This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Policy, visit this page.

Update: Some offers mentioned below are no longer available. View the current offers here – Citi / AAdvantage Executive World Elite Mastercard 

Sign up for a free Plastiq account here

One option for travelers who want to reach elite status with their favorite airline or hotel doesn’t require traveling at all. Some co-branded hotel and airline credit cards allow you to earn elite status through annual spending.

Sure, this strategy may be an unrealistic undertaking for some cardholders, as many travel cards require tens of thousands of dollars in annual spending to earn elite-qualifying miles or status upgrades at hotel properties. But you can make that scary spending requirement a bit less horrifying by charging things to your credit card — like your monthly mortgage payment — that you normally wouldn’t be allowed to do.

You’ll need to employ a payment service like Plastiq to make this work, and you may have to spend some extra money to do it, as Plastiq normally charges a 2.5% fee for credit card transactions. Good news, though: The company is temporarily waiving its fee on transactions of up to $500 if you use Masterpass through Plastiq. However, this promo will change as of June 1, when the fee waiver will only be good on up to $250 in payments.

If you can’t or don’t want to use Masterpass, you’ll have to judge the value of elite status against the cost of having your car payment or student loan run through your credit card. Putting $10,000 of rent payments through Plastiq will cost you $250 if you aren’t getting the fee waived. That might be worth the cost depending on what elite status at your favorite airline or hotel gets you in return.

A note of caution, though: Although Plastiq advertises that you can use its service to pay for things like insurance, taxes and childcare, along with your monthly housing expenses, the networks all have different rules about what you can charge. You can’t use your Visa card to make mortgage payments, for example. And American Express cards can only be used to make payments for government debts, utilities, education, residential rent and club fees and memberships.

Here’s a look at some credit cards that offer faster routes to elite status through annual spending.

What You’ll Need to Spend Using Airline Cards

A lie-flat Mint seat on JetBlue — something you’ll hopefully enjoy frequently as a Mosaic member.

If you’re up for placing $10,000 to $50,000 a year or more on plastic, these credit cards offer elite miles toward status upgrades:

  • Earn 10,000 elite-qualifying miles every calendar year you make $40,000 or more on purchases on the Citi / AAdvantage Executive World Elite Mastercard. The lowest elite tier in American’s program is AAdvantage Gold status, which normally requires 25,000 EQMs, so you’ll have to find other ways to earn the remaining 15,000 EQMs to reach the minimum if you spend $40,000 in a year to get 10,000.
  • Earn 10,000 bonus miles plus 10,000 Medallion Qualification Miles by spending $25,000 in a calendar year, plus another 10,000 bonus miles and 10,000 MQMs by spending $50,000 in that same year using the Platinum Delta SkyMiles® Credit Card from American Express or the Platinum Delta SkyMiles® Business Credit Card from American Express. The lowest tier in Delta’s program is Silver Medallion, which normally requires 25,000 MQMs or 30 Medallion-qualifying segments, plus $3,000 Medallion-Qualfying Dollars (MQDs). The cards’ welcome bonuses get you at least 5,000 MQMs depending on the current offer when you apply, so could earn the full 25,000 MQMs just through credit card spending if $50,000 in a year isn’t out of the question for you.
  • Another SkyMiles card, the Delta Reserve Credit Card from American Express, grants you 15,000 bonus miles plus 15,000 MQMs after you spend $30,000 in a calendar year, plus another 15,000 bonus miles and 15,000 MQMs by spending $60,000 in that same year. Like the other SkyMiles cards, this one also generally includes MQMs in its welcome bonus, further boosting your progress toward Medallion status.
  • Reach Mosaic status in JetBlue’s TrueBlue program by spending $50,000 on the JetBlue Plus Card in a calendar year. You can also earn this status by flying 30 segments and earning 12,000 base flight points; or just by earning 15,000 base flight points in a calendar year.
  • Earn up to 15,000 Tier Qualifying Points each calendar year at a rate of 1,500 TQPs for every $10,000 you make in purchases on the consumer or business versions of the Southwest Rapid Rewards Premier Credit Card. You’ll usually need 35,000 Tier-Qualifying Points or 25 paid one-way flights in a calendar year to qualify for Southwest’s A-List status.

What You’ll Need to Spend Using Hotel Cards

Marriott Medellin.

The good news here is it’s much easier with some hotel programs to earn elite status with credit card spend only. Here’s what you’ll get using hotel credit cards to earn status:

Some credit cards under the Marriott/Starwood umbrella will change after the two loyalty programs are combined in August 2018. Here’s how spending will affect elite status under those new rules:

Bottom Line

Nobody said earning elite status with an airline or hotel program would be easy. It’s still not easy even if you use a bill payment service like Plastiq to put more of your spending on a rewards credit card that helps you earn status. But in many cases, sending your personal or business payments through Plastiq can help you get there faster. Combine this strategy with your regular business travel routine to ensure that you can earn elite status where you fly or where you sleep.

Featured photo by Getty Images.

The Platinum Card® from American Express

The American Express Platinum card has some of the best perks out there: cardholders enjoy the best domestic lounge access (Delta SkyClubs, Centurion Lounges, and Priority Pass), a $200 annual airline fee credit as well as up to $200 in Uber credits, and mid-tier elite status at SPG, Marriott, and Hilton. Combined with the 60,000 point welcome offer -- worth $1,140 based on TPG's valuations -- this card is a no-brainer for frequent travelers. Here are 5 reasons you should consider this card, as well as how you can figure out if the $550 annual fee makes sense for you.

Apply Now
More Things to Know
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
Intro APR on Purchases
N/A
Regular APR
N/A
Annual Fee
$550
Balance Transfer Fee
See Terms
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.