How can I find out if my issuer provides me with complimentary lounge visits? If your issuer provides complimentary lounge visits, there will be a “Complimentary Visit” section under My Information on the app and under My Account on the web.

The quickest way to determine if your credit card includes free lounge access in 2026 is to check the benefits section of your mobile banking app or look for a "Priority Pass" or "LoungeKey" logo on the back of the physical card. Most "Premium" travel cards (like the Amex Platinum or Chase Sapphire Reserve) explicitly list lounge access as a headline feature. You can also download the Priority Pass app and attempt to register your card; if it's eligible, the system will instantly generate a digital membership card. Furthermore, many "Elite" airline credit cards (like the United Club Infinite) provide access to that specific airline's lounges. If you are still unsure, you can simply walk up to a lounge front desk and ask them to "swipe for eligibility," though be prepared that if the card doesn't include it, you might be charged a walk-in fee of $50 or more. It is a "pro-tip" to activate your membership before arriving at the airport, as some cards require a separate digital activation step before the benefit becomes active at the lounge terminal.