Before you join an airline airport lounge club, buy travel insurance, get in an airport TSA line or reserve your next hotel room, explore the many and often little-known benefits you might already be eligible for based on your credit card.

Do you have an American Express Platinum card or a Capital One Venture card? That gets you membership in Priority Pass, to one of more than 1,000 airport lounges around the world.

Do you hate paying to check your bags on flights? Many credit cards offer statement credits — some with a $200 a year cap — on those charges if you paid for your ticket with that card.

Do you hate long security lines? Chase Sapphire Reserve gives you an annual $300 credit on hotel expenses. And you might even get a hotel room upgrade.

And my favorite perk is from American Express Platinum, which gets you enrollment in CLEAR for free. This gets you to the front of the TSA pre-check line and is normally $179 a year.