Long before I set foot in an airport lounge, my perception of them was shaped by the 2006 film "Unaccompanied Minors." In the movie, a wealthy teenager manages to sneak into an exclusive airport lounge with the help of a pass from her parents. To me, airport lounges seemed like private sanctuaries for the affluent—a world far removed from my experience with a middle-class background that seldom traveled. It turns out I was mistaken. When I left my job as a full-time personal finance editor last year to embark on a global journey, I discovered that airport lounges are surprisingly accessible.

The key lies in knowing how to navigate the world of credit card rewards and loyalty programs. During my travels to over 36 countries on a budget, I realized that access to airport lounges isn’t merely for the elite. While day passes typically range from $35 to $75, a myriad of options allows travelers to gain free access. One popular method is through a Priority Pass membership, offering entrance to over 1,600 lounges worldwide. To get a Priority Pass affordably, credit cards are often the best route.

Priority Pass membership fees run from $99 annually for their Standard plan—charging $35 per visit—to $469 for the Prestige plan, which grants unlimited visits. If lounge visits are infrequent—say, once or twice a year—a day pass might suffice. However, frequent travelers should look at credit cards that offer Priority Pass Select membership, similar to the Prestige plan but without the direct fee. Several premium travel credit cards provide complimentary Priority Pass membership, sometimes extending this benefit to authorized users.

Currently, cards like the Capital One Venture X stand out. Priced with an annual fee of $395, it permits up to four authorized users, all eligible for their own Priority Pass memberships at no extra cost. While enticing, remember to weigh the broader value. Each card features a unique suite of benefits, potentially reducing out-of-pocket expenses with travel credits. Smart management of these credits can make the cards effectively free.

Consideration should focus on which card offers the best combination of fee management and hassle-free rewards. For many, the Capital One Venture X card provides a balance between reduced annual net costs and simplicity. Moreover, it includes a 10,000-mile anniversary bonus equal to $100 in travel statement credit and a $300 annual travel credit. Together, these perks might keep the annual fee in negative territory. Those using all available credits might also find the Amex Platinum rewarding although its higher fee demands upfront commitment.

Surprisingly, there’s the U.S. Bank Altitude® Connect Visa Signature® Card, revamped to remove its traditional $95 fee. It retains Priority Pass benefits, albeit with four complimentary visits a year, ideal for the sporadic traveler not looking to commit fully. However, guests count against the visit total, making it less appealing for frequent travelers.

Ultimately, while lounges may not make or break a travel experience, they add comfort and calm for those often in airports. Beginners should refrain from investing heavily in unlimited lounge access without first assessing personal needs. Buying a day pass offers a no-strings introduction, and frequent visit desires can steer one to a card matching travel habits. For general travelers, the Capital One Venture X is often best. Meanwhile, the Amex Platinum might appeal to those seeking frequent clicks on reward credits. Personally, I'd lean on the U.S. Bank Altitude Connect for its no-fee access, making lounge visits an opportunity, not an obligation.

All information about the discussed credit cards was independently gathered and is not reviewed or endorsed by issuers.