Credit Cards with Lounge Access 2026: Germany Compared

Quick answer: In Germany in 2026, it’s mainly credit cards with Priority Pass that get you into the lounge: the AMEX Platinum (€720, Priority Pass Prestige with 50 visits/year, 1 guest free), the AMEX Business Platinum (€850, same benefit), the Deutsche Bank Mastercard Platin (€200, cardholder free of charge, guest €20) and the Commerzbank Gold or Premium credit card. The Miles & More Gold only brings 4 Lufthansa lounge vouchers for a limited time. There is no permanently free credit card with lounge access.

“Credit card with lounge access” can mean a lot of things: unlimited visits, a fixed allowance, a membership card where you pay for every visit yourself, or a few one-time vouchers. On top of that: since 1 October 2026, the AMEX Platinum no longer opens any Lufthansa lounge. I’ll show you which cards available in Germany actually get you into the lounge – all details checked on the issuers’ websites, as of November 2026. The deep dive on Priority Pass, the lounges at German airports and the end of the Lufthansa access is in my Lounge Guide: Priority Pass vs. AMEX Platinum. Here it’s about the question that comes first: Which card?

Which credit cards have lounge access? The comparison table

Most German cards with lounge access rely on Priority Pass. The difference lies in how many visits are included and what guests cost. The AMEX Platinum has a fixed allowance, the Deutsche Bank Platin only charges for guests, and at Commerzbank the membership is included. The Miles & More Gold only brings vouchers.

Card	Annual fee	Type of access	Visits	Guests	Special features
AMEX Platinum*	€720	Priority Pass Prestige + Centurion Lounges	50/year (shared with supplementary card and guests)	1 guest per visit free, counts as a visit	Supplementary card with its own Priority Pass; no Lufthansa access since 1 October 2026
AMEX Business Platinum*	€850	Priority Pass Prestige + Centurion Lounges	same as Platinum	same as Platinum	200,000 MR welcome bonus
Deutsche Bank Mastercard Platin	€200 (family card €120)	Priority Pass	cardholder free of charge	€20 per visit and person	Also: Mastercard Black (€600) with the same lounge rule
Commerzbank GoldKreditkarte	€99.90	Priority Pass on request	not stated on the product page	not stated	ask about conditions before applying
Commerzbank PremiumKreditkarte	included in PremiumKonto (€12.90/month)	Priority Pass on request	not stated on the product page	not stated	only with PremiumKonto
HVB Visa Infinite	not publicly listed	Priority Pass	included according to HVB	not publicly listed	only for Private Banking and Wealth Management clients
Miles & More Gold*	€11.50/month (€138/year)	4 Lufthansa Business Lounge vouchers	4 (one-time, promotion)	one entry per voucher	only for applications by 30 November 2026, only with a Lufthansa Group ticket

As of November 2026. Sources: Deutsche Bank list of prices and services (as of 1 October 2026), product pages of Commerzbank and HypoVereinsbank, American Express, Miles & More Kreditkarte. Links marked with * are referral links.

Reading tip: “Priority Pass included” doesn’t automatically mean “visits included” – what matters is what the bank says about the individual visit.

Which card offers the most extensive lounge access?

The most extensive access in 2026 comes from the AMEX Platinum: Priority Pass in the highest tier, Prestige, 50 visits per year, one guest free and, on top of that, American Express’s Centurion Lounges. According to AMEX, that gets you into over 1,550 lounges worldwide, 1,330 of them via Priority Pass. In return, at €720 it’s also the most expensive personal card in the comparison.

The details you need to know:

• The 50 visits are shared: The main card, supplementary card and all guests share the allowance. If you go into the lounge with a companion, that’s two visits.
• Supplementary card with its own pass: The Platinum supplementary card gets its own Priority Pass and may also bring one guest – but the allowance remains the shared one.
• No more Lufthansa access: Until 30 September 2026, the Platinum also opened Lufthansa Business and Senator Lounges. Since 1 October 2026, that’s over worldwide.
• Replacement “Lounge on the Go”: 6 × €20 food and drink credit in Frankfurt Terminal 1 and Munich Terminal 2, valid from 1 October 2026 to 31 March 2027.

The AMEX Business Platinum* (€850) has exactly the same lounge benefits. Its difference lies in the welcome bonus (200,000 MR instead of 85,000 MR) and the business credits.

What the Platinum offers beyond the lounge and whether the fee pays off for you, I’ve calculated in my reviews of the AMEX Platinum and the AMEX Platinum Business.

Apply for the AMEX Platinum*

Which bank credit cards have a Priority Pass?

In Germany, Deutsche Bank (Mastercard Platin and Black), Commerzbank (Gold and Premium credit card) and HypoVereinsbank (Visa Infinite), among others, offer lounge access with Priority Pass. The conditions differ greatly: at Deutsche Bank the visit is free of charge for you, while at Commerzbank the product page doesn’t state any visit conditions.

Deutsche Bank Mastercard Platin

At €200 a year, the Platin is the cheapest card in this comparison with Priority Pass where the bank explicitly lists your own visit as free of charge. Deutsche Bank’s list of prices and services (as of 1 October 2026) states for the Mastercard Platin and Mastercard Black: use of the Priority Pass free of charge for the cardholder, companion €20 per visit and person. The list doesn’t state a cap on your own visits. The supplementary card for family members costs €120 a year, the Mastercard Black €600. According to the bank, a current account at Deutsche Bank isn’t strictly required for its credit cards.

The catch: The Platin has no free guest slot. If you always travel as a pair, you pay €20 for your companion on every lounge visit. Source: Deutsche Bank list of prices and services.

Commerzbank GoldKreditkarte and PremiumKreditkarte

Commerzbank advertises Priority Pass access to airport lounges worldwide for both cards, on request to over 1,300 lounges. The GoldKreditkarte costs €99.90 a year. The PremiumKreditkarte is only available together with the PremiumKonto for €12.90 a month; up to two Mastercard and two Visa cards per account are included in the price.

Important: On its product pages, Commerzbank states neither the number of free visits nor the guest costs – you apply for the pass via a dedicated Priority Pass page for Commerzbank customers. Whether a visit is free for you or charged individually is something you should clarify directly with Commerzbank before applying. Official pages: GoldKreditkarte and PremiumKreditkarte.

HypoVereinsbank Visa Infinite

According to HypoVereinsbank, the HVB Visa Infinite includes a Priority Pass with access to over 1,800 airport lounges in more than 600 cities and 148 countries. However, the card is aimed at clients of HVB’s Private Banking and Wealth Management. For most readers, it’s therefore not a realistic option. Official page: HVB Visa Infinite.

Sparkasse and Volksbank

Sparkassen and Volksbanken set their card conditions per institution. Whether a Gold or Platinum card from your Sparkasse includes lounge access, which program is behind it and what a visit costs can therefore differ from Sparkasse to Sparkasse. There’s no nationwide statement. Check the list of prices and services of your own Sparkasse or ask at your branch.

What does the Miles & More Gold bring for the lounge?

The Miles & More Gold has no Priority Pass and no permanent lounge access. For applications from 1 October to 30 November 2026, however, 4 lounge vouchers come on top of the welcome bonus – each a one-time entry to a Lufthansa Business Lounge, only with a valid Lufthansa Group ticket, valid for 12 months. The card costs €11.50 a month (€138 a year).

The promotion also includes 20,000 miles (Gold personal) or 50,000 miles (Gold Business) plus 40 Points. The vouchers are delivered to the Miles & More inbox no later than 8 weeks after the promotion ends.

That’s interesting because of the Platinum loss: there’s no Priority Pass lounge in Frankfurt Terminal 1 and Munich Terminal 2 – the vouchers get you into the Lufthansa Business Lounge there. After four visits, though, the benefit is used up: you’re buying four visits, not lounge access. All conditions of the four variants are in my Miles & More credit card review.

Apply for the Miles & More Gold*

Is there a free credit card with lounge access?

Honest answer: No, not permanently. I haven’t found any credit card available in Germany without an annual fee that, according to the issuer, includes regular lounge access. The free cards in my comparisons – such as the PAYBACK American Express – have no lounge access. The cheapest option with a free visit for yourself is the Deutsche Bank Platin at €200 a year.

Behind “free” there’s usually a one-time benefit (like the vouchers of the €138 Miles & More Gold), a membership card without included visits, or an account package that costs money every month. So always check: What does the card cost, the individual visit, your guest?

Buy Priority Pass yourself or get it through a credit card?

Bought directly, Priority Pass costs €89 (Standard, plus €30 per visit), €289 (Standard Plus, 10 visits free) or €459 (Prestige, unlimited). If you only want lounges, buying it yourself or getting an inexpensive bank card is often better than a €720 card. The AMEX Platinum only pays off if you also use its other benefits.

Option	Cost per year	Included visits	Guest
Priority Pass Standard	€89	none (€30 per visit)	€30
Priority Pass Standard Plus	€289	10	€30
Priority Pass Prestige	€459	unlimited	€30
Deutsche Bank Mastercard Platin	€200	free of charge according to the price list	€20
AMEX Platinum	€720	50 (incl. guests)	1 free, counts as a visit

Priority Pass prices according to prioritypass.com, as of 6 November 2026.

A rough calculation:

• Up to 6 visits a year: Standard is the cheapest tier (6 visits = €89 + €180 = €269).
• From 7 visits: Standard Plus beats Standard (7 visits on Standard = €299).
• From 16 visits: Prestige becomes cheaper than Standard Plus.
• Regularly as a pair: This is where the AMEX Platinum plays its free guest slot – with Deutsche Bank you pay €20 per companion, buying it yourself €30.

With the Platinum, you only recoup the rest of the €720 through travel credit, hotel status, insurance and the bonus. Which AMEX suits your travel habits is shown in my decision guide: Which AMEX card is right for me?.

Which credit card lets me collect miles and get into the lounge?

In this comparison, the AMEX Platinum (Membership Rewards, transferable to airline partners) and – with limitations – the Miles & More Gold (miles directly, lounge only via the four promotional vouchers) offer both in one card. The bank cards from Deutsche Bank, Commerzbank and HVB are lounge cards, but not miles cards in the narrower sense.

The Platinum earns 1 Membership Rewards point per euro (with Punkteturbo for €15 a year, 1.5), the Miles & More Gold personal card 1 mile per €2. Since October, the only reliable way into the Lufthansa lounge is a ticket or status. What a Lufthansa lounge looks like at the highest level, I show in my report on the Lufthansa First Class Lounge Munich.

Which card combination really earns the most points in your everyday life – and how to make the most of it until your next award flight with a lounge visit – is laid out step by step in the Premium Handbook.

Frequently Asked Questions

Which credit card has the best lounge access in Germany?

The most extensive access comes from the AMEX Platinum: Priority Pass Prestige with 50 visits per year, one guest free and the Centurion Lounges – according to AMEX, over 1,550 lounges worldwide, 1,330 of them via Priority Pass. Lufthansa lounges have no longer been included since 1 October 2026.

Is there a free credit card with lounge access?

Not permanently. I haven’t found any credit card without an annual fee that includes regular lounge access. The Miles & More Gold brings four Lufthansa lounge vouchers for applications by 30 November 2026, but costs €138 a year. The cheapest card with a free Priority Pass visit is the Deutsche Bank Mastercard Platin at €200.

Can you still get into the Lufthansa lounge with the AMEX Platinum?

No. American Express and Lufthansa ended the partnership on 1 October 2026 – worldwide, for both Platinum and Business Platinum. As a replacement, there’s the “Lounge on the Go” food and drink credit (6 × €20) in Frankfurt Terminal 1 and Munich Terminal 2 until 31 March 2027.

What does a lounge visit with a credit card cost?

That depends on the card. With the AMEX Platinum, 50 visits per year are included; with the Deutsche Bank Platin, your own visit is free of charge according to the price list and a guest costs €20. With a self-purchased Priority Pass Standard, you pay €30 per visit.

Do Sparkasse credit cards have lounge access?

Each Sparkasse decides that itself. Whether your Gold or Platinum card includes lounge access and on what terms is stated in your Sparkasse’s list of prices and services. There’s no uniform rule for all Sparkassen.

Is Priority Pass worth it without a credit card?

For occasional flyers, yes: the Standard pass costs €89 a year plus €30 per visit and is the cheapest Priority Pass tier up to about 6 visits. From 7 visits, Standard Plus (€289, 10 visits) is cheaper, from 16 visits Prestige (€459).

Conclusion

A “credit card with lounge access” in 2026 is almost always a card with Priority Pass – and the devil is in the visit and guest costs. The most extensive access comes with the AMEX Platinum*, with 50 visits and a free guest slot, but without Lufthansa lounges since 1 October 2026. If you only want lounges and travel alone, the Deutsche Bank Mastercard Platin at €200 is the cheaper solution. With Commerzbank, you should clarify the visit conditions before applying. Until 30 November 2026, the Miles & More Gold* is a four-visit bonus for the Lufthansa lounge, not a lounge card.

Further reading:

• Lounge Guide 2026: Priority Pass vs. AMEX Platinum – all Priority Pass lounges in Germany and the end of the Lufthansa access in detail
• AMEX Platinum Review 2026 – is the €720 card worth it?
• Miles & More Credit Card Review – Blue vs. Gold, personal vs. Business

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All information without guarantee, as of November 2026. Conditions, lounge networks and promotions change – check the current terms with the issuer before applying. Not financial advice. Links marked with * are referral links: if you apply through them, I may receive a reward; nothing changes for you.