The best credit cards to reach elite status
Chasing elite status with a hotel or airline can be addictive. Once you get a taste of the benefits (like upgrades, lounge access, bonus points and enhanced customer service), it’s hard to give them up. Depending on how frequently you travel, you could easily get hundreds — if not thousands — of dollars in value from elite status each year.However, these lucrative perks come at a cost. Many airlines require customers to spend at least $5,000 in a year to earn status, and the major hotel chains typically require at least 10 nights per year to earn the lowest level of elite status. These requirements can add up quickly, even for frequent travelers.Luckily, a number of credit cards can help you jump-start your progress toward elite status. Plus, with some of these cards’ welcome bonuses, you’ll also earn a nice haul of bonus rewards and get closer to elite status. Here’s a look at your options.The best credit cards for airline elite statusAirline credit cardsElite status benefits and earnings<strong><a href=”https://thepointsguy.com/oc/10987?pid=10987&name=Atmos%E2%84%A2%20Rewards%20Summit%20Visa%20Infinite%C2%AE%20Credit%20Card&issuer=Bank%20of%20America” target=”_blank”>Atmos™ Rewards Summit Visa Infinite® Credit Card</a></strong>Earn 1 status point per $2 spent<strong><a href=”https://thepointsguy.com/oc/221410949?pid=221410949&name=Citi%C2%AE%20%2F%20AAdvantage%C2%AE%20Executive%20World%20Elite%20Mastercard%C2%AE&issuer=Citi” target=”_blank”>Citi® / AAdvantage® Executive World Elite Mastercard®</a> </strong>(see <a href=”/tc/221410949?pid=221410949&name=Citi%C2%AE%20%2F%20AAdvantage%C2%AE%20Executive%20World%20Elite%20Mastercard%C2%AE&data-testid=ratesFees” target=”_blank”>rates and fees</a>)Earn 1 Loyalty Point for every dollar spent on purchases
<p>Earn 10,000 Loyalty Points after reaching 50,000 Loyalty Points in a status qualification year and another 10,000 Loyalty Points after reaching 90,000 Loyalty Points in the same status qualification year</p><strong><a href=”https://thepointsguy.com/oc/6573?pid=6573&name=Delta%20SkyMiles%C2%AE%20Reserve%20American%20Express%20Card&issuer=American%20Express” target=”_blank”>Delta SkyMiles® Reserve American Express Card</a></strong>Earn 1 Medallion Qualification Dollar for every $10 spent
<p>Cardmembers receive an MQD boost of 2,500 MQDs each calendar year</p><a href=”https://thepointsguy.com/credit-cards/reviews/credit-card-review-jetblue-plus-card/” target=”_blank” rel=”noopener”><strong>JetBlue Plus Card</strong></a><strong><br>
</strong>Qualify for the four tiers of <a href=”https://thepointsguy.com/guide/what-is-jetblue-elite-status-worth/” target=”_blank” rel=”noopener noreferrer”>JetBlue Mosaic elite status</a> through credit card spending<strong><a href=”https://thepointsguy.com/oc/6269?pid=6269&name=Southwest%20Rapid%20Rewards%C2%AE%20Priority%20Credit%20Card%20PID&issuer=Chase” target=”_blank”>Southwest Rapid Rewards® Priority Credit Card</a> </strong>(see <a href=”/tc/6269?pid=6269&name=Southwest%20Rapid%20Rewards%C2%AE%20Priority%20Credit%20Card%20PID&data-testid=ratesFees” target=”_blank”>rates and fees</a>)Earn 2,500 tier-qualifying points for every $5,000 spent on purchases annually toward <a href=”https://thepointsguy.com/guide/what-is-southwest-elite-status-worth/” target=”_blank” rel=”noopener noreferrer”>A-List status</a>. All points earned count toward <a href=”https://thepointsguy.com/credit-cards/best-time-for-southwest-credit-cards/” target=”_blank” rel=”noopener noreferrer”>Companion Pass eligibility</a>.<strong><a href=”https://thepointsguy.com/oc/6976?pid=6976&name=United%20Club%E2%84%A0%20Card%20PID&issuer=Chase” target=”_blank”>United Club℠ Card</a></strong> (see <a href=”/tc/6976?pid=6976&name=United%20Club%E2%84%A0%20Card%20PID&data-testid=ratesFees” target=”_blank”>rates and fees</a>)Earn 1 Premier qualifying point for every $15 you spend on the card, up to 28,000 PQP in a calendar year
<p>Cardholders receive a 1,500 PQP bonus within eight weeks of Feb. 1 each year, starting in the calendar year following their account open date</p>The best credit cards for hotel elite statusHotel credit cardsElite status benefits and earnings<strong><a href=”https://thepointsguy.com/oc/7559?pid=7559&name=Hilton%20Honors%20American%20Express%20Aspire%20Card&issuer=American%20Express” target=”_blank”>Hilton Honors American Express Aspire Card</a></strong>Automatic Hilton Honors Diamond status<strong><a href=”https://thepointsguy.com/oc/6153?pid=6153&name=IHG%20One%20Rewards%20Premier%20Credit%20Card%20PID&issuer=Chase” target=”_blank”>IHG One Rewards Premier Credit Card</a> </strong>(see <a href=”/tc/6153?pid=6153&name=IHG%20One%20Rewards%20Premier%20Credit%20Card%20PID&data-testid=ratesFees” target=”_blank”>rates and fees</a>)Automatic IHG One Rewards Platinum Elite status with the ability to earn Diamond status through the end of the next calendar year after spending $40,000 within a calendar year<strong><a href=”https://thepointsguy.com/oc/6396?pid=6396&name=Marriott%20Bonvoy%20Brilliant%C2%AE%20American%20Express%C2%AE%20Card&issuer=American%20Express” target=”_blank”>Marriott Bonvoy Brilliant® American Express® Card</a></strong>Complimentary Platinum Elite status and 25 elite night credits each calendar year<strong><a href=”https://thepointsguy.com/oc/6230?pid=6230&name=World%20of%20Hyatt%20Credit%20Card%20PID&issuer=Chase” target=”_blank”>World of Hyatt Credit Card</a> </strong>(see <a href=”/tc/6230?pid=6230&name=World%20of%20Hyatt%20Credit%20Card%20PID&data-testid=ratesFees” target=”_blank”>rates and fees</a>)Automatic Hyatt Discoverist Status, five qualifying night credits each calendar year and two additional night credits for every $5,000 spent each calendar year<strong><a href=”https://thepointsguy.com/oc/22504813?pid=22504813&name=American%20Express%20Platinum%20Card%C2%AE&issuer=American%20Express” target=”_blank”>American Express Platinum Card®</a></strong>Automatic Hilton Honors Gold status, Marriott Bonvoy Gold Elite status and Leaders Club Sterling Status from The Leading Hotels of the World (enrollment required)<strong> <a href=”https://thepointsguy.com/oc/221211836?pid=221211836&name=Chase%20Sapphire%20Reserve%20PID&issuer=Chase” target=”_blank”>Chase Sapphire Reserve®</a> </strong> (see <a href=”/tc/221211836?pid=221211836&name=Chase%20Sapphire%20Reserve%20PID&data-testid=ratesFees” target=”_blank”>rates and fees</a>)Automatic IHG One Rewards Platinum Elite status (through Dec. 31, 2027; activation required)
<p>Cardholders can unlock IHG One Rewards Diamond Elite Status and Hyatt Explorist status (<a href=”https://thepointsguy.com/credit-cards/chase-hyatt-expand-benefits-sapphire-cardholders/”>from mid-2026; exact date unknown</a>) after spending at least $75,000 in a calendar year.</p>The information for the JetBlue Plus Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuers.Airline elite statusNo credit card currently available to new applicants provides elite status automatically with any of the major U.S. airlines (though some cards will give you status on foreign carriers). However, many allow cardholders to earn incremental credits toward status. They might just be the boost you need to jump into the elite ranks or reach a higher tier.Depending on how much you spend on your card, you may be able to earn status without ever setting foot on a plane. Below, we look at airline credit cards that fall into this camp.Alaska and Hawaiian AirlinesAtmos Rewards is Alaska and Hawaiian Airlines’ joint loyalty program with a family of three cobranded cards. The best pick for earning elite status is the Atmos Rewards Summit card.Atmos Rewards Summit CardAnnual fee: $395Welcome offer: Earn 80,000 Atmos Rewards points and a 25,000-point Global Companion Award after spending $4,000 on purchases in the first 90 days of account opening.THE POINTS GUYElite status: You can earn Atmos Rewards Silver status (equivalent to Oneworld Ruby status) by spending $20,000 on your card or earn Gold status (equivalent to Oneworld Sapphire) by spending $60,000.Analysis: The Atmos Rewards Summit is an excellent pick for frequent Alaska and Hawaiian flyers. It offers perks like a free checked bag, priority boarding, two Alaska lounge passes per calendar quarter and the ability to earn Global Companion Awards. Plus, you’ll earn an unrivaled 3 points per dollar spent on all foreign transactions.To learn more, read our full review of the Atmos Rewards Summit.Apply here: Atmos Rewards Summit Visa Infinite Credit CardAmerican AirlinesThe Citi / AAdvantage Executive World Elite Mastercard is our top pick for earning status with American Airlines, but it isn’t your only option.If you want to keep your annual fee costs lower and still earn Loyalty Points toward elite status, consider the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® or the Citi® / AAdvantage® Globe™ Mastercard® (see rates and fees). These cards have lower annual fees than the Citi AAdvantage Executive card, but considerably fewer benefits as well.The information for the Citi / AAdvantage Platinum Select and has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.Citi / AA Executive World Elite MastercardAnnual fee: $595Welcome offer: For a limited time, earn 100,000 bonus miles after spending $10,000 on purchases in the first three months from account opening.THE POINTS GUYElite status: For every mile you earn on a cobranded American Airlines credit card, such as this one, you’ll earn 1 elite-qualifying Loyalty Point. This means that you can essentially spend your way to status and to Elite Choice Rewards.Unfortunately, credit card welcome bonuses and category multipliers are not eligible for Loyalty Points. Cardholders earn a bonus of 10,000 Loyalty Points after reaching 50,000 Loyalty Points in a status qualification year. They will receive another bonus of 10,000 Loyalty Points after reaching 90,000 Loyalty Points in the same status qualification year.Analysis: Having this card is much like having elite status — without the first-class upgrades. You get free checked bags, priority access on the ground and lounge access. Plus, spending on the card will help you earn Loyalty Points toward earning actual American Airlines elite status.To learn more, read our full review of the Citi / AA Executive World Elite Mastercard.Apply here: Citi / AAdvantage Executive World Elite MastercardDelta Air LinesDelta offers a variety of cobranded American Express credit cards — four personal and three business — but choosing the best one for you can be difficult.If you want the most from a Delta card, you’re better off going for its most premium products: the Delta SkyMiles Reserve American Express Card or the Delta SkyMiles® Reserve Business American Express Card, which is geared toward business travelers.Delta SkyMiles Reserve American Express CardAnnual fee: $650 (see rates and fees)Welcome offer: Earn up to 125,000 bonus miles after meeting two spending thresholds:Earn 100,000 bonus miles after spending $6,000 on purchases in the first six months of card membershipEarn 25,000 bonus miles after spending an additional $3,000 on purchases in the first six months of card membershipTHE POINTS GUYElite status: Delta Reserve Amex cardmembers earn 1 MQD for every $10 spent, with no limit on how many MQDs can be earned through credit card spending. They also receive an MQD boost of 2,500 MQDs each calendar year.Analysis: The Delta Reserve is excellent for Delta flyers, as it offers access to the most valuable perks of elite status — such as space-available complimentary upgrades, lounge passes and priority boarding — right off the bat.To learn more, read our full review of the Delta SkyMiles Reserve American Express Card.Apply here: Delta SkyMiles Reserve American Express CardJetBlueJetBlue offers three personal and one business credit card through Barclays, all of which offer a pathway to status through spending.Although the more premium JetBlue Premier Card offers an elite status boost in the form of 5 “Tiles” as part of its welcome bonus, its $499 annual fee is hard to justify when you can spend $500 on JetBlue flights and earn the same amount of Tiles.The information for the JetBlue Premier Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.JetBlue Plus CardAnnual fee: $99Welcome offer: Earn 60,000 bonus points after spending $1,000 and paying the annual fee in full, both within the first 90 days of account opening.THE POINTS GUYElite status: You can qualify for the four tiers of JetBlue Mosaic elite status purely through credit card spending — from $50,000 for Level 1 to $250,000 for Level 4, both based on calendar-year spending.Analysis: While earning Mosaic status purely through spending with this card is nice, it’s an expensive option. Mosaic Level 1 status can be achieved by earning 50 Tiles, which requires $5,000 of spending with JetBlue, $50,000 of JetBlue credit card spending or a combination of the two.To learn more, read our full review of the JetBlue Plus Card.Southwest AirlinesSouthwest offers frequent flyers several options for credit cards. With three personal cards and two business cards, it can be hard to decide which card is right for you. However, if you’re after A-List status and a Southwest Companion Pass, then the Southwest Rapid Rewards Priority Credit Card is the card for you.Southwest Rapid Rewards Priority Credit CardAnnual fee: $229Welcome offer: Earn 50,000 bonus points after spending $1,000 on purchases in the first three months from account opening.THE POINTS GUYElite status: You can earn 2,500 TQPs for every $5,000 spent on purchases annually, and there’s no limit to how many TQPs you can earn. This can help you get to A-List status with Southwest. All points earned with this card, including the welcome bonus, count toward Companion Pass eligibility, too.Analysis: This card is great for Southwest flyers, as it gives you a shortcut to both A-List status and the Companion Pass.To learn more, read our full review of the Southwest Rapid Rewards Priority Credit Card.Apply here: Southwest Rapid Rewards Priority Credit CardUnited AirlinesIf you’re interested in United Club access and credit card purchases counting toward elite status, then the United Club Card is an excellent choice.United Club CardAnnual fee: $695Welcome offer: Earn 90,000 bonus miles after spending $5,000 on purchases in the first three months from account opening.THE POINTS GUYElite status: Cardholders can earn up to 28,000 PQPs per calendar year by earning 1 PQP for every $15 spent on the card.Analysis: This card offers many perks, including Premier Access travel services and United Club access at the airport. That said, you can also use it to shortcut your way to elite status through spending.To learn more, read our full review of the United Club Card.Apply here: United Club CardHotel elite statusHotel chains are much more generous than airlines when it comes to awarding elite status. You can get automatic elite status with Marriott, Hilton, Hyatt and IHG without staying at any of their properties or spending on your cobranded credit card.Hilton HonorsThe Hilton Aspire is a great choice for Hilton Honors elite status. However, if you don’t want a hefty annual fee, the Hilton Honors American Express Surpass® Card provides a pathway to elite status for a lower $150 annual fee (see rates and fees).Hilton Honors Aspire Card from American ExpressAnnual fee: $550 (see rates and fees)Welcome offer: Earn 150,000 bonus points after spending $6,000 on purchases in the first six months of card membership.THE POINTS GUYElite status: Enjoy automatic Hilton Honors Diamond status.Analysis: This card is a must-have for Hilton fans. Diamond status provides perks like guaranteed lounge access (at properties that have them), room upgrades (when available), free breakfast or food-and-beverage credits and more.To learn more, read our full review of the Hilton Aspire Amex.Apply here: Hilton Honors American Express Aspire CardIHG One RewardsThe IHG One Rewards Premier Credit Card is a good travel card for IHG enthusiasts.IHG One Rewards Premier Credit CardAnnual fee: $99Welcome offer: Earn 175,000 bonus points after spending $5,000 on purchases in the first three months from account opening.THE POINTS GUYElite status: Enjoy automatic IHG One Rewards Platinum Elite and move up to Diamond status through the end of the next calendar year after spending $40,000 on the card within a calendar year.Analysis: As long as you spend more than a few nights a year at IHG properties, Platinum Elite status alone can be worth the card’s $99 annual fee. Standout perks include 60% bonus points on paid stays, discounts on reward redemption rates, room upgrades and late checkout when available and a welcome amenity.To learn more, read our full review of the IHG Premier card.Apply here: IHG One Rewards Premier Credit CardMarriott BonvoyCobranded Marriott Bonvoy cards stand out because both American Express and Chase have their own card lineup. But if you want the most from your Marriott portfolio hotel stays, go with the Marriott Bonvoy Brilliant American Express Card, as it offers the highest level of elite status for a cardmember.Marriott Bonvoy Brilliant American ExpressAnnual fee: $650 (see rates and fees)Welcome offer: Earn 100,000 bonus points after spending $6,000 on purchases within the first six months of card membership.THE POINTS GUYElite status: Enjoy complimentary Platinum Elite status, which provides benefits like upgrades at check-in (including suites, when available), late checkout and a welcome amenity for each stay. Each calendar year, you also receive credits for 25 nights to help you reach the next level of Marriott Bonvoy elite status.Pro tip: Holding the Marriott Bonvoy Business® American Express® Card and Bonvoy Brilliant will net you 40 elite night credits, meaning you would only need to stay 35 more nights per year to earn Titanium elite status.To learn more, read our full review of the Marriott Bonvoy Brilliant American Express card.Apply here: Marriott Bonvoy Brilliant American Express CardWorld of HyattThe World of Hyatt is a favorite among TPG staffers and points and miles enthusiasts alike. The program’s stellar redemption rates and growing portfolio have given Hyatt an edge in the marketplace.World of Hyatt Credit CardAnnual fee: $95Welcome offer: Earn up to five free nights: three free nights after spending $5,000 on purchases in the first three months of account opening. Plus, two free nights after spending $15,000 on purchases in the first six months. Free nights can be redeemed at any Category 1-4 Hyatt hotel or resort worldwide.THE POINTS GUYElite status: Automatic Hyatt Discoverist status, although you also receive five qualifying night credits toward the next level of elite status each year and the opportunity to earn two additional night credits for every $5,000 spent on the card each calendar year.Similarly, the World of Hyatt Business Credit Card (see rates and fees) also provides automatic World of Hyatt Discoverist status, plus the ability to gift this status to up to five employees. Cardholders also earn five tier-qualifying nights for each $10,000 spent on the card each calendar year, helping you earn higher levels of status and Milestone Rewards.Analysis: Discoverist status is among the most valuable lowest-tier hotel elite status levels. It comes with a 10% points bonus when staying at Hyatt properties, space-available upgrades to preferred rooms within the same category, daily bottled water, complimentary premium internet, late checkout when available and access to the elite reservation line. Higher levels of status are also within reach if you’re willing to put some spending on the card.To learn more, read our full review of the World of Hyatt card.Apply here: World of Hyatt Credit CardAmerican ExpressThis is a solid choice for hotel elite status because, as a premium travel credit card, the American Express Platinum Card offers automatic elite status to three hotel brands.American Express Platinum CardAnnual fee: $895 (see rates and fees)Welcome offer: Find out your offer and see if you are eligible for as high as 175,000 bonus points after spending $8,000 on purchases within the first six months of card membership. Welcome offers vary and you may not be eligible for an offer.THE POINTS GUYElite status: Cardmembers can register for automatic Hilton Honors Gold status, Marriott Bonvoy Gold Elite status and Leaders Club Sterling Status from The Leading Hotels of the World (enrollment required).Analysis: This is easily the best card for hotel stays across several top hotel brands. You can register for elite status with both Hilton and Marriott, as well as Sterling status from The Leading Hotels of the World, but also enjoy highly valuable benefits on Amex Fine Hotels + Resorts stays. Every FHR stay includes perks such as complimentary room upgrades when available, free breakfast, check-in at noon when available, 4 p.m. checkout, and a $100 credit for eligible charges that vary by property.To learn more, read our full review of the Amex Platinum.Apply here: American Express Platinum CardChaseLike the Amex Platinum, the Chase Sapphire Reserve provides hotel elite status to cardholders. If you’re willing to put at least $75,000 of spending on your card in a calendar year, you’ll receive even more status benefits.Annual fee: $795Welcome offer: Earn 125,000 bonus points after spending $6,000 on purchases in the first three months from account opening.THE POINTS GUYElite status: Cardholders receive automatic IHG One Rewards Platinum Elite status (through Dec. 31, 2027). They can unlock IHG One Rewards Diamond Elite Status and Hyatt Explorist status (from mid-2026; exact date unknown) after spending at least $75,000 in a calendar year.Analysis: Automatic IHG Platinum status is solid, but you can get that same benefit with the cobranded IHG One Rewards Premier Credit Card for a significantly lower annual fee.If you’re spending $75,000 or more on your card in a calendar year, IHG One Rewards Diamond Elite Status and Hyatt Explorist status (from mid-2026; exact date unknown) could be decent value add-ons. Still, for the Sapphire Reserve’s high annual fee, it’s worth taking inventory of your setup to see if that’s worth it.To learn more, read our full review of the Sapphire Reserve.Apply here: Chase Sapphire ReserveBottom lineMany airline or hotel-cobranded cards that offer status boosts typically aren’t the best for everyday spending when you consider the points they earn and the rates at which you earn them.Aside from that, spending simply to get to elite status might not be entirely logical for folks who don’t travel that much, since they won’t utilize the status benefits enough to make it worthwhile.However, if you do spend a decent amount of time on the road and need help reaching elite status faster, the credit cards discussed in this guide can be extremely useful.Related: Best travel credit cardsFor rates and fees of the Delta Reserve Amex, click here.For rates and fees of the Hilton Honors Surpass Amex, click hereFor rates and fees of the Hilton Honors Aspire Card, click here.For rates and fees of the Marriott Bonvoy Brilliant Amex, click here.For rates and fees of the Amex Platinum, click here.Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
