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How Credit Card Lounge Access Works in Canada

By PointsExplainedLast reviewed

Check what your card includes

Find out which lounge program your card uses, how many visits are included and the guest rules, in your card's benefit terms.

Activate the membership

If your card includes Priority Pass, enrol or activate it as your card provider instructs, and keep the membership card or digital pass handy.

Check the lounge before you go

Look up the lounges at your departure airport, their opening hours and any conditions, such as the airline or terminal you must be flying from.

Bring the right documents

Carry your means of access, a valid boarding pass and ID.

Where this comes from

Sources

The documents this guide relies on. If one has changed since we read it, the document is right and this guide is out of date.

  1. Priority Pass - Airport lounges

    More than 1,900 lounges and experiences; many payment cards offer complimentary Priority Pass membership.

    prioritypass.com · Accessed
  2. Priority Pass - Canada lounge locations

    Canadian Priority Pass airports: Calgary, Edmonton, Montreal, Ottawa, Quebec City, Toronto Billy Bishop, Toronto Pearson, Vancouver, Winnipeg.

    prioritypass.com · Accessed
  3. Priority Pass - Conditions of Use

    Admittance requires valid means of access, valid boarding pass and ID; lounges owned and operated by third parties that control admission, capacity, hours and length of stay; access not guaranteed; per-person, per-visit charges depending on plan or card provider; later charges when a payment card is the means of access; card provider handles replacement and cancellation; cancelled means of access and charges for invalid access; Schengen-area restrictions.

    prioritypass.com · Accessed
  4. Air Canada - Maple Leaf Lounges

    Eligible customers (business/first class, Aeroplan 50K/75K/Super Elite, Star Alliance Gold); premium Aeroplan credit cardholders (primary and secondary) access Maple Leaf Lounges in Canada and the U.S. with a same-day departure on Air Canada or Star Alliance; one-time guest passes for Aeroplan business and corporate cards (domestic and transborder, some U.S. lounges, international excluded); guest fees and free guest allowances; list of eligible premium cards.

    aircanada.com · Accessed
  5. Air Canada - Maple Leaf Lounge access (booking option terms)

    Minors must be accompanied by an adult; lounge locations include major Canadian airports.

    aircanada.com · Accessed
  6. American Express Canada - Platinum Travel Benefits

    Platinum cardmembers: unlimited complimentary Centurion Lounge access, guest policies vary; Priority Pass membership and Plaza Premium access regardless of airline or cabin class; limited complimentary Plaza Premium and Priority Pass visits from January 1, 2027 unless an annual spend threshold is met.

    americanexpress.com · Accessed
  7. FCAC - Choosing a credit card (page dated 2025-10-15)

    Consider how likely you are to use each benefit, whether you already have it, and restrictions, against the annual fee.

    canada.ca · Accessed
Questions

About this guide

Which Canadian credit cards include airport lounge access?

Lounge benefits change often, so we list current cards at /ca/credit-cards/lounge-access. Air Canada, for example, names the premium Aeroplan cards that give Maple Leaf Lounge access on its own lounge page.

Can I bring guests to airport lounges with my credit card?

It depends on the card and the lounge. Priority Pass may charge per guest, per visit, depending on your plan or card benefit, and Air Canada charges a fee for additional guests at Maple Leaf Lounges, with some free guest allowances for elite members and eligible cardholders.

Are there lounges in Canadian airports?

Yes. Priority Pass lists locations at airports in Calgary, Edmonton, Montreal, Ottawa, Quebec City, Toronto (Pearson and Billy Bishop), Vancouver and Winnipeg, and Air Canada has Maple Leaf Lounges at major Canadian airports. Smaller airports may have none, so check before you travel.

Do I need to fly a particular airline to use credit card lounge access?

For Maple Leaf Lounges, yes: access requires a same-day departure on a flight marketed or operated by Air Canada or a Star Alliance airline. American Express says its Platinum cardmembers can use Plaza Premium lounges regardless of airline or cabin class. For Priority Pass you need a valid boarding pass, and some lounges add conditions; lounges inside Europe's Schengen areas, for example, only admit passengers travelling between Schengen countries.

How much is airport lounge access worth?

We don't put a dollar value on it. Weigh the visits you would realistically use, and anything you already get another way, against the card's annual fee, as FCAC suggests for any card benefit.