8 Best Airport Lounge Access Credit Cards In Canada (Oct 2022)

September 14, 2022
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There are quite a few good credit cards that offer airport lounge access out there, but some stand out above the rest for their high promotional point earn rates, complimentary concierge services, and discounts on travel purchases. I make my recommendations below based on years of experience travelling.

I recommend the American Express Business Platinum Card as Canada's #1 credit card with airport lounge access. It offers premium travel perks, comprehensive insurance, and access to the American Express Global Lounge Collection, the Centurion Lounge network, the Plaza Premium Lounges, and more.

What Is A Credit Card With Airport Lounge Access?

Credit cards with airport lounge access are a type of travel credit card that allows you to access exclusive airport lounges worldwide. Many airport lounge programs operate in Canada and worldwide, including Air Canada Maple Leaf Lounge, American Express Global Lounge Collection, Priority Pass, and LoungeKey. Usually, these cards offer between 4 to 6 free visits to airport lounges every year.

Depending on your card and their partnerships with other lounge programs,  you may access some or all airport lounges when you travel. These credit cards require a good-to-excellent credit score (660+) and usually have hefty annual fees ranging from $150-$700. Still, they make up for it with generous welcome bonuses and excellent travel benefits. Some of the benefits you can expect from these include exclusive hotel stays and room upgrades, access to the priority lane in airports, discounts on fares, and comprehensive health and travel insurance.

Without further ado, here are the best credit cards with airport lounge access Canada has to offer:

The Best Credit Cards With Airport Lounge Access In Canada

  1. American Express Business Platinum Card: Best for welcome bonus and lounge access worldwide
  2. American Express Gold Rewards Card: Best for complimentary Priority Pass membership
  3. American Express Platinum Card: Best for earning MR points
  4. American Express Aeroplan Reserve Card: Best for hotel room upgrades
  5. BMO Ascend World Elite Mastercard: Best for complimentary Mastercard Travel Pass membership
  6. BMO Eclipse Visa Infinite Privilege Card: Best for access to priority security lane & priority boarding
  7. Scotiabank Passport Visa Infinite Card: Best for no foreign transaction fees
  8. Scotiabank Gold American Express Card: Best for low annual fee

American Express Business Platinum Card

Great for travel & medical insurance and free no-interest days every year
  • Annual Fee
    $499
  • Interest Rate
    19.99% on purchases
  • Welcome Bonus
    110,000 MR points
  • Rec. Credit Score
    760+
  • Features & Benefits

    • Earn 110,000 Membership Rewards points as a welcome bonus when you spend $7,000 within the first 3 months
    • Your credit card limit increases the more you use your card, as long as you make your payments on time
    • 55 Interest free days every year
    • Choose from two payment options: Flexible Payment Option and Due In Full
    • Full access to the American Express Global Lounge Collection, the Centurion Lounge network, the Plaza Premium Lounges, and more
  • Pros & Cons

    Why we like it

    Great for travel & medical insurance and free no-interest days every year

    Pros

    • 110,000 MR bonus
    • Earn 1.25 MR points per $1 spent and transfer between Aeroplan and Avios (1:1)
    • Access to over 1,300 American Express lounges worldwide
    • Discount on fares when scheduling through the International Airline Program
    • Travel accident and emergency insurance
    • Get up to 55 interest free days every year

    Cons

    • Low earn rate compared to other cards
    • High annual fee
  • More Details

    Bonuses and fees

    The American Express Business Platinum Card is a premium travel card geared for business owners and it comes with generous statement credits towards purchases and travel. It has an annual fee of $499 and a credit score minimum requirement of 760.

    Rewards

    You can earn MR points at a rate of:

    • 5 MR points per $1 spent on flights and hotels
    • 1.5 MR points per $1 spent at electronic retailers, software providers, and more
    • 1.5 MR points per $1 on eligible purchases over $5,000 (up to a maximum of $2 million spent per year)
    • 1 MR point per $1 spent everywhere else

    Additionally, you will receive a statement credit of:

    • $400 towards Dell Technologies purchases
    • $360 towards Indeed purchases
    • $150 towards Adobe purchases
    • $120 towards Wireless Credit purchases

    Perks and benefits

    • Access to the American Express Global Lounge Collection
    • Pick an airline and get a $200 credit towards baggage fees per year
    • 35% points back when using your points towards eligible flights (maximum 1 million points back per year)
    • Exclusive access to the Fine Hotels + Resorts program

    Insurance

    Like most American Express cards, the Platinum Card offers very complete coverage:

    • Emergency medical insurance
    • Flight delay & trip cancellation insurance
    • Lost or stolen baggage insurance
    • Mobile device coverage
    • $500,000 travel accident insurance

American Express Gold Rewards Card

Great for high earn rate at eligible eats & drinks, and medical & travel insurance
  • Annual Fee
    $250
  • Interest Rate
    20.99% on purchases, 21.99% on cash advanes
  • Welcome Bonus
    50,000 pts
  • Rec. Credit Score
    660+
  • Features & Benefits

    • Earn 50,000 Membership Rewards points as a welcome bonus after you spend $3,000 within 3 months
    • Earn 20,000 Membership Rewards points as a welcome bonus after you spend $2,000 on eligible eats & drinks purchases
    • Annual $100 Travel Credit
    • Gold Rewards membership
    • Priority Pass membership and 4 complimentary visits to Plaza Premium Lounges in Canada
  • Pros & Cons

    Why we like it

    Great for high earn rate at eligible eats & drinks, and medical & travel insurance

    Pros

    • 50,000 bonus welcome points
    • Earn 10 points for every $1 on eats & drinks purchases for the first 3 months
    • Transfer points 1:1 to other loyalty programs (Aeroplan, Marriot Bonvoy, and more)
    • Comprehensive travel and medical insurance
    • $100 Travel Credit and 4 complimentary visits to Plaza Premium Lounges
    • Complimentary Priority Pass membership

    Cons

    • High annual fee ($250)
    • $50 to request an additional Gold Rewards Card
  • More Details

    Bonuses and fees

    The American Express Gold Rewards Card is a premium travel card with an annual fee of $250. For the first three months, it offers a very generous earn rate of 10 MR points per $1 spent on eats & drinks, for up to $2,000 spent (20,000 points). To apply for this card, you need a good credit score of at least 660 and there is no minimum annual income requirement.

    Rewards

    You can earn MR points at a rate of:

    • 10 MR points per $1 spent on eats & drinks (promotional rate for the first three months)
    • 2 MR points per $1 spent on travel-related purchases
    • 2 MR points per $1 spent on groceries, gas, and drugstores
    • 1 MR point per $1 on all other purchases
    • 1 MR bonus point on Amex Travel Online bookings

    Perks and benefits

    • 1 free additional card 
    • Access to American Express’ Front Of The Line program and American Express Experiences
    • Worldwide Airport Lounge Access
    • Complimentary $100 Annual Travel Credit

    Insurance

    The American Express Gold Rewards Card’s got you covered in most insurance categories:

    • Emergency medical insurance
    • Flight delay and cancellation insurance
    • Lost or stolen baggage insurance
    • Travel emergency assistance
    • $500,000 travel accident insurance

American Express Platinum Card

Great for high earn rate at eligible eats & drinks and the option to transfer points to other programs
  • Annual Fee
    $699
  • Interest Rate
    20.99% on purchases
  • Welcome Bonus
    90,000 MR points
  • Rec. Credit Score
    760+
  • Features & Benefits

    • Earn 90,000 Membership Rewards points after you spend $6,000 within your first 3 months
    • Earn 20,000 Membership Rewards points after spending $2,000 at eligible eats & drinks purchases within your first 3 months
    • Full access to the American Express Global Lounge Collection, the Centurion Lounge network, the Plaza Premium Lounges, and more
    • Redeem your points through American Express Travel Online, the Flexible Points Travel Program, or the Fixed Points Travel Program
    • Transfer your points to other reward programs: Marriott International, Hilton Hotels and Resorts, Radisson Hotel Group Americas, Hertz and Avis
  • Pros & Cons

    Why we like it

    Great for high earn rate at eligible eats & drinks and the option to transfer points to other programs

    Pros

    • 90,000 bonus welcome points
    • Earn 10 MR points per $1 spent on eligible eats & drinks purchases
    • Access to over 1,300 American Express lounges worldwide
    • Transfer MR points between Aeroplan and Avios (1:1)
    • Comprehensive travel and medical insurance
    • Travel accident and emergency insurance

    Cons

    • High annual fee
    • Needs a good credit score (660+)
  • More Details

    Bonuses and fees

    The American Express Platinum Card is a premium credit card with one of the highest annual fees, set at $699. It requires an excellent credit score of at least 760 to apply. This card offers a promotional earn rate of 10 MR points per $1 spent on eligible eats & drinks for your first three months. 

    Rewards

    You can earn MR points at a rate of:

    • 3 MR points per $1 on eats & drinks, dining, and food deliveries
    • 2 MR points per $1 spent on travel-related purchases (flights, hotels, and more)
    • 1 MR point per $1 spent on everything else
    • 1 additional point per $1 spent on eligible hotels or car rentals

    Perks and benefits

    • Access to presale tickets through Amex’s Front Of The Line program
    • Complimentary membership to Hilton Honors Gold Status and Marriot Bonvoy Gold Elite status
    • Exclusive access to American Express Experiences (entertainment, dining, retail)
    • Enroll for NEXUS and get a $100 rebate 
    • Special offers when booking travel through American Express Travel Online
    • Priority lane at the Toronto Pearson International Airport

    Insurance

    Like most American Express cards, the Platinum Card offers very complete coverage:

    • Emergency medical insurance
    • Flight delay & trip cancellation insurance
    • Lost or stolen baggage insurance
    • Mobile device coverage
    • $500,000 travel accident insurance

American Express® Aeroplan® Reserve Card

Great for high earn rate at eligible eats & drinks, access to lounges, and priority travel perks
  • Annual Fee
    $599
  • Interest Rate
    19.99% on purchases, 21.99% on cash advances
  • Welcome Bonus
    60,000 Aeroplan points
  • Rec. Credit Score
    660+
  • Features & Benefits

    • Earn 60,000 Aeroplan points as a welcome bonus after spending $6,000 within your first 6 months
    • Earn 20,000 Aeroplan bonus points after spending $2,000 at eligible eats & drinks purchases within your first 6 months
    • Earn 30,000 Aeroplan bonus points if you spend at least $1,000 each month (5,000 Aeroplan points per month)
    • Unlimited free deliveries 5% discount on partner restaurants when you spend over $15
    • Hotel Room Category Upgrade on the first and last night
    • Worldwide Companion Pass when you spend over $25,000 in a year
  • Pros & Cons

    Why we like it

    Great for high earn rate at eligible eats & drinks, access to lounges, and priority travel perks

    Pros

    • 60,000 bonus welcome points
    • High earn rate of 10 Aeroplan points per $1 on eligible eats & drinks
    • Priority Check-In, Boarding, and Baggage Handling when flying Air Canada
    • Access to Air Canada Maple Leaf Lounges and Café for you and a guest
    • 15% discount on parking rates
    • Earn 3 points per dollar spent with Air Canada and Air Canada Vacations

    Cons

    • High annual fee
    • You can only earn Aeroplan points
  • More Details

    Bonuses and fees

    The American Express Aeroplan Reserve Card is a premium travel card with a $599 annual fee, and a credit score of at least 725 is recommended when applying for this card. For the first three months after receiving your card, you will earn Aeroplan points at a rate of 10 points per $1 spent on eats & drinks, up to a maximum of 20,000 Aeroplan points ($2,000 spent).

    Rewards

    You can earn Aeroplan points at a rate of:

    • 3 Aeroplan points per $1 spent on Air Canada
    • 2 Aeroplan points per $1 spent on eats & drinks and food deliveries
    • 2 Aeroplan points per $1 spent at Rocky Mountaineer rail-tours
    • 1.25 Aeroplan points per $1 spent everywhere else

    Perks and benefits

    • Enroll in NEXUS and get a $100 rebate
    • Access to Maple Leaf Lounges a
    • Priority Check-in and Priority Boarding when flying Air Canada
    • Annual Worldwide Companion Pass if you spend at least $25,000 in a year

    Insurance

    Like most American Express cards, the Aeroplan Reserve offers comprehensive travel and medical coverage:

    • Emergency medical insurance
    • Flight delay & trip cancellation insurance
    • Lost or stolen baggage insurance
    • Mobile device coverage
    • $500,000 travel accident insurance

BMO Ascend World Elite Mastercard

Great for travel perks and bonus points on all travel-related purchases
  • Annual Fee
    $150 (1st year free)
  • Interest Rate
    20.99% on purchases, 23.99% on cash advances
  • Welcome Bonus
    70,000 pts
  • Rec. Credit Score
    760+
  • Features & Benefits

    • Earn 70,000 points as a welcome bonus on your first year
    • Annual fee waived for the first year
    • Mastercard Travel Pass membership
    • Cover all flight charges and taxes using your points
    • Access to BMO Concierge services and Mastercard Travel Rewards when travelling abroad
  • Pros & Cons

    Why we like it

    Great for travel perks and bonus points on all travel-related purchases

    Pros

    • 70,000 bonus welcome points
    • Earn 5 BMO Rewards points per $1 spent on eligible travel purchases
    • Complimentary Mastercard Travel Pass membership (4 free passes/year) & BMO Concierge services
    • Earn 3 BMO Rewards points per $1 spent on dining, entertainment, and recurring bills
    • Annual fee is completely waived for the first year
    • Comprehensive travel and medical insurance for up to $2 million

    Cons

    • Requires a minimum yearly income of $80,000
    • Needs an excellent credit score (760+)
  • More Details

    Bonuses and fees 

    The BMO Ascend World Elite Mastercard is a premium travel card with an annual fee of $150 (waived for the first year for new cardholders). To apply for this card, you need an excellent credit score of at least 760, plus an annual income of $80,000 or more. It comes with a free Mastercard Travel Pass membership, medical coverage, and more.

    Rewards

    With this card, you can earn points on all purchases, but some categories offer better rates:

    • 5 points per $1 spent on travel-related purchases
    • 3 points per $1 spent on entertainment, dining, and subscriptions & recurrent purchases
    • 1 point per $1 spent everywhere else

    You can redeem your BMO Ascend World Elite Mastercard points for:

    • Flights, hotels, vacation packages, and transportation
    • Contributions to your BMO Savings or Investment account
    • Directly use your points to pay for eligible purchases

    Perks and benefits

    • Complimentary Concierge services
    • 25% off at partner rentals National Car Rental and Alamo Rent A Car locations
    • Complimentary access to the Boingo Wi-Fi network worldwide
    • Zero liability policy

    Insurance 

    The BMO Ascend World Elite Mastercard lives up to its name and offers comprehensive travel and medical insurance, including:

    • Baggage delay and loss insurance
    • Flight delay insurance
    • Car rental insurance
    • Travel accident insurance
    • Medical emergency insurance
    • Roadside Assistance program

BMO Eclipse Visa Infinite Privilege Card

Great for earn rate
  • Annual Fee
    $499
  • Interest Rate
    20.99% on purchases, 23.99% on cash advanes
  • Welcome Bonus
    90,200 pts
  • Rec. Credit Score
    760+
  • Features & Benefits

    • Earn 90,000 points as a welcome bonus for your first year
    • Earn a $200 annual lifestyle credit as a welcome bonus
    • Add an authorized used and earn 25% bonus points
    • Redeem your points to pay for purchases
    • Complimentary Visa Airport Companion membership plus complimentary lounge visits
    • Access to Visa Airport Experiences, Visa Infinite Dining Series, and Visa Infinite Wine Country
  • Pros & Cons

    Why we like it

    Great for earn rate

    Pros

    • 90,200 bonus welcome points
    • Earn 5 BMO Rewards points per $1 spent on groceries, gas, and transit
    • Earn 25% more BMO Reward points when you add an authorized user
    • Car rental & mobile device insurance (for up to $1,000)
    • Comprehensive travel and medical insurance
    • Access to Priority Security Lane on airports and valet services discounts

    Cons

    • Very high annual fee ($499)
    • Needs an excellent credit score (760+)
  • More Details

    Bonuses and fees 

    The BMO Eclipse Visa Infinite Privilege is a premium travel card with an annual fee of $499. To apply, cardholders need to provide proof of an income of at least $150,000 and have an excellent credit score of at least 760. 

    Rewards

    With this card, you can earn points on every purchase. Here are the rates:

    • 5 points per $1 spent on groceries, gas, dining, travel, and drugstores
    • 1 point per $1 spent everywhere else

    Perks and benefits

    • 25% bonus points when you add an authorized user to your account
    • $200 annual travel credit
    • Priority Security Lane and Priority Boarding
    • 6 complimentary airport lounge visits per year
    • Access to the Visa Infinite Luxury Hotel Collection and Visa Infinite Concierge

    Insurance 

    Some of the insured categories include:

    • Flight delay insurance 
    • Baggage insurance
    • Emergency medical insurance
    • Mobile device insurance
    • Car rental collission

Scotiabank Passport Visa Infinite Card

Great for complimentary airport lounge access and comprehensive medical and travel insurance
  • Annual Fee
    $139
  • Interest Rate
    19.99% on purchases, 22.99% on cash advances
  • Welcome Bonus
    25,000 Scene+ points
  • Rec. Credit Score
    660+
  • Features & Benefits

    • Earn 35,000 bonus Scene+ points in your first year as a welcome bonus
    • No foreign transaction fee
  • Pros & Cons

    Why we like it

    Great for complimentary airport lounge access and comprehensive medical and travel insurance

    Pros

    • 25,000 Scene+ points bonus
    • No foreign exchange fees when purchasing abroad or online
    • Earn 2x Scene+ points per $1 spent at grocery stores, restaurants, and daily transit
    • Waive interest rates on purchases over $100 when using Scotia SelectPayTM
    • 6 complimentary airport lounge access per year (over 1,300 lounges to choose from)
    • Comprehensive travel and medical insurance

    Cons

    • High annual fee
    • Requires a minimum yearly income of $60,000
  • More Details

    Bonuses and fees 

    The Scotiabank Passport Visa Infinite Card is a premium travel credit card with an annual fee of $139. To apply for this card, you need a good credit score of at least 660 and a minimum income of $60,000. This card doesn’t charge transaction fees (on purchases abroad or online) and offers useful travel perks for frequent travellers.

    Rewards

    When you use this card to make purchases, you will earn Scene+ points at a rate of:

    • 2 Scene+ points per $1 spent on groceries, dining, entertainment, and transit
    • 1 Scene+ point per $1 spent on all other purchases

    There’s no limit to how much cash back you can earn in a year, and your points will not expire as long as your account is in good standing.

    Perks and benefits

    Some additional benefits include:

    • No foreign transaction fees
    • Complimentary access to airport lounges (6 per year)
    • Book travels directly from the Scene+ Travel portal
    • Complimentary Avis car rental membership plus 25% discount on car rentals
    • Access to the Visa Infinite Concierge, Hotel, and Dining and Wine programs

    Insurance

    • Flight delay insurance & trip interruption insurance
    • Travel emergency medical insurance
    • Car rental collision insurance
    • Car rental collission
    • Hotel/motel burglary insurance
    • Extended warranty protection

Scotiabank®* Gold American Express® Card

Great for generous welcome bonus and high earn rate on Scene+ points
  • Annual Fee
    $120
  • Interest Rate
    19.99% on purchases, 22.99% on cash advances
  • Welcome Bonus
    45,000 pts
  • Rec. Credit Score
    660+
  • Features & Benefits

    • Earn 45,000 bonus Scene points as a welcome bonus in your first year
    • No foreign transaction fees
    • Shop online and abroad, only only the exchange rate applies
  • Pros & Cons

    Why we like it

    Great for generous welcome bonus and high earn rate on Scene+ points

    Pros

    • 45,000 bonus welcome points
    • No foreign exchange fees when purchasing abroad or online
    • Earn 5x Scene+ points per $1 spent at grocery stores, restaurants, and food deliveries
    • Access to presale tickets and VIP seating in select events through American Express' Front Of The Line program
    • Comprehensive travel and medical insurance
    • No annual income requirement to apply for the card

    Cons

    • Needs a good credit score (660+)
    • It isn't as widely accepted in Canada as Visa or Mastercard
  • More Details

    Bonuses and fees

    The Scotiabank Gold American Express Card has an annual fee of $120 (completely waived for the first year). If you find yourself travelling abroad often or making online purchases, this card might be for you. It doesn’t charge any kind of foreign transaction fee, and it is accepted everywhere the American Express network is supported.

    Perks and Benefits

    With this card, you can earn Scene+ points on all purchases, and It has all the benefits you can expect from an Amex card; here’s the breakdown:

    • 5 Scene+ points per $1 spent on groceries, restaurants, food delivery, entertainment, movies, and ticket agencies
    • 3 Scene+ points per $1 spent on transit, including subway, taxis, buses, and streaming services subscriptions
    • 1 Scene+ point per $1 on all other purchases
    • Access to presale tickets through Amex’s Front Of The Line program
    • Complimentary concierge service
    • Access to airport lounges and invites to exclusive events

    Redeeming Your Rewards

    Redeeming with the Scotiabank Gold Amex card is very easy – you can book flights and exchange your points at any time through the Scene+ Travel portal. You will need to create a Scene+ Travel account to start browsing through all the offers and destinations.

    Insurance

    The Scotiabank Gold American Express Card offers comprehensive insurance that includes both travel and medical coverage. Here are the supported categories:

    • Travel emergency medical insurance
    • Trip delay or cancellation insurance
    • Delayed or lost baggage insurance
    • Rental car insurance
    • Hotel/motel burglary insurance

Pros & Cons Of Airport Lounge Credit Cards

Pros: Why A Airport Lounge Credit Card May Be Worth It

  • Avoid crowds and wait comfortably for your flight
  • Drinks, snacks, and dining at no additional cost
  • Access a workspace complete with PCs, and high-speed wifi
  • Lounges are available worldwide in most large airports

Cons: Why An Airport Lounge Credit Card May Not Be Worth It

  • Credit Card with Airport Lounge access usually requires a good-to-excellent credit score (700+)
  • High annual fees – if you don’t travel frequently you will miss out on most benefits and end up losing money

Types Of Airport Lounge Credit Cards In Canada

#1 American Express Global Lounge Collection

The American Express Global Lounge Collection provides access to over 1,200 airport lounges in 500 airports worldwide. All you need to do is show your Platinum Card, and you can enter the Centurion Lounges, International American Express Lounges, Plaza Premium Airport Lounges, Priority Pass lounges, and more.

#2 Priority Pass

Priority Pass is a lounge program by the Collinson Group, and it provides members access to over 1,300 lounges in over 600 cities worldwide. These passes come as a complimentary bonus of some travel credit cards, and some of the best features include discounts on airport purchases, shopping, dining, and spa experiences. 

#3 Mastercard Airport Experiences provided by LoungeKey

Through its partnership with LoungeKey, Mastercard offers eligible cardholders access to a  lounge program that includes over 1,000 lounges in 400 airports worldwide – no matter the airline, class ticket, or frequent flyer membership. Just show your Mastercard, and you’ll access dining offers, retail discounts, and a relaxing spa break.

#4 Air Canada’s Maple Leaf Lounges

Air Canada’s Maple Leaf Lounges are available in 16 airports across North America and Europe, and they offer amenities in cell-free quiet zones, showers, wifi, and business centers, plus snacks and beverages. Access to these lounges is granted automatically to ten types of customers, including Aeroplan members, Star Alliance Gold members, and Air Canada Maple Leaf Club members.

How To Choose A Credit Card With Airport Lounge Access In Canada

Lounge visits per year

If you’re a frequent traveller you want a card that offers plenty of lounge visits per year. Cards like the BMO Ascend World Elite Mastercard and the Scotiabank Gold American Express card offer discounted or free lounge visits every year through DragonPass and Priority Pass directly. If you are a frequent traveller, choosing a card that offers enough lounge stays should be a priority.

Annual fee

Another important fact to consider is the annual fees. In general, the type of credit card that offers airport lounge access is travel credit cards. Annual fees for these cards start at $120 and can go as high as $599, or more. This may seem high, but if you’re a frequent traveller you will easily offset this fee with all the benefits like free stays at hotels, flights, and quality of life benefits like access to airport lounges and priority boarding. can oftentimes be enough to cover for your first year, or even more.

Credit card insurance & purchase warranties

If you’re travelling often, you want a credit card that offers comprehensive travel and medical insurance. These cards usually have high annual fees but are a great option if you travel often and want to ensure you and your family are covered. Here are some of the typical insured categories you can expect:

  • Baggage loss insurance
  • Baggage delay insurance
  • Car rental insurance
  • Extended warranty
  • Mobile Insurance
  • Flight delay insurance
  • Purchase assurance
  • Travel emergency medical
  • Travel accident insurance
  • Trip cancellation
  • Trip interruption

How To Apply For A Credit Card With Airport Lounge Access In Canada

Age

In Canada, the minimum age to apply for a credit card is the age of the majority. Teens under that age can’t get approved for credit cards but can be added as authorized users to one of their parent’s credit cards. For reference, the age of the majority in Alberta, Manitoba, Ontario, Quebec, Prince Edward Island, and Saskatchewan is 18 years old. In all other provinces, the age of the majority is 19.

Residency Status

Canadian credit cards are available to residents and non-permanent residents. However, most premium credit cards require you to be a Canadian resident. You don't even need a credit history for other card types like prepaid and secured credit cards. 

Credit score

Most credit cards with lounge benefits require a good to excellent credit score, starting at 700. Keep in mind that the higher your credit score, the more likely your application will be accepted, and the cards with the higher requirements usually have the best perks and benefits.

Personal Or Household Income Requirements

Not all credit cards have an income limit, but some premium airport lounge cards have an annual income requirement ranging from $60,000-$80,000 for individuals or $100,000-$150,000 for households. These cards also require a higher credit score and come with the best travel perks.

Airport Lounge Credit Card FAQs

Are Airport Lounge Credit Cards Worth It?

Airport Lounge cards might be worth it for you:

  • If you are a frequent traveller who can take advantage of all the annual free lounge visits
  • If you want comprehensive travel and medical insurance when you travel
  • If you earn enough points every year to compensate for the annual fee – this is not hard to accomplish if you travel often
  • If you have no trouble keeping up with your monthly credit card payments and are very unlikely to fall behind on payments

Airport Lounge cards might not be worth it for you:

  • If you don’t travel a lot, chances are you will not make enough from the card to justify the high annual fee
  • If you often find yourself falling behind on payments

What Is The Most Inexpensive Credit Card In Canada With Lounge Access?

Canada's most affordable Airport Lounge credit card is the Scotiabank Gold American Express card. It has low annual fees for a travel credit card and comes with discounted access to lounges and comprehensive travel and medical insurance.

How Do I Know If My Card Has Airport Lounge Access?

The easiest way is to call the customer support reps of your credit card. Alternatively, you can visit your issuer’s website and read the small print. Any information about lounge access should be under the Complimentary Visits section.

Are Airport Lounges Worth It?

If you’re a frequent traveller – and even if you’re not – access to airport lounges is absolutely game-changing. For starters, you will save a lot of money on food and drinks, something airpors are notoriously bad for. Additionally, you will have access to an exclusive place where you can rest before your flight, or get some work done in a calm environment with high-speed wifi.

Domestically or internationally, most major airports have lounges.

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