If you're using a Priority Pass lounge, you need your Priority Pass membership card, not your credit card, to gain access. If you're using a non-Priority Pass lounge and get access through your Amex or Capital One card, make sure you have your eligible credit card with you.

Accessing an airport lounge with a credit card in 2026 usually follows one of three paths depending on the card type. For premium cards like the Amex Platinum or Chase Sapphire Reserve, you typically use a membership program called Priority Pass. You must first activate this membership through your card issuer's app; once active, you simply show your digital Priority Pass QR code and your boarding pass at the lounge entrance. For airline-branded cards (like the United Club or Delta Reserve), your membership is usually linked directly to your frequent flyer profile. When the lounge agent scans your boarding pass, the system automatically recognizes your eligible status. Finally, some cards offer "one-time" digital passes that you must pull up from the bank's mobile app to be scanned. In 2026, most lounges have moved away from physical card swipes in favor of "tap-to-enter" or biometric verification linked to your travel documents for a faster, contactless experience.