

This is the only Capital One small business credit card to offer lounge benefits so far. Unfortunately, it doesn’t provide complimentary Priority Pass lounge access.

Learn more: Business Credit Cards

Your other travel and business benefits include the following:

  • 5x on hotels and car rentals booked through Capital One Travel
  • 2x on all remaining purchases
  • 1:1 airline and hotel point transfers
  • Free Global Entry or TSA PreCheck (up to $100 every 5 years)
  • No foreign transaction fees

You may also be able to reserve stays within the Capital One Premier Collection, which is this card issuer’s portfolio of luxury hotels and resorts.

Additionally, the card also offers an introductory $0 annual fee for the first 12 months and then renews at $95. Additional employee cards are free.

Its signup bonus is the ability to earn 50,000 miles after spending $4,500 within the first 3 months.

Here are the Capital One Spark Business Cards approval odds.

Summary of Which Capital One Cards Come with Lounge Access

In conclusion, these three Capital One travel credit cards help leisure and business travelers enjoy complimentary airport lounge access at least twice a year. The Venture X Rewards is the best overall option. It’s also one of the best credit cards for airport lounge access, as you can get unlimited access to multiple networks.

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